23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contact this company on several occasions. The first time I was told I was n't in their system. ( If they were unable to verify me how can the verify that the balance is valid ) The second time, I called they were able to locate me in the system and were suppose to follow back with me after speaking with the orignial debtor. I never got a call back. Third attempt, I 'm still awaiting a call back from a manager. I have also attempted to dispute with the original debtor but they indicate they no longer own the alleged debt and must contact the collection agency. The collection agency, I do not have a contract with. No, the balance is n't correct ; I never attended classes there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before. XXXX XXXX XXXX XXXX, TX XXXX. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.
Product: Debt collection

On XX/XX/2020, I sent a debt validation letter via certified mail with return receipt to LVNV at XXXX XXXX  XXXX XXXX, SC XXXX requesting Debt validation. Tracking # XXXX shows it was received and signed for on XX/XX/XXXX, XXXX by XXXX. Debt validation is my federal right granted under the Fair Debt Collection Practices Act ( FDCPA ). Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. 



It has now been well over the allowed 30 days and LVNV Funding has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ in amount of {$4600.00} from XXXX XXXX. Charge was disputed via XXXX XXXX but never removed. 
First, XXXX XXXX charged medical insurance. 5 Treatments were made and paid via insurance that involves cracking back. That's it. No other service was provided by XXXX office XXXX falsely charged for service that was never given. Insurance paid for cracking of back. XXXX XXXX wanted money for services NEVER provided. Treatments Never given. Amount changed from {$2000.00} to over {$5000.00} billed charges yet credit report says {$4600.00} on credit report. They are making stuff up!!!! 

Perhaps they confused myself with someone else. 

Kindly remove charge from all 3 credit reporting sites as it is fraudulent. Much appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I requested my anual credit report and I think it's wrong! Im aware that I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 
Please provide me with the following items : * Pay off disclosure * Interest Rate Disclosure * Balance History * Payment History * XXXX XXXX 1.Validate Accounts Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$4400.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$2400.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$2100.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$1800.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$1300.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX I encourage you guys to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

I also find out that under federal law. you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and correct information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit card

I received a email stating that a new credit card was opened in my name on XX/XX/XXXX. XXXX XXXX received an application for a savor XXXX credit card on XX/XX/XXXX. Different phone number & email address was associated with the account. XXXX dollar balance on the credit card and has not been used yet. The company reported it as fraud and froze the card pending investigation.
Product: Debt collection

This is not my account, I have never lived in this location, this is showing as reported to collections and this is not me, this is now impacting my credit score. Please help COLLECTION BUREAU HUDSON VALLEY Under dispute Date opened XX/XX/XXXX Balance {$590.00} Account info Account name COLLECTION BUREAU HUDSON VALLEY Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$590.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$590.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violent the consumer financial protection act ( CFPA ). Specifically Cashapp failed to timely and effective measures to prevent and address fraud on their platform, leaving my account and unprotected. Furthermore, There 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.
Product: Credit reporting or other personal consumer reports

Filed several disputes with Experian about inaccurate items negatively affecting my report. Despite my attempts and several actions taken to fix this with Bureau issue still remains unresolved. Improper investigation was done and the accounts were only updated.
Product: Checking or savings account

I dont have a PNC account and got this. Its a scam. : PNC-AIerts : New Payee Added to the account. If this was not initiated by you, please fix it at XXXX XXXX XXXXpnc.com before account suspension.
Product: Debt collection

Macys/DSNB reported an account to my credit. The account number is XXXX I have no knowledge of this debt and if this was used it is a result of fraud. I have disputed this account with Macys/DSNB and the credit reports and have not recieved any information back on the dispute other than " you owe ''. They have not provided a fraud affadavit, they have not provided background on this and have been flat out unresponsive. The delinquency date on this account seems to be from XX/XX/2016.
Product: Checking or savings account

In XX/XX/XXXX, I sent a check for payment of my property tax, placing the check in a XXXXXXXX XXXX XXXX XXXX XXXX I noticed that the check was deposited and cashed XXXX days later. 

In XX/XX/XXXX, I received notification of delinquency in payment, and that is when I contacted XXXX and the bank. The check was clearly fraudulently cashed. 

Wells Fargo ( not my bank ) cashed it to the fraudulent party ( unknown to me ) and despite my bank ( XXXX ) making multiple inquiries and requests to return my money, they have not. It has been XXXX year. Absolutely irresponsible and inappropriate. 

I had to pay fines to XXXX XXXX and am out several XXXX XXXX  dollars. 

I need help making Wells Fargo address this and pay me back.
Product: Money transfer, virtual currency, or money service

Hello, These transactions are all unauthorized : XXXX XXXX 2017 XXXX E-PAYMENT - {$300.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$49.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$170.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$1500.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$2000.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$580.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$290.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$1400.00} " Provisional credits will not be issued for the transactions dated XX/XX/2017 through XX/XX/2017, as the recurring transactions were n't reported timely, within 60 calendar days '' I promise these are n't authorized transactions. I 've never done any business with the debitors. I 'd notice if thousands of dollars of stuff showed up.
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit report and seen there was unauthorized inquiries on my credit report I did not authorize this to be done
Product: Credit reporting, credit repair services, or other personal consumer reports

