23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

under the fair credit reporting i have a right to all my documentation, all print outs of the dates and times i was at the facility and a print out of all my signatures and dates that i signed paper work. i have a right to all and any information with my information on it. the company sent a itemized report. i requested actual documentation with my signature on it. i have not received this. I also under COVID am under a financial strain, im currently on XXXX, and have been per the past year on unemployment and food stamps which i am unable to pay them under financial hardship my rights under the fair credit act is to have this debt relinquished. 
again i want proop of actual documents with my info my signatures and dates. a itemized list i can make up my self. i have a right to receive all documentations of a loan a company is trying to collect. also again under covid and government assistance i am freed from the debt under COVID. under the fair credit act a company has 3 months to collect a debt after that that is when they report it to your credit. XXXX is way off from their so called XXXX so called i was seen. also they have been removed from the bruearus and then re submitted in XXXX to replace themselves back on my report which is illegal and again against the fair credit act. i want actual proof not itemized list. i requested this several times and i get nothing. they are going around the law and ielgally trying to collect a debt. they actually were under a diffrent credit collection agency name. i will have to go locate my file in storage and pull it out and i will submit that
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX # XXXX Account Name XXXX XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX XXXX Account Name U S Dept of EDXXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX have 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 an 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Money transfer, virtual currency, or money service

Money took from my cashapp and sent to someone XXXX XXXX while I was is jail, {$890.00} which I disputed on XX/XX/XXXX when I realized I was missing money, it was taken {$750.00} I disputed on XX/XX/XXXX, was taken XX/XX/XXXX {$780.00} I dispute on XX/XX/XXXX, which was took on XX/XX/XXXX, every Time I get my monthly direct deposit its taken from my cashapp and sent to someone XXXX XXXX and cashapp have not even given me a provisional credit! They already denied XXXX dispute for {$450.00} which whoever accessed my account without my permission use my cash card to spend money for {$450.00} at XXXX and they denied my dispute for that! Didnt even offer a provisional credit or anything during investigation ( that is the complaint I filed to the CFPB because I was in jail from XX/XX/XXXX until XX/XX/XXXX, and Ive been getting XXXX For the past XXXX years, so I was supposed to get out and have a lot of money, come to find out someone has stolen my information, logged into there phone, and sent my XXXX XXXX  TO THERE XXXX XXXX  EVERY time it got deposited while I was in XXXX, I didnt file every one that wasnt me but Im working on it, cashapp has denied XXXX out of XXXX of the disputes! Some with XXXX hours, I never got a provisional credit just all denial, and Ive didnt a complaint with the CFPB , the FDIC , and the XXXX  in hope of getting at least some of my stole Money back! Ive been in XXXX XXXX months! It wasnt me, you can even see where my account was logged into from so many different locations before I logged them out and filed the disputes!
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ....,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete and correct the following information in my file.The items I need deleted are listed in the report. This isn't the first time I reached out pertaining to these fraudulent accounts. I have been a victim of identity theft and did not make the charge or benefit from these fraudulent accounts at all. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

Based on, 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, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this complaint to TRANSUNION. I sent them a letter dated XX/XX/2023 regarding the inaccuracies in my report such as late payments, incorrect charges, date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX Principles ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 US-CODE 16921 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason for the dispute is in the month of XX/XX/XXXX I made a payment on the XXXX XXXX XXXXXXXX, a payment on the XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX in the month of XX/XX/XXXX, and which this account is on my report twice, XXXX XXXX XXXX XXXX XXXX a payment was made in the month of XX/XX/XXXX. The Fair Credit Reporting Act Section 609 [ 15 USC 168lg ] bureau should send me all applications being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information.
Product: Credit reporting or other personal consumer reports

