23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX i received a copy of my credit report where Frontline Asset Strategies , LLC has reported a collection item from XXXX of {$810.00}. This is false and fraud as I have had a XXXX account since XXXX which is currently active. I was never contacted about said debt and it was just placed on my report. I have contacted the FTC and filed a fraud report. They are causing damages to my credit with their false accusations. There are no proof of claims or validation nor so it needs to be removed from my credit report immediately according to the FCRA. They have violated Fair debt collection practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$9600.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ XXXX, Colorado XXXX ] ( Write to each relevant credit reporting agency, one at a time : ) XXXX XXXX XXXX XXXX XXXX, GA XXXX -or- Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX [ RE XXXX Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. [ This/These ] item ( s ) [ identify item ( s ) disputed by name of the source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ] [ is/are ] [ inaccurate or incomplete ] because [ describe what is inaccurate or incomplete about each item, and why ]. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. [ If applicable : Enclosed are copies of [ describe any enclosed documentation, such as payment records, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible. Sincerely, [ XXXX XXXX  ] Enclosures : [ List what you are enclosing ] Proof of identity : [ a copy of my drivers license/other government-issued identification card/other
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been repeatedly disputing this account with XXXX and Equifax, and I do not believe they have conducted a proper investigation into this account. I have also disputed this account directly with the collection company as well. It is my understanding that the FCRA states that an account that is in dispute can not be reported. It is also my understanding that the credit bureaus have 35 days to conduct a reasonable investigation, and I have waited that time period out several times, without anymore than a verification of the account. They have never told me how they verified it, why they did, or any of the information that they collected during their investigations. I am entitled to information. I am entitled to a reasonable investigation. I am entitled to these things within a timely manner! Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Transunion on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Transunion continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Transunion is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Product: Mortgage

Select Portfolio Servicing has reported XXXX or more of my accounts as late or delnquent on my personal credit. These loans are business purpose loans and the borrower for each is an entity not myself personally.
Product: Credit reporting or other personal consumer reports

My credit score keeps decreasing and when I disputed certain items it came back unfounded. 
My interests rates are high and should not be legal
Product: Prepaid card

I received a gift card administered by XXXX XXXX XXXX The card expired before I used the entire balance, so I contacted the company to get a replacement card. They instructed me to fax them copies of my driver 's license and the gift card along with my phone number. I did this multiple times over several weeks and was told each time there was a technical issue with my fax. When I called to address the issue after the faxes no longer worked, I was told to use their website for a replacement card. The website replacement form doesn't work on any browser. After this, I finally called three times in a row on one day, and was hung up on each time until I spoke assertively about speaking to a manager. It's been 4 months since I began the process of trying to get a replacement gift card. 

Their phone number is XXXX and their website is XXXX XXXX XXXX. I will continue trying to attach a copy of my faxes here.
Product: Credit card

On XX/XX/year> I received an email from Synchrony Bank about a lost or stolen credit card. It was addressed to someone named XXXX XXXX. I have no knowledge of this person. The only information I have about this person is her name and that the card was a Belk Rewards Card with an account ending in XXXX. I have no idea if our emails are similar or if this is an attempt at fraud. I have contacted Synchrony Bank twice, once with the help of the manager of the local XXXX store. I am still receiving her emails. This tells me that Synchrony has made no attempt to correct this problem. This problem must be addressed to my satisfaction. I do not have an account with Synchrony Bank and never have had one.
Product: Debt collection

This message is to inform the public of I C Systems collection agency in XXXX XXXX, Minnesota. This company continues to report a paid debt to the credit bureau. The debt was paid in 2017. The debt was addressed with the company in XX/XX/2017 via email correspondence. A receipt of payment has been submitted multiple times over the past 3 years about this debt. Im interested in pursuing legal action again this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous disputer letters to XXXX, TransUnion, and XXXX to remove all inaccurate information like wrong name, wrong address, inquiries, accounts and public records. 
My name : XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX. XXXX, TX XXXX My DOB : XX/XX/XXXX Last 4:XXXX XX/XX/XXXX XXXX US BANKRUPTCY COURT-FORT WORTH XX/XX/XXXX XXXX US BANKRUPTCY COURT-FORT WORTH
Product: Debt collection

I am in the process of refinancing my house and during the title search 5 liens have appeared on the property in the process of investigating I have found 2 that are not in my name 1 I have identified but 2 I can not identify apparently there under a company that is no longer in business or was sold and can not find where the debt is. The 2 I am concerned about is lines 1 and 3 I know my wife 's we located that and the National Collegiate Trust   has 2 names XXXX XXXX AKA XXXX XXXX XXXX on the last 2 I would like to know how to remove them since they are not in my name
Product: Money transfer, virtual currency, or money service

Cash App shirked its legal responsibility to investigate complaints by customers who claimed their accounts had been hijacked or that they had fallen victim to scams. It also inappropriately stonewalled requests for refunds on unauthorized charges. 

