23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Name of Collection : COLL SVC CENTER Opened : XX/XX/XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to my State Attorney General Office and The XX/XX/XXXX to have confirmation of proof if you respond without the proper validation request or not in the timeframe you have.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX several notarized letters were sent out on my behalf to XXXX, XXXX, Transunion for verification of items that were listed on my credit report. I sent these letters with return receipt asking how the items in question were indeed verified. I since have received no written response and It has passed the 45 day limitations which the law states that these items in question must be removed immediately. The items in question are as follows : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I bank through capital one and i was supposed to get paid on wednesday and oy its friday and no information was realsed until thrisay night saying they were ha ing an issue when clearly we already knew and that i got in contact again they are saying is due to an issue with 3rd vendor but they do not give no answer of when its going to be resolved they just say within a couple hours but does hours have now turn to days and now its friday night and monday is a holiday and i need my money since i live paycheck by paycheck and the worst is that my bills dont wait and am going to get over draft Helppp
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and called Experian because they have the same account listed twice, they refuse to remove the original creditor. I tried again to dispute it and it won't let me because it was already disputed. Per law, an account is not allowed to be on my credit report to ding it twice. The original account is XXXX XXXX, the collection account is XXXX XXXX XXXX. It has the same account number which is XXXX .... I want the original creditor removed. it is not right that they keep telling me they can have both accounts on there, for the same {$550.00}.
Product: Credit card or prepaid card

My Amazon Prime Store Card with Synchrony Bank was unexpectedly closed and all of my rewards points were taken from me, without warning, despite years of being a customer and never once so much as being late on a single payment. When I called, I was told that I had too many " dishonored payments on the account '' and the rep explained that when more than one payment gets returned within a 24 hour payment then the account is automatically closed. When asked, the rep couldn't even tell me which payments were " dishonored. '' She could find one, but couldn't even find a second and couldn't explain why the account would be closed. She also couldn't fix it or reinstate my points. Spending the time to go back through my statements on my own, I see that two payments were apparently returned, 11 months apart. I can't recall if this is even accurate, but the payments were fixed and made timely. This reeks of a predatory practice to eliminate customers ' rewards points for customers who aren't paying interest or otherwise creating a profit because their card is being timely paid every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account XXXX XX/XX/XXXX I received a notification from transunion that my account was reported 30 days late and charged off delinquent. I have never missed a payment my most recent payment was on its due date XX/XX/XXXX in the amount of {$30.00}. I have tried contacting the company numerous times and in result I've been told to contact the credit bureau or the reps would just end the call with no further information. 

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 Section 1026.10 ( a ) does not require the creditor to post the payment to the consumer 's account on a particular date ; the creditor is only required to credit the payment as of the date of receipt. 

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

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Product: Money transfer, virtual currency, or money service

Hello, I've used Pay Pal to pay for products / services ... They NEVER honor my request for a return of funds when products / services are not delivered. They ALWAYS side with dishonorable companies and force one to go to their personal bank to resolve .. PLEASE look into this, I thought they had to have insurance for this sort of FRAUD but they NEVER regardless of amount or incident return your money. I have things not show up, not be delivered and every time I try to resolve they either ignore the request or side unreasonably with the fraudulent company.
Product: Credit reporting or other personal consumer reports

On or about XXXX2024, I reached out to all three credit bureaus ( XXXX, XXXX, XXXX ) to dispute inaccurate information on my credit report. Upon me providing them verification they advised that my information provided was incorrect. In addition, several accounts on my credit report is not my information to include, education loans, previous addressed, cell phone vendors account, previous educational institutions. Lastly, there are several inquiries on my account for auto dealerships that I have never applied to all of which I have requested to be removed and the creditors fail to do so and take my information and update the records to reflect the information I gave so as to insinuate that the collections on the account are mine.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

TransUnion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my credit score is suffering as a result. No notice was ever given which is also a violation. I am requesting that All inquiries be removed. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX
Product: Debt collection

Called me at work -Womans tone on the phone was extremely loud. Everytime I asked for proof of the validity of the debt she kept on saying I owe the debt and we sent you stuff, I never got it told her that and then asked me where I worked. Rude ladyCalled me from a cell number - XXXX Kept on asking why ca n't I pay today. Said I was n't til I see copy of bill she refused to send me a copy. 

