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

I submitted a full request to investigate the creditors listed on my report which have incorrect late payment information and/or amount owed and or wrong and invalid information that does not belong to me. ( Creditors include - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX accounts. ) Recently, there were 2 hurricanes we were impacted by back to back in XX/XX/XXXX through XX/XX/XXXX. I immediately call each above creditor and the payment arrangement I previously was making for the accounts that were not charged off via a 1099c allowed me to skip XXXX, XXXX and XXXX payments. So no account was late or missed above. In addition, some of the companies honored a 1099c because, I explained Since late XXXX, I have endured a series of significant medical challenges, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These conditions have caused debilitating symptoms, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite seeking specialized treatment at leading medical institutions such as the XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, my condition remains unmanaged. 
My medical circumstances have led to substantial financial strain, as insurance coverage was insufficient to address ongoing treatment costs. Consequently, I relied on credit cards and loans to finance my medical care. Currently, I am pursuing XXXX benefits to address my reduced capacity to work. However, my immediate focus is on essential living expenses and ongoing medical care, leaving me unable to repay this debt. My investigation was dismissed without validating the current 1099c and incorrect account info, late pay info and etc. Therefore, I am still this credit agency applies 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681i, 15 U.S. Code 1681s-2, 15 U.S. Code 1681c, 15 U.S. Code 1681m. I request they follow and investigate or provide accurate information, reference 15 U.S. Code 1681s-2. I request as well code 15 U.S. Code 1681i ( a ) ( 5 ) to demand the removal of unverifiable information.
Product: Credit reporting or other personal consumer reports

i sent transunion, XXXX, and XXXX letters XXXX, requesting the inaccurate and incomplete accounts that are reporting on my credit report. i have attach copies
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10  years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I was a victim of fraud on my Bank of America EDD prepaid card. I received a text message from what I believed was BOA and signed in with the link provided. The following day XXXX XX/XX/XXXX ), they were able to transfer about {$4200.00} dollars from my account into their checking account. I have opened an ACH claim with them and want to make sure i received the money back that was stolen from me.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  {$0.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Debt collection

SOURCE RECEIVABLES MNG is about the XXXX collection " company '' that has tried to collect this debt that does not exist. I never had a XXXX account or XXXX phone. There are no records of any phone number being assigned to an account or any call record because I never had a phone with XXXX I have explained this directly to XXXX  and to the collection agencies. During COVID I called about a deal XXXX had, thought I'd try it and paid the initial {$60.00} some odd they asked for and immediately thereafter called and canceled the order. I have a the statement that shows that XXXX PAID ME BACK the {$60.00} some odd dollars. This is just XXXX company that likes to harass people giving up and selling the debt to another company, and the next company selling it to another company. I NEVER HAD A XXXX  ACCOUNT. These relentless collection agencies are dangerous. When the truth can be proven, and they continue to ignore the true FACTS, they are deceiving the public and messing up hard earned credit reports. Thank XXXX I have XXXX who had already closed this out after the last company that bought the debt could prove nothing. I have the proof. They are desperate XXXX!
Product: Money transfer, virtual currency, or money service

SYNCHRONY FINANCIAL - Paypal Credit I received a surprise notice : " This account is closed. You can't make purchases, but you should continue to make payments until your balance is paid in full. ". There was mailed correspondence dated XX/XX/2020, which indicated that my account was closed due to " dishonored payments ''. 

They closed my account without any prior notice due to some dishonored payments. My account had been active for a few years and payments were always made on time. There was no communication or warning, and I couldn't be bothered reading their terms of service which says that they can close an account at any time. If someone encounters technical difficulties when making payments and they are reported as dishonored, then they risk having a closed account at SYNCHRONY FINANCIAL without any notice given. The closed account will also reduce my credit score. Customer service refuses to re-open the account. They also charge a fee for the dishonored payment despite closing the account. And they do so during a pandemic/global crisis. Very poor form.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an alert from XXXX of the consumer reporting agencies, that a new collection agency was added to my credit report with the name LJ Ross Associates. I have never heard of this company and have never had any contact of any kind or any platform from LJ Ross Associates. 