XXXX is not removing the fraudulent accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And other 19 accounts XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to this company, XXXX XXXX XXXX XXXX, on XX/XX/2021 to cease and desist communication with me. They replied saying they would cease communication in regards to " account ending in XXXX ''. However even after receiving this letter they have harassing me by calling me at all hours of the day and stressing me out. They are continuing to communicate to the credit reporting agencies and damaging my reputation. I never gave this company permission in any form to communicate with me. Yet they still are communicating to the credit reporting agencies and both directly and indirectly communicating with me. I stated in my Cease & Desist letter that I did not authorize them to do so. It has been very stressful for me because I'm in the process of purchasing a home and this account on my credit report is not legally suppose to be there. The FCRA has afforded me legal protections from predatory companies like XXXX XXXX XXXX XXXX and I would like them to follow the law and remove this account from any and all credit report agencies. Experian is reporting information on my credit report that is not lawfully suppose to be there. According to the FCRA I never gave written, oral or electronic permission for this information to be furnished. Furthermore this account is not validated by the original creditor. I do no validate this debt. The reporting of this account is a violation of my FCRA rights.
Product: Payday loan, title loan, or personal loan

I did not apply for this in any way and they have a bunch of mashed up info about me when I looked what they were asking me for .... 
XXXX Thank you, Your Lightning Fast Loan Processing Customer Support XXXX XXXX Fax. XXXX
Product: Credit reporting or other personal consumer reports

Date Submitted : XX/XX/2024 Report Number : XXXX Court Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX Type of Record : Bankruptcy Reference Number : XXXX I have a letter from the XXXX XXXX XXXXXXXX XXXX XXXXXXXX that they DO NOT provide information to credit reporting agencies. So why is it that Experian credit agency has the nerve to say that the information is accurate as per XXXX XXXX XXXX XXXX XXXXXXXX when is not. I never did any BANKRUPTCY & that is hurting my credit and the ability to get my XXXX license. If it not remove I will have to sue Experian.
Product: Credit card or prepaid card

Dear CFPB : I am writing to dispute deferred interest charges on my account, placed on XX/XX/XXXX in the amount of {$4000.00}. The account was opened in XX/XX/XXXX for a promotional purchase i made in XXXX for {$4600.00}, i called the XXXX credit card the following month and heshe set up a Auto pay as such the whole purchase will be paid in full by XX/XX/XXXX. I never missed any payment on this card since then. 

I found out that there was still principal, {$1000.00}, due on my account and that the credit card company has charged deferred interest of over {$4000.00}. I called the customer care - As per mutual understanding from my call to customer service on XX/XX/XXXX, it was agreed to a ) waive all my deferred interest charges, b ) pay my remaining principalpurchase in full and c ) allow me to look at my statements starting XXXX to XXXX as i wanted to check from the beginning if something was wrong. I was told that statements can only be shared by mail and it will be delivered to me in next 7-10 business days.

I never received the statements in full and have continuously requesting to send them by calling over a dozen times to XXXX customer service. Below are some of the dates I have spoken to a customer care ( even supervisors ) confirmed by Citibank, below call transcripts can be made available by citibank and they will confirm above statements - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX th XX/XX/XXXX Besides this, i have talked to numerous calls from Citibank Collections group, some time for over 30mins. I am getting frequent texts to pay the balance. 

Finally, I did received full statement on XX/XX/XXXX and was able to verify the charge from XXXX. It took Citibank took 3 months to send requested statement to me. 

I can prove that they have send me wrong statements. Simply look at the postage stamp, for all statements to be sent it will take a postage stamp of {$17.00} or more while all the wrong statements they have send me are very thin envelops containing only a few statements which have postal statement from XXXX {$1.00} to {$3.00}. i have a video evidence of me opening these incorrect statements. 

I am willing to pay my remaining principalpurchase balance in full, however customer service is not able to remove all deferred interest charges now. I have been regularly following up for last 3 months to get my statements but delays and mistakes at Citibank 's end prevented me to check my account info. 

Please investigate this matter and remove all deferred interest charges so I can pay my principalpurchase in full. Citibank has a broken process of sharing old statements, when requested, and they are not keeping the agreement they made on XX/XX/XXXX XXXX see ablove ). 

If this is predatory lending and harassment of a customer who has never missed a payment and is willing to co-operate tp pay the purchase in full. it has caused me lot of time and great deal of issues already.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and i want to remove fraudulent accounts that have been stated on my cover letter and ftc documents. please remove these fraudulent inquires. thank you.
Product: Debt collection

This debt is 5 years old and I have never received a bill at my residence. The bill collector also never gave me full information of the debt and or amount.
Product: Credit reporting or other personal consumer reports

Equifax.com does not provide an option to set up Multifactor Authentication on your account, making it incredibly insecure.
Product: Debt collection

KEY BRIDGE Account number XXXX have a a unverified account from. I had previously disputed this account. I have never done business with KEY BRIDGE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt KEY BRIDGE purport I owe. I request that KEY BRIDGE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that KEY BRIDGE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Product: Debt collection

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA COLLECTIONS COMPANY has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.
Product: Credit reporting or other personal consumer reports

Based on the provided account information from the credit report for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), here are the inconsistencies and incomplete information among the three major credit bureaus ( TransUnion, XXXX, and XXXX ) : Account Number : TransUnion and XXXX report the account number as " XXXX. '' XXXX does not provide an account number for this account. 
Account Type : TransUnion reports it as an " Open account. " XXXX reports it as an " INSTALLMENT '' account. 
XXXX does not provide an account type for this account. 
Account Type - Detail : TransUnion reports " Open account. " XXXX reports " Debt Buyer. '' XXXX does not provide an account type detail for this account. 
Bureau Code : TransUnion and XXXX report " Individual account '' as the bureau code. 
XXXX does not provide a bureau code for this account. 
Account Status : XXXX reports " XXXX '' as the account status. 
TransUnion and XXXX do not provide an account status for this account. 
Monthly Payment : None of the bureaus report a monthly payment for this account. 
Date Opened : TransUnion and XXXX report a date opened of " XX/XX/XXXX. " XXXX does not provide a date opened for this account. 
Balance : TransUnion and XXXX report a balance of " {$370.00}. " XXXX does not provide a balance for this account. 
No. of Months ( terms ) : XXXX reports " 1 Month '' as the term for this account. TransUnion and XXXX do not provide a term for this account. 
High Credit : TransUnion and XXXX report a high credit of " {$580.00}. " XXXX does not provide a high credit for this account. 
Credit Limit : None of the bureaus report a credit limit for this account. 
Past Due : None of the bureaus report past due information for this account.

Payment Status : XXXX reports " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' as the payment status. 
TransUnion and XXXX do not provide a payment status for this account. 
Last Reported : TransUnion and XXXX report a " Last Reported '' date of " XX/XX/XXXX. " XXXX does not provide a " Last Reported '' date for this account. 
Comments : There are comments indicating a dispute, and the consumer disagrees with the information. This information is consistent among the three bureaus. 
Date Last Active : TransUnion and XXXX report a " Date Last Active '' of " XX/XX/XXXX. " XXXX does not provide a " Date Last Active '' for this account. 
Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : XXXX reports " CO '' ( charge-off ) for most months in the two-year payment history, but there is no payment history data reported by TransUnion and XXXX for this account XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep receiving Invitations for my deceased husband to apply for a XXXX credit card. The company 's XXXX service is being supplied my late husband 's credit information from XXXX and Experian. I reported my husband 's death and sent confirmation in 2021 not only to XXXX when closing his account, but also to the XXXX main credit-reporting buraus. I also placed a permanent freeze on his credit bureau accounts, so why do I continue receiving offers in the mail? Does a credit freeze and death notification mean anything these days? This has to stop, and these companies must be penalized. These nefarious practices from which they profit lead to credit fraud and ID theft.
Product: Credit reporting

Please see attached proof of filing with Transunion dated XXXX/XXXX/15, the credit reporting agency never investigated or properly processed the dispute. TransUnion file number is XXXX. The Transunion credit report dated XXXX/XXXX/15 has numerous ( at least XXXX ) charged off authorized user accounts that should have been removed. I am not legally responsible for repayment, nor am I under any legally binding contract with any of these authorized user credit cards. In fact, both XXXX and XXXX has removed these accounts immediately upon dispute.
Product: Debt collection

I have been contacted for 3 days in a row by a " Debt collection agency '' called capital management services from the phone number XXXX stating that I owed a {$780.00} to XXXX XXXX credit card company. I told them I would not be giving them my information and I would settle this issue with the XXXX themselves. 

I had previously closed my XXXX XXXX account roughly 10 years ago and verified this by not being able to connect to their billing department because they did not have my social security number on record
Product: Debt collection

There are collections as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Getting the money when they were not recognized and are existing since last few months and you need to remove them from the credit history.