23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX was removed from my house by Police and XXXX for unrelated circumstances. He stole all of my credit cards that night, and used them for his own purposes. As soon as I realized he had stole and utilized the cards I contacted my creditors to inform them that these were not authorized charges, to report them as fraudulent, and issue me new card numbers. I contacted the Detective and informed her of this matter as well. She did end up retrieving all of the stolen cards and returning them to me. XXXX XXXX signed a notarized order on XX/XX/XXXX stating that he would be returning these funds. XXXX XXXX was not an authorized user on XXXX XXXX per conversation with XXXX on XX/XX/XXXX at XXXX ; on which he used card for {$5000.00} on XX/XX/XXXX. He was not an authorized user on XXXX XXXX per XXXX XXXX on XX/XX/XXXX at XXXX ; whereas he utilized card for a total of {$27000.00} on XX/XX/XXXX and XX/XX/XXXX. He was listed as an authorized employee under XXXX XXXX  XXXX XXXX as of XX/XX/XXXX ; however used the card for non-business use on XX/XX/XXXX in the amount of {$5000.00}. XXXX XXXX was not an authorized user on XXXX XXXX card per conversation with XXXX XXXX on XX/XX/XXXX at XXXX ; whereas he fraudulently spent {$9600.00} on XX/XX/XXXX and XX/XX/XXXX. The dates and times provided are the most recent conversations I have had with Crediors as well as the law firms that these accounts are now handled by. I have had countless conversations with Creditors over the past couple of years regarding these fraudulent transactions since I first realized he stole them. I would also like to add that I did not receive not 1 text message or phone call from any of the Creditors asking if I approve these transactions prior to their approving them without my permission. I do find this alarming and unfair because the dollar amounts they allowed to charge to my accounts were {$4000.00}, {$5000.00}, {$7000.00}, and {$20000.00} transactions!! If they were to had asked my permission prior to them okaying these amounts, I would have said I DO NOT APPROVE! As my Creditors they should have asked my permission in the validity of these being authentic considering I had never posted any type of transactions to my accounts anywhere near those dollar amounts, and at the time of these thefts, all of my credit card accounts were at very low balances and/or paid off! XXXX XXXX had a {$0.00} Balance as of XX/XX/XXXX, XXXX XXXX had a balance of {$0.00} as of XX/XX/XXXX, XXXX XXXX XXXX had a balance of {$2600.00} as of XX/XX/XXXX, and XXXX XXXX had a credit balance of {$660.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make these charges. 
I ask that the items be deleted to correct my credit report. I am currently in the process of buying a house for my family and this is stopping the process for me. 
This has made my whole life challenging having my identity stolen. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hallo, My name is XXXX XXXX and my credit score was greatly impacted cause of late payment. 

I want to state that I have always had a good credit and have never defaulted any payment, on as of XX/XX/XXXX my mortgage was transferred from Mortgage Solutions to XXXX XXXX but the only notification I received was on mail but unfortunately I was out of country until XX/XX/XXXX. 
I have proof of communication with my past mortgage company inquiring what was really going on cause theres auto pay amount taken from my bank. 

Thanks!
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I mailed out via XXXX certified mail an Identity Theft report dispute package FTC.gov instructs victims like me to use as a safeguard to make sure items are properly verified. The packages were XXXX certified to Experian, XXXX and XXXX regarding an alleged XXXX XXXX XXXXXXXX account showing on my credit report. 
They received the first dispute packages on or about XX/XX/XXXX. I never received any correspondence or documentation. 
I waited patiently for 6 months. I then filed a direct dispute to XXXX XXXX XXXX and enclosed " What Information Furnishers Need to Know '' This 8 page document was prepared by the Federal Trade Commission and explains what Data Furnishers need to send consumers like myself to resolve this Identity Theft issue as it relates to the alledged XXXXXXXX XXXX  XXXX Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Account # : XXXX These accounts have been determined that they do not belong to me yet you still continue to report this inaccurate information to my consumer report.These accounts do not belong to me. The name these accounts are addressed to is not my name. This fact alone is enough for above mentioned accounts to be deleted, but they are more inaccuracies found. I called XXXX rep, and asked for fraud department. After being transferred, I was told I have to send in a picture ID and bill even though rep located both mentioned items in their agency 's database. I was told I have to resend my ID and bill no matter what. XXXX has been put on notice that my report contains inaccuracies multiple times in writing by me, a consumer. On XX/XX/2022 I sent a notice via USPS certified mail demanding deletions of above mentioned accounts. Enclosed is a copy of my California state issued ID, and a copy of a bill statement to establish my accurate residency. Also enclosed is my consumer reports where I point out that the fact that XXXX is furnishing inaccurate information from debtor name CHILD SUPPORT ENFORCEM to my consumer report under Account # : XXXX. While the debtors name XXXX XXXX is furnishing to my consumer report is under XXXX XXXX ( Account # : XXXX ). XXXX recently deleted the account named under XXXX XXXX XXXX., Account # : XXXX. 
XXXX XXXX refuses to update my personal information even after providing them my California state issued ID and a bill statement containing my up to date address. 

