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

Please Remove and Delete these accounts immediately as they were opened fraudulently without a valid written signature of the original contract. I never had a contract with these debt collectors for any debt. Please provide proof from the original creditors that these debt collectors own these debts with the purchase agreement and have the legal authority to collect it or delete these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in advance for your cooperation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX once again did a so called investigation on an account that isn't mine. Every time I try to reach someone to get proof of how they validated these accounts I'm told the person reporting provided it but I'm not entitled. The amount is almost XXXX XXXX to a hospital I've never even been to. They did one day investigating, and somehow decided it's valid.
Product: Debt collection

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of id. theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL ject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX2022 ; XXXX XXXX2022 XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX2022 ; XXXX XXXX/2022 XXXX XXXX XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX/2022.
Product: Debt collection

I was offered a price of {$65.00} ( including shipping ) for two swimsuits purchased from " XXXXXXXX XXXX XXXXXXXX, '' if I opened a credit card with them. The swimsuits were returned ; but the first statement arrived with a balance of {$75.00} -- not {$65.00} Several days and hours-per-call later, I have not been able to get the matter resolved -- different persons at Comenity give different nonsensical answers then transfer me to someone else to begin the cycle again. On XX/XX/23 after over 10-minute discussion with XXXX, he transfered me to the " dispute dept. '' where XXXX said he would close the account ( per my request ) but the late fees and interest charges would remain. On XX/XX/23 at about XXXXXXXX XXXX., I answered a call from " XXXX '' who demanded payment on a balance in excess of {$88.00}. She was told I would not be paying that outrageous disputed balance. Over the past two weeks I have received 5 or more calls DAILY from Comenity. I have sent a letter and email requesting they stop by they persist. The original balance was incorrect and getting a correction was impossible. They even continued with late fees and interest charges AFTER I told them to close the account. 

Now they have even placed negative reports on my credit rating.
Product: Debt collection

LVNV Funding LLC Parked an illegal debt collection on my consumer reports account # XXXX and account # XXXX with out giving me notice that i have the right to dispute the debt? no notices at all. LVNV Funding LLC decided for me. Just parked an allege debt collection.
Product: Checking or savings account

I received my EIDL loan, and grant of XXXX into my personal account on XX/XX/XXXX. XX/XX/XXXX Citibank froze my account. They informed me they would investigate. They closed my account XX/XX/XXXX. As of today they havent sent any of my funds back to the SBA
Product: Money transfer, virtual currency, or money service

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 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
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. 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 ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided 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 Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX U.S. Bankruptcy Court Reference # XXXX XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX 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 XXXXRD XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. This account was never late XXXX XXXX Account XXXX : XXXX the following status incorrect and incomplete and its reporting inaccurate balances XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Mistaken Identity XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. This account is not in compliance per the FCRA due the reporting of unverified and Incomplete balances XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Money transfer, virtual currency, or money service

Did not properly disclose problems with XXXX app. During transactions or transfers of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.Despite my three previous requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re- investigations, you stated that you " verified '' that these items are being " reported correctly ''? You still have not identified WHO in your COMPANY VERIFIED the accuracy of these accounts or HOW they verified them? I 've yet to have received a SIGNED contract between me and the alleged company. As previously pointed out to you, XXXX XXXX Dictionary,  6th Edition, XX/XX/XXXX, defines " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party ''. At this time your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this this they must have 1st hand knowledge of the alleged account ( s ) and all that has transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you ca n't properly " Verify '' the accuracy of any of the disputed accounts. Please be advised that Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section617 if the UNVERIFIED items listed below are not deleted within 10 days. A copy of this complaint along with the three others will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with the Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all the unverified accounts listed below immediately & provide me with a copy of updated and corrected credit report showing that these items have been deleted.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

They closed my account back in XX/XX/2022 and have still been charging me cash advances fees when Im not taking out cash advances fees. After my account was closed I still tried paying monthly payments but that monthly payments are still getting deducted from cash advance fees when Im not taking cash advances
Product: Credit reporting

I submitted a dispute with Experian after seeing a XXXX on my XXXX XXXX personal loan account, after calling XXXX XXXX they reported a XXXX late occurred between XXXX and XXXX but could not provide specifics. when I contacted Experian to have this derogatory item removed they stated it was reported accurately with no proof of action.
Product: Debt collection

Company - Portfolio Recovery Associates, LLC Acct # XXXX I have sent this company 3 letters trying to get this debt validated with my signature. They sent me a print out of an old bill which is not validation per fair credit laws and Attorney XXXX XXXX XXXX. I received a letter from this company on XX/XX/XXXX stating 15 fair credit reporting act U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( ii ), frivolous or irrelevant dispute and stating they will no longer investigate my dispute. The company also changed the amount from {$460.00} to {$660.00} which they were reporting to the credit agencies. I have the letter with the 2 different amounts on from the company. 

Portfolio Recovery Associates, LLC, will not follow the Fair Credit Laws to when it comes to people trying to establish validation of a debt and then increase the amount. This company must think people do n't know their rights or do research or keep documents when trying to get validation of a debt. 

