23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I wrote to global check services regarding the extensive fraud that has occurred under my name and disputing the demand for payment that I continue to get from this company, and their response was to send information that I dont know how to get. They are requesting {$500.00} from me for online gambling for a XXXX casino account that I dont have. This money should have never taken because my accounts were closed back in XXXX. I have attempted to resolve but are asking for a notarized affidavit of forgery. All I have is my FTC report # a submitted police report along with identity theft alert and locked credit reports. Im not sure what I can do to satisfy their requests and frankly I have been jumping through hoops and even obtained legal counsel since my bank did not follow regulation E when I noticed the unauthorized transactions on my accounts. They did not investigate until my money was stolen from my account. I have issued several statements regarding my banks misconduct only to continue to fight for my rights. I would appreciate any help you can give regarding my situation. I am failing when I continue to point out and explaining that due to their inability to follow regulation E my accounts would be in good standing given their decisions to not give me any money, since no investigation was done in the appropriate time frame. That the account in question with global check services should have never been an issue since this was part of many, fraudulent transactions that I had brought to their attention back in XX/XX/2020. Im not sure what to say about the account that is requesting that I pay since I am not sure how any money would have been received from the closed account. If theres any other way to get money from an account that was closed In XXXX, specifically the XXXX of 2020 that would be all for XXXX XXXX XXXX to explain, since I opened a new account, it has been compromised but they continue to refuse me my disputes. I have never used the new account that is also been closed due to money lost. I just dont understand how much I am supposed to lose that XXXX continues to refuse lawful assistance according to the EFTA/ FCA/regulation E and so many other consumer rights that are being dismissed.
Product: Credit reporting or other personal consumer reports

I have mailed in the documents pertaining to the inaccurate information on my credit report and it has not been corrected/ deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified in XXXX that I was a co-signer on a student loan and that the loan was not being paid. I advised them that I had never co-signed for a loan and asked them to send me the documents. I made a police report for fraud and with the continued phone calls to get me to pay, I contacted an attorney. After 5 or 6 years of my attorney calling XXXX and a lot of money, We were able to get 2 civil judgments in court against XXXX advising them that the loan was product of fraud and unenforceable against me. Mt attorney sent XXXX a letter informing them of this along with the copy of the 2 court orders/judgements. XXXX disregarded the courts judgement and continued to pursue me for collection. I was notified by 6 different collection agencies and each time I advised them to contact my attorney that we had judgements from the court. The calls would stop from one agency and started with another until they finally stopped after a year or so. They still report this on my credit reports. It says I am years and years behind ( Late ) and late to the sum of over {$20000.00}. I filed a dispute with all 3 credit reporting agencies several times, including a copy of the court judgements.. I was told they contacted XXXX, they advise its good debt, and it stays on my credit report. XXXX has completely ignored the judge and his findings. The credit reporting agencies follow what XXXX says and not the court. This has been going on since XXXX. I do not know who else to turn to. I have tried Lawyers and credit repair places trying to get this removed and have spent a great deal of money over the years to no avail. This has prevented me from obtaining credit at most places and purchasing items. I have a clear credit report with the exception of this. I pay my bills and my own student loans. Please find attached the letter from my former attorney that was sent to XXXX and the 2 court orders/judgements. ** Please note Step 4 would not let me add XXXX. 
Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent three letters asking to be corrected and no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX  XXXX, XXXX XXXX  gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Debt collection

I have a charge off reported on my credit that I have never recieved a 1099 form for. Also, according to the IRS any cancelled debt ( charge off ) is gross/ordinary income and income is not supposed to be reported on my credit. This renders the charge off report as inaccurate. I was contacted numerous times through email, phone and text throughout all times of the day.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Charged off XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Collection
Product: Credit card

I filed complaint against Bank of America refused to serve me a new credit card application because of overdraft history and bad credit records in their discrimination against American with Disabilities Act, so they do not interest in American with Disabilities Act 1990, Please relocate me to other bank institution what they denied my credit card application discrimination against XXXX XXXX XXXX from Bank of America. They do not want me applying a credit card with reward points that they do not like my appearance and XXXX issues. I complain against Bank of America that they insulted me in XXXX addresses that they denied my reward point with credit card application because of bad credit record and overdraft records. Report to US Senators and Speaker XXXX XXXX in charging serious requirement.
Product: Checking or savings account

# XXXX response from Ally Bank on this complaint should not be accepted by me or by cfpb. 

For the bank to hold my money for another 60 days after already holding it for over t 30 can't be allowed. This is a significant amount that is needed by me to pay bills and college tuition. 

