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

I have received a lot of information on my credit thats not mines .XXXX   XXXX, 3 XXXX XXXX accounts, 2 XXXX XXXX, 2 XXXX XXXX, XXXX XXXX, XXXX/XXXX/XXXX charge off, XXXX XXXX XXXX Several inquiries. I have no bad information on my credit. inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX-XXXX, XXXX, XXXX, XXXX, XXXX XXXX bank, 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 bank, XXXX several times, XXXX, I have like 100 inquiries. I dont apply for anything
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I have never been late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the account XXXX XXXX XXXX NUMBER Accounts : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Product: Checking or savings account

I deposited a check in my citi bank account back in XXXX of XXXX. The bank claim that the check was a fraud and closed my account. I reach out to the bank several time to return the fund back to XXXX since they already had cash the check. XXXX reach out and o them several time to return the fund and until now of XXXX no response from citi bank about the funds they cash and have on hold.
Product: Credit reporting or other personal consumer reports

I discovered several erroneous entries. The 3 credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX Balance : {$28000.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I previously filed a complaint against this agency after one of their agents refused to send me proof of the debt via email for which someone from their agency has replied to already. However, I am now submitting a new complaint because I keep receiving notifications from XXXX XXXX and XXXX every few weeks indicating that IQ Data International is increasing the balance they claim I owe. To clarify, I should not have left XXXX XXXX XXXX  with an outstanding balance of over {$6000.00} ; that figure was falsely reported to collections by the landlord, but thats a separate issue. I also came across some information online stating that IQ Data International settled a lawsuit last year in XXXX  DC for over {$4.00} XXXX for similar practices. I believe that IQ Data International is violating the federal Fair Debt Collection Practices Act by attempting to collect alleged debts and improperly adding interest to my account from the day I moved out. These alleged debts were considered unliquidated and shouldnt be subject to prejudgment interest. 

P.S. 

I wanted to mention that during my last conversation with an agent from this agency, I clearly stated that I do not owe this balance. Unfortunately, the agent didn't acknowledge my statement and continued to press for payment instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( XXXX ) ( XXXX ) ( C ) Authority to decline or rescind. 

XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX  XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$15000.00}
Product: Credit card

A XXXX charge that was cancel in the allotted to time to cancel. Have tried everything I know to do about this charge with USAA I summitted a dispute and cancellation on XX/XX/year> with USAA, also I tried to do a cancellation on XXXX A free cancellation window closed on XX/XX/year>. USAA are still holding the charge on my account and refuse to do anything about the charge. I forward the cancellation policy to them and still nothing!
Product: Money transfer, virtual currency, or money service

I was trying to take my rent money out but since i used my card so much they think is fraud or scam but i told them it was me who was making the transactions And also asked them to change my phone number on the account and i dont have the old number thats connected with my bank card due to the fact that is already in thier system is been hard to get accsess for me to change my information on my portal
Product: Money transfer, virtual currency, or money service

my bank XXXX XXXX XXXX XXXX XXXX is linked to cash app and it Transferred money to two different people who I do not know on XX/XX/2020 for the total amount of {$3000.00}. Attempt to contact my bank and was I formed I still had to pay back the money because it was from my cash app account. Tried to explain what happened and was still informed it was my responsibility. Attempted to contact cash app and heard no response back. To this pay Im still paying the bank back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus clearly don't know how to conduct a proper investigation I disputed the accuracy of this bogus account on my credit report and it came back verified. HOW??? Each bureau has different dates???? How is that even possible? At this point just remove it from my report. No investigation needed, I the original creditor did my own investigation and this bogus account is erroneous and shouldn't be own my consumer report. REMOVE immediately or I will have to seek litigation. There's aslo an account that two bureaus removed due to inaccuracy but one bureau is still reporting it. Remove it.
Product: Debt collection

Subject : Cease and Desist Request Regarding Debt Collection Dear LVNV Funding LLC, I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with account numberXXXX and originating from XXXXXXXX XXXX XXXX. According to my records, I do not recognize this debt, and I request that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Until you can provide proper validation of the debt, you must cease all attempts to collect this debt, including phone calls, letters, emails, and any other form of communication. Continued attempts to collect this debt without providing the requested validation may be a violation of the FDCPA. 

Please be advised that this letter serves as formal notification that your services and any attempts to contact me regarding this alleged debt are to be immediately terminated. I will consider any further contact regarding this matter as harassment, which may result in legal action. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1605 : Determination of Finance Charge the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 

1 XXXX XXXX XXXX Bank XXXX XXXX Account # : XXXX, 2 ) XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, TRANSWORLD SYSTEM INC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA TRANSWORLD SYSTEM INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a complaint regarding an account listed on my consumer report XXXX XXXX XXXX The company responded on XX/XX/year> here is the complaint number XXXX. The reason this is important to mention is because I still see XXXX XXXX XXXX listed on my report after they stated they would delete it. Furthermore I have already stated that I was a victim of fraud and I submitted the FTC Complaint with XXXX XXXX XXXX listed and yet they continue to violate my right to privacy and furnish these fraudulent accounts. 15 USC 1692G requires debt collectors to provide evidence as to how they acquired the debt and are they even licensed to collect in my state. This company continues to furnish bad, inaccurate, and fraudulent information on my consumer report in an attempt to affect my overall credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I was looking to purchase a house until I was notified about all the damaging things on my credit report 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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle was turned back in on XXXX, XXXX. All final settlements and payoff were completed by XX/XX/XXXX. Nissan Lease Trust / XXXX XXXX continues to report that payments are still being made through XX/XX/XXXX on XXXX. On XXXX there are reporting payments made through XX/XX/XXXX. On XXXX they are reporting a Collection on XX/XX/XXXX and payments made through XX/XX/XXXX. 

Incorrect payment status across all three bureaus. 

Account status is inconsistent across all three bureaus. 

Closed ( XXXX ) Paid ( XXXX ) Derogatory ( XXXX ) Nissan refuses to look into it. Credit disputes have not helped. 

Please remove this fradulently and illegally reported information.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX  XXXX XXXX Balance : {$11000.00}
Product: Consumer Loan

I took out an installment loan in XXXX XXXX, the loan was for $ XXXX.To date I have paid well over {$6900.00}, almost three times the principle. I still owe close to {$3000.00}. Prior to accepting the loan I did read the " fine print '' but it was not easy to understand. It was not explicit stated that the monthly payments would be going to the interest and not to paying down the principle, making the loan impossible to pay off quickly. 
I called and spoke to a customer service agent on XXXX XXXX, XXXX ( the call was recorded ) and asked specifically for an amnesty on the remaining balance because I am having a hard time paying on this exorbitantly high interest loan for over 12 months. I also explained to her that to date I had paid almost three times the principle, she said " no. '' The fine print on this loan document was written in legalize that the average lay person could not possibly understand. There are many more months left on this loan ; in the end, the total paid before it is satisfied will be over {$9500.00}! Paying {$7500.00} in interest for a {$2500.00} loan is outrageous and should be illegal. 
Again, the " fine print '' was not easy to understand and I did not understand EXACTLY how much this installment would cost me. I have paid off the principle three-times over and the rest should be forgiven.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX is violating Law FRCA Section 605B according to FCRA It is illegal to report information on my credit report without my permission or written consent. Thank you please remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX XXXX  and requested validation of the debt from XXXX XXXX  times now. The initial contact was in early XXXX when they called. I also requested the credit bureaus authenticate this debt as I have paid XXXX when i returned the equipment. No debt validation was supplied. I have paid {$130.00} as of XX/XX/XXXX still without debt validation. I would like this to be updated as PIF and removed. I have not received any communications yet they report past due on my credit report which is inaccurate as the debt still has not been validated and I have paid more money to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Erroneous information being reported on my credit report causing me to be denied credit and I would like it removed
Product: Credit reporting or other personal consumer reports

I paid my credit card off to bring my total credit card usage down, to boost my credit score. I owed them {$2400.00} on this card. I paid them on XX/XX/XXXX the full amount down to {$0.00}. They never updated my credit usage on to reflect payment. My XXXXXXXX  report still shows as of XX/XX/XXXX I still owe this amount. Hindering my ability to gain more credit for my new business. It showing a XXXX balance on XXXX, but not on the other 2 agencies.
Product: Credit reporting or other personal consumer reports

The creditor keeps reporting incorrect information this is not a debt that I owe. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX - Debt Collection {$3500.00} this was a write off and a XXXX XXXXXXXX issue under XXXX - XXXXXXXX XXXX XXXX XXXXt They need to DELETE this derogatory account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

From the end of last year, especially from XXXX of this year, there are many unrecognized credit inquiries appearing on my credit report. I suspect that my ID have been stolen in a grand scale. How, who, and where could I find the right help to resolve this issue and prevent further ID theft crime? Thank you very much
Product: Credit reporting or other personal consumer reports

Equifax Subject : Dispute of Inaccurate Information in My Credit Report Equifax Subject : Dispute of Inaccurate Information in My Credit Report. XXXX XXXX this debt is being reported as a charge off. However this is actually considered income because I should have received a 1099C form in the mail in order to account for this as income however it is being reported as a charge off I am requesting that this is removed because this is not debit this is considered income and should not be reporting on my credit report. 

Discrepancies in comments ( e.g., " Charged off as bad debt ). 

In North Carolina, the statute of limitations for debt is XXXX years from the last activity on the account. This means that creditors have XXXX years from the last payment to file a lawsuit to collect the debt. 

Equifax : open date reporting XX/XX/XXXX Equifax : High credit reporting {$5400.00} Equifax : Credit limit reporting {$5400.00} Actual credit limit {$4500.00} Date Last Active reporting as XX/XX/XXXX Date last payment reporting as XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no written communication or any legal proof for the alleged debt to claim ownership anybody can send a bill but that doesn't mean the debt is legitimate. I do not recall being associated with this company. FDCPA section 809 states if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Product: Debt collection

This company has been contacted previously stating its to late to refile insurance, my claim is that the changes are not legitimate. The service provided is not reflected in the invoice. I have over billed and XXXX has paid out all debt owed and deductibles have been met. I did not authorize these charges and written proof with my signature has not been provided as requested. Pleased remove at once.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX These are fraudulent accounts About 2.9 billion people may have had their personal financial data compromised, a lawsuit alleges.

" It's not a matter of if, it's a matter of when '' you may be personally affected by a breach, one expert says. 
Experts say there's one best step to take to protect your personal data. Criminals have posted on the dark web a database containing data on 2.9 billion people, offering to sell it for {$3.00} million, according to a lawsuit filed in Florida. And according to the XXXX XXXX XXXX The breach, which includes Social Security numbers and other sensitive data, could power a raft of identity theft, one expert says. ( XXXX XXXX / XXXX XXXX )
Product: Credit card

I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't know what this company and i didn't request from this company
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed many disputes with XXXX regarding Capital One Bank Credit Card Division and the reporting of a 30 day late on XX/XX/2020. I called customer service in XX/XX/2020 to get a deferment on my account because I had a loss of Rental Income due to Covid19 The Representative assured me that I could skip next month 's payments. 

This 30 Day late has caused traumatic injury to my credit. I have filed at least 5 disputes with XXXX and called Capital One Customer Service several times to no avail. 

I am requesting Capital One take the negative report off my Credit Profile because it was a Covid19 related problem. That is the only payment that I ever missed with them.
Product: Checking or savings account

Around XXXX of 2014 XXXX XXXX XXXX was bought by XXXX XXXX