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

This notice is to inform the CFPB Transunion is reporting inaccurate information on my credit report. 
The old junk account was sold to XXXX XXXX by The XXXX XXXX XXXX 
ATTACHED WITH THIS LETTER IS A SCREENSHOT OF THE EXACT DATE OF THE ORIGINAL FURNISHER WHICH IS STILL BEING REPORTED ON MY XXXX CREDIT REPORT. 
This constitutes fraud. These companies should not be in business. 
They are destroying lives. 
Partial account number XXXX XXXX XXXX has illegally purchased and re-aged from XX/XX/XXXX to XX/XX/XXXX. 
This a malicious attempt to keep it on my credit file for a longer period of time. According to federal law, Neither creditors nor debt collectors can re-age an account. From the moment an account ages, it can not be taken back in time. Regardless of how many times an account is sold from one collector to another, They have willfully ignored my previous notice to cease and desist. 
Furnishing a duplicate account. It is illegal and unethical for a company to sell an account and keep reporting it on a consumers credit file. 

I have disputed this account with XXXX and it was immediately removed from my credit file. 

If by any miraculous chance your office is able to legally VALIDATE your claim with the below documents ; Agreement with the party that authorizes you to collect on this alleged debt. 
The legal order from a judicial court to place this account on my credit file. 
An agreement with your company bearing my willful signature stating my legal obligation to pay this alleged debt. 
Original copies of the debt agreement stating the amount of the debt and interest and changes. With the matching date. 
Proof that the statues of limitations has not expired. 
Complete payment history along with an accounting of the debt and all additional charges being accessed. 
Proof that you are licensed to do business in the state of Texas. 
Your purchase agreement with the alleged previous owner of the debt. 
Your license number and registered agent. 
The law requires 30 day to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will promptly consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and left unknown accounts on my credit file.These accounts are obviously derived from identity theft. Pease remove the following accounts.

1 ) Dept of ED/ XXXX   {$11000.00} 2 ) Dept of ED/ XXXX  {$6800.00} 3 ) Dept of ED/ XXXX  {$12000.00} 4 ) Dept of ED/ XXXX  {$5800.00} 5 ) Dept of ED/ XXXX  {$10000.00} 6 ) Dept of ED/ XXXX  {$4500.00} 7 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX account is fraudulent it was removed from my credit report by the creditor, and Experian has placed this account back on my report. please remove and block this account from my credit report immediately and permanently. this is causing my a lot of health issues with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$9400.00} Type Installment Loan Payment Status Late
Product: Credit card or prepaid card

I was charged in XXXX of XXXX  by XXXX XXXX, a photography company, who went out of business. I used my Capital One credit card. XXXX XXXX was supposed to cover my wedding and did not provide any services. They went out of business with no viable solution to cover my wedding. An " insider '' with the company emailed me to file a dispute to attempt to get my money back. But the contract specifically states if I file a dispute I will not get my money back or services. It is my thought that this was a set up by XXXX XXXX  to keep my money AND not provide services. They stopped responding to emails. They shut down their phone line. There was no ability to resolve and nothing was done by the company to schedule services. 
I then decided to file a dispute with Capital One. I should not have to pay for a company who took my money, rendered no services, and shut down with no back up plan to cover one of the most significant days of my life. I jumped through the hoops of filing the dispute, I gave every single bit of documentation Capital One requested, as well as other statements from others who had the exact same thing happen. This was a scam company and it was very clear that they charged me with no intent to photograph my wedding. Capital One resolved the dispute, but not in my favor. I still owe the original money paid to the photographer and the fees. The reason was that the charge was over 60 days old. It is absolutely unreasonable to think a wedding photography deposit would be under 60 days old when services are not rendered. I was told to resolve my issue with the company. There is no longer a company to resolve this with. I want my money back.
Product: Vehicle loan or lease

This is not a duplicate. 
The previous complaint is for incorrect credit reporting. This complaint is for intentional miscalculation of payments. These are 2 separate issues and fall under 2 separate categories. 