They call me XXXX sometimes XXXX times a day and never leave messages
Product: Vehicle loan or lease

I entered into this traction in good faith with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a result I was tricked and coerced into fraudulent agreement. Identity Theft, Securities Fraud , Insurance Fraud and Auto Dealer Fraud was committed, the power attorney forms do not have 2 witnesses on the forms, my signatures were forged or changed, and their third party company, involved, XXXX XXXX XXXX and Honda Financial Trust did not consent to in this transaction. They were presented with a 1099C and a 1099A of which I received a call from American Honda Financial Services questioning about my intentions and then they illegally possessed the car and there were 2 illegal trackers on the car. This was a Consumer transaction and all fees were included in signing of this transaction. 
From XX/XX/year> and XX/XX/year> I spoke with XXXX XXXX who was the broker from XXXX XXXX XXXX XXXX and I was told to present XXXX XXXXXXXX to XXXX XXXX to finance a XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX. I wasn't given the proper signed paperwork. None of the paperwork included a signature from the dealership or a proper description of the vehicle. The paperwork was requested multiple times and the dealership used Unfair Practices and reported to my credit report 15 U.S Code 1692F a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The purchase price is lower than the price on the contract, the features for the car were not as documented. I will mail in the copy of the contract, since it includes my personal information. Please see attached my FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to request the removal of fraudulent hard inquiries from my TransUnion credit report. I am a victim of identity theft and have recently discovered several unauthorized inquiries on my credit report. 

The following hard inquiries were made without my knowledge or consent : XXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX XXXX . ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 I have already reported these fraudulent inquiries to the credit bureaus and have taken steps to freeze my credit and monitor my accounts for any further unauthorized activity. However, I believe that the responsible parties should be held accountable for their actions. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports. In addition, the FCRA requires credit bureaus to investigate and correct any errors or fraudulent information within 30 days of receiving a dispute. 

As a victim of identity theft, I am requesting that the CFPB intervene on my behalf to ensure that these fraudulent inquiries are promptly and permanently removed from my credit report. I also request that the responsible parties be investigated and held accountable for their actions. 

I am counting on your support to help me correct this wrongful action and protect my credit score. 

Thank you for your attention to this matter. 

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

Account XXXX XXXX XXXXXXXX .... responsibility is incorrect, which EXPERIAN fraudulently continues to report in BLATANT violation of 18 U.S. Code 8 Obligation or other security of the United States defined .

The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/year>, XXXX. XXXX, XXXX XXXX. XXXX. ) THE ABOVE ACCOUNT IS AN OBLIGATION OF THE UNITED STATES.
Product: Debt collection

This is a debt the should've been paid by the insurance and the father XXXX XXXX whom is court ordered to carry insurance on the children.
Product: Debt collection

On XX/XX/year> this account was opened on my credit report. On my credit report is states that this company is THE ORIGINAL CREDITOR of this debt which is FALSE. Upon further research, I found that this account was ORIGINALLY a XXXX  account which I DID NOT OWN. I did not open a XXXX  account In XXXXXXXX XXXX XXXX  or any time prior. This information is FALSIFIED on my report.
Product: Mortgage

I closed a HELOC with US Bank on XXXX XXXX, XXXX. Prior to the closing, I requested an initial draw of {$27000.00}. Prior to the closing I was advised that the funds would be sent to me after the rescission period expired. At the closing, the mobile notary had as part of the closing package a form from US Bank confirming the loan disbursement request. 

On or about 10 days later, I called US Bank to inquire as to the status of the check and to express my concern over being charged interest on a disbursement that I had not received. I was advised to continue to wait as " the check was in the mail. '' On XXXX XXXX, XXXX, I again called the bank to inquire on the status of the check. Once again I was told to wait as the " the check was in the mail '' although I expressed concern over having received other documents from US Bank including a billing statement without having yet received the funds. I agreed to continue to wait. On XXXX XXXX, XXXX I once again called the bank. This time I was connected to a representative who told me that the issue needed to be investigated further and that she would follow up with me by email. On XXXX XXXX, XXXX I was advised that the funds were actually sent to the title company via wire and that I should get the funds from them. 

