23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, Im shocked, surprised, stressed out both physically and mentally to find this XXXX  collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Debt collection

I received a letter from the Debt Relief Center, with a PO BOX address in XXXX, AZ. It says that I owe $ XXXX, and they are a collection agency on behalf of my creditors. They are offering a payment plan, and this is my second notice ( I dont think I received a first notice ). 
They ask me to call XXXX. 

I dont think I have any outstanding debts, my Credit Cards are managed, I have ID protections. Unless my info was sold on the the deep web, and used to create a parallel life, I believe this is a SCAM.
Product: Credit reporting or other personal consumer reports

This account illegally reported malicious late fees on my credit report when I was XXXX XXXX XXXX XXXX XXXX I was in the XXXX from XXXX XXXX to XXXX and I let them know that they have no sympathy. They had no sympathy and they dont care they keep arguing with me over the phone. This should not be on my credit report at all, please delete this information
Product: Payday loan, title loan, or personal loan

I borrowed {$1100.00} on XX/XX/2020 they are charging me {$3600.00} which amounts to 412 % interest. I had no idea, they would charge this much I am a XXXX year old veteran on fixed income. What can be done?
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Experian XX/XX/2021 disputing innacuracies of multiple names, mispelling of names, and addresses that does not belong to me on my Experian credit reporting. There is also a fraud alert placed that seems to never stay on my credit. It has been over 30 days and i still not have recieved a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$5900.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$1600.00} ; XXXX XXXX Balance : {$150.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX  XXXX Balance : {$190.00} ; XXXX  XXXX Balance : {$85.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$520.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$590.00} ; XXXX  XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$74.00} ; XXXX  XXXX Balance : {$85.00} ; XXXX  XXXX Balance : {$75.00} ; XXXX XXXX Balance : {$27000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/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 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 XXXXXX/XX/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 violate the Consumer Financial Protection Act ( CFPA ). 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 unfairind decen le, as theo, did not comply with error resoution 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : 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. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 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 other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information and accounts that are reporting on my credit file that does not belong me. Please assist me in getting these items removed : XXXX  ( reporting 3 times ) on Transunion XXXX - XXXX, Transunion, XXXX  XXXX XXXX - Transunion These accounts are reporting due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX**** Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Choice Recovery Inc is reporting a debt on my credit report for {$170.00}. 
This agency is not licensed to collect in my state. 
I disputed this with XXXX and they did not remove the account.
Product: Debt collection

I have put in for disputes I recently XX/XX/XXXX Have received a call from my parents home about being served papers of a court summons dates XX/XX/XXXX Not giving me the proper timing to respond This has shown on my credit report by two different collectors I  have no idea the debt their collecting And frankly feel like their fraudulently doing this ... 


Last year XXXX XXXX XXXX asked me to pay a large lump sum through some account I did and its still on my report after sending XXXX  two years ago its still there .... 

So this makes me feel like this maybe something similar that their trying to pocket money for a sycophany bank I do not recall any loans from this bank
Product: Vehicle loan or lease

I have reached out to the company Consumer Portfolio Services, to work with me because I am stuck in a loan payment I can not afford, especially since my husband 's health has failed. I have tried selling vehicle to get out from under the debt and refinance to lower payment, but the vehicle was sold to me for XXXX dollars more than it is valued. I have been in touch with them and they say they are working with me and making arrangements and then they go and call my family and friends and call me through my work number when I am not not taking their calls. This is very bad customer service tactics.
Product: Checking or savings account

o On XX/XX/XXXX Bank of America had decided to close down my savings account o Between XX/XX/XXXX to XX/XX/XXXX, I have contacted both the Branch of Bank of America and via phone, finally was able to reach their customer service and fraud department, who was unable / willing to provide any reasons or remedy for correcting this false information. 
o Bank of America reported me for Suspected Fraud Activity via XXXX and refused to provide any basis for such conclusion despite several attempts by me to request for information or provide any required information. 
o I have never been involved in any fraud nor have ever used my bank accounts as a means for any fraudulent activities, anywhere at any time. 
o To my knowledge, my account was never used by any third party as a means of fraud or fraudulent activities. 

