23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the reporting of collection accounts on my credit report that do not belong to me and have not been properly validated as required under federal law. The failure to validate these debts and the continued reporting of unverifiable accounts violates provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

These accounts, listed as XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have caused harm to my credit profile and reputation. Below, I outline the applicable legal obligations and my specific grievances : Validation of Debt Is Required Under the FCRA and FDCPA : Pursuant to 15 U.S.C. 1692g ( FDCPA ), a debt collector must, upon written request within 30 days of the initial communication, provide validation of the debt. Validation must include : 1.Proof that the debt exists.

2.Documentation that I am the rightful debtor, such as signed agreements or contracts.

3.An itemized breakdown of the debt amount.

Under 15 U.S.C. 1681s-2 ( FCRA ), entities furnishing information to credit reporting agencies must ensure that the data is accurate and verifiable. This includes confirming the legitimacy of debts reported. To date, these accounts have not been validated with proper documentation, yet they remain on my credit report, which is a clear violation of these legal obligations. 

Requirements for Credit Reporting Accuracy : Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) mandates that information furnished to credit reporting agencies must be accurate and verifiable. Further, under Section 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccuracies, and credit reporting agencies must investigate and resolve disputes within 30 days.

These disputed accounts remain on my credit report despite my requests for validation. The continued reporting of unverified debts constitutes willful noncompliance with federal law. Additionally : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of information reported.

If these debts can not be substantiated, they must be removed immediately, as mandated by Section 611 ( a ) ( 5 ) ( A ).

Lack of Appropriate Documentation : To date, the debt collectors and credit reporting agencies have failed to provide the following critical documentation to validate the debts : Proof of my liability, such as a signed contract or agreement with the original creditor. 
Chain of title documentation establishing that the debt was legally assigned to the debt collector. 
An itemized statement breaking down the total debt amount, including interest, fees, and charges. 

Without such documentation, these debts are unverifiable, and their continued reporting violates my rights under federal law.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about Equifaxs failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ). 

As per federal regulations ( 15 U.S.C. 1681i ), Equifax is required to conduct a full reinvestigation of disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law. 

I am disputing the following negative entries on my credit report : Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX, MA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XX/XX/XXXX Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress. 

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delaware XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX PayPal sent me a notification that my business PayPal account had been frozen and assets seized for 180 days due to a violation of their acceptable use policy and would send me instructions at the end of this time to retrieve the funds " if applicable. '' This decision " can not be overturned '' the robot tells me when I call attempting to gather informationPayPal will not connect me to a human for customer support any longer. 

PayPal would not specify what the violation was, yet I imagine it is because our company is a legal, tax-paying, registered LLC, California-based XXXX XXXX   company. I am assuming PayPal believes that hemp oil violates their Controlled Substances clause, yet the XXXX Farm Bill did away with that, and prior, we carried ( and still do ) full documentation from the legal hemp oil distributor in CA proving we were not breaking any lawsstate or federaland that our products contain zero controlled substances. 

We have never had a charge-back, nor a dispute, nor is this account high-volume where identities of buyers are hidden to mask illegal activity. We have the records to prove this. 

PayPal is not secured by the FDIC, so we see zero legal reasons for this seizure, and even so, we have seen our fair share of banking issues, but never an asset seizure with no contact information and zero recourse and no access to a human to answer our questions. This is corporate sanctioned thefteven if temporary.
Product: Checking or savings account

I opened and funded a checking and savings account on XX/XX/XXXX with HSBC bank, after a couple of days they told me that the account has been recommended for closure, I've spoke to many people on the phone and not one person can give me a reason why. They told me that the bank will return the funds to the account which I sent the money from and it has been over a month now and they are still holding my money without any explanation whatsoever. I want my money back
Product: Credit reporting or other personal consumer reports

THERE IS AN UNAUTHORIZED ACCOUNT ON MY CREDIT FROM XXXX XXXX XXXX ACCOUNT NUMBER XXXX
Product: Debt collection

XXXX XXXX XXXX has a problem with their account system and is trying to collect money I do not owe and will not take steps to fix it. 

I purchased XXXX XXXX XXXX ( XXXX ) invisible teeth aligners in XX/XX/XXXX and signed up to pay {$1800.00} financed through HealthCare Finance Direct ( HFD ). I paid the full amount financed in full in XX/XX/XXXX. I did not receive any notices of any money owed in XXXX or XX/XX/XXXX. 

