23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations see the ftc : remove : all on it please and the accounts attached to it : XXXX  XXXX XXXX {$13000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan
Product: Money transfer, virtual currency, or money service

XXXX XXXXXXXX XXXX : 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 to fraud on their platform, leaving my account 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 redress for these violations.
Product: Debt collection

Equifax Account type- Collection Account Status- Closed Date Opened- XXXX/2014 Payment Status- Unpaid Amount- {$290.00} This is an OLD account that should have fallen off my credit report and it was handled years ago in a dispute. The case was paid by my insurance and verified YEARS AGO. Both XXXX and XXXX are no longer show this on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account that appears on my credit report, listed under account number XXXX XXXXXXXX This account was fraudulently opened in my name, and I believe the reported charge-off status is both inaccurate and damaging to my credit standing. 

I request that you immediately conduct a full investigation into the fraudulent activity associated with this account. Due to the fraudulent nature of the charge-off, I also request that you provide me with a 1099-C form, as I believe this charge-off should have been reported as canceled debt.

Additionally, the continued inaccuracy of this information is causing significant harm to my financial reputation and violates provisions under the Fair Credit Reporting Act. As a result of these inaccuracies, I intend to pursue statutory damages as permitted under the law for any harm caused by your reporting of this erroneous account. 

Please confirm the removal of this account from my credit report and provide the requested 1099-C form. I expect a prompt resolution and look forward to hearing back from you regarding the steps you will take to correct this matter.

Thank you for your immediate attention to this issue. 

Sincerely,
Product: Money transfer, virtual currency, or money service

Hello, Im a coinbase user. Two months ago my account was locked and now I just see a message that say " your account is in revision ''. I have about XXXX which Im not able to withdraw from the account, neither buy or sell my virtual coins. I have sent many mails but they don't give me any response.
Product: Debt collection

Brown Law , PLLC collecting on behalf of XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, Tx. 
Phone : XXXXContact initiated by phone on XX/XX/XXXX, missed call, voicemail left by caller. 

Call contact on XX/XX/XXXX I recorded a call from XXXX XXXX, I would not verify information ; was told " I 'll tell them you wo n't cooperate '' then XXXX XXXX hung up. 

Call contact to my mother on XX/XX/XXXX as well as a voicemail on the same day. 

Call contact to me on XX/XX/XXXX, missed callCall contact on XX/XX/XXXX I recorded asking them to send it to me in writing and informing them of the 5 day requirement that had already begun ... caller was XXXX XXXX. 

Written letter dated XXXX/XXXX/15 received from Brown Law , PLLC on XX/XX/2015Response sent return receipt on XXXX/XXXX/15 informing to cease contact except in writing to me ; sent to PO Box as well as physical address. 

USPS website screenshot showing delivery on XX/XX/2015Return receipt received XXXX/XXXX/2015 bearing signature as well as the date of XXXX/XXXX/2015 with service upon physical address. 

Call contact on XX/XX/XXXX, XXXX XXXX the caller, I recorded informing them of a violation of the FDCPA to which they responded they had no record of the letter even though I explained I had a return receipt showing delivery of XX/XX/XXXX 

At some point this company may have also contacted my wife. I will pull our bill and locate their number XXXX. 

As of XXXX/XXXX/2015 this company has not signed for the return receipt in their PO Box which was available for pickup on XXXX/XXXX/2015 according to the USPS tracking website. I believe this is done to continue to harass consumers. 

i have retained screenshots of the missed call log, the bills showing their calls, recorded conversations uploaded to the cloud, a copy of their letter as well as the envelope, the return receipt, screenshots of the USPS website for tracking and delivery, and a copy of the letter that I sent. I will obtain a copy of my credit report as well as I suspect they are in violation of the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. 

As such, this company is now harassing me for a debt they have yet to validate in any manner. They have broken multiple regulations in the FDCPA in an effort to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX XXXX I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.
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 unde

r 15 USC 1681. 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, credit repair services, or other personal consumer reports

On XXXX XXXX/2017 had credit report ran to refinance mortgage loan and was told, on my credit report showing a balance of {$90.00} sent to credit Management LP for collection. I called credit management to find out the source of the credit and was told XXXX or XXXX XXXX, and my option is to pay and resolve the situation. I do not owe to XXXX or XXXX XXXX. I am not aware of any transaction or signed contract with the company showing on my credit report.
Product: Checking or savings account

I was a wells Fargo customer and someone took money out of my account. I had XXXX in there and the people who took my money overdraft my account by thousands. I called as soon as the fraud happen and the merchant stayed I was responsible cause I applied for some thing and thats how they may have received my information. they kept tacking on fees and closed my account. I tried to talk to a manager they would not allow me. I am very upset as they took my money and closed my account and put this on my credit. Every one I talked to kept saying i had to talk to another person and just kept passing me around. I thought I had protected myself when as soon as I seen the account being attacked I called.
Product: Debt collection

Sometime last year, I was contacted by Radius Global Solution about an alleged debt from XXXX from years prior. XXXX is a blood testing lab. 

I told Radius that I was unaware of the debt and that any/all lab work would have been sent to our health insurance company and handled that way. I asked for itemized details of the debt to sent to me.

I have not received anything from Radius as far as a collection letter, itemized bill, date of service, or any other details of this so-called debt. I also haven't heard from them. 

I got an email from from XXXX XXXX XX/XX/year> that there was a negative change to my credit report. I started investigating the issue and found that Radius Global Solutions put the negative change on my credit with XXXX. 

I immediately disputed this negative change on my report for investigation ... explaining to XXXX that I never received written notice from Radius and I have no itemized details of this debt as required by law. 