What right do they have to hold onto my funds for up to three months depriving me of interest and access.
Product: Credit reporting

Salllie Mae has a fraudulent account on my credit reports since 2005. Sallie Mae is false credit reporting to keep this on my credit reports. I am not aware of this loan. It has been on my credit reports since 2005 which makes that on my credit report almost 11 years in which according to fair credit reporting, time for deletion as far as the time frame is calculated from the last payment date history in which there is none, never paid on this, so that would start from 2005. I can ask for the XXXX credit bureaus to delete. I have never paid on this unknown account, again that makes no payment history from initial reporting 2005 until now. So that alone the account is eligible for removal with no payment history. Sallie Mae needs to stop falsifying information.
Product: Credit card

In XX/XX/year>, there were several fraudulent charges placed on our Barclays credit card. I contacted Barclays and they reverse the charges and I closed the account in XXXX. I paid the remaining interest on XX/XX/XXXX and had a XXXX balance on the account. On XX/XX/year> Barclays again placed the {$28.00} charge, that was previously determined to be fraudulent, back on my account. I called to report it as fraud again. I asked to speak with a supervisor three times and they refused to speak with me. They also would not tell me how charges are showing up again on my closed account and they will not tell me how to prevent it from happening again. I am very concerned that if I had not been checking my account, I would never have known this charge was back on the account and it would impact my credit score. I am also very concerned that Barclays is not working with me, just passing me from department to department. Please advise me on what steps I can take to resolve this matter.
Product: Credit reporting 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 trough the physical verification of the original signed document 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 expect to see an original proof of the accounts that I am listing below. 
Under FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand that you remove this account immediately : XXXX XXXX assoc account number XXXX Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provided me with an updated report within 30 days in accordance to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts and inquiries listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX Balance {$4600.00} XX/XX/XXXX Inquired on XX/XX/2020 XX/XX/XXXX Inquired on XX/XX/2020XX/XX/XXXX Inquired on XX/XX/2020 XXXX Inquired on XX/XX/2020 XX/XX/XXXXnquired on XX/XX/2020 XXXXXX/XX/XXXX Inquired on XX/XX/2020 XX/XX/XXXX Inquired on XX/XX/2020 XXXXXX/XX/XXXX Inquired on XX/XX/2020 XXXXXX/XX/XXXX Inquired on XX/XX/2020 XXXXXX/XX/XXXX Inquired on XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked the CRAS to verify account # XXXX filed XXXX XXXX and I checked they are still reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous CFPB Complaint I submitted addressed to the Credit Bureaus. I sent a letter to the Credit Reporting Agencies on XXXX XXXX, XXXX, requesting the Credit Reporting Agencies to remove the disputed fraudulent accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XXXX XXXX, XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Please remove the following items : 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 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
Product: Debt collection

