23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone Number : XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Dispute of Debt - Account Number : [ XXXX ] Dear Sir or Madam, I am writing to formally dispute the validity of the debt you are attempting to collect related to The XXXX XXXX XXXX. This account was previously deleted from my credit report due to identity theft, which I have reported to the relevant authorities. 

It is concerning that this account has suddenly reappeared on my credit report after being removed. This may violate the Fair Credit Reporting Act ( FCRA ), which requires that accurate and complete information be reported, and that consumers not be subjected to double reporting of debts, commonly referred to as double dipping. The practice of reselling debt that has been previously charged off and reported as removed raises serious legal and ethical issues. 

Under FCRA Section 605 and FDCPA Section 1692e, consumers are protected from deceptive practices, including the re-reporting of accounts that have been properly disputed and verified as fraudulent. I believe that your collection efforts on this account violate these federal laws. 

As such, I demand that you provide validation of this debt, including proof that I am responsible for it, and that you cease all collection activities until such validation is provided. 

Thank you for your immediate attention to this matter. I expect a prompt response confirming that this account will be removed from your records, as it should not have been reported again. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

credit acceptance corporation reporting in Inaccuracy information on my credit report I have reached out and ask both parties to remove and stop reporting false information on my credit report
Product: Credit reporting or other personal consumer reports

See attached Comments and Exhibits. 

XXXX XXXX XXXX XXXX ( XXXX XXXX '' ) reported a medical collection associated with XXXX XXXX to Experian XXXX XXXX and XXXX on XX/XX/XXXX wherein XXXX XXXX claimed that the medical debt had been outstanding for more than a year ; however, statements from XX/XX/XXXX and XX/XX/XXXX show that no such balance existed and that XXXX XXXX XXXX claim is both inaccurate and false. 

Upon filing a dispute with Experian on XX/XX/XXXX, an investigation was conducted ; however, XXXX XXXX CERTIFIED to Experian that the information in the collection was accurate and Experian made no change ( s ) to my credit report. 

On XX/XX/XXXX, I contested the dispute findings electronically and attached XXXX XXXX XXXX XXXX  page of comments and XXXX ( XXXX ) pages of exhibits. 

In response, Experian informed me that my contested dispute had been concluded but that the findings and the report were not available to me electronically. Hence, final resolution of this matter appears on-going. 

Additionally, I have now received a notice from a third party credit provider stating that as a result of this medical collection, I am now subject to higher interest and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX as known as XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an 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 moreover than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a debt collection notice from ; Premiere Credit of North America , LLC XXXX XXXX XXXX XXXX XXXX, IN. XXXX XXXX Creditor listed, as ; XXXX  XXXX XXXX , XXXX for ; {$10000.00} XXXX  XXXX XXXX is fictitious. A foreign for profit corp. filed in FL in XXXX  Which is defunct. 
There has been nothing on my current, XXXX credit report, about this ever.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ), accounts that are over seven years old and have been closed or marked as settled should no longer be reported on my credit report, unless they are subject to specific exceptions. The originating companies for these accounts have already requested them to be closed, and I have provided the necessary documentation proving this request. 

Despite this, the accounts remain on my credit report, and the dispute remains unresolved. I respectfully ask that you : XXXX. Remove the outdated accounts from my credit report in accordance with FCRA guidelines. 
XXXX. Provide a detailed explanation of why the reinvestigation of these accounts did not result in their removal, particularly if the originating companies requested closure. 
XXXX. Ensure that any future reinvestigations take into account all relevant documentation that has been submitted. 
As these accounts are affecting my credit score and financial standing, I ask for prompt resolution. I expect the matter to be reviewed and addressed in a timely manner. If no action is taken or if my complaint is not handled properly. 

Please acknowledge receipt of this letter and inform me of the next steps in resolving this dispute. 

Thank you for your attention to this matter.
Product: Debt collection

Today XX/XX/XXXX I called XXXX XXXX XXXX to speak to them about my account and I was informed by a rep who said that they were a non attorney debt collector that I am in the process of being sued on my account. When I asked why I was informed it was because I missed a payment in XXXX and XXXX and for both of those I called in and asked them not to pull as I had two major life events. When I spoke to them about these payment no representatives mentioned anything to me. I have been paying religiously since XXXX on this account without missing any payments until XXXX months this year. When I spoke to the representative today and I asked why I was being sued and no one mentioned anything his response was did you hold up your end of the agreement. No I asked to skip two payments under the assumption that they were moved to the end of my agreement like an extension. I also dont know how a non attorney debt collector can claim that I am being sued after they also say my debt isnt in collections and its sitting in a state where I can be sued anytime they want to proceed with doing that but who I spoke with said they were a debt collector by a non attorney debt collector and it was an attempt to collect a debt. Please someone make it make sense.
Product: Credit card

I am disputing the collection account with TOLEDO FINC account number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that TOLEDO FINC, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit card

To Whom it may concern I have applied for the Citi Strata Premier Credit Card on XX/XX/year> due to the promotion offer of XXXX points But upon meeting the eligibility requirement within the time frame, I was informed by the Citi Support Team stating there is no such offer on the card. 

