23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I took out a loan with XXXX XXXX. I am now being contacted by Worldwide Recovery XXXX, and they will not tell me the original amount of the loan. I have also received an email, with no contact information, regarding this loan at a different amount. When the agent from Worldwide Recovery called, after promising to send an email with the information, he was yelling at me about " The games I want to play ''. The letter that was finally emailed to me clearly states the date and payment method, with the due date. I informed him I would follow the instructions of the letter, and he told me that he had to collect a credit card number immediately. When I told him I would be following the directions of the letter, he yelled that I " better '' and hung up the phone. This was the second time he hung up the call.
Product: Money transfer, virtual currency, or money service

My USAA Bank account had been hacked my contact details were stolen, as well as part of my social security number! The scammer has successfully taken {$980.00}, and is actively attempting to transfer/withdraw money from all accounts! included XXXX.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX added products lowered my monthly payment with a resign my signatures are not on the loan doc 's forgery cra violation and hippa XXXX west XXXX refuse to give me back warranty money cra violation
Product: Credit reporting or other personal consumer reports

I lost my person back in XXXX of XXXX  and i pulled my report and see alot of things that i didnt authorize this is Fraud i want them removed off my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I Put in a Dispute in with Experian, Report Number XXXX XX/XX/2023, Challenging the validity of Multiple accounts on my Estate 's Credit file. I made it clear that I believe no lawful contracts exist on any of these accounts and Considering I, XXXX XXXX XXXX, am the Executor of the Estate I happen to have first-hand knowledge that no Valid contract exists. The second Challenge that I offered for them to prove they were operating under Fraud was for them to provide a " True Bill '' of accounting since the inception of the account to prove that they actually provided a Loan at all. With These two Documents Provided and verified I offered to assume the Debt as long as they contained the essential elements of a contract to be valid. Experian Did Not verify any of these collection accounts or they would have determined they were bought in fraud from a outside agency that is not a party to the contract if one ever even existed. This Dispute was completed, and Experian ignored the matters at hand Allowing these Fraudsters to continue on the account stating that their investigation found the debt to be verified. Well, I sure as XXXX didn't verify XXXX. These Companys need to stop the Fraud on " We the people '' We are the Creditor and the CORPSeration need to stop the Fraud. Truth in lending, Fair credit Act, HR 192, Etc. Accessing our private exemptions and then spitting in the people 's faces.
Product: Money transfer, virtual currency, or money service

Hello, On XXXX XXXX declared on XXXX that they would pause withdrawals from BlockFi Wallet stated in point 3 of their official email : " 3. Until there is further clarity, we are limiting platform activity, including pausing client withdrawals as allowed under our Terms. We will share more specifics as soon as possible. We request that clients not deposit to BlockFi Wallet or Interest Accounts at this time. '' I have a wallet under my name on BlockFi with approximately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've tried to withdraw everything on XXXX and my transactions are still pending even though they were supposed to be delivered on XXXX I've contacted customer support at BlockFi several times but it seems like BlockFi is not responding to anyone anymore and not communicating in any sort of way. 

I want to make clear that these balances are on my investor wallet on BlockFi ( not my interest wallet ) and I would like to state my concern about the ownership in cold storage, these wallet are in my name and should not be used to satisfy secured creditors should a bankruptcy come. 

I'm not a US resident, I'm Italian resident and I'm really concerned about what is going to happen in case they will file for XXXX. 

I thank you in advance for your help and hope this will resolve soon
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed con- sumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 
( Collection ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I had a XXXX XXXX XXXX XXXX ( Now XXXX, XXXX   Card ). They kept charging me fees and overcharging. I paid {$150.00} on XX/XX/XXXX, as final payment on a card balance of {$170.00}. I sent a letter to XXXX XXXXXXXX XXXX on XX/XX/XXXX, to get them to address the problem and close the account. They never investigated the problem or issue. They sent it to collections to a company called XXXX XXXX represented by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. When I sent them a demand and proved they should not have tried to collect the account, the entered a settlement not to sue them or XXXX XXXX for violation of state and federal law. As part of the agreement, the account was to be removed from my credit and a zero balance letter sent out. This is not a write off account this account was closed so I would not sue them. I have tried to dispute it several times, and all agency refuses to remove it despite the fact I have a signed agreement the account was to be deleted. I am asking the CFBP fine all three major CB for willful violations of the FACT and other consumer protection law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TRANSUNION : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly DELETE XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX  XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX  XXXX Inquiry Made : XX/XX/XXXX XXXX  XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XXXX XXXX, XXXX
Product: Debt collection

I, XXXX XXXX, checked my credit report and I noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit reporting agencies to remedy the situation and they would not help me remove these fraudulent and inaccurate accounts
Product: Debt collection

Calling at XXXX, wo n't identify themselves or why they are calling.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention to be delete in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance XXXX {$200.00} Medical XXXX Balance : {$170.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$110.00} Medical XXXX Balance : {$300.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$490.00} Medical XXXX Balance : {$850.00} Medical XXXX Balance : {$2100.00}
Product: Credit reporting or other personal consumer reports

These accounts is not mine XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX These inquiries is not mine XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect, remove XXXX XXXX XXXX XXXX NJ, XXXX
Product: Credit card or prepaid card

I disputed a charge for hotel reservation XX/XX/XXXX. The hotel is closed and there is now way to use the reservation. On XX/XX/XXXX I received a email letter from Chase claiming that the charge was valid and I had to pay. I called to explain to them that the hotel was closed and there is now way to use it ( I told them this the 1st time also ). They informed me I had to fax or mail in a statement claiming this and they directed me to a Chase Branch that could do this for me so I did. I went to the branch on XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/XXXX. I spoke with the manager and explained the situation to her, she did the fax and gave me a confirmation. I called Chase on XX/XX/XXXX @ XXXX to check on the status and now they are claiming they did not receive, I explained to them I had proof it was received and that it was a CHase branch that sent it in. XXXX who claimed to be a manager told me sorry but I would need to re fax, I asked what if you dont get it again he replied saying then you keep faxing it until we do. I feel this is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. 
The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX ln XXXX, oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX # XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX
Product: Credit reporting or other personal consumer reports

My personal information was wrongfully disclosed resulting in a data breach of my personal data. I have attempted to dispute several accounts since 2020 that have appeared on my report and continue to suffer from the breach of my information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions. I have been trying many times to get results on my disputes. I have asked many times for contract, proof and that I signed some agreement which I have not. This has been going on long enough. I never signed a contract with the collection agency. After the investigation they never sent me proof that it was validated. They keep validating before anything can be investigated. And when it has been deleted, they reinstate the collection without even a 15-day notice. They keep violating all the laws and my civil rights to discriminate. It seems like all they can do is just to put somebody down with false information to make more money for the subprime market. And also, I think they discriminate because my zip code. I sent an affidavit explaining how they keep violating my rights and I wish this to be corrected with the deletion of all those false and fraudulent collection accounts and or charge-offs. The signed affidavit that I sent to credit bureau to explain how they keep violating my rights. Also, I sent what they sent me after what I sent them. After their investigation which was not completed properly or investigated properly, no proof of contract or signature was ever provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.
Product: Debt collection

LVNV funding LLC states XX/XX/year> that was open with them and I told them I have no knowledge of this account and no contractual agreement with them.
Product: Debt collection

This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) a contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do not owe is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1962 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute of the validity of your claims. 

Please note : This is an attempt to correct your records and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a station, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I believe my account is hacked in some way. I would like CFPB to look into this matter. This particularly happens with my XXXX XXXX account. On my mobile banking app It gives me the option to turn on or off toggle and for some reason when I check it again it always turning back on when I know it's supposed to be off. I get the run around when I contact these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXX XXXX XXXX : {$6800.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/18 ), XXXX, XXXX, Transunion have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.
Product: Student loan

I seen student loans on my credit report from XXXXXXXX XXXX XXXX I call them and they said I had a loan witch is impossible because the school is in XXXX  and in live in XXXX
Product: Credit card or prepaid card

I went to a garage on XX/XX/. tried to fix my car. The mechanic couldn't figure out what the problem was but still asked me to pay the inspection fee. I asked him how much he said {$25.00} but the bill was actually {$120.00}. I didn't sign the receipt and they didn't even give me a receipt. Basically I didn't authorize the payment, so I tried to dispute this to Bank of America twice but they couldn't do anything to help. 

this is the second time I report this case to CFPB. A few days after I reported them I got an email from BOA. They said they tried to call me but no one answers they also give me a number to call back and told me they needed to verify with me through the phone. I tried to call them tons of times and no one never responded. I also sent them an email back explaining the situation and asked for a correct number to call back but unfortunately still no response.
Product: Debt collection

On XXXX XXXX I sent a letter of Verification to LJRoss about a bill reporting on my credit report from them. I asked them to send all necessary documents with information Validating the debt owed to them. They in turn sent a copy of a itemized bill which is not validating a debt owed to them or a signed contract stating that I agreed to pay any amount owed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies for a collection account that is fraudulently reporting on my credit report from Portfolio Recovery Associates ( PRA ). I have also filed a case with the Better Business Bureau and PRA has not yet resolved my issue. PRA is reporting on my credit reports as a Factoring Company account with which I have done business and this information is factually inaccurate. PRA previously claimed that they are not reporting as a Factoring Company, but I have several months of credit reports that prove my complaint. I have attached a copy of the BBB complaint that I submitted including the response from PRA that is blatantly false as well as five different copies of the credit reporting furnished from PRA showing their claim as a Factoring Company on my credit reports through XX/XX/XXXX and XX/XX/XXXX.