But Cash App also stumbled by not offering an in-person helpline users could call when something went wrong, the CFPB said in its order. Instead, it provided a phone number that simply directed individuals back to the app for assistance a corner-cutting decision the agency claims led to a host of problems that scammers were able to take advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  XXXX Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

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 or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XXXXXXXX XXXX  Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

ubject : Dispute of Account and Identity Fraud ( Account : XXXX ) Dear [ Credit Bureau Name ], I am writing to dispute the validity of an account that appears on my credit report and to formally request validation of the following account, which I believe is a result of identity fraud : Account Name : XXXX XXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX This account is not mine, and I have never authorized or opened any accounts with this entity. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting that you provide the following verification and documentation for this account : A copy of the signed contract or agreement related to the account. Proof of any payments or transactions associated with the account. Any identifying information you have on record that would associate this account with me. Additionally, under 12 C.F.R. 1022.41 ( Regulation V ), which enforces compliance with the Consumer Financial Protection Bureau ( CFPB ), I am requesting that this account be removed from my credit report due to the fact that it is fraudulent and affecting my financial well-being. The erroneous reporting of this account is causing harm to my credit, and I request it be corrected immediately. Please treat this as a formal dispute and investigate this account. If this account can not be validated, I request that it be permanently removed from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to remove this fraudulent information will result in further action, including a potential lawsuit by my attorney, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. This is a serious matter, and I will hold both your company and the reporting party accountable under CFPB laws, FCRA, and applicable state and federal regulations. Please provide a response within 30 days as required by 15 U.S.C. 1681i ( a ). If I do not receive a satisfactory resolution, I will pursue all available legal remedies.
Product: Money transfer, virtual currency, or money service

Hello, I have been sending emails to Binance and US Binance regarding this issue since XXXX. They are a crypto currency trading platform. They only can be contacted by email and I have put in many support tickets, and have received either no response, or minimal response and one unkept promise to resolve the issue.

I been a long time customer of the original Binance. Late in 2020 when US customers had to close their Binance account and open a US Binance account I transferred several assets to new US account. My new US Binance account does not support one of the assets ( XXXX XXXX ) that I transferred. However, they hold the " keys '' to retrieve the assets. I have a copy of the email they sent me me stating they would retrieve the XXXX assets for a fee. At this point in my correspondence with them it is now XXXX ... XXXX months, and I agreed to the fee and gave them the info they needed to complete the task. I have heard nothing from them. I have tried every way I could research to contact them and nothing has worked, you are my last hope. We are talking about over {$6000.00} here which is a lot of money to me. 

Any help at all is greatly appreciated, it is a lot of money for me. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

I am a resident of the state of Texas and sent Enhanced Recovery a Texas Debt Validation request in accordance with Texas Finance Code 392.202. This request was received and signed for on XXXX/XXXX/2015. I have not received validation of this debt. It has now been well past the 30 day period in which the agency must respond. I recently checked my credit reports and this debt still remains. I have attached a copy of the Texas Debt Validation Letter, Certified Mail Receipt, and Return Receipt.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXXXXXX Balance XXXX : {$13000.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 reporting or other personal consumer reports

The Company has responded stating that the accounts being disputed was deleted from my credit report and when i checked my credit they were removed. however as of today XX/XX/year> all those disputed account reappeared on my report again. 
I have a letter stating that the dispute was resolved. 
I demand those account be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX XXXXXXXX 's False Preapproved deceit I hard excessive hard inquiries and inaccurate information reporting. A few i dont remember. These accounts are not consistent on 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 XXXXXXXX XXXX XXXX I can't see my XXXX yet to dispute
Product: Debt collection

I was a victim of identity theft. I believe that this debt does not belong to me. I have asked this company several times to provide documentation stating that I owe this debt within 30 days or please remove it. This company has failed to provide a signed copy of agreement that shows my signature and the said amount owed. I have a copy of a police report that was made in regards to myself being a victim of identity theft. I will attach it down below.
Product: Credit reporting or other personal consumer reports

This morning, I was really upset to find inaccurate accounts on my credit report. I check it regularly, and suddenly, there are discrepancies that dont make any sense. I thought it might be a glitch, so I refreshed my browser, but it didnt fix anything. Im asking that the documents I sent be looked at thoroughly so that I can stop worrying about this situation.
Product: Vehicle loan or lease