XXXX is unlawfully furnishing Account # : XXXX DEPT OF ED/NELNET, and is the only CRA reporting this inaccurate informationXXXX and XXXX has XXXX DEPT OF ED/NELNET item from my consumer report. XXXX has been made aware many times in writing by me, a consumer, about the FCRA laws they are violating and the agency chooses to ignore the law. See attachments. 
These accounts are not assigned to my name making my consumer report inaccurate. If by some chance this alleged debt belongs to me, which I highly doubt it!!, NELNET has never produced items pursuant to 15 USC 1692g ( b ), which I requested multiple times. 

I am making complaints with the CFPB, FTC, XXXX, CA and PA state attorneys general and my consumer lawyer has been cc 'd in the most recent notice sent to your agency.
Product: Credit reporting or other personal consumer reports

Here is my two 1099 C copy B from XXXX XXXX at XXXX XXXX. This should show that not only did the IRS accept my tender of payment, but XXXX XXXX at XXXX XXXX sent me two copies. Please take this student loan debt off of my credit report as soon as possible. My debt has been paid.
Product: Debt collection

his company Radius Global has violated multiple FDCPA and FCRA statues in their attempts to collect a debt that is not owed by me. They have illegally reported a false debt to the consumer reporting agencies without first trying to get ahold of me the consumer as they proceeded to park a un-verified debt automatically to my consumer credit reports using my personal non- public financial information which is against the law. I submitted to Radius Global a Refusal to Pay / Cease and Desist letter which is attached to this complaint and they still are doing collection attempts and communicating to third parties about a allege debt in my name. Radius Global will be name as litigants in my upcoming FDCPA / FCRA lawsuit.
Product: Credit reporting or other personal consumer reports

XXXX- retail XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX was closed and reported as paid in full however its reporting as late payment to XXXX, XXXX and XXXX, which is affecting my score. I would like to bring to your attention that reporting late payments on closed or satisfied accounts violates the Fair Credit Reporting Act ( FCRA ) and the Credit Reporting Agency 's own guidelines. 

According to the FCRA, credit reporting agencies are prohibited from reporting inaccurate or incomplete information ( 15 U.S.C. 1681e ( b ) ). Additionally, the Consumer Financial Protection Bureau 's ( CFPB ) guidelines state that credit reporting agencies should not report late payments on accounts that have been paid or closed ( CFPB XXXX XXXX ) .Moreover, the XXXX XXXX reporting guidelines, which are widely adopted by credit reporting agencies, specify that accounts should be reported as " paid '' or " closed '' once they have been satisfied, and that late payments should not be reported after the account has been paid or closed. Please investigate this matter and correct the error as soon as possible. I would appreciate it if you could also provide me with a corrected copy of my credit report.
Product: Credit card

Always closed even during their business hrs theyre chat wont even pop up which is the main way they try to force you to contact them I called about these transactions even got a new card and they told me they would reach out to me for more info but instead they just reversed the credit they gave me and now of course theyre closed and Ik from experience you got ta go higher then typical customer service to get anything done for reals and I want this to be fixed already
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I retrieved a copy of my credit report and noticed that Medical Data Systems had  reported negative information on all 3 of my bureau reports. I have never did any business nor signed a contract with this company. This company did not and to date has not sent me any type of correspondence, including a dunning letter to inform me that they were attempting to collect a debt. Hence, they negligently placed this account entry on my reports and I was not allowed to dispute the validity of this debt with them prior to its insertion on my reports. This is a blatant violation of my consumer rights. 