See further details in the attachment.
Product: Debt collection

I settled my debt and received a letter from the bank who I owed the debt to. The letter dated XX/XX/2019 shows settled in full. However, I continue to receive debt collection notices from ERC. I called and advised them my debt was paid in XX/XX/2019 and yet received another attempt to collect this debt notice XX/XX/2019. I emailed the company XX/XX/2019 again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX. I have ABSOLUTY NO contract with Cain and Weiner Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 trying to dispute late payment on my mortgage company loan care, try multiple times to disputet, but loan care wont except it, said it was accurate stating in the letter, they had the funding in reserve on hold for three months and then charge me a late fee, they never notified, I constantly call. also, I had a third-party XXXX infrastructure aid that was paying my mortgage payment for those three months, due to healthcare issues. They received it through mail to the US postal with tracking number, They received it through mail to the US postal with tracking number, but the payment is still late, also I paid a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : ALLY FINCL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card or prepaid card

I have had my TJ Maxx credit card since 2016. I have always paid it. Over the last 4 years, Synchrony Bank ( the company over the card ) has decreased my credit limit because of their policy on random credit report checks. I haven't said anything regarding any of that over the years. Now, 2 months ago, in XXXX, I paid off the remaining balance that I owed on that card ( it wasn't past due at all ), totally approximately {$150.00}. Two days later, unknown to me, they close my account. I don't find out until mid-XXXX when I tried to use my card, assuming I had my whole balance available. I called and spoke with a representative and she said that when they checked my credit, my score was low, so they closed the account. Now, I have 2 other accounts with Synchrony bank as well, XXXX  credit card and Victoria Secret credit card. I went thru and checked the activity on those accounts and noticed that they decreased my limit on those cards. I filed a XXXX  complaint and the company said, " they reserve the right '' to do that and that they would not be seeking a resolution. My issue is this, WHY, out of 3 accounts, did they close the one that I didn't owe money on?? Why not close the other card accounts as well? And HOW is that even ethical?! When I spoke to the representative, she said the account was closed TWO DAYS after they posted my payment, paying the balance off. They claimed to have sent me a letter stating what they were doing, but I never received any such letter and have had issues receiving correspondence from that company in the past. Of course, they claim to have sent it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home mortgage today at 2 banks XXXX XXXX XXXX  and XXXX XXXX XXXX and was denied. I found out from XXXX XXXX bank that the reason was my low credit score XXXX, which they obtained from XXXX. Prior to applying for the mortgage loan, on the same day, I checked my credit scores from 3 credit reporting agencies ( XXXX XXXX, and XXXX  ). From XXXX, my credit score was XXXX. 

I called XXXX  and asked about the the discrepancy and was told that the problem is likely the third party company, CoreLogic Credco LLC ( XXXX XXXX XXXX, that reported my credit score to the bank. So I called CoreLogic Credco and after a very extensive hold, I was told by a customer service agent that the the score came from Fair Isaac ( FICO ), and there was nothing for them to fix. I then contacted XXXX XXXX about the discrepancy and was told that there was nothing that they can do and I needed to resolve the credit score discrepancy for any reconsideration of a mortgage loan and will need to submit another application.

Attached are my credit score from XXXX website, which I had to pay $ XXXXmonth subscription to obtain the credit score, indicating XXXX score and a letter from XXXX XXXX XXXX which I was able to electronically obtain, showing XXXX score and XXXX  as the source of the info. The letter also states Credco LLC as another credit info source.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX  XXXX XXXX {$58.00} XXXX XXXX XXXX {$950.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX {$260.00} XXXX  XXXX {$130.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit card

When making online, through personal bank, payments to my XXXX mother 's Walmart/Synchrony credit card account ( 9 payments in 6 months ) I opened her latest bill/statement to see a late fee, and another for this month. After calling customer service, basically I was told some of the payments were made too early. No wonder Walmart and the credit card companies continue to rack up huge profits. I do not have this issue with my accounts and am wondering if this is appropriate way of business.
Product: Credit card or prepaid card

I do not remember the date. But I was trying to update my last name because I got married. The agent told me I had to send a copy of my driver 's license and my full card numbers in the mail. Where someone else could get a hold of them. Where I could be at risk for identity theft. Otherwise I would have to fax everything over. No customer I know has a fax machine at home. Capital One is making it difficult to update a name, which should not be the case because women get married all the time. Pretty sure it is a violation of law : Consumer Privacy Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting a late payment for XXXX in the Account Summary of my credit profile ; however this has been corrected on TransUnion, and it had to come from XXXX, so why is Experian talking about they are still working the issue. I in the process of buying a house and will held account for the negative information display which is not correct. 

Please see attachment from XXXX as well.
Product: Debt collection

There are two collections that have recently appeared on my credit report this XXXX and XX/XX/XXXX, these are due to fraud and identity theft. Both collections are XXXX  years and XXXX  months old. I can see that one of the collections is from a Credit Card with Victoria Secret that was closed in XXXX and reopened fraudulently in XXXX. A credit statement was sent to me which I disputed because it was not me that opened that account. I froze my credit because soon after I had calls for home loans and bank accounts trying to be opened under my name in California. These identity theft and fraud collections have never appeared on my credit report until now.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CAPITAL ONE/XXXX company is currently showing 60 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.