Following the call with the support team a follow up E-Mail was sent to the department referenced by the Citi Support Team at XXXX on XX/XX/year> but 10 days have passed with no response from the team. 

The offer has been misleading, upon closer review of the offer that when I noticed a statement stating the new account bonus would not be available if there was a previous Citi Premier card in the past 48 months. 

I think a fair resolution would be to reverse the {$95.00} annual fee collected or issue the XXXX bonus points as all eligibility requirement has been met. 

I would never have applied for the card if knowing the new account bonus would not be paid and I would have to pay a {$95.00} Annual Fee I think Citi can take a page from XXXX, where card application would automatically be declined if the applicant will not meet the bonus eligibility versus now I feel mislead and taken advantage of Thank You
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item i am asking you to verify as accurate : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Wells Fargo Dealer Services refuses to release information regarding my vehicle loan. In order to refinance, I need them to fax or mail my original contract to the new lender. 
After two and a half weeks and six different conversations with several customer service representatives, each with different understandings of what information they may or may not release and how. Not even customer service supervisors, XXXX ( on duty Friday, XX/XX/2017 around XXXX EST ) or XXXX ( on duty Tuesday, XX/XX/2017 around XXXX EST ) would get the " Document Management '' Department to deliver my information. 

My business is effectively being held hostage by Wells Fargo while interest on the loan accrues.
Product: Credit reporting, credit repair services, or other personal consumer reports

No theft protection service provided ; Im a victim of YOUR breach. I began remedying, but hackers prevented me from proceeding back in XXXX! I ran my emails and it came up that I was a victim of your breach. In fact, I caught on to these hackers n XXXX, however according to running my emails to see who has my private info, it goes back to XXXX, and they are STILL HACKING ME, wrecked my credit, broke into my home, wrecked everything I own, run my electronics remotely ( per police ), yet nobody is helping me! My vehicle was repoed illegally as my account was current! Here were 2 other social security numbers on my credit per XXXX ( Im a victim of their breach, so I just found out ). I had them removed. One ended in the year I was born! When you see additional social security numbers on an account, other than the one belonging to the person, doesnt that raise a RED FLAG?! Ive contacted you repeatedly to put security on my file. Then, got a letter in the mail stating it was lifted per MY REQUEST! I never asked you to remove it! But, it was on ALL bureaus! SMH Ive had calls from someone in TX saying all my private information was all over the state of TX! Ive have fraudulent mail saying I owe taxes in a state I never lived or worked in! Hounded me for 3 years! Addresses wrong ; notifications of utilities verifying I requested services in towns Ive never heard of ; getting codes on my phone for my cards and which I never requested ; phone calls, mail, emails for people using my info to get jobs, etc. My phones tapped, per XXXX XXXX, my calls and messages intercepted, emails hacked, stolen, contacts stolen and disappeared off of sites, and tons more. I need help here!! My credit was XXXX 2 yrs ago! My credit scores do not match payments Ive made, paying off XXXX XXXX, etc. I demand justification, remediation immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that continued requests for removal of items that have not been authorized by me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, Sixth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX was in XXXX  i have no knowledge of these account i demand this be removed ftc report number XXXX
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on its platform, leaving my account vulnerable and unprotected. Additionally, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused me significant inconvenience and financial harm. I am seeking appropriate redress for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