All the Credit Bureaus dropped My credit score by over 120 points and didnt give me a full explanation on why, after Ive settled the account that has been the problem, no thanks to anyone because this account was originally fraudulent but everyone wanted to play dispute games, and nothing got resolved, until I received the letter of settlement and i figured this was my only way out, they didnt update the account as paid or settled.NONE Of them try to explain, and now im at the point where they wont answerer for phone for me, at least anymore.Transunion, XXXX, XXXX.you guys need to fix my score to the way it was before so far I have no negative accounts, and you didnt even update none of my current accounts none of you, and on more thing transunion, I had a fraudulent inquiry and the bank said they sent you a letter so why isnt my inquiry removed? Any negative balances or whatever that you guys recorded from XXXX are now SETTLED.so check your info again and fix the problem, because this wont look good if this become a court case lbs.I have my proof, Ive done the things I needed to do, now its on your lack of urgency and negligence. To all parties involved fix it.Contact XXXX XXXX, All debts should be resolved
Product: Credit reporting

I have unauthorized and fraudulent inquiries and addresses listed on my Equifax credit report that do not belong to me. The following inquiries are fraudulent and unauthorized : XXXX XXXX Bank, XXXX/XXXX/2016, XXXX Bank, XXXX/XXXX/2016, the following addresses do not belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank on accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but I have gone and paid everything and it should no longer be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letter requesting for verification and not received a answer. It been more than several months.
Product: Debt collection

Wakefield & Asso have reported information on my credit report that breaks the law of the Fair Credit Reporting act and not validating the information I asked for which they had 30 days to produce. Not only that they have violated my Hippa rights and Hippi law by sending me items of procedures that was done at hospital without a Hippa release which is a clear violation of the Hippa law and now I can proceed with a law suite . I have  documented the letter I sent them in XX/XX/XXXX of information I asked for which they never provided by the 30 days they had to produce but instead sent me a response that clearly in violation of the Hippa law and my rights. I want the items removed from my credit report or I am going to file a law suite
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting XXXX XXXX and XXXXXXXX XXXX XXXX on my credit file with negative remarks. However, these accounts do not belong to me, and neither does the balance. I have requested numerous times for the removal of these accounts as they are a result of identity theft..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent my dispute letter with notary attached certified mail ( USPS Tracking # XXXX ) to Equifax address XXXX XXXX XXXX XXXX, GA XXXX, which was received on XX/XX/2021. 

As of this day, XX/XX/2021, I have not received any mail from Equifax which is beyond the 30 and 45 day period.
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. These are the items that need attention to be deleted in my file : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Product: Student loan

I ( the consumer ) has never contracted with Nelnet but Nelnet fraudulently withdraw money from my bank account without my consent twice. By Nelnet reporting this alleged debt to credit bureaus caused my borrowing power to be limited due to the drop in my credit score. This has cause me XXXX XXXX up to {$30000.00} since my borrowing ability is damaged. Attached is the police report of this fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

** Please ensure any personal identifier data matches strictly with what I have submitted uncontested above, I do NOT authorize you to hold on to ANY info not requisite reported, not undeniable, not correct, not full, not timely communicated, not mine, not of my responsibility, and or else wise questionable OR in contradiction from the unadornedly ADEQUATE PERSONAL IDENTIFIER information I have above submitted! 
Re : This serves as my official notification to you, or any entity, concerned that I here now have confliction with the reportability of your claim ( s ) until it's decisive that privilege t o report was executed adequately and in a firmly rooted and objectified compliantly reported compliant manner, even to the mandates in accordance with the CDIA required CRRG described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim. 
To whom it concerns, edit out now the following claim ( s ) one or more of being not certified tractably supposed or elsewise revealed, unverifiable, invalid, untrue, inaccurate, inadequately unabbreviated or incomplete to needed standard, untimely disclosed, not fastidiously right by cite proof to be of a known ownership of my responsibility, inconsistently divulged, deficiently described, questionably believed and or else wise appearing to potentially be a deviation of or from the Metro 2 Standard of ethical, lawful, and compliant reporting of delinquent, derogatory, and or else wise possibly negative claims professed versus me as the consumer. Remove immediately and enduringly any negativity related to :
Product: Checking or savings account

Last week SOFI froze my checking account and now I have been waiting for a call back for almost an entire week. Whenever I call they just tell me to keep checking the app. I cant use or pay any sort of bills with my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report that are not from me and need them removed please
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX  {$630.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX {$7400.00} 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.In accordance with the Fair Credit Reporting act. 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. 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.
Product: Checking or savings account

I misread what I signed up for because I have XXXX. I thought it was just a {$300.00} race fee and application and I ended up being charged {$3000.00} and Chase will not help me. This {$3000.00} is an unnecessary donation and it is not essential. I understand the race fee being taken but the donation costs more than my rent and I can no longer support myself. This was all a mistake on my end and I am completely caught off guard.
Product: Credit reporting or other personal consumer reports

My information was exposed in the date breach. Please remove all fraudulent accounts and inquiries within 4 days under section 605b of the Fair Credit Reporr Act ( FCRA ). 

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

For the XXXX year in a row Equifax has requested I send in a form to receive my credit report. It states not able to provide online every year I pay postage make a copy of my ID & SSN and bill verifying my address and they dont send me my credit report. This year is no different. Please forward me my credit report which my is right per law. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I find there is a XXXX Inquiry from XX/XX/2018 on my Equifax report. I didn't authorize this one. Please delete it.
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 confidentiality under 15 U.S.C 1681 XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer containing any of the following items of information Any adverse items of information other than records of convictions of crimes which antidotes the report by more than seven years. 

15 U.S.C 1681=2 ( A ) ( 1 ) A Person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate