23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My payment for XXXX XXXX was suspended. I am not really sure when this happened but i submitted documents on XX/XX/2021 to verify myself in the form of an ID and they told me that it would take two days to review. My account has not been unlocked. I got an email on XX/XX/2021 requesting information regarding a card i had added in the name of XXXX XXXX, who is my father. They requested their full legal name and address, which is what I input when i added the card to XXXX XXXX. They also have the same address as i do. I added their card because my dad wanted to pay for lunch and i ordered some delivery. I am unable to pay for my subscriptions as they are all made through XXXX XXXX. 

Attached is my bank statement and my dad 's to evidence that we know and live together. I would also like to note that the card that was added was their EIP Visa card that he received his stimulus payment to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX  XXXX Card regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXXXXXX BANK XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute to have the negative reporting from the Augusta Collection Agency removed from my XXXX and XXXX XXXX credit reports. XXXX and XXXX XXXX credit reports refused to remove this information from my credit reports. Last week, I spoke with someone from Augusta Collection Agency/XXXX XXXX XXXX XXXX and they said they will not remove this balance of {$2500.00}, from my bureau of credit reports . This account is being reported as an Account Type : Unknown, Acct # : XXXX, Date Opened : XX/XX/XXXX, Last Activity : XX/XX/XXXX ; Collection ; High Credit : {$2500.00}, Past due : {$0.00} ; Balance : # XXXX. This is a medical bill that has been paid by my health insurance company. 
After conducting my research, I found that the balance reporting of {$2500.00} was when my daughter, XXXX XXXX, was transported to the children hospital at Augusta University XXXX XXXX XXXX XXXX ambulance on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX health insurance company regarding the balance of {$2500.00}. XXXX stated that XXXX XXXX XXXX XXXX XXXX submitted in the amount of {$2400.00} in XXXX, and they paid the balance in full, {$2400.00}. XXXX stated that they paid the claim that was submitted. Please review attachment from XXXX where they paid XXXX XXXX XXXX ambulance service in full. Please remove XXXX XXXX XXXX XXXX XXXX XXXX from my bureau credit reports.
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. 

XXXX XXXX XXXX XXXX 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: Credit reporting

I submitted a dispute with Transunion concerning XXXX accounts on my credit report that I am not responsible for. I submitted this dispute on XX/XX/2017 ( accounts are with XXXX XXXX and XXXX ). I received a letter from Transunion dated for XX/XX/2017 stating that the agencies verified the accounts and they are accurate. I find it extremely hard to believe that they could complete the investigation within two days, especially, when it the businesses have 30-45 days to verify. I have spoken to XXXX XXXX personally and they stated that they do not have the account in question and attempted to transfer me to a collection agency ( whom I was never able to get in contact with ). On the report it states that the account was purchased by another lender, however, that lender is not listed on my credit report. I would like these accounts to be removed off my credit report as they are hindering me from moving ahead in life and purchasing my first house. Thank you for all you assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX Notice for Proof of Claim Account : XXXX XXXX XXXX  # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer complaint against Navient actually involves two issues where they have failed to ethically and professionally conduct business. First, in XXXX, when my ex-wife and I divorced, we requested that I be released from a student loan that I was co-signed on with her. It was not that large of a loan ( {$5400.00} ) and she wouldve qualified as she makes a good income as a nurse ( I co-signed on the loan to help with her XXXX school ). However, they would not release me from the loan. Navient has two pending lawsuits against them for this very issue and I may pursue legal action given what happened next. Fast forward to XXXX and my ex did a debt settlement on all her debt with a debt a relief company. The loan I was co-signed on was part of this. Co-signors have rights, however, I was never contacted about this nor did I agree to anything. I did learn about it after the fact and after doing some research felt my credit could absorp the ding from a settlement. The debt was settled and paid in full as of XXXX, XXXX. Nothing negative showed up on my XXXX except that it was closed, in fact, I got a bump from it. Recently, I went to re-finance my home and my FICO scores were much lower than I thought, only to discover that Navient has incorrectly reported that loan as a Charge Off against my credit ( and my ex ). It should be reported as settled, which is less of a credit hit. When I contacted Navient about this, they sent me to collections and tired to collect from me! Again, another violation of the law as you can not collect on a paid debt. No record of the settlement, according to them, although I have a letter from the debt settlement company showing otherwise. I further requested to dispute the credit reporting and apparently now I have to write them at a specific PO Box and prove to them that the debt was settled?! So I have to do all the work for their error? They are in violation of the Fair Credit Reporting Act. As such, because of their inaccurate reporting against my credit, I only qualify for a higher refinance rate, which over the term of the loan will cost me XXXX. I plan to take legal action as their reporting is harming me financially. Trying to get a response from their idiotic bureaucracy is impossible.
Product: Credit card or prepaid card

