23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not know the dates but it is XXXX that is on my credit. I will not be paying for an account i didn't open. Please send me valid contract with the company. JEFFERSON CAPITAL SYSTEM decided to purchase this account from XXXX and harrass me to collect something I don't owe
Product: Credit reporting or other personal consumer reports

This XXXX XXXX  company I don't know what it is. XXXX and XXXX removed it off my credit report because it was not validated with them I was told by both of them and it was not validated to me by providing me validation of debt. I've requested it in writing I requested it over the phone I have requested it in multiple ways and have not received it. I do not know what this is for and I need to know what it is for. Until that it happens it must be removed from my credit report. TransUnion must remove it. CFPB keeps marking this as a duplicate complaint and it will be a duplicate complaint if things are not completed and done according to laws and following the rules. I will keep complaining until it is removed and I know what it is for. I have to be notified and be given ample time to pay it off by whatever the law says. I can't pay something if I don't know what it is.
Product: Checking or savings account

There is a unauthorized charge on my account for the amount of {$110.00} I contact BMO and they stated they can not due anything for me to obtain the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies in this complaint are continuing to report fraudulent information on my credit report. I told them my identity was stolen. They still are ignoring me and reporting the fraudulent information on my credit report I sent them multiple letters explaining the issue. They claim they are verifying the information, but how can verify something fraudulent??? Then they said I didn't provide no information on the accounts such as account names and numbers. How? We'll once again im uploading my letters I sent directly to XXXX containing all the information they said I didn't provide, such as account names and numbers. I sent these letters to the companies as well along with my police report and they still to continue to break the law and report fraud on my reports.
Product: Credit reporting or other personal consumer reports

Went to check my credit and saw inquires that was not authorized by me from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that was not an authorized account I dont have a XXXX account!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN neglected to verifyValidate the account from XXXX XXXX XXXX before placing that heavily manipulated inaccurate account on my credit report. XXXX XXXX XXXX XXXX was the original debt collector for the account # XXXX that reported a past due balance of XXXX. The ORIGINAL CREDITOR is/was XXXX XXXX. This closed XXXX XXXX account was originally DELETED from my credit report. After the deletion XXXX XXXX XXXX   purchased the CLOSED DELETED XXXX XXXX  ACCOUNT # XXXX from XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX THEN RE-AGED the 5 year old CLOSED/DELETED/XXXX XXXX account # XXXX and reported this transparently manufactured Cliosed/ Deleted XXXX  XXXX  account to EXPERIAN and the other credit agencies as a NEW/RECENT COLLECTION WITH A PAST DUE BALANCE CLOSED ACCOUNTS MAY NOT BY LAW REPORT BALANCES AS PAST DUE. XXXX XXXX XXXX MAY NOT LEGALLY REPORT A PAST DUE BALANCE OF {$1500.00} due. Because, The ORIGINAL CREDITOR XXXX XXXX originally reported a past due balance of XXXX. That is double jeopardy. ONLY ONE CREDITOR MAY REPORT THIS past due balance. Because XXXX XXXX first reported the {$1500.00} past due balance. Any following debt collectors are EXCLUDED from reporting this XXXX dollar past due balance. It is illegal to RE-AGE accounts. It is a violation for EXPERIAN to not independently investigate the dispute that I submitted relating to XXXX XXXX XXXX. It is a violation for EXPERIAN TO REPORT INACCURATE ACCOUNTS/ INFORMATION on my credit report. EXPERIAN has gotten extremely comfortable with ignoring the FCRA regulations/ and guidelines in which EXPERIAN must abide/adhere to. EXPERIAN reckless credit reporting and mishandling of my disputes is gross negligence. I will continue to dispute this and any manipulated flawed doctored account until it is correctly and permanently removed. EXPERIAN should be held accountable for purposely/knowingly assisting in damaging my already fragile credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a disputed against a collection item - XXXX XXXX  apartments - collection agency: u.s. collections west, inc. - but it is showing in my report that I am responsible and owe the balance XXXX - my dispute against this account was approved and the collection agency confirmed it shows that I am not liable.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XX/XX/XXXX
Product: Debt collection

This debt collection company XXXX has already been removed from other reporting bureau companies and should also be removed from Transunion. XXXX is constantly being reported monthly with a balance which should have a zero balance as the collection agent. Also, reporting incorrect and inaccurate dates of payment and account status to re-age the account. This is a violation against the fair credit reporting act by the agent reporting fraudulent information.
Product: Debt collection

I have written XXXX XXXX on several occasions via certified registered mail requesting that they validate the alleged debut. XXXX XXXX has yet to supply me the information requested.I am an XXXX XXXX XXXX with the XXXX XXXX. I was XXXX with my platoon on XX/XX/XXXX and only return XX/XX/XXXX. How can I have signed a lease with XXXX XXXX apartments per the name listed on my credit report. I XXXX the company and filed a complaint via the XXXX XXXX XXXX via complaint number XXXX. I received the following email from the company 's contact persons by the name of XXXX XXXX. Stating she would make sure that the item was removed as she agrees with the documents submitted that this was an error on their parts.This was XX/XX/XXXX. Yet I am still seeing this item on my XXXX, XXXX, XXXX reports. Under the laws of the FDCPA, I have contacted the collection agency ( as well as the originator per my credit report ) myself and have been unable to get them to verify that this is indeed my debt. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and has surpassed the 30 day validation mark. I urge you to remove this item before I am forced to take legal action.So my question to XXXX, Transunion, and XXXX is " what was used to validate this debut in order to add this to my profile when the company is stating it should be there? '' I am giving you all 7 business days to remove this from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following account with each Credit bureau after finding accounts that were reporting on my credit that I never gave any consent to me opened and address that I never lived at need to be removed I was informed to file a FTC with them and provide this documentation to all credit reporting companies. 


