23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an Eviction showing that first appeared on my credit file between XXXX, for amount of {$4700.00}, it has changed from one reporting Bureau to another. The company is XXXX XXXX. I disputed this item and address of XXXX XXXX XXXX XXXX that appears as well. We noticed that a real investigation never took place, but repeatedly placed back onto my report. The amount is different on different Bureau, the date continues to be updated to appear it's new, when we hired Credit repair company to help, dates went from XXXX to XXXX, now XXXX. I submitted a document from XXXX that shows the original debtor, XXXX XXXX, paid debt off. The other Bureaus continue to replace it into my credit stating I should pay said amount of {$4700.00} which is an attempt to gain another payment for same debt that was reported and paid by XXXX XXXX. I informed them that this will be filed with IRS, to make them aware of additional attempt to gain Payment from me for a debt that I disputed several times, that the original debtor paid. I never gave any supporting information that this belongs to me, or that any of my own personal information be shared or sold. It is clear that something wrong is happening with my credit, there are several spellings that are incorrect, several addresses over twenty that I've been made aware of recently, along with numbers that are not mine.
Product: Debt collection

I am writing to express my strong objection to these continued and unlawful debt collection practices and violation of my rights. Despite never having a contractual agreement with this company, they have been attempting to collect a debt from me. I am submitting this complaint against them for the following violations : 1. Lack of Contractual Authority ( FDCPA 807 ) : XXXX XXXX XXXX XXXX was never contracted by me to collect any debt. 2. Failure to Validate Debt ( FDCPA 809 ) : Capitol Once AND XXXX XXXX XXXX XXXX has failed to provide validation of the debt, including the original contract, who funded the account, and my obligation. 3. Harassment and Invasion of Privacy ( FDCPA 806 ) : Your collection efforts are harassing and constitute an invasion of my privacy. 4. Unfair and Deceptive Practices ( FDCPA 804 ) : Capitol Once AND XXXX XXXX XXXX XXXX have engaged in unfair and deceptive practices, including misrepresenting the debt and their authority to collect. 5. Negligent Reporting ( FCRA 623 ) : Capitol Once has negligently reported false information to credit bureaus, damaging my credit score. Additional Allegations : 1. Organized Crime : All " lending '' agencies, debt collectors, and credit reporting agencies have engaged in organized crime, including : Extortion, Fraud, Conspiracy, Racketeering ( RICO ).
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX pulled an authorized hard inquiry with my credit report. They claimed that there was nothing that could be done about it. They told me that it was out of their control.
Product: Debt collection

I received multiple phone calls from company regarding documentation sent to their office with a case number & that they were to deliver documents to my home for legal action about a debt that is owed. ( They called and left voicemails on XXXX XXXX, XXXX XXXX, & XXXX XXXX XXXX. They also called my mother 's cell phone multiple times harassing her & trying to reach out to me. After I returned the call, I left a voicemail and someone named XXXX XXXX of XXXX XXXX XXXX returned my call. He stated that a loan was taken out in my name with Castle Payday Loans on XXXX XXXX, XXXX for {$1000.00}. He asked me to authorize my social security number and that they will pursue legal action if I refuse. He said I will be served papers at my place of residence between 3-5 pm today ( XXXX XXXX ). I have NEVER taken out a loan with Castle Payday, nor have I ever heard of or pursued a loan from this company.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$3700.00} XXXX account closed i contacted XXXX- closed paid in full still showing in my credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX no action taken i contacted XXXX XXXX- {$2000.00} Date : XX/XX/XXXX No action taken i contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i contacted XXXX No action taken XXXX XXXX XXXX XXXX XXXX No action taken i contacted XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX no action taken i contacted
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Docs detailing violations of consumer rights and non XXXX XXXX compliant reporting. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''.

As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money ..... '' I am asking these debt collectors to provide an original contract with my signature, offer and acceptance. Copies will not suffice. 

I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. 

This company is also in violation of 15 USC 1692e by making false and misleading representations ... .I also demand these compaines to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation/case study and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. 

This account was never verified so leads me to believe that the CRA is just supplying egregious erroneous line items on my consumer report to willingly damage my character and reputation! Delete THIS!!!! 

I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines. Ive studied constitutional consumer protection laws extensively along with civil/federal court procedures such as that of Dixon-Rollins v. XXXX XXXX XXXX Ive taken the liberty of attaching a copy of my most recent consumer report detailing the multiple inaccurcies and downright defamation of character being falsely report on my consumer report. Look at the inaccurate line items i.e. last verified, Date of last activity, date reported, closed date etc etc. Im dissapointed in the lack of oversight by your agency in the investigation of this matter before slapping it on my consumer report!! REMOVE THESE NOW! 