On XX/XX/year> a XXXX XXXX bankruptcy was filed, in which the courts reduced the interest rate on the vehicle to 6 %. Instead of Global Lending Services adhering to the courts imposed interest rate of 6 %, they continued to apply interest of 16 % to the loan. This intention miscalculation has after receipt of {$4100.00} from the bankruptcy trustee from XXXX on a loan of {$12000.00} to reflect a payoff of {$10000.00}. The trustee calculated the principal balance should be that of {$7900.00}. The lender has intentionally ignored the court implemented interest rate to defraud, keeping the principal balance high, in an attempt to collect thousands more than owed.
Product: Debt or credit management

I notice a charge in my card for service I wasn't aware of XXXXOMO company enrolled me and charged me without my consent I have made many efforts to cancel and receive a refund and to opt out of all advertising emails and they refuse and continue to charge me without refund I have never used any part of thier service
Product: Credit card or prepaid card

The XXXX and XXXX credit cards charge the amounts of the last statement balance minus any credit that occurs after closing the statement, when auto payment is made. Capital One bank also did the same during the XXXX years. However, after 2017, Capital One collects the entire amount of the last balance ignoring the credits after closing the closing statement. Let us say that my wife buys {$50.00} merchandise from XXXX and charge it to Capital One Card before the closing date. That is included in the statement. Fine. But, she does not like the dress worth $ 35+tax and returns two days later, that occurs after the closing date. XXXX gives the credit and returns the cash back to the credit card. So, Capital One gets the money. However, when the auto payment comes some 23 days later, the bank collects this money also. The credit will appear only in the next month 's bill. That is not fair.
Product: Credit card or prepaid card

Idk XXXX XXXX informed me of a new hard inquiry and I haven't applied for any credit cards .... and ib think my identity had been stolen cause I can't answer questions to confirm my identity
Product: Debt collection

I am in the process of purchasing my first home and too my surprise when I took a look at my credit for the first time in a long time I found this entry for an account that does not belong to me. At no time have I visited a hospital and at no time have I ever given anyone the authority to use my name to obtain any medical assistance. I request the help of the CFPB in acquiring complete validation of this so called account currently reporting negatively on my credit. I request the details used to obtain medical assistance including all details of identification used to open this account. this is an issue of identity theft and I require as per rights by law that this company provide me with full their full validation so that I can resolve this matter swiftly so that this fraudulent account is removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. You do not have any permissible purpose to furnish my personal information to any third party. 15 USC $ 1681b Permissible purpose of consumer reports 1. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : ALL XXXX  XXXX ACCOUNTS / 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 ANY AND ALL ADDRESSES EXCEPT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX OR XXXX ALL EMPLOYMENT EXCEPT STUDENT ALL PHONE NUMBERS EXCEPT XXXX XXXX ANY AND ALL NAMES EXCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ANY AND ALL CRIMINAL REECORDS Remove these Accounts from my Credit Report ALSO NEED TO SITE 15 U.S.C 1666B 15 U.S.C 1681 15 U.S.C 1692G
Product: Payday loan, title loan, or personal loan

I am a victim of Identity theft and I have disputed these items and they are still on my credit bureau. 
One account is Republic Account number XXXX
Product: Debt collection

This " XXXX XXXX XXXX '', aka " ERC '' of XXXX, FL., a predatory collection agency, continues to report false information about a debt that I was never liable for, for XXXX XXXX XXXX XXXX 

" ERC '' claims the debt originates to XX/XX/XXXX, for {$130.00}. They have been informed repeatedly that I NEVER had an account of ANY type with XXXX beforeXX/XX/XXXX ( when I signed up for cellular phone service after having been with XXXX before then ). 

" ERC '' continues to report the debt ( but paid ) as " valid '', as recently as XX/XX/XXXX without providing ANY verifying documentation as to the validity of the debt. " ERC '' 's only action has been to claim the debt is accurate and to report such to the 3B 's.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Eletronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after noticing unauthorized inquiries on my credit report. 
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

On XXXX I sent a letter opting out of any and all authorization I the consumer may have given XXXX XXXX in a demand to have my personal, financial, public, and non private information removed from third party non affiliate companies and consumer reporting agencies per 15 USC 6802. 15 U.S. Code 6802 is about obligations regarding the disclosure of personal information. It states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party 15 U.S. Code 6801 states that Congress has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. And Per 16 CFR 313.7 - Form of opt out notice to consumers 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; I have submitted my opt out request even though the option was not
Product: Debt collection

I just recently disputed some medical bills that should have been covered by the VA. I got out of the military in 2010 and was told I was covered fully for 5 years. Two items are still showing up on my credit report and some years ago I paid this company money which I realize now I should not have paid because the same debts for the same treatment had been taken off. The company is Aargon debt collections. I need help. Part of my XXXX is a XXXX which I have a XXXX XXXX on my XXXX for. Please help
Product: Debt collection

Called my place of employment, at which I have only been employed at for 6 weeks, I have never used the phone number of employment on any documents, so how they know I work here befuddles me. I am not behind on any debts and I do not have any student loans. I also have received calls at my home and on my cell phone that were about student loans, but I do not have any student loans.
Product: Debt collection