I have 3 credit cards with Capital One and through the pandemic have been assisting me with deferrals however I'm still in the hardship situation due to COVID 19 and they did continue to assist me with 2 of the credit cards but for an unexplainable reason as per a supervisor, they can not help me with one of the cards ending in XXXX. I need help. I still do not have income and my partner is in the same situation so We are seeking government assistance in order to have food.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a block on my Equifax report that I have been tried to get it removed and it still remains on my file. I have spoken to 14 Equifax reps that say they will get it removed and nothing gets done!! IT IS NOT A FREEZE OR FRAUD ALERT ITS A BLOCK!!! as long as this block is on my report, I can't see my credit report and a dealership pulled my report and nothing came up, said I have no credit!!! I am XXXX years old I assure you I have credit No one at EQUIFAX KNOWS WHAT THEY ARE DOING, EACH ONE I SPEAK TO GIVES ME A DIFFERENT ANSWER.I JUST WANT IT FIXED SO I CAN AND THE CAR DEALERSHIP CAN SEE MY REPORT.I am so TIRED of getting the run around, and never had this problem before. I have no problem with the other two agencies. PLEASE HELP ME GET THIS RESOLVED!!!! 
XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I became aware of an unpaid medical bill that was reported for collection, in the amount of {$56.00}. I had not been aware of the outstanding bill until the debt appeared on my credit report. The debt collector, MRS BPO, posted the collection twice, on two separate dates, to XXXX ( XX/XX/XXXX and XX/XX/XXXX ), and twice on two separate dates to XXXX ( XX/XX/XXXX and XX/XX/XXXX ; the latter date is 12 days after the bill was paid ). On XX/XX/XXXX, I paid the bill in full by credit card over the telephone. The confirmation code I was given by MRS BPO is XXXX. I was told by the agent that the 4 derogatory entries reported to the two credit bureaus would be removed in XX/XX/XXXX at the latest, as they report improved accounts on a monthly basis. The entries have not been removed, despite the account being paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX )  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I checked my credit profile a few months ago and realized an account that I didn't open is on my reports. I was young and never knew anything about credit and have never had a credit card. Someone opened a credit card with my information, made payments and stopped paying I guess, and now I have this fraudulent debt on my name. I was informed I've been a victim of identity fraud. 

I informed Portfolio Recovery Associates LLC that this account is not mine, I am a victim of identity theft. The account number is XXXX. I have filed a police report, and mailed it to them along with my identity theft form. I need this account removed from my name and credit reports immediately. This is my final attempt at peaceful mediation.
Product: Checking or savings account

CashApp is billing me with overdraft fees after my CashApp was compromised. Their case number is XXXX. 

My bank XXXX flagged the fraudulent transactions. 