When I buy my car back in XXXX the deal was, I have to put 2000 $ down payment for XXXX $ loan and dealer said this 2000 $ will be deducted from original loan but never happens and they never give me contract to make my own signature because they do everything on computer.after I paid 25 months correctly I got in very hard time and creditor initially sold the debit and after that take it back. Now when I speak with creditor they asks me to pay more XXXX $ to seatless my account and I dont want this because they already put a lot negative stuff on my credit report and I started to pay again. After 25 months XXXX $ from XXXX $ original loan + 2000 $ down payment they still reported on credit I have to pay more XXXX XXXX This is what I dont understand how is possible to pay this much for XXXX Honda Odyssey with XXXX miles on? When creditor finally sent me contact with that virtual signature i saw total payment XXXX $ that is insane. I was to talk with dealer and he rejected me saying is to late. Please can someone help me with this problem? Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a load with XXXX XXXX XXXX. I was behind on some payment and made it known to them. Then for the past year play have been paying the payment in full and on time. I am still paying the payments each month. They have not reported that I have been continuing to pay the balance each month and stopped reporting in early 2019 when I still have the car loan through them and have been paying on time and am up to date that that is destroying my credit score. They havent updated it in a year and when I made a complaint they closed the account out which negatively effects my credit while the loan is still with them. I just want its to be up to date so I can continue to improve my credit and they are doing everything they can to negatively impact it while I have been paying in full and on time for over a year.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - Unfroze my credit reports XX/XX/XXXX - Applied for Caesar 's Rewards Visa card through Comenity Bank XX/XX/XXXX - Received notification from XXXX that Comenity Bank made a Hard Inquiry XXXX - Received a letter from Comenity Bank that they could not process my application because my credit reports were frozen, and that I needed to contact them once the reports were unfrozen. 
XXXX - Contacted Comenity bank about the letter. The initial representative was limited, and could not address why Comenity Bank made a hard inquiry, nor could she see that an inquiry was made. All she could see on her end is that my reports were frozen. That rep transferred me to a supervisor, XXXX XXXX ID XXXX. XXXX was limited as well, and said she would make notes on the application. Both reps said they could run my application again, but that would add an additional hard inquiry on my XXXX credit report. Resulting in XXXX hard inquiries for XXXX application. I declined, because back in XXXX i had this similar issue with Comenity, and that single application led to THREE hard inquiries and a denial based solely on those THREE hard inquiries ( ref complaint ID : XXXX ). Comenity eventually removed those inquiries from my report. 

The issue is that Comenity made a hard inquiry on my XXXX Credit report for the XX/XX/XXXX application, but their customer service reps have no record. How can Comenity state that my reports were frozen, but still successfully make a hard inquiry? Also, how does Comenity not see that they made that inquiry, nor have access to the report that they requested? I attached Comenity 's letter dated XX/XX/XXXX as well as an excerpt from my credit report showing the hard inquiry made by Comenity on XX/XX/XXXX.
Product: Checking or savings account

Someone hacked my phone number, cell phone, and using my social security number, driving license. I have several bank account. Always change my online access and using my debt card. Contacted with bank using my social security. Paying bill, taking money from my account. I don't have any control my bank accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute two fraudulent accounts appearing on my credit reports, which are the result of identity theft. I have been notified of multiple data breaches and have confirmed that I am a victim of identity theft. Upon reviewing my reports, I identified the following accounts as fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I do not recognize these accounts as reported, nor have I ever authorized or consented to the transactions or their reporting. These accounts have been included in a formal FTC Identity Theft Report, which I am attaching along with supporting documentation. 

Additionally, these accounts contain inconsistencies and inaccuracies, including what appears to be the falsification of the " date of last activity '' to artificially prolong their presence on my reports. This misrepresentation is fraudulent and violates the Fair Credit Reporting Act ( FCRA ).
Product: Student loan

XX/XX/2018 I did a loan reconsolidating plan with a company called XXXX Premier Student Loan Center and was promised that my student loans would be reconsolidated. However, I've used XXXX XXXX XXXX to manage my account and the money I've paid to the Student Loan Center above mentioned is not reflected in my loan repayment history. I'm quite concerned.
Product: Credit reporting or other personal consumer reports

I contacted XXXX regarding this account asking to remove and further proof of this item and provided fraud report in 2021, I recently updated the identity theft report once again requesting the removing of this fraudulent account from my credit report. NCB Management and was previously XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

My stepdaughter, XXXX XXXX XXXX, rented an apartment in XXXX, Oklahoma XX/XX/2010. She listed me as the co-signer but I never received the co-signer agreement, neither by USPS or fax. I repeatedly asked rent recovery solutions to contact the apartment representative regarding the lack of an agreement signed by me. They never came up with one and I said that I therefore should not be held responsible for this debt. They have never followed up with a correction, that is, my NOT being responsible for this debt since I never signed anything!!!