15 U.S. Code 1692g- Validation of debts, specifically states : ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Based on the forgoing, LJ Ross Associates violated 15 U.S. Code 1692g. of the FDCPA ( Fair Debt Collection Practices Act ). LJ Ross Associates never communicated with me about any debt, that was placed on my consumer credit report on XX/XX/year>. LJ Ross Associates failed to send me a written XXXX validation notice within XXXX days of the initial communication. 

The erroneous reporting to the consumer reporting agencies, and the highly negative impact on my consumer credit report that was reported on XX/XX/year> is a serious violation of my privacy. Therefore, LJ Ross Associates, have violated the following. 

The FDCPA ( Fair Debt Collection Practices Act ) The FCRA ( Fair Credit Reporting Act
Product: Credit reporting

I have asked EQUIFAX TO PLEASE COMPLY WITH THE FEDERAL LAW AND SEND ME THE ORIGINAL SIGNED DOCUMENTS PER THE FCRA SECTION 609 THEY HAVE YET TO COMPLY PLEASE SEND ME THE COPIES
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 practices, which violate the Customer 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 those violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting wrongful payment status in XXXX and Experian credit report. My Experian credit report shows late payment for the month of XXXX, is false information attach is payment receipt. made on time.My payment due date is was not until XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$4300.00} Open balance XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I attended a event in XX/XX/XXXX XXXX and my purse was stolen that include my children and my personal information. Police on the premises were notified and a report was made. I obtained a copy of my credit profile a seen a series of accounts that I have no affiliation with or knowledge of. Furnishing these accounts and information to my profile without my permission or written consent is in violation of FCRA 15 USC 1681, & further violates FCRA by furnishing information due to identity theft. I've contacted the CRAs ( Experian, XXXX, and XXXX ) in attempt to resolve this matter and I've had no luck. This information reporting on my profile is preventing me from gaining any lines of credit. 
I've never opened or applied for these accounts : XXXX ( ACCT # XXXX ) XXXX XXXX  ( ACCT # XXXX ) XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX ( ACCT # XXXX )
Product: Credit card

I am writing to address a concerning matter regarding my account with XXXX XXXX, which has recently been closed and sold to Portfolio Recovery Associates. This company has been attempting to collect a debt that I believe is not valid. 

As of XXXX XXXX XXXX  they claim I owe a balance of {$1000.00}. However, I have not received any evidence or documentation from them proving that I owe this amount. I request that they provide proper verification of this debt. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Checking or savings account

My siblings and I are beneficiaries to a unitrust with Wells Fargo as the trustee. After 10 years of receiving the annual distribution each XXXX, Wells Fargo changed the month that we are to receive our annual distributions. They changed it from XXXX to 11  months later in XXXX. The only reason they gave us was that they said they had been giving it to us erroneously and when asked for proof of why they came to that decision they wouldn't disclose why due to citing " ... internal policy and procedure on unitrusts '' and " ... our privacy policy. '' We want it restored back to the original distribution, the XXXX immediately after the XX/XX/XXXX reporting period.
Product: Debt collection

When moving from my prior residents I turned in equipment for wifi cable/internet. After several calls to XXXX I was assured this issue was resolved. XXXX listed me with XXXX wifi routers. I explained to them on numerous calls that I had only XXXX wifi router as this is XXXX home and they agreed. I did have the router replaced because it was faulty over a year ago and XXXX stated the person who handled my case obviously did not log the equipment as returned and this caused my record to show XXXX and I was assured this will be taken care of and I would not have any further issues and now I have received a box to return equipment and I continue to receive a collection notice for something I do not owe.
Product: Debt collection

JTM capital, XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX with two men named XXXX XXXX and XXXX XXXX or XXXX. They have called threatening they have taken legal action ( which they have not ) three t Bening to.come to.my house, place of employment and garnish my.wages though no legal action has been taken. I volunteered to pay with written proof of debt and a secure payment option in which the lady in financial services began to threatened argue with Me if I did not give her my financial information. She then hung up on Me. They have called multiple times and use different legal threats each time. Harrass employment and do not follow through with simple verifiable information - written statements. The phone number they provide does not come back to a valid business, all numbers routebacktoXXXX XXXXXXXX and when questioned as to why I could not locate them on XXXX. They statically people don't use the internet. No information about their existence, phone numbers or names are not traceable as valid businesses.
Product: Credit card or prepaid card