Account Number : XXXX Claim Date : XX/XX/year> Claim Number : XXXX Claim Amount : XXXX
Product: Debt collection

I received a letter stating that l owed XXXX from Weltman, Weinberg, Reissue and Co. LPA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX phone is XXXX. About a month ago or more l received what felt like initially a scam and then an intimidating and threatening phone call from this Collection agency.if l remember correctly, the representative They asked me for my personal information. They refused to tell me who they were.l eventually spoke to a representative from their law firm and told them that l had not taken out a credit card and that the transaction was fraudulent. I just received the letter dated XX/XX/XXXX. It is XX/XX/XXXX today. In the letter they supplied me with a copy of an application for a credit card that someone in XXXX XXXX XXXX XXXX took out in my name on XX/XX/XXXX XXXX. I live in XXXX. I have not been to XXXX XXXX. I do not owe this money. This is a fraudulent transaction done in my name that the bank, XXXX XXXX approved in XX/XX/XXXX. I need my credit report corrected. In the meantime they advised me that l need to report this to the FTC and file a police report.The number that was used for the drivers license does not match my drivers license
Product: Debt collection

Reported this identity fraud also sent a police report to prove everything was stolen XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances getting { house, car, etc }.
Product: Checking or savings account

MY BUSINESS DEPOSITS WERE SET UP IN A PERSONAL ACCOUNT OF MY HUSBAND- WITHOUT MY SIGNATURE AUTHORITY- HE PASSED AWAY- MONEY IN THE ACCOUNT WAS DEPOSITED FROM MY BUSINESS CONTRACT AND - FRAUD REMOVAL OF MONEY LEAD ME TO FREEZE THE MONEY IN THE ACCOUNT - AS i NEEDED AN ORDER FROM probate COURT 2. XXXX XXXXe XXXX XXXX AND THE SAID DEP ADMIN- TO SURRENDER THE LETTERS- BUT THEY CLOSED THE SAID ADMINISTRATION OF THE ESTATE EARLY- AND NOW ITS 4 YEARS I HAVE GIVEN THEM DEATH RECORD OF i BEING NEXT OF KIN, MY BUSINESS INFORMATIUON AS OWNER OF THE SAID DEPOSIT- AND THE CONTRACT NAMING ME AS THE PERSON WHOM MONEY CAN BE RELEASED- DUE TO THE MORTGAGE FRAUD THE SAID COURT CLOSED THIS MATTER PREMATURELY- AND NEED ACCESS TO MY MONEYT? please HELP ME EITHER GETTING LETTERS FROM THIS COURT TO ACCESS MY MONEY OR THE BANK SURRENDERING MY MONEY DUE TO THE MERITS OF THE SAID CONTRACT i SENT THEM AND THE DEATH RECORD ECT
Product: Credit reporting or other personal consumer reports

XXXX  XXXX  has been reporting incorrect information on my credit reports. I have 2 accounts that were closed. I settled the first one ( XXXX ) back in XXXX XXXX and they didnt update my credit reports as paid off and had an outstanding balance. I disputed these issues and the amount was changed to {$0.00}. The second one ( XXXX ) I also paid off. They updated the information this XXXX after I paid it off and its still wrong. I dont owe XXXX XXXX anything. Ive been making payments on XXXX since XXXX and paid the rest off in XXXX. There shouldnt be a past due amount of {$810.00} on my account. Both accounts are settled for less than amount. I disputed this second account. TransUnion said the information is accurate on my credit report when their payment status, account status and amount are inaccurate.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : 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 XXXXXX/XX/year>
Product: Credit card

I booked a hotel with a specific room type through Citi XXXX. They booked the wrong room type, but would not acknowledge their mistake. I have waited 2 weeks and Citi kept saying they do not have a resolution. The customer representative was very rude and refused to describe what resolution she would be trying to achieve. 

This is the second time Citi XXXX made the same mistake of booking the wrong room type at the hotel. Citi is ripping consumers off by charging a high price for better room types and just booking inferior room types. It is misrepresenting to customers. If I had not called the hotel, I would not even know Citi made a mistake and Citi can just take my money and give me an inferior product.