Recently, XXXX has updated the dispute saying the dispute is verified as accurate. I don't even know what that means. I still don't have anything in writing from Radius or XXXX itemizing the details of this bill and telling me what it is for ( ie what physician ordered blood work, date of appointment, what was ordered and charged, when it was billed to the insurance company, any bills from the provider, notice of collection, etc ). 

I know I have certain rights as a consume from fraudulent billing or mistaken identity, etc. I need a statement in writing with my name and mailing info, itemization of bill, proper information as to how to dispute a debt, deadlines, etc. I have nothing in writing from Radius, so I really don't have enough info to properly investigate or dispute this debt.
Product: Credit card or prepaid card

I have a Synchrony Bank " CareCredit Card. '' This card offers a deferred period where if paid by a certain date, you will not pay interest. If not paid by this date, interest will be accrued retroactively to the date of purchase. 

In this particular instance, I had 2 separate transactions on 2 separate dates. However, they both had the same promotional deadline of XX/XX/19. The oldest of the 2 was the largest and all payments made were applied to this transaction until the last two payment, Synchrony then applied the last 2 to the second purchase. This left a balance on the larger purchase ... effectively making me responsible for the retroactive interest that was the highest. 

After over an hour on the phone and having to exert much force, Synchrony rectified this. They told me that this was done for my benefit since it appeared that I would not have the larger balance paid off, it was better to at least pay off the smaller of the two. I don't buy this for a minute and feel that this is a very underhanded tactic to extract the most interest possible. I only caught this when I went on line to see the balance that was remaining on the larger purchase, as I have every intent to satisfy this balance by the deadline. 

I think the actions of Synchrony is criminal and should be investigated!
Product: Debt collection

They will not quit calling my wife and I as well as my employer by phone, but we have yet to receive anything in the mail from this company. How do I know it is legitimate without that information?
Product: Checking or savings account

I was with bank of the west for years and they were acquired by BMO. Around XX/XX/year> they froze my account due to a large deposit I made. Not just the check, my entire account. I can not log in to my mobile banking to moniter. Ive went to the branch several times, and they told me to call the fraud department. When I call them, they act as if nothings wrong and they cant find my information regarding the freeze. They never gave me a case number, so its impossible for me to have any point of reference when I try to do anything. They keep giving me the run around. My concern is that some of the payments I made did go through which I only know about from going to the branch- so this freeze isnt all that secure. I cant see anything, and their customer service seems to have zero communication between each department. The few times I did manage to get a hold of someone that seemed like they could be of any help, theyd ask me a question about what seemed to be a random transaction. They would then tell me that my bank is off hold and I have access. When I would try to use my debit card, it would still decline and I still have no way of accessing online banking. At this point I just want to pull my money out, because Ive seen this happen to a lot of others that bank here. 

They havent communicated with me at all, every time I have spoken to someone is because I attempted contact. Im building up payment reversal and interest fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX who is reported on all three of my credit reports, several times through phone via the XXXX they provided on their website, in regard to a account/contract they alleged I owed in the amount of {$460.00}. I have asked in good faith, and according to the FCRA 15 U.S. Code 1692g for the original creditor and paperwork/contract of what I illegelly owe. Furthermore, the account is well out of the statute of limitations, so they can't even legally collect on it anyway. They are destroying my credit with this fraudulent listing, of all three credit agencies XXXX, XXXX, Transunion and are refusing to remove it, even though it is illegitimate and illegal of them to continue to report on this, and continue to harrass me about an alleged debit. Which is also another violation per the FCRA as well as per the Protection from harassment Act 1997. 
Finally, they are also not a licensed debt collector in my state, and couldn't even legally collect if they wanted to, which they can't. This company also has several lawsuits against them as they are known for there illegal pratices with consumers. Your urgent attention to this matter is greatly appreciated`.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX Balance Owed : {$220.00} XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX************** Balance Owed : {$740.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$290.00} XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/2018 Reference # : XXXX
Product: Student loan

I had Great Lakes as a servicer for my loan and it transferred to Nelnet. I applied for the SAVE program XX/XX/XXXX directly through through the federal government and was told it would be under XXXX dollars. I also connected my IRS account to my loan and provided my work pay stubs. It has been MONTHS and my previous payment was exactly the same as Nelnet has it now. So they illegally sat on my SAVE application and did nothing to process it. Now it says payment due of {$670.00} and it is wrong. I will not tolerate the scam and con Nelnet is doing as they are doing it to thousands of people which is all over the Internet to see. Nelnet always is problematic company and this is why I DID NOT WANT THEM SERVICING MY LOAN and as a person with a XXXX I am holding them accountable for their disgusting behavior. They never answer the phone and I am not sitting on hold for XXXX HOURS with their terrible customer service as a person with XXXX as it causes severe stress and can trigger a XXXX. I demand Nelnet process my SAVE application immediately and put the payment at what the federal government said it would be. I am not suffering damages on my credit because Nelnet wants to pull a con and has slow and terrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX XXXX I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am filing complaints against XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is indeed accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit report reporting act ( FCRA ) 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian and XXXX may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceedings. Please remove all accounts
Product: Debt collection

Aldous & Associates - XXXX I want this deleted OFF of my credit report - no longer adverse information Creditor has failed to comply with 15 U.S. Code 1681 is part of the Fair Credit Reporting Act ( FCRA ) to the reporting agencies. Failure to provide fair and accurate credit reporting to the efficiency of the banking system and public confidence. The FCRA aims to ensure that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce while being fair and equitable to consumers, particularly regarding the confidentiality, accuracy, relevancy, and proper use of consumer information.