On XX/XX/2023 I received an alert from my credit monitoring company advising that a collection had been added to my XXXX credit report. When I checked the report, I saw a {$190.00} collection account had been added by Frontline Asset Strategies. There was no original creditor listed and I knew that I did not have any delinquents and I had not received any correspondence regarding this. Therefore, I disputed the collection with XXXX who then supplied me with the proper information including the original creditor which was XXXX. I contacted XXXX on XX/XX/2023, and spoke to a financial specialist who determined that I, in fact, did not owe them any money but since the debt had been sent to collections, she transferred me to her supervisor to help get the matter cleared. The supervisor also agreed that I did not owe any monies and the mistake was on their end as my account was not closed out properly. The supervisor, with me on the phone, then called Frontline Asset Strategies to have them withdraw the collection. I recorded our entire call and on the recording, you can hear the XXXX XXXX confirm with XXXX XXXX, the Frontline Asset associate, on the phone, that the mistake was XXXX 's and I did not owe them any money. Still, XXXX refused to remove the debt. When she realized that both I and the XXXX representative were on the phone together, she said that she could not continue the conversation unless the XXXX rep disconnected. Once, she disconnected, XXXX proceeded to tell me that the debt could not be removed unless I provided additional information even though the XXXX rep told her that the debt was not legitimate. Once I told XXXX that was she was doing was illegal, she hung on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : I received an email from XXXX XXXX stating that they were closing my account because of past due accounts on XXXX. That information is incorrect. I have fraud alerts up and down my credit report stating that I have been a victim of fraud for over 5 years. Also Equifax has an account from XXXX XXXX reporting as a collection account on my report that is fraudulent. I have been back and forth for years over various accounts that are fraudulent and I am tired. I need XXXX XXXX, removed off of my report. I need any other collection accounts removed off of my report. I need any addresses that are not XXXX XXXX XXXX XXXX, GA XXXX removed off of my credit report. I need phone numbers that are not XXXX removed off of my report. I need other names that are not XXXX XXXX XXXX XXXX or XXXX XXXX XXXX removed off of my report. I am not happy with this and I am looking at filing suit. I need XXXX and equifax to remove any and all delinquent accounts from my report asap. I need them to send me an updated report in the mail reflecting that change. Also, for some reason, XXXX will not let me see my report online and I don't understand why. I have tried calling that useless XXXX number and all I get is a recording that will not allow me to speak with a representative. Please fix that.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing two tradelines for SYNCB/TJMaxx. ( Please see pages 2 and 3 attached. ) One card is charged off in XX/XX/2018 with a balance/past due balance that is incorrect. I went to TJ Maxx one time, forgot my card and they looked me up in the system. The account was a {$0.00} balance so they opened up a new card for me in XX/XX/2018. Now the balances, past due amounts, status and dates of last activity are all incorrect. In addition, they are reporting a balance on the card that was charged off even though they have sent it to a third party collection agency. This is illegal. I believe that someone fraudulently used my card. I have contacted the bank and they can't give me any information. Please help me get this removed from my report and stop XXXX of Ohio from reporting a fraudulent collection on my report. I have included a copy of my credit report as well as the letter from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party  database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX My name is : XXXX XXXX XXXX - XXXX : XXXX SS # : XXXX My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX CT XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX My current employer is : XXXX :
Product: Mortgage

Dear Sir/Madam : Loan # XXXX I am asking for your assistance with resolving multiple issues with M & T Bank. The attached letter to M & T bank lists the issues that remain unresolved despite several attempts to resolve them with M & T bank and XXXX Mortgage services who is the mortgage service company. 

The loan defaulted and foreclosure proceedings was stopped when a modification agreement was offered by XXXX and was accepted and successfully completed. Now M & T Bank is not honoring the modification agreement monthly payment amount. M & T has suddenly increased the monthly payments from {$3100.00} to {$5200.00}. Also, I believe that M & T bank is not deducting the legal and other fees discharged in my bankruptcy discharge obtained on XX/XX/2015. 

Your assistance will be greatly appreciated in resolving these issues with M & T Bank and hence saving my home.
Product: Debt collection

On XX/XX/2021, I received an email about a decrease in my consumer report. When I checked my report I noticed my score had dropped tremendously. Ability Recovery Service has reported that I somehow owe them money. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. 

To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave ABILITY RECOVERY SERVICE, XXXX, XXXX, OR XXXX any written consent to report anything on my consumer report, No consent is identity THEFT.