To that end, I sent Medical Data Systems a dispute letter that was certified with a return receipt. My receipt confirms that they received the letter on XX/XX/XXXX and it was signed by XXXX XXXX. The tracking for this letter is XXXX. To date, this company has not responded to my request for them to validate the account. I specifically requested the following information from them : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Further, I would like to have a copy of the financial responsibility page that bears my signature with the provider of service to release my medical information. These entries reflected on all 3 bureaus are inaccurate, unverifiable and erroneous. Given the fact that this company opted to not respond in writing nor provide any documentation to support/substantiate what they were reporting, mandates that these entries be DELETED IMMEDIATELY FROM MY CREDIT REPORTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are reported accounts ( original creditor was allegedly ) by the Creditor receivables performance management ( XXXX from here on ) on each of the three major credit bureaus that have not been validated with my correct address, name, or personal information. They are reported with the same owed amount, but have several Non matching dates of being opened. i.e 2 accounts for {$880.00} one opened in XX/XX/XXXX and the other in XX/XX/XXXX. ( One I  've never had, and the other is an amount I 've never owed at all. ) One of said accounts is reported as being opened inXX/XX/XXXX. I have never owned any account, or opened an account with XXXX within the last several years. When attempting to contact them, they say submitting a claim will NOT result in a formal investigation, but will be handed to a creditor who will attempt to find a resolution. I believe they are attempting to buy debts and assign them to whomever they please without due diligence. I have contacted the credit bureaus via certified mail to formally complain and dispute all accounts. They should n't be allowed to do this to people, especially people unaware.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was XX/XX/2022. Upon Reviewing a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. Delete the Following items as they resulted from the Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$250.00} ; and XXXX  XXXX Balance Owed : {$350.00}.
Product: Debt collection

I know for a fact that this loan has been paid in full, because the payments were coming directly out of my paycheck from my employer. I did not send a direct payment into them, it actually was the  XXXX  loan I had with the company. When the money stopped coming from my paycheck, I automatically thought it was paid in full
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this item. Actually I am not sure that the item is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

Bankruptcy chapter XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here are the lists of inquiries that are still reporting on my Credit Reports : XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Request : Cease and desist all communication XX/XX/2022 Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, Virginia XXXX Portfolio Recovery Associates, Portfolio recovery you are sending me documents that state this communication is from a debt collector but is not an attempt to collect a debt. I have received four letters as of XX/XX/2022. I have requested a cease and desist in the past. Once again I am asking you Portfolio Recovery to cease and desist all communication with me. I WILL NOT PAY THIS ALLEGED DEBT. DO NOT SEND ME ANY MORE LETTERS! 

The Fair Debt Collections Practice Act states congressional LAW.

15 U.S. Code 1692c - Communication in connection with debt collection.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
I have attached the letters that I have received this month. If I receive any more letters I will notify the CFPB. 

This is harassment! 

15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.
Product: Debt collection

I am a victim of identity theft. As a result of the identity theft various accounts and even a lease was signed in my name without my knowledge or approval. I did not apply for or sign the lease in question or the application in question and have now attached the OFFICIAL copy of the police report for this issue. Additionally, I request no communication about this issue from debt collectors over the phone. Any communication from the debt collector to me should be in writing only and never over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I paid off my Bank of America credit card nd they promised wen I was making last payment tht they will send me a paper nd also to credit agency nd have it remove off my credit so it wnt affect it its still there I tried reaching them many times they didn't respond nd credit wnt fix it they said Bank of America says it's current I paid off XXXX card nd same thing was told to me I made full payment of wat i owe as I lost my job due to covid nd had injury nd health issue but as soon I got money I paid off they promised to remove the bad credit late payment off my credit nd same they didnt rhey didnt remove it it's still showing nd affecting my credit I opened a account with chime credit card nd I couldn't even make it wrk it didn't let me do nothing I never got the credit card I told them nd they said they will fix it nd send me another card i requested for account to be close becauz I couldn't use it nd it was just affecting my credit nd they closed my account nd than suddenly closed my checking  account too nd now they lying nd saying I didn't comply which is a lie as i requested I'm also seeing if says I got a credit loan for sumthing which i didnt idk wats going on I feel like scam is going on please help me All XXXX of these companies lied to me to make me pay it off all nd than did this nd hurted my credit I can't get another credit card or house or car
Product: Credit reporting or other personal consumer reports

I cam across the CFPB Experian Lawsuit. I feel I was negatively impacted, hurting my changes at credit after receiving a response to my earlier disputes that the accounts were verified. 

I've received cancellation of debt papers that shows how everything was forgiven, but still be reported that I owe money that has already been forgiven and want to remove any error from my credit which will allow me to continue building my credit in the best way possible. 

If there is any other errors on my report, I am asking that it be removed.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violates the customer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I've had multiple problems and there was no one that I could talk to.. everything was done by sending emails and waiting for a response and you never know how long it was going to take before you got an email back from them..