XX/XX/XXXX - after multiple phone calls I took a call from Transworld Systems Incorporated ( TSI ). They stated on the phone call it was an attempt to collect on a medical Debt for my father XXXX XXXX XXXX XXXX. I told them I was not XXXX XXXX XXXX XXXX but they told me they could call me since I was now an adult, over XXXX XXXX XXXX. They stated this was a debt collector on a recorded line. I was concerned that this debt would be reported on my credit, so I agreed to pay for the debt. I understood when I got off the phone that this debt had not been validated to my parents and may have been a billing error. On XX/XX/XXXX my mother, XXXX XXXX, contacted TSI and was told I should not have been contacted since the debt occurred XX/XX/XXXX when I was a minor. XXXX XXXX attempted to validate the debt but TSI could only provide a date of service and was not able to provide any additional information ( such as name of provider or list of services ). On XX/XX/XXXX, a claim was filed with XXXX XXXX XXXX  for the fraudulent charge. On XX/XX/XXXX, XXXX XXXX closed the claim stating I, XXXX, XXXX, authorized the charge. I was not made aware by the debt collector that I was not responsible for this debt. On XX/XX/XXXX, XXXX XXXX, contacted TSI again in attempt to reverse the charges. XXXX XXXX was now told they were authorized to contact me about the Debt since I was XXXX XXXX XXXX now. When she asked again for them to validate the debt she was told they did not need to validate the debt since I had already paid the Debt. This Debt Collector violated the Fair Credit Reporting Act ( FCRA ) by contacting me as an adult to attempt to collect on a debt that occurred when I was a minor. In addition, TSI violated FCRA by failing to validate the debt, failing to provide the name of the provider and a list of services to XXXX XXXX or XXXX XXXX when they contacted them attempting to resolve the matter.
Product: Credit card

I am a US Bank XXXX XXXX Visa member. I pay an annual fee They advertise a benefit on hotel stays when booking with their hotel rewards program and for being their Credit card customer. They changed the terms and will no longer offer the benefit of XXXX night free on hotel redemptionshttp XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered unauthorized credit applications submitted in my name to two lenders. XXXX was from XXXXXXXX XXXX , and the other was for XXXX XXXX XXXX XXXX XXXX . I was at home when I received email notifications about these applications, which I did not submit. I immediately contacted my credit lenders to report the fraud, but they insisted that I was the one who submitted the applications. Despite my efforts to dispute these charges, the process has been unhelpful. I am seeking assistance on how to resolve this issue effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX  XXXX  XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX/XXXX  Account # XXXX, Account Name XXXX  XXXX  Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX/XXXX  Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

I called the credit bureaus a few months ago because there were multiple accounts showing inconsistencies and multiple inaccuracies between all three bureaus. Phone rep advised me to send in a dispute letter included in that letter would be my id, ss #, and utilty bill proving my identity and address. Til this day the same inaccuracies are still showing on my credit report. Please help *****everything was mailed certified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC1681 US Bankruptcy court ID # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
Credit XXXX bank # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my right. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have right to privacy.

15 U.S.C. 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not reporting 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 items of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681 S-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: Checking or savings account

This is the SECOND time Bank of America has allowed an account be opened under my name and information. The 1st time I reported it and it was closed. Now i received 2 emails to verify my email for online banking account and to congratulate me on opening the account
Product: Debt collection

I was checking my credit report and noticed that your company placed a negative account on my credit report. I do not recall or recognize this account. I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
Product: Money transfer, virtual currency, or money service

I am filing a complaint again CashApp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account and others 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 readdress for these violations.
Product: Debt collection

On XXXX XXXX the company reported to my credit report when I have never done business with this company and I have no idea who they are. The amount is XXXX I do not owe this company any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXX. I must have a credit report to submit to the state governing agency before I can obtain my renewal license. I have retrieved my credit report on several occasions utilizing the free annual credit portal. I have not changed any information at all. Yet, the three credit reporting companies will not allow me to access my reports online. I have to wait as long as 2 weeks before receiving it in the mail. This is untenable as I need it now. I can not practice XXXX without a XXXX XXXX XXXX. 

Their actions will have a devastating monetary effect on me. 

Transunion has promoted inaccurate information on an heir property where my name appears as an administrator as my home address, which has never been my place of abode. In other situations, as a Realtor, I have served as a fiduciary for my clients and was required to have my information along with my company registered as the point of contact. No matter how much I have attempted to have the companies recognize my address I have used for several years they refuse to do so. I believe there exists a XXXX and XXXX nuance as to why these companies have created a problem for me on my reports. They can not conceive how I am affiliated with several addresses which I have absolutely never connected with my personal affairs. 

I have tried to get that corrected to no avail. Additionally, Trans Union is reporting a delinquent account to XXXX XXXX, which is untrue. I have tried to get it corrected on many occasions and can not. I have a 100 % payment record with no delinquencies.