First, I feel deceived by the bank. During this entire time the bank has collected interest on a balance they claim I received. If the money was sent to the title company and I would have been properly advised of the same on my first call, then this could have been resolved with minimal interest charges.
Product: Money transfer, virtual currency, or money service

I was sent {$50.00} on Venmo on XX/XX/XXXX by my spouse. 
My bank account had not yet been manually added to my Venmo account and in attempting to do so manually instead of using their instant verification spyware called XXXX which allows that company access to my bank account balance, they froze the account and called it suspended saying I violated terms of use. I did nothing of the sort. Thereafter Venmo account specialists on XX/XX/XXXX said I could only have access to my money and my account and have the access and ability to transfer my money to a bank if I provided BOTH a photo of my government issued photo ID and a selfie of me with my government issued ID. 
This is beyond invasive and ridiculously stupid to do. They are clearly not a secure, trustworthy company. 
They are holding my money hostage unless I comply and have given me no reason for freezing and suspending my Venmo account. I have not committed any violations of Use. I have been a PayPal ( their parent company ) user since 2001
Product: Bank account or service

XX/XX/2006- noticed that banking account with SunTrust had been depleted by unauthorized transactions. Contacted bank of fraudelent charges and submitted police report the same day. SunTrust opened a fraudulent joint account ( over the phone ) with someone pretending to be me and then allowed all the money in the account to be moved out of my account in a three day time period. Have been fighting to receive our funds now for 11 days without much success. The lead investigator XXXX XXXX has not given affadavits in a timely manner and does not reply to e-mails, or phone calls in a timely fashion. We have only received XXXX affadavits regarding the case and are still missing XXXX. At this time XX/XX/XXXX ( day 11 ) no money has been replaced in the account. Recieved one case # affadavit at the end of business day Friday XX/XX/XXXX, notarized and scanned on XX/XX/XXXX and also sent certified mail on XX/XX/XXXX. Still have not had recieved any stolen money replaced into account. We hired a lawyer to help navigate and the company refuses to provide our lawyer with requested information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block Inc ) due to inadequate Customer service and unfair which violates Consumer Financial Protection Act. CASHAPP failed to take timely and effective measures to address and prevent fraud on their Platform leaving my account vulnerable and unprotected. Their resolution process was unfair and deceptive as they did not comply with error resolution requirements under the ELECTRONIC FUND TRANSFER ACT 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

This is my second 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 XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX A ) XXXX Balance : {$690.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX Balance XXXX {$690.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXXV ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$750.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$690.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking and savings account with CITI in XXXX and was supposed to have received a {$400.00} promotion bonus for leaving the funds there. I called the bank previously and they told me it would be deposited by XX/XX/XXXX. It wasn't. I sent a secure message and they have not responded in over 5 days. I called them again and they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I realized that there was a Bankruptcy   on there that was innacurate. The entry had the wrong court name, Date Paid and Date Updated. 
I mailed in a dispute to XXXX, XXXX and Experian asking them to investigate and verify this bankruptcy. 
On Friday XX/XX/XXXX I received a response from them saying the bankruptcy was verified as accurate. I did my own independent investigation and I contacted the court where the bankruptcy was filed and they stated they do not issue information to anyone about court records, especially credit reporting agencies ( See Attached Letter from Court ) The fair credit reporting act requires that original court documents be supplied by only the issuing court and not a third party. 
I found out that the information was being supplied by a third party credit reporting agency called XXXX XXXX. I contacted them and asked for information about this bankruptcy and they did not have it on their reports ( See Attached Letters from XXXX XXXX ) XXXX XXXX in a letter stated that they have filed a dispute with the three credit reporting agencies to delete the bankruptcy record but the 3 agencies have not responded. 
Essentially, the three credit reporting agencies are not interested in deleting inaccurate accounts because they are more profitable if they are left on month after month. 
This bankruptcy is not on XXXX XXXX which is where the CRA 's get there information for bankruptcies ... so if they don't have a record for it ... how is this bankruptcy " Verified as Accurate '' by XXXX, XXXX and Experian? It isn't verified because they never investigated my dispute. 
This is a violation of the Fair Credit Reporting Act and is punishable by {$1000.00} per offense. 
Action Required : Investigate this inaccurate bankruptcy and delete from XXXX, XXXX and Experian credit report. 

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

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I received notice from a creditor that someone had attempted to open an account in my name and they blocked it due to suspected fraud. I checked my credit report and found an additional inquiry from XXXX  CBNA which was not authorized by me. I did not request credit with XXXX  nor have I ever. I have never done any business with XXXX/Citibank and have never planned to. This inquiry lowered my credit score and is having a negative effect on my financials. I contacted the credit bureau directly and was told to contact XXXX/CBNA to get the inquiry removed.