XXXX XXXX  XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX La XXXX the following addresses are not my address please remove them I have provided a copy of my Identification card showing my correct address along with the FTC LA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX This following accounts are being disputed as Fraud accounts I never consent to any of the following companies to open accounts in my name
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal dispute against [ Name of Creditor/Company ] regarding the inaccurate reporting of late payments on my credit report. These errors violate my rights under 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1637 ( a ) of the Truth in Lending Act ( TILA ).

Details of Dispute 1. Violation of 15 U.S.C. 1666 ( b ) Billing Error Resolution According to this statute, creditors must promptly investigate disputes regarding billing errors, including incorrect late payment charges. Despite my timely payments or resolved disputes, [ Name of Creditor/Company ] failed to properly investigate and continues to report inaccurate late payments to the credit reporting agencies.

2. Violation of 15 U.S.C. 1637 ( a ) Disclosure of Account Terms This statute requires creditors to provide clear and accurate disclosure of terms, including billing cycles, payment due dates, and late payment penalties. The late payment entries on my credit report are inconsistent with the account terms disclosed to me or with payments I made within the agreed timeframe.

Key Issues The reported late payments on [ specific dates ] are inaccurate or unjustified.

My payments were made on time, or I was not provided clear disclosure of due dates and penalties. 
The creditor has failed to investigate or correct the inaccuracies despite my efforts to dispute them. 

Requested Actions I respectfully request the CFPB to : 1. Investigate XXXX, XXXX, and Transunion for failing to resolve my billing dispute as required by 15 U.S.C. 1666 ( b ). 
2. Require the credit reporting agencies to remove the inaccurate late payments from my credit report. 
3. Ensure that XXXX, XXXX, Transunion complies with federal disclosure laws under 15 U.S.C. 1637 ( a ). 

Supporting Documentation Impact and Resolution The inaccurate late payment entries have unfairly harmed my credit score and financial standing. I trust the CFPB to address these violations, ensure the errors are corrected, and prevent further harm. 

Thank you for your time and assistance in resolving this matter. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Cashapp allowed three other customers to access or try to access my account and send money to themselves. This occurred around the time that my blackmailers started, and were also demanding {$500.00}! I tried to close my account but they refused because {$6.00} remained in the account. I asked them to just send the money back to me to close the account but they refused. 

Bottom line, I want cashapp investigated as possible accessory to the blackmail and the {$530.00} stolen from my account which was hacked by someone else know to cashapp. The thieves then gave the money to themselves. I cashapps support and was hung up on three times and refused to close my account because {$6.00} remained in the account. However I already deleted the app but that didnt close the account.. Now, I cant access my account to close it, leaving me open to more theft!
Product: Credit reporting or other personal consumer reports

This was a charged off account which I paid off. We had an agreement that the account would be deleted off my credit report and they lied to me failing to delete the account. After multiple tries to reach out and disputes they have not deleted the account whatsoever. By law 15 U.S Code 1681s-2 ( d ) ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly 3 credit bureaus should be furnishing all the same information, which they are not and is considered inaccurate.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practice, 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 Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This company contacted me and stated that I owed a debt. I informed the representative that wasnt true and asked for them to send me validation that this debt exist and where these numbers were coming from to collect this debt. The representative told me it doesnt matter because Im still going to pay them. I asked the representative did he have any proof of these charges and he stated no. This company is using illegal collection tactics and threatening to ruin my credit and force me to pay a debt that I do not owe. I request this company to provide me valid documentation of said charges and if they continue to refuse then I request this company to cease and desist all further collection activity. Do not contact me by phone and I request all documentation to mailed to as proof of effective communication. I do not owe them over {$4400.00} and I request this company to stop threatening to damage my credit. Provide valid proof of requested information or cease and desist all collection activity.
Product: Debt collection

Monterey Collection Service is continually contacting me regarding a debt that I am actively disputing with XXXX XXXX XXXX. I have notified them that I am disputing the debt but they still contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XX/XX/16     I logged into my   XXXX   XXXX   XXXX   XXXX   account and made an additional payment of {$710.00} to my mortgage account which is due on on the   XXXX   of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and   XXXX     XXXX  I noticed at the beginning of  XXXX   XXXX   XXXX  started reporting to the credit bureaus that my payment was delinquent. I immediately called  XXXX   XXXX  to determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. However,  XXXX   XXXX  will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my  credit score on  all  XXXX  reports. I attempted on  XXXX   XXXX  to submit my complaint to  XXXX   XXXX  and it went denied. I believe  XXXX   XXXX  is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a  XXXX   XXXX  customer for over 10 years.
Product: Credit reporting

