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

I called them on the phone all three credit reporting agencies, XXXX, XXXX, and XXXX XXXX and I have not had all of these inquiries removed that I did not authorize add explain to them I have not asked for credit in 14 months. Why do I have all of these inquiries, please remove them they have not done so and I do plant to buy a home when the rates go back down and home prices drop I want to be prepared and these inquiries are not mine or authorized
Product: Debt collection

On XX/XX/XXXX I-filed a dispute with XXXX through the app on 4 suspected fraud purchases made with XXXX, using my account information. I also Filed a dispute w/ XXXX through app notifying them all derogatory payments were not made by me. The following purchase through XXXX were made in my name ; XXXX purchase of {$1000.00} on XX/XX/XXXX. XXXX XXXX XXXX purchase of {$910.00} made on XX/XX/XXXX. XXXX XXXX purchase of {$1500.00} made on XX/XX/XXXX. And a XXXX purchase of {$440.00} made on XX/XX/XXXX. I attempted to call the police station to file a report, and was unable to get a hold of anyone due to the hrs. I went to the police station, and The official police report was made on XX/XX/XXXX. Also pictures of the merchants names along with the amounts of all purchases were uploaded to the email the police office provided me with so he can write it on the police report. Called XXXX on XX/XX/XXXX to notify then per XXXXXXXX they are backed up, and dont know when the actual police report will be ready. Called XXXX and provided them with the police report # XXXX, the officers name XXXX and badge # XXXX. Filed report with reportfraud.ftc.gov report # XXXX on XX/XX/XXXX and submitted all documents to XXXX through following link XXXX XXXX XXXX. I contacted Jefferson capital which is the creditors that are attempting to collect the debt for 2 of the purchases made through XXXX, and provided them with the police report information, and FTC number. On XX/XX/XXXX the police report was finally ready, upon reading the report none of the purchases vendors were listed, or the amounts. I went to to the police station again, and they advised me that the police report would be amended but it could take months for it to be amended. I sent it out via mail, and I attempted to call Jefferson to resolve this and get this off my credit record, and I have been unsuccessful on getting these charges removed. All my history with XXXX prior to these purchases were in good standing, and I have never even made one late payment with this third party vendor.
Product: Checking or savings account

Ok in 2021 in XXXX XXXX XXXX XXXX they took out overdraft fees that added up to XXXX and XXXX  months later they took it all out at XXXX time I live on a XXXX XXXX I am XXXX. But it left me with XXXX to pay my rent my bills an live on for a month I lost my home bc of this they had already taken the fees out before so why they took my check out and left me with nothing an double charging me fees that was already paid. But they try to blame someone else. But then said they was taking it out again and they did.i just need refunded my money that's been taken out XXXX. That's illegal an I want this fixed an my money replaced
Product: Money transfer, virtual currency, or money service

Extra funds were taken out of my Zelle transfers each time
Product: Debt collection

XXXX, a cable and internet provider, had supplied service to my prior residence located at XXXX XXXX XXXX, XXXX XXXX, XXXX. I moved on XX/XX/2022. I terminated service on XX/XX/2022 and all equipment was surrendered. Enclosed is a copy of the receipt they provided which specifically acknowledges that all services were terminated and all equipment was surrendered. Weeks after the move, XXXX rendered a bill for services beginning on XX/XX/2022. I sent a letter to the company dated XX/XX/2022, together with a copy of their receipt showing that all services were terminated and all equipment was surrendered and they called my cell phone several days later to state that my letter was received, an error was made and no monies were due. I asked them to acknowlege this in writing. They refused. They said that I would receive another invoice showing a XXXX balance. The writing which they promised never arrived- all mail was forwarded by USPS to my new address. 

Today, I received notice from a third party debt collector, CBHV, claiming that I am in arrears for failing to pay the precise amount that was described in my letter of XX/XX/2022 - which XXXX claimed was not due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has my credit card that is still inactivate and cant even change my text nbr and bank info at all. XXXX XXXX has wrong info. XXXX for cell phone was old. It was paid off in 2019. I owe nothing to XXXX. Because I closed the acct before I transferred to XXXX. XXXX charged me anyway even thought it was closed. 
Also, the XXXX loan takes my money every month on time. It is thru auto pay system. They take money themselves. They put wrong info on my credit and is hurting my credit. See screenshot of the auto pay. I also once called them that I d be late with the payment one time in XXXX. I CALLED THEM and they assured me that they d accept late payment. No payment was missing at all. 
XXXX loan still takes my money for the repair on the truck I no longer have. I no longer have the XXXX truck and they still take my money out. Fair? Nope. And I do pay thru auto pay. XXXX XXXX  has old info. And wrong info.
Product: Checking or savings account

Her reportage Chase that I had some fraudulent charges. They close the account, the issued new debit cards and credit cards, which when you close an account due to identity that you can not issue debit credit cards because that is linked to digital wallet. I went back in closed that account had them issue me an ATM card, they moved all the fraudulent charges to the brand new account. I had a direct deposit for {$1800.00} they put into the new account which was set to go on the fraudulent account which shouldve been kicked back to my company and Im sitting at - {$1700.00} especially when I provided them my FTC affidavit, my IRS affidavit, my XXXX FBI reports my local PD identity theft JP Morgan Chase has knowingly had multiple accounts open in my name. I cant verify or get transparency of those accounts so Im not the bad guy.
Product: Credit reporting or other personal consumer reports

I HAVE NOT REQUESTED THIS TO BE VALIDATED OR VERIFIED. THIS IS ABOUT THE VIolations of the FCRA My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments ACCOUNT : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc ) due to inadequate customer service and unfair practices, which violates 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  and Transunion are refusing to delete 2 accounts that were so inaccurate i contacted them immediately!!! In the midst of this whole pandemic the need to have good credit has rised which means there is no time for erroneous reporting XXXX This Alleged chargeoff has 3 different dates of last activity a sign of re-aging the account further damaging my credit score yet all 3 bureaus swear they have verified the information as accurate. 

XXXX This alleged Mortgage account says late 30 days across all 3 bureaus but the account is closed- with an inaccurate payment grid- I disputed this alleged late account but all 3 bureaus verified it even though the company closed after it went bankrupt. ( XXXX XXXX XXXX ) How?????? 

Under the FCRA 15 U.S.C.? S 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years back I was contacted by this collection company LVNV funding XXXX XXXX  XXXX XXXX SC XXXX, representing XXXX XXXX. 
I had settled this account and paid everything that I supposed to pay. I made an agreement with this agency. Any agreement the agency promise not to report anything negative on my credit report and to remove anything, and everything off my credit report In regards to this matter as long as I paid. This was an agreement between just collection agency and myself. However, I notice on my credit report recently that it was still present and showing that the account was still open. When basically it was pay to delete the information. Next thing was is that this should have never been on my credit report from the very beginning. Because agreement was reached with XXXX XXXX back then. XXXX XXXX didn't return after they made an agreement with me, and I paid them they turn this matter over to the collection agency. So I feel like I got betrayed by both of these companies, and both of these companies took advantage of me. I am trying to get these removed off my credit report immediately.. 



Below is my information back then, before I relocated out of state. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX New Jersey XXXX, telephone XXXX.
Product: Debt collection

Hunter Warfield is attempting to collect several application fees from apartment complexes in South Florida. I did not apply to these apartment complexes. I contacted Hunter Warfield on XX/XX/2023 regarding the fraudulent collections that they have placed on my credit report. Hunter Warfield stated that they needed and affidavit from ftc.gov, a police report, and two forms of ID to investigate and possibly remove the fraudulent collection.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

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

XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the breach in information Equifax had in XX/XX/2017. They believe my information to be compromised, SSN, Address, DOB, everything. This is entirely unacceptable and I expect resolution. The entirety of my identity is now not safe and will require my constant monitoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS XXXX I NEVER HAVE ANY CREDIT OR LOAN WITH BANK POPULAR, AND THEY KEEP REPORTING ON XXXX XXXX AND OTHER BUREAUS THAT IM LATE. 

XXXX NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

XXXX XXXX XXXX NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE XXXX FIGHTING AND THEY DO N'T FIX IT. 

XXXX ON ALLY BANK I WAS ONLY XXXX TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT .... 

HOW CAN I FIX THIS PROBLEM ... ... .. 

6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY CREDIT COLLECTION COMPANY, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING ME ... ..
Product: Checking or savings account

I had XXXX dollars in checking &, About XXXX n savings. I have spoke to them with no results. I called the XXXX number as well spoke to several bankers, XXXX. XXXX. XXXX, XXXX. I have a list.they SD they couldn't help me? It is a never ending battle. XXXX SD I would get my $ during income tax? I went in bank for my accounts information & could not get em. I requested my written form numbers and was told they would be mailed to but are long over due?
Product: Debt collection

I have contacted experian by certifed mail, phone and online dispute on Fraud accounts on my credit file. First contact was by Online dispute XX/XX/17 requesting the account be verified as my right for the fair credit act then requested was denied and no verified info was sent as request. Second attempt was a call I placed to Experian on XX/XX/17 and was denied proof of Verification again a violation of my right to the fair credit act. Third and final attempt was a letter sent certified mail on XX/XX/2017 with a report from police that these account were fraud, I again never got it removed or a response for Experian. This accounts have been removed from XXXX and XXXX because of fraud and they could not verified. I am listing the accounts below. I have a right to have all accounts that do not belong to me and that the credit reporting agency can not be verified to be removed by the Fair credit act. Experian is violated my right. This is in true harm my life and career. I ask that the accounts listed below be removed right away. 

1 ) XXXX- account # XXXX {$540.00} XXXX account # XXXX {$540.00} XXXX account # XXXX {$350.00} XXXX account # XXXX {$820.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is showing up three times on my XXXX XXXX XXXX 

The amount allegedly owed is {$660.00}. This account was sold to XXXX and then sold to Asset management on behalf of XXXX. 

Due to this error, please remove the account listed under XXXX  XXXX on my credit report. 

According to the FCRA, a debtor must attempt to contact you before a debt is sold. XXXX XXXX has not contacted me, nor has XXXX.
Product: Credit reporting or other personal consumer reports

My name & credit was being used, I was a victim of fraud last year. I was able to remove those hard inquiries that I didn't authorize. I have none on experian but XXXX XXXX trans union have yet to remove them. These are theyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I previously disputed amount owed. The company erased full payment history and updated false closing date. The closing date is now updated to XXXX, 5 years after the actual closing date and return of the vehicle. The vehicle in question was returned in XX/XX/XXXX. I was told the account would be closed that day and sent to collections. The company erased payment history from XXXX to XXXX.
Product: Credit card

On XX/XX/XXXX  I purchased round trip seats from XXXX XXXX XXXX on JetBlue. My seats were confirmed as XXXX to XXXX and XXXX to XXXX, and paid for at the time. I have confirming email of the purchase and seat selection directly from JetBlue. When I went to check in for the flights, my paid for seats had been changed to XXXX. When I called JetBlue, I was told that 1 ) I would need to pay {$25.00} to resolve this over the phone and 2 ) that I didn't pay for these seats and would have to purchase " even more space '' seats for an additional cost. Rather than argue, I went back online to find that my original seats were no longer available, clearly having been resold. So, I chose seats as close to my original, already-paid-for seats, and paid an addition {$310.00}. 
JetBlue claims that I purchased my tickets and seats through XXXX, and were not guaranteed. This is not the case as all of my flight communications were directly with JetBlueXXXX as evidenced by their email confirmation from JetBlueXXXX not XXXX. 
I sent a letter disputing this. Same response. I contacted the credit card company which noted that I disputed the claims, the issue is resolved, but I disagree with the determination.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> SYNCB/PPC **Subject : ** Request for a Copy of IRS Form 1099-C and Cease Reporting to Credit Agencies Dear Sir/Madam, I am writing to formally request a copy of IRS Form 1099-C related to the charged-off debt I previously owed to SYNCB/PPC. According to the IRS, this canceled debt has now become income, and I am required to claim it on my taxes. As such, I would appreciate receiving the 1099-C form at your earliest convenience to ensure I can file my taxes accurately. 

Additionally, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, and I am requesting that you immediately cease and desist from reporting any information related to this debt to any third-party or credit reporting agencies. Since the debt has been charged off, continuing to report this information may be unlawful and could lead to legal action.

Failure to comply with this request may result in my taking further legal steps to protect my rights. 

I trust that you will handle this matter promptly and in accordance with applicable laws. Please confirm receipt of this letter and let me know when I can expect to receive the requested 1099-C form. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting or other personal consumer reports

Experian is trying to charge me for monthly reports, which I didnt request. I only requested my credit report one time.
Product: Debt collection

A formal request for validation of debt and a cease of communication was sent via certified mail with return receipt. However, the company has continued to send mailings and place calls after receiving the letter, but no validation of debt has been provided.
Product: Checking or savings account

On or about XX/XX/XXXX My employer, the New York city XXXX XXXX XXXX- XXXX XXXX XXXX XXXX reversed my Direct Deposit Account with my XXXX, HSBC USA , NA, a violation of CFR 31 Part 210. On or about XX/XX/XXXX, The HSBC USA, NA Main Headquarters, contacted my local branch and XXXX, the Representative said that I could open a NEW account for my Retirement Account, and that we would not talk about, or discuss, my DORMANT, inactive, old ( Original ) Account. The account in XXXX that was reversed a violation of federal Law pursuant to CFR 31 Part 210. 

Note : The violation of NYS Labor Law Article 18 section 472.8 ( Separation ) is on record FOIL. And the recent ruling from IRS, ( 2019 ). 1099-R
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$78.00} XXXX XXXX XXXXXXXX Balance : {$120.00XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not removed scores of invalid, unauthorized inquiries. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Transunion databreach, class action & settlement lawsuit, and is available for free, on pastebin websites, and on the blackmarket or dark web internets for a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 I sent a written letter. It was sent certified. I requested for wrong information to be verified. I received no response. It has been over 60 days. According to the law, these items MUST be deleted.