XXXXXXXX XXXX Acct # : XXXX XXXX  Acct # : XXXX
Product: Debt collection

This complaint is in reference to the Auto-Trakk entry Account Number : XXXX reflected on my XXXX  and XXXX XXXX credit report. I have contacted Auto-Trakk several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or an itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the absence of any such documentation I formally request that this information be immediately deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be removed accordingly. 

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
Product: Credit card

Its regarding Apple credit card : An unauthorized transactions happened back on XX/XX/year>2023. I received email and text notification about many transactions which I did not do some of them were declined other went through I called Apple Card support and told them that those transactions are unauthorized, and not made by me they changed the card information for security and told me that they will take care of me because those are not authorized transactions and I am protected against those unauthorized transactions. But until now they want me to pay those amounts. Every time I submit a dispute it came back against my favor. They say lack of evidence despite I submitted a police report and emails from me to XXXX asking them to cancel every thing as all the transactions are unauthorized. 
What other evidence should I provide? I called Apple Card support the same day the same moment and told them this is not me and please cancel everything!!!! This call should be the evidence! Changing the card information number and password on the day of compromise is evidence, police report is evidence!!!!! 
I am fighting for this issue since XX/XX/scrub>/2023 please help!!!! I am not going to pay something I did do! Apple Card supposed to protect me against those situations : : : Amounts : {$290.00} {$260.00} {$250.00} {$98.00} There were Other transactions but declined on same day, those transections remain on my account!!!
Product: Money transfer, virtual currency, or money service

Certainly, here are additional lines addressing the inconsistencies and lack of communication from Remitly : Moreover, I am appalled by the glaring inconsistencies in Remitly 's responses to my inquiries. Initially, one agent affirmed that the account number provided was accurate, only for another agent to contradict this statement by claiming that the last four digits did not match. Now, I am being informed that the entire account number I entered is incorrect. This raises several alarming questions. Firstly, why was I not promptly informed of this discrepancy on the very first day? Secondly, why is there a constant shift in Remitly 's stance on the matter? Thirdly, if indeed the account number was incorrect and did not match the associated name and phone number I provided, why was the transaction not halted at that crucial juncture? What is the purpose of collecting personal information such as name and phone number if Remitly 's protocols fail to prevent such errors and discrepancies? It is evident that Remitly 's processes are deeply flawed, and their actionsor lack thereofhave only compounded the issue, exacerbating my frustration and distress.
Product: Money transfer, virtual currency, or money service

I got my cashapp hacked and tried calling and explaining the situation and got no response and was told there was nothing they could do about my situation while it was happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX has violated my rights. 

Contact info : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint in XXXX regarding incorrect information being report to credit bureaus by AES. Here is my original complaint : y credit report shows 7 late payments for my student loans with the Loan Servicer AES. 6 of the late payments from XXXX were incorrectly reported as these late payment dates were during times when my account was in forbearance. Therefore, none of these late payments should have been reported to the 3 credit bureaus. I contacted AES on XX/XX/XXXX and the call lasted from XXXX - XXXX ET. A representative provided me with my forbearance time periods. After review of the dates, I realized they were during the same times as the late payments that have been reported. 

Here is part of AES response to the CFPB complaint : Based on this review, corrected information was sent to the consumer reporting agencies to which the information was previously reported for loans one and two for the months of XX/XX/XXXX and XX/XX/XXXX. 

I spoke with a rep from PHEAA Office of Consumer advocacy  on XX/XX/XXXX and he stated request was sent to credit bureaus on XX/XX/XXXX to have the 6 late payments from XXXX removed. Credit bureaus have stated no request was ever sent by AES or PHEAA. 

I need this 6 incorrect late payments removed as they are hindering from moving forward with the home buying process.
Product: Checking or savings account

Navy Federal closed checking and savings account saying they did not like some deposits. However, will not release funds back to me. They are holding onto over {$4000.00}. They note that I must go into a branch 26 miles away to collect my funds. I do not have the means to travel 26 miles each, nor spend the 3 hours round trip it would take to do it. I am happy to provide any ID verification requested online and would like my funds transferred to me via ACH or to the address on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently happened in XX/XX/XXXX or XXXX of 2017. No actions taken on company as of yet. Just found out. 

