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

I did not consent to, or authorize nor benefit from any of the following inquiries. Bl

ock and remove it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX XXXX XXXX Inquired on XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and experian is reporting serval duplicate inquires that I didnt do and would not remove them especially XXXX and XXXX XXXX had a freeze on my accounts and yet not being notified if Im authorizing a creditor to obtain information I want all my inquires removed especially all the doubles triple inquires I have
Product: Credit reporting or other personal consumer reports

Please get rid of these inquiries. I have no awareness of this, and the company undertook this without my consent.
Product: Debt collection

D and A Services is trying to collect a debt for XXXX XXXX that is disputed because XXXX XXXX has done to me what they did to other consumers ( Something CFPB knows about since they filed a lawsuit in XX/XX/2015 and received {>= $1,000,000} from XXXX XXXX ). 
The debt is in dispute and is not substantiated by anything other than XXXX 's dubious word ( again we know it is dubious because the XXXX CFPB filed a suit against XXXX XXXX in XX/XX/2015 and received {>= $1,000,000} from them ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports : XXXX  XXXX XXXX XXXX. Please delete this account on my file ASAP.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXXXXXX, 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: Debt collection

Resurgent Capital Services aka LNVN Funding has placed a collection account on all 3 of my credit reports for {$310.00} on XX/XX/2017 to which I have no knowledge. I have sent them a validation letter via certified USPS mail and have proof they have received it. ( copy attached ) Under the fair debt collection act as long as this item is not verified or in dispute it needs to be removed. If Resurgent/LVNV Funding can not provide the documentation asked to be provided by me this item needs to be permanently removed from my credit files immediately. 

Resurgent Capital Services is formerly known as LVNV Funding had over 445 complaints on their collection tactics and ethics with the XXXX XXXX XXXX 

This business currently has nearly 5273 complaints filed with the Consumer Financial Protection Bureau as well.
Product: Debt collection

In XXXX of XXXX, I received an alert to my credit file from a Paragon Revenue Group. It stated it was a medical debt and that I owed them {$4700.00}. I reached out to the company to tell them that this was not my debt and I was instructed that I had to pay it. The next day after talking to this company I contacted the hospital and they stated I had been in for services. I informed the young woman that I was not even in the state of Ms and she instructed me to bring the papers to her. I took the information she requested and she said that she will pull it from the company and my file. Two weeks later I received notification that the fraudulent account had been removed. On  XX/XX/XXXX, I received another notification. The same company put that same fraudulent account on my credit file again and it damaged my credit severely while I was in the process of buying a home. The account is fraudulent and the company is continuing to try to collect on an account thats not mind by damaging my credit.
Product: Credit reporting

I was victim of Identity Theft and they used my SSN to open a XXXX Account - with a {$3600.00} unpaid balance ( in collection ). I have asked Equifax and XXXX to remove the this item with no success ( in dispute since XXXX 2015 ). 
I also asked Equifax to remove another Collection issue ( caused by the same perpetrator who stole my SSN ) - Unpaid rent for {$4700.00}, in a city I have never lived in. No results to far.
Product: Payday loan, title loan, or personal loan

I purchased {$1200.00} concert tickets from XXXX on XX/XX/2021 through Affirm ( installment plan ). I was supposed to get these on XX/XX/2021 but I never did. I paid Affirm in full amount on XX/XX/2021 however I did not get the tickets at all so I disputed this with my bank. XXXX XXXX XXXX XXXX provided me with a temporary credit ( they gave my money back ) while investigating the case. Now, Affirm is saying I have an outstanding loan with them. I have been going back and forth talking to Affirm agents telling them I NEVER RECEIVED my tickets. I contacted XXXX via email ( because I can never get a hold of someone over the phone ) and they responded to me saying I should contact Affirm with any inquiries.
Product: Checking or savings account

Chase Bank has been told to not honor any electronic withdrawals from my account by  XXXX   XXXX , yet they continue to accept these illegal electronic transfers from my account by  XXXX . The most recent try was this week where  XXXX  tried to withdraw {$640.00} causing a {$400.00} shortage in my account for which  Chase  charged me an overdraft fee and a fee to stop the  XXXX  transaction. Chase has charged me a fee each month that  XXXX  has illegally tried to take money from my account and I do n't know how to stop this. I have asked them repeatedly not to honor any electronic transactions from  XXXX  but they continue to honor them and then charge me to correct their mistake.
Product: Credit reporting or other personal consumer reports

I disputed the amount shown as XXXX XXXX. I have repeatedly requested a Validation of XXXX from this XXXX. They have never been able to respond with a list of the transactions that led to the debt. All I am seeing is an amount that I have no idea where it came from. I started a dispute with Experian via mail on XX/XX/year>. On XX/XX/XXXX, they informed me that they would not remove the disputed amount from my credit report. I believe I am entitled to a full accounting of the debt. The creditor has failed to provide this accounting.
Product: Debt collection

I have disputed this debt and been unsuccessful with a response from the comp

any 1. I never received a notice of debt or right to dispute. 2. I was notified th
at creditor received NYS Covid rent relief that if this debt is a valid the debt balance should be adjusted.

I have no proof of validity of balance or adjustment
Product: Credit card or prepaid card

Macys called me and asked me was I trying to make a large purchase, I told the no! The said ok we are canceling your card and sending you a new one! A few days go by and macys called me again and asked me for a second time did a make a large purchase and again I said no! The guy then tried to send my another one and I said no cancel my account Im done with Macys because I feel it was happening internally the man tried to say my information was stolen and I informed him that out of all my credit cards Macys is the only one affected and whatevers going on is happening on their end he then advised me to report it to the credit bureau I did and the dispute was not overturned
Product: Debt collection

I was a XXXX with a friend who bought a XXXX. 
in that process he opened XXXX XXXX and needed merchant service accounts ( servicing all the credit card trasnsactions ) at all XXXX locations. I had to sign the merchant service agreements for all XXXX locations for a five yr term as his credit was n't good enough at the time. After 2 years all the stores had failed. The Merchant service company -First Data wanted me to pay for the {$540.00} a month for each store after they were closed for the remaining 3 years. I offered to send them back their equipment and told they are no longer offering any service. They wanted a settlement figuire for a substantial amount. I was trying to work out some arrangement with them so I offered a {$100.00} a month for as long as they wanted the payments to be made. They wanted some lump sum settlement and then they filed on my credit report that it was " Bad debt & placed for collection & skip ''. This is what is reported under XXXX. XXXX shows it as " Charged off as bad debt ''. 
It has caused my credit score to drop seriously.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. In compliance to 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Your agency is in violation!

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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 and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

there is a XXXX XXXX XXXX on the report which i have no clue of, I do n't recall any type of settlement,
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per XXXX XXXX XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OF XXXX CARD XXXX As well as the XXXX XXXX card if it changed at all it should reflect open It's the same Bank THIS ACCOUNT IS IM USE HEAVILY AND RECENTLY AND HAS NEVER BEEN CLOSED NOR DID I REQUEST IT TO BE. THERE WAS CLEARLY A MISCOMMUNICATION. 

I have reported this account and no one seems to understand what I'm saying. You can't update it anymore there are XXXX changes to be made BUT the only request I have.
Product: Credit card or prepaid card

Mattress Firm sent a credit card with a {$6000.00} limit to our home. We closed this account over a year ago. I entrusted them with my personal information, and they chose to abuse it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got emails from these companies and noticed that my credit file was locked at the time of these inquires. I tried disputing this with both companies as well as the credit bureaus. They keep referring me back to each other. I havent had an inquiry on my account since XXXX
Product: Debt collection

I reported to XXXX an error on my credit report for Cavalry ( XXXX ) debt collection. The error is that they are not reporting monthly payments but indicate in the comments partial payments being made. How payments are made and reported is crucial for how the credit report is reflected. Isn't scheduled payments of an agreement whether partial still a payment? Then the payments and more particularly, the amounts should be reflected regardless of the collection amount owed.
Product: Money transfer, virtual currency, or money service

Paypal won't let me add money. 

 as much I ask help.  

The representative won't help me. 


Please review video.  So paypal aware knows the issue.   Cannot be waited usually message please.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 33 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Debt collection

I am writing to formally dispute the actions of " Credence Resource XXXX, which has reported a debt on my credit report without providing me with proper notification or validation of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ). Under Section 809 of the FDCPA, a debt collector is obligated to send a written notice of the debt within XXXX days of their initial contact. However, I have not received any such notice or verification from XXXX XXXX XXXX, yet they have reported this alleged debt to the credit bureaus, causing significant harm to my credit standing. I respectfully request that the CFPB investigate this matter and compel the collection company to remove the inaccurate entry from my credit report immediately and follow the law to collect properly. They reported to the credit Bureau and their phone number is not listed on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen at a store while I was shopping. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letter after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There is years after years of open account and closed accounts. There is way too many fraudulent accounts open that I am not near familiar with. These accounts are not mine. Please remove. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX   XXXX {$18000.00} XXXX   XXXX {$4100.00} XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$1700.00} XXXX/XXXX   XXXX {$2200.00} XXXX/XXXX XXXX {$1100.00} XXXX XXXX/XXXX   XXXX {$810.00} XXXX/XXXX XXXX {$500.00} XXXX   XXXX {$6200.00} XXXX   XXXX {$3200.00} DPT ED/XXXX XXXX {$5700.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX   XXXX XXXX {$4200.00} XXXX   XXXX {$2000.00} DPT ED/XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX/XXXX XXXX {$0.00} XXXX/XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$2200.00}
Product: Debt collection

received on XX/XX/XXXX letter dated XX/XX/XXXX stating i owed {$1600.00} from XXXX XXXX XXXX.original creditor XXXX XXXX XXXX # XXXX.this is not my account.i sent a letter of dispute XX/XX/XXXX i have received no response to date XX/XX/XXXX.
Product: Mortgage

On XX/XX/XXXX l contacted lender by my cell phone number XXXX Lender at around XXXX Texas time to make a payment of {$1200.00} principal and interest.as what l can afford. 
Lender refuses to accept the payment and escalated the process to foreclose my home, because of my filed complaints with Federal Government since XX/XX/XXXX and present because of lender VA Loan frauds. 
By foreclosing my home, it would benefit lender so they dont have to hear from me anymore. 
I am going through a VA Loan Modification since XX/XX/XXXX and all documents was provide it, even though Texas has non disclosure law. 
Now, Lender stating there is document that is missing. 
On XX/XX/XXXX, in a response to Federal Government, lender stated that they no further documents is needed it and they was still working on my VA Loan modification. 
Now on XX/XX/XXXX, lender Rep stated Foreclosure had been escalated and l will be forced out my house with Texas Sheriff and Court. 
Lender wants me to pay {$7500.00} and in collection. 
Lender wants to collect {$7500.00} and Foreclose my home.immediately. 
I am XXXX and XXXX. 
I am going through agony and sadness because of my family in XXXX, XXXX as l explain to lender, but lender doesnt care and lender law firm is making preparation to foreclose my home. 
Urgent Matters.
Product: Credit card

I took out financing for home appliances through a website named " XXXX XXXX '' in late XXXX. The financing was apparently through COMENITY bank and I never received anything in the mail or in email about setting an account up online. So when first payment became due they'd called me to collect and had to set up XXXX payments with my authorization. In late XXXX of XXXX I experienced fraud on my bank account and so XXXX  XXXX XXXX shut down the account and opened a new one which then meant my accounts all needed payment info updated. Being that my payment due in XXXX wasn't going to come out of the account i called in early XXXX  just before being 30 days late and i submitted XXXX payments and the agent apologized for what i was experiencing, told me not to worry she'd authorize XXXX more payments with the new account. 

After the next XXXX payments went through i called Comenity again in XXXX of XXXX and the agent informed me my account had been put into collections for XXXX consecutive late payments. I was dumbfounded because it was a Comenity agent who'd scheduled the payments to be charged and they'd been paid from my account. The agent said payments were due on the XXXX of each month and i'd been paying on the XXXX. I said I gave her authorization to charge the account and it was their fault if she intentionally scheduled me to be late. 

I told her i would need to speak to someone before i began making payments again because i was not about to allow them to destroy my credit over their own malicious actions. I next spoke to them in XXXX when i called in to figure out if they were putting this on my credit. They told me no they were not but are now jacking my interest from 0 % to 27 % making it so my original balance of XXXX is now up to XXXX even though i've paid more than XXXX to the account. I'll pay the remaining XXXX due in a heart beat to get them out of my lives. Ive requested the ability to set up auto pay at least 5 times and never received the credit card i was told i needed to do so. These people are predators, they intentionally set me up to be slammed with insane interest based on their own predatory actions.
Product: Debt collection

I tried multiple times to reach out to get this debit removed that was not mine.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balanced {$15000.00}
Product: Checking or savings account

Hi I opened a chase account to deposit my XXXX XXXX XXXX XXXX  after I deposited my 2 settlement checks into my checking account the total amount cleared was XXXXXXXX XXXX  into my checking account. Ive also opened a savings account and deposited my second check in the amount of XXXXXXXX XXXX and was told that the money should clear within 3 days. I opened my checking account on Monday XX/XX/year>. After spending nearly the XXXX XXXX  in my account I was contacted by Chase via email that the funds in my account has been returned by sender. My checking account was then negative XXXXXXXX XXXX that they cleared for me to have. And they took thee XXXX that I had in my savings account as well. Upon speaking to my lawyer she had contacted the attorney of the dentist that provided me a settlement check to see if they can make another deposit of a cashiers check to put my funds back into my account. By wendsay XX/XX/year> the dentist made a cashiers check out to me that cleared one again and all of my funds where back into my account. By XX/XX/XXXX I was making XXXX payment to my grandmother that was flagged for fraud and they closed my account for fraudulent reasons when a cashier check had just been deposited into my account prior before. I have called chase multiple times and yet no response as to if Im getting the remaining balance in my account. I have been told multiple times that they have closed my account and I will not receive the funds that are rightfully mine. Chase has made a mistake and closed my account for no reason at all.