Due to multiple customer service issues with the product, XXXX refunded me {$150.00} on XX/XX/XXXX. ON XX/XX/XXXX a notice was sent to me by HFD stating I was past due {$170.00} and I would be sent to collections If I did not pay. I also received a text message stating I was past due on this date. 

I verified on the XXXX website that I show a balance due. The website shows I missed a payment of {$34.00} on XX/XX/XXXX and I owed {$88.00} and I was past due {$170.00}. I contacted XXXX on XX/XX/XXXX and XXXX from XXXX ( who initially refunded me for {$150.00} ). talked to XXXX from HFD and XXXX said it was a glitch and would be fixed. I checked the website and it still showed a balance due. I talked to XXXX from HFD on XX/XX/XXXX who said it was a glitch and would be fixed. XXXX sent me a paid in full letter that stated " your account is PAID IN FULL in the amount of XXXX ''. That letter is incorrect. My account is paid in full for {$1800.00}, and I have been refunded {$150.00} by XXXX I called on XX/XX/XXXX and spoke to a supervisor XXXX who said I received a letter showing paid in full. I explained the letter was in error, that I needed a corrected paid in full letter, that I am receiving false debt collection letters and XXXX needs to be corrected. She said she would escalate it but she could not fix the portal because of a technical glitch. She said she would take 5-7 days to fix. I explained that 5-7 days has already passed since this was reported on XX/XX/XXXX and I was getting false letters and collection activity. 

HFD when I call states I do not owe money but their portal and their automated computer keeps asking me for money which makes me call them to verify I am paid in full. They have not been able to fix the debt on my online account to show I owe {$0.00} and I am paid in full. I have asked them to provide me the name of their compliance officer and they have refused.
Product: Credit card or prepaid card

XX/XX/XXXX, I requested my First Citizens Bank Credit Card reward points to be deposited into my checking account with First Citizens. The Amount of  XXXX was never deposited. I have attempted three times since XX/XX/XXXX to start the process again. 
First Citizens has put in multiple expedited requests but they go unanswered. I called again on Monday XX/XX/XXXX and a very rude representative from the Credit Card Department told me she couldn't do anything for me. She then asked if there was anything else she could help with and she hung up on me. 

I have not received any follow up calls on my requests. Since then my Credit Card has been closed and i have not had any movement with this. The phone number that I last received a call from was XXXX, on XXXX XX/XX/XXXX. She would not give me her name and was completely insistent on not being able to assist. 

I would like to submit this complaint to have First Citizens Bank honor their promise in fulfilling my request to have my rewards of XXXX deposited into my Deposit Account. I am looking into consulting with my Attorney. I feel that this is a violation of UDAAP. This was a rewards card which I had rewards available  prior to my account being closed. The request to transfer my rewards was never fulfilled which is a violation of the marketing for this Credit Card.
Product: Credit reporting or other personal consumer reports

Im writing to dispute some accounts and credit inquiries on my report that were added without my knowledge or permission. Unfortunately, after a data breach, my personal information was compromised. As a result, unauthorized accounts were opened, and credit inquiries were made in my name. These actions were not something I authorized, yet theyre still showing up on my credit report, which is affecting my credit score in a negative way. 

Despite my attempts to resolve this, these inaccuracies are still present. Its very concerning, not only because theyre damaging my credit, but also because they raise serious questions about the safety of my personal information and the accuracy of my credit report.
Product: Debt collection

I received court documents in XXXX XXXX about being sued my Midland Credit Management. Although I did live in XXXX XXXX when I originally got that credit card, I have been living in New York since XXXX. My parents called to tell me I am being sued by them two weeks ago. I have called Midland Credit and they give me a different number to call because it is being handled by a " different department ''. I call the number I was given and the lady says I need to call yet another number but she doesnt have access to the number I have to call to work things out. That I should call again another day. I tried calling a second time, and after almost 30 minutes on the phone again, she has no " access '' to the number I need to call about this. I goodle the lawyer that has the case and call the numbers I find, and its disconected. I have a number on court documents and also try calling with no luck. Two weeks have passed and I cant contact anyone to let them know I am not even a resident there anymore. Im afraid of the court date getting closer and having a judge default to XXXX just because they either dont know what they are doing or refuse to do so, and have the court date come up without me there for a debt from XXXX.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX, ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

This loan was a result if fraud. This is not my account. Someone stole my information and made this transaction. i did not authorize this transaction.
Product: Checking or savings account