Very Angry Person
Product: Money transfers

my personal checking account was hacked and all my funds were transferred to someone else account without my knowledge or authorization.
Product: Mortgage

My name is XXXX XXXX XXXX, XXXX with the United States XXXX, and I fell behind my Mortgage Payments after an expensive bitter divorce. I applied for a Loan Modification while I was XXXX, and my Lender Wells Fargo offered a Loan Modification on XX/XX/XXXX. I negotiated while XXXX, by phone and mail, and now feel that my Lender did not offer me the best options or provide me with the proper guidance, but rather looked at my income that increases while in XXXX, and now reduced as I am nearing my retirement and assign to XXXX. 
I have requested a re-Modification to consider my current financials for over a year and have been toss around to different Specialists, whom are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX and each one have asked for different documentations with no one taking my calls or that of my Third-Party Representative to provide any status on my Request. 
Nearing my Retirement of over twenty years, I want to remain in my home, and simply ask for a revaluation of the Modification for a 30 year term instead of the 15 year term that I was encouraged to accept. As professional Mortgage Lender, I should have been given the best options, after being encourage to " do it yourself '' rather than use a Third-Party.
Product: Credit card

I was a guest at the XXXX XXXX XXXX from XX/XX/year> to XX/XX/year> for with a group for a wedding taking place at the XXXX on XX/XX/year>. This trip was prepaid. On the evening of XX/XX/XXXX, I was walking from the lobby to the pool/beach area. On the upper section of stairs, I slipped ( stairs were wet ) and lost my balance which caused me to fall into a glass banister approximately 50 foot up. The glass cracked and fell below. I had to grab a banner which was hanging to prevent myself from going over and falling to the first floor as well likely XXXX. I was dazed from hitting my head and hip. Friends came out and attended to me. I was very sore and walking with a limp. I ended up returning to my room for the evening. A brand-new phone in my pocket also completely scattered. Two days later on Friday XX/XX/XXXX, I discovered my room was locked and my key was no longer working. I proceeded to the front desk which the attendant rudely grabbed my keycard from my hand and was told to step aside and wait for the manager. The manager ( lady ) came out and pulled me over to a side desk. First, she apologized for the incident and asked how I was feeling. I said sore and my walk was affected, she apologized again. She then said the reason the keycards were shut off was the glass was expensive and if I wanted to get back into my room to access my belongings and finish my stay in the resort, I would need to pay them {$1000.00} USD. My debit was charged and the room key re-activated. This is Fraud and Extortion! 

My bank PNC Bank continues to deny the dispute and supports this extortion. My signature is forged on the slip provided.
Product: Debt collection

World Finance in XXXX Texas contacted me for a settlement on a loan. I paid the amount and got the confirmation number. Then it went into collection anyway with the full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit profile ive noticed alot of unauthorized information that is hindering my credit report with transunion. please update the files correctly asap.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting XXXX Account Charged Off and Sold I am writing to formally dispute an inaccurate entry on my credit report regarding my XXXX  account, which was charged off and sold to XXXX  collection agency, yet it still reflects an outstanding balance of {$70.00} under the original creditor. The account number is not listed on my credit report, making it difficult to verify the accuracy of the reporting. 

Basis for My Dispute : According to the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must report accurate and complete data. Since XXXX charged off and sold the account, they no longer own the debt and should not be reporting a balance. Once an account is sold, the original creditor must update the balance to {$0.00} and reflect that the account was transferred.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or incomplete information on my credit file, and the credit bureau must conduct an investigation within 30 days. 

Requested Action : I request that you investigate and correct this reporting error immediately by removing the inaccurate entry entirely if verification can not be completed. 

Please provide me with the results of your investigation in writing. If this information is not corrected, I am prepared to escalate this matter, as inaccurate reporting can have a direct negative impact on my creditworthiness. 

Thank you for your time and attention to this matter. I appreciate your prompt response. 

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

In accordance with the Fair Credit Reporting Act Collections Account XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report I have 14 hard inquiries that i didnt authorize nor give permission to pull my credit and I would like to have them deleted immediately as it is affecting my credit score to get credit cards and other loans!!!
Product: Money transfer, virtual currency, or money service

Cash app closed my acct didnt let me no dont have a reason or anything with my money on there.. their fraud
Product: Credit card

While shopping at Best Buy, I had applied to re-open my lapsed line of credit with them. I entered my social security number, date of birth, and name, and provided my Massachusetts state-issued driver 's license. The clerk at the store then proceeded to apply for the card in my father 's name with his email address attached because I used the family 's store rewards account to complete the purchase. The due date and payment cycle information were not disclosed to me at the time of the sale. 

Following this, I received a card in the wrong name, but never received an accompanying statement. Because the card was issued incorrectly with an incorrect name and email address was attached to the account, I wasn't able to establish online access to view my information. I never received any statements for the account either. I called the cardholder services number to make a payment and request that my information be changed. Per their instructions, I sent them a notarized letter with my requested corrections and a copy of my driver 's license. After receiving a card with the correct name and confirming that the email address on the account was finally corrected, I was still unable to set up online access with the same error code of being " unable to set it up at this time, '' with a note that they will lock my card for online setup after too many incorrect attempts. I had already confirmed with a representative when I called that my card was not locked for sign up and made a payment over the phone. The due date was, once again, not mentioned. 

I only received a statement for this account with my due date after a {$30.00} late charge for non-payment had already been assessed. This account has been nothing but a hassle to attempt to maintain. Their services are subpar and their support is virtually nonexistent.