Chase gave us a balance transfer of XXXX on XX/XX/2022. This was supposed to be interest free for 15 months. 
On our XXXX statement we were charged XXXX for interest on our transaction balance. We paid the transaction balance before the due date. 
When we called the representative said the Chase charges for the transactions when they occur. So if we charged for example {$10.00} on Monday it would have to be paid on Monday ( the same day ) to avoid paying interest. 
When we got the balance transfer we were not told about this. Also if this is the policy why didnt the bank charge interest in XXXX and XXXX? 
Thanks
Product: Credit card

our identity was stolen related to a sears master card, fraudulent charges were made on the card and I am getting harassed three to for times a day to pay a debt that is not mine, I have talked to there fraud department numourus times and they still send us bills and call non stop. I do have proof our my information was stolen on a copy of a statement with an erroneous address and phone number with my name, this all started XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED CLAIM ALREADY I JUST COULDN'T UPLOAD ALL THE INFORMATION MY CASE # XXXX PLEASE ADD TO CASE.
Product: Credit card

I set up automatic payments on my American Express card to charge only the minimum payment for my monthly statement. However, American Express instead charged me the full statement balance without my authorization. 

This unauthorized payment caused the following : My bank initially declined the payment due to insufficient funds, resulting in a fee. 
When American Express attempted the payment again, my bank overdrafted the account, charging me an overdraft fee. 
American Express charged me a {$29.00} fee. 
I contacted American Express via chat to resolve the issue, but the conversation was disconnected before I could reach a manager.
Product: Credit reporting or other personal consumer reports

See letter in attachment. 

Experian XXXX and XXXX continue to report inaccurately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a certified dispute letter to Experian, clearly identifying inaccurate information on my credit report, including : Details that I actually reached out to the county clerk to verify any bankruptcies reported under my information. I was advised that there wasn't a record that was provided to Experian from anyone within the court. 
I've called in and sent regular letters to Experian requesting documentation of reported details and or the provider who supplied them with this inaccurate information. The only response I've received was an email notification stating that the information remains. 
More than 30 days have passed, and Experian has neither corrected the information nor provided a satisfactory explanation as to why it remains on my report. Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to investigate and correct or remove inaccurate information within 30 days, which they have failed to do. 

I have attached copies of my certified letter, proof of delivery, the original credit report, and the updated report, which shows that the disputed items remain unchanged. 

I am requesting that the CFPB take action to enforce my rights under the FCRA and hold Experian accountable for its non-compliance. I would appreciate your assistance in ensuring that this matter is resolved promptly and that the inaccurate information is removed from my credit report. 

*The attached letter was signed before being sent to Experian Thank you for your attention to this issue. Please let me know if any further information is required. 

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

What I said in my complaint ...        To whom it may concern, I mailed a Multiple Inquiry Removal Letter  on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX   and they completed the request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. This many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case, and is hindering building my credit as I plan to purchase a house by the   end of the yr or early  XXXX . I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have taken over 30 days to remove inaccurate accounts and unauthorized inquiries on my report. 

Affected accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In this case LNVN ( c/o Resurgent Services ), " lack of evidence '' refers to the absence of sufficient documentation or proof to support the claims made by the debt collector regarding the validity of the debt. Debt collectors must provide evidence that they legally own the debt they are attempting to collect. This often includes documentation, such as a valid assignment or transfer of the debt from the original creditor to the collector. Under the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to request verification of a debt. Under the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to request verification of a debt. If the debt collector can not provide adequate evidence to verify the debt ( such as account statements, payment history, or the original contract ). Collectors must provide proof of the original agreement between the debtor and the creditor, including terms, and conditions of the loan or credit. Debt collectors must comply with state and federal regulations regarding collection practices Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft.