23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2022 {$110.00} I answered a phone call from American Coradius International LLC. They asked how was I going to pay a debt on a XXXX account. I told them I wasn't paying anything because it can't be my debt because I never had a XXXX account. I also received a letter from American Coradius International LLC and returned it and checked not my debt. Also, in the returned letter I told them I have never had a XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is displaying zombie debt that is not mine. XXXX and XXXX have not provided information to go into arbitration for long standing account insurance company paid and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Acct # XXXX - First reported XX/XX/XXXX- {$740.00}. 
XXXX XXXX : Acct # XXXX - First reported XX/XX/XXXX for $ {$730.00} ( charge off ) and XX/XX/XXXX, {$980.00} date of last report. 

XXXX XXXX XXXX : Acct # XXXX - Amount past due {$96000.00} XXXX XXXX XX/XX/XXXX past due XXXX. 

XXXX : Acct # XXXX - Date of XXXX delinquency XXXX XXXX. Date XXXX reported XX/XX/XXXX for {$1100.00}. 

XXXX XXXX XXXX XXXX : Acct # XXXX - Date of delinquency XX/XX/XXXX, date first reported XX/XX/XXXX - {$490.00}. Last reported XX/XX/XXXX. 

XXXX XXXX XXXX : Acct # XXXX - {$540.00}. Date of delinquency XX/XX/XXXX. Date first reported XX/XX/XXXX, date last reported XX/XX/XXXX. 

XXXX XXXX XXXX : Acct # XXXX - {$210.00}. Date of delinquency XX/XX/XXXX, Date closed XX/XX/XXXX, date last reported XX/XX/XXXX. 

XXXX XXXX XXXX XXXX : Acct # XXXX - {$570.00}. Date of delinquency XX/XX/XXXX, date XXXX reported XX/XX/XXXX, date last reported XX/XX/XXXX. 

XXXX XXXX XXXX : Acct # XXXX - Date of delinquency XX/XX/XXXX, date last reported update. 

XXXX XXXX XXXX XXXX : Acct # XXXX - {$250.00}, date of delinquency XX/XX/XXXX, Charge off, last reported March 330, 2018. 

XXXX XXXX XXXX : Acct # XXXX - Date of XXXX delinquency XX/XX/XXXX, date first reported XX/XX/XXXX, charge off {$540.00}, last date reported XX/XX/XXXX. 

XXXX XXXX : Acct # XXXX - date of delinquency XX/XX/XXXX charge off {$1800.00}. Date first reported XX/XX/XXXX, last date reported XX/XX/XXXX. 

These have violated my rights. 

15 USC 1681 section 602A states I have the right to privacy. 15 USC 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USCs-2 ( A ) ( 1 ) : A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

procollect has reported to all three credit agencies a balance to an apartment I never lived at. XXXX XXXX XXXX, I have asked them to validate this debt multiple times with no response. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I never lived in a apartment and have been at this same house for over 10 years. Please remove from credit agencies or mail proof of a signed contract, my picture Id or whatever they claim I have from a apartment complex.
Product: Credit card

On XX/XX/year>, I purchased a {$200.00} XXXX gift card with points from my Capital One credit card. It is now XX/XX/year> and I still have not received the gift card. I have contacted Capital One on four occasions and each time I was assured that I would receive the gift card within 2-3 days. However, it has never arrived. See the attached document that shows the purchase and the order ID ( XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$21000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$160.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$82.00} Open Date XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report both my birthday, SSN and numerous addresses incorrectly. I have tried numerous times to dispute online, and via written complaint.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is Mitchell D. Bluhm & Associates , LLC I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, Mitchell D. Bluhm & Associates , LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. Mitchell D. Bluhm & Associates , LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where Mitchell D. Bluhm & Associates , LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. Mitchell D. Bluhm & Associates , LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

It has come to my attention. My personal information has been exposed in a national data breach reviewing my credit reports I have noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt however, the information has not been provided due to my information being exposed I have submitted a FTC complaint reporting the information. I am not familiar with.
Product: Vehicle loan or lease

I was suppose to receive a 1099 tax form from you all since it was wrttien off debt never received it Im asking you all please provide this is soon as possible
Product: Credit reporting or other personal consumer reports

Fair Resolution : 1. Correction of Reported Information : The account with XXXX  XXXX  ( Account Number : XXXX ) is listed as a charged off as bad debt status in XX/XX/year> with a balance of {$600.00}. The credit report also reflects a credit usage of 121 %, which may indicate an over-the-limit balance. I request that this information be verified and updated to ensure the balance and status accurately reflect the actual standing of the account, especially regarding whether the account has been settled or paid off.

2. Verification of Charge-Off : The account was marked as charged off in XX/XX/year>. If the charge-off is valid, I request confirmation that the charge-off was properly recorded and that XXXX ( the creditor ) correctly reported the final balance and payment status. If any payments or settlements occurred after the charge-off, the account should be updated to reflect this. 
3.

Update to Paid/Settled Status ( if applicable ) : If the account has been settled or paid off after the charge-off, I request that the account status be updated to reflect that the account was paid or settled. This should be reflected as paid in full or settled for less than owed in the credit report.

4. Removal of Negative Impact ( if applicable ) : If any inaccurate or outdated information is affecting my credit report, such as an incorrect charge-off date, balance, or status, I request that these be corrected or removed. If the account is still incorrectly marked as a charge-off or has any inaccuracies in the reporting, I request these errors be corrected.

5. Updated Credit Report : Once the necessary corrections have been made, I request that TransUnion provide me with an updated credit report showing the correct status of the XXXX XXXX account. The report should accurately reflect any payments or settlements made after the charge-off. 
6. Written Confirmation : I request written confirmation from both XXXX XXXX and TransUnion once the updates have been made. The confirmation should include a detailed explanation of any changes made and a copy of the updated credit report. 
7. Compensation for Damages ( if applicable ) : If this charge-off or any inaccuracies have negatively affected my credit score, led to denied credit, or resulted in unfavorable terms, I request compensation for any resulting damages.
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 practice, which violate the Consumer Financial Protection Act ( CFPB ). 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations ... ... ... ... .... $ XXXX is the name of my Cash App handle.
Product: Checking or savings account

on XX/XX/XXXX, someone fraudulently opened Bank of America checking account in my name using my social security number & email address. I spoke with Bank of America this morning, XX/XX/XXXX, and had them delete the account. I also put a freeze on my credit with the three ( 3 ) agencies and an alert on XXXX as recommended by Bank of America. 

Please see the sequence of events as follows : At XXXX XXXX XXXX XX/XX/XXXX, I received an email to verify my email address from Bank of America XXXX 
At XXXX, I received an email saying XXXXWelcome to 'Online and Mobile Banking '. 
At XXXX, I received an email saying 'Online Application is in Progress ' At XXXX, immediately after the previous email, I received an email saying that the application was approved and the 'Bank of America Advantage XXXX Banking Account XXXX XXXX XXXX XXXX was opened '. 
At XXXX, I attempted to access the account, but was unable because I do not have the bank cards associated with the account. It did confirm that they used my social security number as I was able to use it to get an access code from BofA. 
At XXXX, XX/XX/XXXX, I received an email saying 'We 've saved your Paperless Settings ' At XXXX, I was finally able to get through to Bank of America XXXX XXXX department and have them delete the fraudulent account. 

I followed up with XXXX, XXXX, XXXX XXXX, and XXXX immediately after. Fortunately there was no activity on the account. I would like to know how to insulate myself from future fraud and if any additional steps are recommended. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon learning about the Equifax security breach I and doing research on my options I decided to try to freeze my credit at all 3 credit reporting institutions. 

It 's already bad enough that every adult in the United States has to assume that their information has been compromised and that we all have to worry about a heightened risk to identity theft. 

The issue is that I ca n't get my credit frozen at ANY of the 3. As of today, which is Wednesday, XX/XX/XXXX, I have tried to freeze my credit online and over the phone at all 3 major credit institutions. I 've run into issues ranging from websites being down, to automated messages saying that my information could n't be verified. 

We need a central agency that can handle this kind of thing like a professional, because it 's clear these amateurs ca n't. 

It 's despicable that these agencies are now trying to sell their credit " locking '' services in which they are charging compromised consumers money for THEIR mistake.
Product: Credit reporting or other personal consumer reports

I received multiple letters in the mail to my parents home from credit cards requesting more information to open an account in my name that I did not request. Looked into all credit reporting websites and found that there were many inquiries that have hit my credit report that I did not request - so fraudulent activity has been happening. The below companies are listed as inquiries to my credit that I DID NOT request. 

DISCOVER FINANCIAL SERVICES LLC XX/XX/2023 DISCOVER CARD XX/XX/2023 XXXX XXXX via XXXX XXXXXXXX XXXX  XX/XX/2023, XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX via XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023, XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX XXXX  Account number 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.
Product: Checking or savings account

On XX/XX/XXXX  there was a check deposited into my Wells Fargo account. Which I did not log into my bank until three days later and seen that it was in the negative. The money was taken out at an atm using my debit card which was lost. For my transactions Ive only used XXXX XXXX which I mentioned to the bank because I didnt know where my card was but they still denied my claim. Around XXXX my social security number and my driver license was posted on instagram by someone I know, and ever since then Ive been getting letters in the mail about trying to open a new account with different banks which I did not do. Now my Wells Fargo bank is in the negative because of a check I did not deposit. Ive been on XXXX XXXX since XX/XX/XXXX, I have not been to an atm or have any way of getting paid, since Im XXXX XXXX and dont get a maternity leave check. I do not know where the check came from the signature on the check doesnt even match mine. I start back working on XX/XX/XXXX and that is the only bank account I have, but my account is XXXX and I dont want the money I make from work to go into the account and just lower the negative balance because I never deposited the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any outside sources. Please make sure you open my attached documents as it contains my request and all proper identification.
Product: Checking or savings account

I, a XXXX XXXX moved about {$26000.00} into bread savings on XX/XX/2022 in order to take advantage of the high yield savings. After waiting my XXXX hold for funds to be cleared, I decided to move {$1000.00} back into my funding account in order to pay some bills. I was then restricted when attempting to move the funds. I called customer service, and they told me that my account was opened recently and that I needed to wait the 9 days, yet it had been over 14 days. They then told me there was a security concern with my account and that was why they had a restriction on it. I then received instruction on how to life the restriction by sending in SSN card, government ID, and proof of ownership of the funding account. After doing so the account restriction still remained. After several attempts to contact the account restriction team, and ask what more needed to be done to lift the restriction and I was met with no solution. Instead I was told that the account was being closed per the account agreement. I attempted to ask why they were doing that, and they said that the information could not be given to me. I thought that it was my right to know of suspicious activity with my account, considering there was sensitive information shared on the encrypted chat ( ie SSN, drivers license. ) They then told me the money in my account would be transferred back to my funding account in 3-5 business days. This began around the end of XXXX. I can not get the exact date because my account keeps getting locked. I then called to get an update on the transfer after 5 business days and they told me it would appear in my funding account the following Monday. It is now the following Monday, and I sent a message to get another update because I need this money to live. I them received this message, " My apology for the delay. I do not see the transfer of your funds processing and the account is still rest [ r ] icted. '' The fact that this long promised transfer has not even been started and I have been heavily misled by many employees about the status of my savings and security of my funds. I have had no choice but to alert the CFPB, which brings me to here, XX/XX/2022. Over a month after my money was originally moved to the savings account.
Product: Student loan

Due to the limited response to information in response to a complaint filed by me in regards to XXXX XXXX, I realize that I need to identify misleading and deceitful information on behalf of Navient as well. Both companies have provided contradictory information between one another 's customer service representatives and within their own companies. The emotion strain piled on the financial strain has caused such stress on my marriage that trial separation has happened. With detriment to my credit and amassed debt, it hindered my ability to purchase a home with my husband, who has no debt from student loans, and has limited my ability to enhance my professional career through further education. As an educator of students primarily from low income homes, I find it disheartening and deceitful for me to encourage them to further their educational journey, knowing the trauma it has caused in my life. Anxiety caused by the drama experienced when working with these companies and the time consumed in attempting to get results ( accurate or consistent I nformation is all I hope for, guidance seems impossible ) has caused grief for all myself and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to remove the account ( XXXX XXXX Account number XXXX XXXX account. {$4.00}, XXXX past due as of XXXX ) from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report I noticed that I have several addresses listed on my report where I never lived. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
I have never lived at these addresses XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX. 
I demand these addresses get deleted off my report. 
I am a victim of identity theft, I have attached the police report and a copy of my Consumer Credit Report with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send all 3 credit bureaus letters to remove inquires which I do not recognized. None are from companies or businesses I deal with. I also have place a freeze on my account to prevent unauthorized inquires. They have ignore all 4 times I have send a request. 

Here are tracking for all the mail I sent plus others which I just put a postage stamp XXXX XXXX XXXX XXXX XXXX XXXX They need to remove those inquires as requested from all 3 credit reporting agencies. 
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 XXXX XXXX XXXX XXXX XXXX   I have also mail the names of those who placed the inquires with to no avail
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency : XXXX Address XXXX XXXX XXXX, XXXX, PA XXXX Account number XXXX NAME XXXX XXXX address : XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

I have written XXXX several times to remove this late payment off my account Account # XXXX XXXX XXXX Account # XXXX Late Payment XXXX Hard Inquiry ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX {$5200.00} Old Addresses XXXX XXXX XXXX XXXX La. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La. XXXX ( Experian ) Hard Inquiry XXXX XXXX XXXX Experian )