My SSN, DOB, full address and driver 's license have been stolen.
Product: Credit reporting or other personal consumer reports

I called equifax a month ago and made sure I was speaking respectively with a low tone. I expressed my concerns of unauthorized inquiries & errors that where fraudulent on my credit report and asked if they could be removed and was told they couldn't do it so I let him know about the Fair Debt Collection Practices Act Law 111-203, X 124 state 1092 ( XXXX  ) Fair credit reporting Act ( FCRA ) 15 u.s.c. 1681 ( FCRA ) and asked to speak to the supervisor and repeated it after he told me he couldn't do nothing then he told me I don't care what law u say it's not going to make me do anything, I said this is the fraud department right, then I said your committing fraud and asked his name and hung up. I lost the paper I wrote his name on. I sent the second letters to all three bureaus recently and I don't see any changes at all. Please help me
Product: Mortgage

( 1 ). In response to Carrington responding that they can not respond because an individual is on the complaint, which is another delay tactic several individuals have been on calls to the company and communicated regarding the mortgage payments increase and this is their continued attempt to delay responding. So, there is no more delay only the mortgage holder is on the complaint! I have uploaded an authorization for my daughter XXXX XXXX who has always assisted with any communication. 
( 2 ). I am requesting a complete audit showing how a 4 % fixed mortgage with a senior citizen exemption comes up to {$1700.00} monthly ( current balance is {$150000.00} ) ( 3 ). I am asking that the Mortgage company justify an increase of the mortgage from {$1300.00} to {$1700.00} monthly the property taxes and HO Insurance did not increase by nearly 30 % ( 4 ). It is the contention that Carrington Mortgage is unjustly increasing customers mortgage payments to cover their shortages which is a result of their negligence and current lawsuit enforcement of which they are required to pay not their customers. The unjust increase in mortgage payments is unethical and illegal. 


Continued Complaint Carrington Mortgage is not making any attempt to assist their customers.

1. XXXX XXXX XXXX  no assistance all they did was forward complaint 2. TAX service no assistance all they did was talk in circles and provide conflicting information 3. Online/phone portal has multiple glitches and does not allow adjusted payments or enter in any response XXXX. When you do get a live person, they are not willing to assist you, they want you to pay your balance if not start threating foreclosure.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I attempted to withdraw my money from Crypto.com and was not permitted. The same day I sent an email to their customer support asking for my money to be withdrawn. Crypto.com replied on XX/XX/2022 that I was under the minimum requirement of {$100.00} to withdraw my money and would not be able to withdraw it until it was above the {$100.00} minimum. Their suggestion was to deposit more money until I had {$100.00} in my account and then I could make a withdraw. 

I replied via email on XX/XX/2022 that I was looking for a solution that did not require putting more money into Crypto.com. They replied that it was the only solution available to me. 

The same day ( XX/XX/2022 ) I asked for the issue to be escalated. Their response on XX/XX/2022 was to advise me to either purchase crypto and then make a withdraw or deposit more money so I can be above the {$100.00} minimum for withdraw. 

Their minimum for depositing money is far less than their {$100.00} withdraw minimum, and I am simply interested in receiving my own money without having to jump through hoops.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 Certified Letter : SENT AND CONFIRM ( 1 ) XXXX ( 2 ) XXXX ( 3 ) XXXX 3 letters was sent each to different credit bureaus XXXX, XXXX XXXX TRANSUNION and before send multiple disputesI just received my investigation results. Being waiting for and I saw some accounts were verified. However, how is that possible if the open dates is inaccurate, the date last active is inaccurate and date last report is inaccurate this investigation was executed an very inaccurate way I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed you violated these laws as well : This ground for removal ALSO I HAVE ONLY TWO ADDRESS AND ONLY ONE NAME : XXXX XXXX XXXX ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) ( Delete this account immediately, unless you want to pay {$1000.00} per violation ) I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

the law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

i haven't given these accounts written permission to furnish these accounts on my credit report. 

1. Account XXXX : XXXX Account XXXX : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 2. Account XXXX : XXXX Account XXXX : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Account XXXX : XXXX Account XXXX : XXXX 4. Account XXXX : XXXX Account XXXX : XXXX 5. Account XXXX : XXXX Account XXXX : XXXX 6. Account XXXX : XXXX XXXX Account XXXX 7. Account XXXX : XXXX XXXX Account XXXX : XXXX 8. Account Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX Account Number : XXXX 10.Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 11.Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account XXXX 12. Account XXXX : XXXX XXXX XXXX Account XXXX