I implemented a credit freeze with Experian, XXXX and XXXX last year when my personal data was stolen from XXXX XXXX. Experian gave me a XXXX digit PIN to use to unfreeze my credit report but when I tried to use it this morning it was rejected. Experian does NOT provide any means for me to speak with a real, living human being to try and fix this.
Product: Credit reporting or other personal consumer reports

I have written multiple letters disputing 2 collection accounts on my credit report and have asked them to send me validation, not just verification and they refuse to send me any proof of these accounts and these accounts that are in collections are also not sent me any validation proof, but they keep reporting to my credit report.
Product: Debt collection

Hello, I moved out of XXXX on XX/XX/2021. I submitted a notice as required by my lease on XX/XX/2021. I noticed that the email bounced back because they switched management companies so I went in to talk to them in person. They told me to turn in the notice there and so I did. I moved out on XX/XX/2021. I went to the office to turn in my keys, left a forwarding address and my number that hasn't changed in XXXX years. They told me that if they had any problems they would bill me in aout XXXX months. In XX/XX/2021 I received a call from the collection agency IQ DATA INTERNATIONAL. At first I thought it was a scam because I had never received anything from XXXX. They were also yelling at me on a recorded line and cursing me out. I hanged up and immidiately called XXXX. They said they they never had my phone number to contact me and my address so they didnt bill me.They also attempted to charge me for not giving them a notice. Once I provided documentation that I did in fact sent a notice they agree to take off most of the amount and contact collections to which they never did. I then contacted IQ and told them I would be getting a lawyer to which they responded you dont have a XXXX laywer. ( It is on a recorded line ) I began crying and panicking because teh representative was yelling. I offered to provided documentation to which they said that I could not dispute. I have attached an email from XXXX admitting that they charge was incorrect and honestly it proves that they never attempted to collect any charges before submitting me to collections. This is now affecting my credit and the unproffesionalist of IQ DATA INTERNATIONAL has caused me XXXX XXXX that i refused to speak to them as they were verbally abusive.
Product: Debt collection

Despite several attempts at disputing a collection account with XXXX XXXX XXXX, they continue attempting to collect an account for Synchrony Bank. The original account was cleared by the original creditor as a result of fraud. The collection account was must also be cleared as fraudulent in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX  including credit bureaus Equifax and XXXX. This account is not legitimate or has not been reported properly under FCRA. This needs immediate attention and all creditors and bureaus should be fined, and disciplined for their willful neglect to my financial situation. As a senior citizen, I am not pervy to all new forms of technology. However, I do know all credit validations are responded in USPS but I have received nothing.
Product: Debt collection

After receiving a discharge letter from this company since this was a result of a missed appointment with a company i never signed paperwork with and refused to pay since I was under no contractual obligation to show up the company continues time and time again to place it on mt credit in hopes i will pay it. Extortion for a debt I do not owe. They are ruining peoples lives doing this. Please sanction this company from doing so.
Product: Credit reporting or other personal consumer reports

I sent a dispute to Transunion by certified mail on XX/XX/2024. The letter was typed and, detailed the disputed information. My driver 's license and a recent utility bill was also included. Transunion responded on XX/XX/2024 : " we were unable to determine the nature of your request or your request was illegible. '' My legible, clearly stated request is attached. There is no reason why the company can not investigate. The investigation window is still 30 days for them to respond properly, not with a fraudulent claim that my letter is unclear or illegible. I have attached the letter sent to them.
Product: Checking or savings account

I was overcharged on XX/XX/year> by XXXX {$15.00} I usually only pay {$10.00} for the ride to XXXX XXXX XXXX but the driver missed the exit for XXXX XXXX XXXX and proceeded to take me to XXXX XXXX XXXX which is much further than what I normally go so of course they charge me extra but it was her mistake not mine and I did not tell her to go to the next subway station she took it upon herself to do this and I tried to dispute the charges but was not able to get a live person on the phone to assist me with this so I gave up
Product: Consumer Loan

I discovered that the interest rate on my loan ( 23.12 % ) exceeds the maximum allowed by North Carolina state law.
Product: Consumer Loan

I have asked in writing by mail, email, and fax for the company not to contact me by phone to collect. Even after asking verbally and in writing they continue to call me on my cell phone and place of employment.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my student loans from XXXX were reported again as if they were taken out. This directly caused a significant decrease in my credit score out of the blue. I work so hard to keep a good score and play by the book but these companies make it almost impossible to. I decided to pay my graduate studies out of pocket and not go the loan route but now it is as if it was for nothing since they are reported twice on my accounts. 
- XXXX - Experian - XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. 

THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? 

AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a hard and soft pull was done on my XXXX  credit report by Clarity Services for XXXX XXXX. I did not solicit their services or the services of XXXX XXXX at this time and need to have this inquiry removed from my record