I recently received a Cash App card in the mail. It has my name on it and was addressed to me. There is one message. " Activate your card, Scan code in Cash App. '' I thought this was a promotion so I downloaded the Cash App app to get the details of the offer. It had me set up a profile. There was no option to scan the code or link the card. It turns out the card has a user name on it already. They call it a XXXX like a XXXX. There was no apparent record of me opening the account with that XXXX or requesting a card. I asked for more information, but they wouldn't provide it until I would provide them with a lot more information. I provided a lot of information when I downloaded the app. This seemed like a scam. I asked to be put in touch with their fraud department. They wouldn't connect me, and didn't call me back either. This is potentially a UDAAP violation, and at a minimum a Reg E violation ( 12 CFR 1005.5 ). Please help me resolve this mysteriously opened account and issuance of an access device.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXXXXXX 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: Payday loan, title loan, personal loan, or advance loan

Republic finance overcharged monthly with fees I did not know about which comes to a total of {$600.00} over time. The account was set where you couldnt see anything but what you owe and this is how they were able to add the additional fees.
Product: Debt collection

XXXX XXXX2025, posted new collection with same amount as last disputed on XX/XX/year>2025 to credit bureau.amount disputed is XXXX, CKS Prime investments , LLC. Collection company refuses to respond back to me or answer my calls. They hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our XXXX XXXX XXXX Report dropped significantly. We traced the amount to XXXX XXXX XXXX. An amount of {$450.00} was sent to Convergent Outsourcing Inc. for collections. This amount is still outstanding. XXXX XXXX requested that we file an identity theft report to the police and to you. We have never had any dealings with XXXX XXXX. This is a fraudulent claim. Someone had access to my SS #. I am filing a report to the police department.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$1400.00}
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF ID THEFT, THE ACCOUNTS BELOW ARE NOT MINE. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) {$430.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ) {$11000.00} XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) {$290.00} XXXX XXXXXXXX & XXXX ( XX/XX/XXXX ) {$260.00}
Product: Checking or savings account

Overdraft fees was taken out multiple time and I was told that I would not be charged
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX on multiple occasions has attempted to and did swindle money from me, theh wrongfully report false credit information on the credit Bureaus and has not let me access the online account of my second vehicle. XXXX keeps hanging up the phone and will not respond to the claims and proof we sent them over fax they acknowledged the fax once then changed the story after. They keep sending letters harassing me and my son on the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX that I have always paid on time as agreed. However due to the recent worldwide Pandemic COVID-19 impact, XXXX shows me as XXXX days late on my XX/XX/2021 Payment because of previous hardship buildup made it a difficult year for me. XXXX XXXX claimed my payment did not process on XX/XX/XXXX so I went into XX/XX/2021 and paid them again manually on XX/XX/XXXX for XXXX and paid them for XXXX 's XXXX on XX/XX/XXXX thus making me clearly up to date on everything as of now. Whether they processed the payment or not the issue is that my hardship was due to a Global Disaster ( AW ) caused by the Pandemic. Not only do I think I deserve some assistance in removing the late they recorded on me, I also think they received their money on time and the late is in error. However when I reach out to both the credit bureaus and the loan company they brick wall me and don't help. Please help me.
Product: Credit reporting or other personal consumer reports

I have recently discovered that my personal information has been compromised, resulting in unauthorized information appearing on my credit report. I am writing to formally request the removal of this unauthorized and fraudulent information as soon as possible. Enclosed with this letter, you will find copies of the following documents that support my claim of identity theft : A copy of my government-issued identification ( e.g., driver 's license or passport ). 

A copy of the Identity Theft Report filed with the City of XXXX XXXX, FL on XX/XX/2024. 

A copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, completed and notarized. 

Any additional documentation related to the fraudulent accounts, such as correspondence with the creditors and any dispute letters I have sent. 

Request for Investigation and Removal : I kindly request that XXXX XXXX XXXX conduct a thorough investigation into the unauthorized accounts mentioned above. In accordance with the Fair Credit Reporting Act ( FCRA ), I believe that these accounts should be removed from my credit report promptly, as they are a result of identity theft and not a result of my own actions. 

I have attached a copy of the police report and any relevant documentation that supports my claim of identity theft. Please find these documents enclosed with this letter for your reference.
Product: Credit reporting or other personal consumer reports

Recently i found out that i had some accounts on my credit report that where opened without my consent. When i confronted my ex boyfriend he admitted to opening these accounts. This is clearly identity theft, please block these accounts from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, I don't believe I'm late on thise late dates, Under USC 1666b, you should remove this late payment. Please update.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This account need to be updated : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Potential victim of Equifax credit breach. Upon signing up, received randomly generated answer.