We took out a personal loan through One Main Financial in XXXX XXXX several years ago. The first loan we took out we were forced to add on an insurance type package of some sort. We then Refinanced the loan a couple years later to take out some additional funds and we're once again forced to take out an add on for something we didn't want. We were told to get the loan to add it on and then we could just cancel later. We then tried to cancel the services later and were told we couldn't cancel the add ons. We went into the office on several occasions to try and have it resolved and were told no. We gave up and continued paying our loan. Once we got towards the end of our loan of the add on charges I called the office and the corporate office and told them I had a remaining balance that equaled the add on costs and my loan should be done and they refused. I told them that I am pay interest on services and costs I didn't want and at that time I had even calculated the additional interest cost for taking out the add ons that I believe were around {$2000.00} total for just the add on. I made multiple calls arguing my case to no avail and ended up giving up. I was so mad because Ink we deep down this was so wrong on a many levels but had no way to fight the decision so paid my loan and never did business with them again. I had no choice but to pay the loan because my truck XXXX XXXX was used for collateral on the loan and I couldn't risk losing my vehicle so we were stuck and we knew they were forcing us into products we did not want and voiced it several times. Check the call logs of the XXXX XXXX location and you will surely find me on a call arguing with them. Thank you for holding them accountable. I just saw the settlement information today and it gave me such a huge sense of relief to know back then when I was arguing this with them I was not wrong. I now feel better knowing no one else will suffer these terrible practices. I'm pretty sure I posted a XXXX review calling them out as well. It's so good to see this can't happen to anyone else! At the time it was extremely stressful. Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Netcredit is a company that not interest in listening to any complaint or trying to work with the me to help because I can't pay the high amount of interest and the very little amount going towards the principle that is unfair and wrong for anybody to have to do. 
I am not trying to not pay them but I have a problem with them trying to lock me in a five year loan which they seek to collect three time the loan amount they gave me. I am a XXXX Veteran that gets a monthly check that all I have to live on for Netcredit to do this is shameful and disgraceful. PLEASE HELP..!!
Product: Credit reporting or other personal consumer reports

I believe Splash Financial has intentionally concealed critical information and potentially engaged in deceptive practices in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I applied for a personal loan through Splash Financial. My application was denied, with the adverse action notice citing " too many inquiries '' as the reason for the denial. However, my XXXX consumer report, which Splash identified as the source, shows no inquiries. This discrepancy raises significant concerns regarding the accuracy and transparency of their decision-making process. Additionally, the adverse action notice states that the decision may have been based on information obtained from a third-party service provider or affiliate other than a consumer reporting agency ( CRA ). When I requested Splash disclose the identity of this third-party provider and the nature of the information used, they failed to provide a direct answer. This omission obstructs my ability to verify or correct any inaccuracies, which is a clear violation of my rights under the FCRA. I suspect Splash Financials refusal to disclose this information is intentional, with the purpose of concealing improper practices. Furthermore, there is a possibility that this denial was not based on legitimate credit evaluation criteria but may have been part of broader deceptive or fraudulent activities, potentially including securities fraud. By withholding material information, Splash may be engaging in practices designed to mislead consumers or manipulate financial outcomes for their benefit. Key Issues : Failure to disclose the identity and details of the third-party service provider involved in the credit denial process. Misrepresentation of the reason for the denial ( " too many inquiries '' ) despite the absence of any inquiries on the referenced credit report. Potential intent to conceal improper or fraudulent practices, including the use of inaccurate or fabricated information. I request the FTC investigate Splash Financial for : Fraudulent concealment of material information. Misrepresentation of information in credit decision-making. Potential securities fraud or other deceptive financial practices. I have attached supporting documentation, including the adverse action notice, my correspondence with Splash Financial, and their inadequate response to my inquiries. I respectfully request that the FTC hold Splash Financial accountable for these violations and ensure they comply with federal regulations to protect consumers. Sincerely, XXXX XXXX XXXX All rights reserved UCC 1-308 .
Product: Debt collection

The debt was purchased and sold by multiple debt collection companies. I called the original creditor whom I owed the debt to originally and they gave me a number. They no longer hold the debt. I called and the number gave me a number because they no longer had the debt. I called 3 different numbers.This company recently aquired the debt. I have intentions to pay the debt but this is the first time I 've learned who I owe the debt to since the original loan was made. I received no calls or mail regarding the debt from 2014 until now. In 2 years I assumed it was discharged or written off by now. No it 's not on my credit report either. Anyway I verified who I was when they called and I asked for them to mail me a copy. That was 2 weeks ago. I got a call today demanding payment. I said without that paper I was n't paying and giving out payment over the phone. They emailed the copy. I said no good. I want it postmarked. I do n't want to be victim of scam or fraud. They call me multiple times demanding money and threatened court and jail. After I got off the phone a fake person called and pretended to be an investigator demanding I pay in 24hrs before law arrest me at home.
Product: Checking or savings account

On XX/XX/2017, I tried purchasing a phone with someone online for {$100.00}. The person informed me, to go to a local supermarket or deli to wire the funds. What form of payments do you want me to send the funds. The unknown person stated through XXXX XXXX. I filled out the XXXX XXXX form to send the funds to the person and used my Chase credit card. I messaged the person if the funds were received or not. The person ignored me. I messaged the person several times, if my phone was mailed off no response from that person. I was scammed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report, and not to be VERIFIED nor UPDATED. 
Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # XXXX Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card