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

As of XX/XX/2022 XXXX XXXX XXXX an account on my credit with the balance of {$9300.00}. They received a 1099 C from the IRS which means they got a tax credit for the remaining balance. They are trying to collect from me and the IRS. They need to update the balance to {$0.00}. I have reached out to XXXX which is one of the representatives in the Executive Customer Relations department file number XXXX but she has yet to respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Debt collection

I am writing to formally request legal assistance regarding a dispute with XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

I joined this gym in XX/XX/year>. During the sign-up process, a staff member named XXXX explicitly assured me that there was no long-term commitment or contract required for membership. Relying on this representation, I agreed to join.

Two months later, when I attempted to cancel my membership, I was informed that I was bound by a contract. I spoke with the gym manager, who directed me to the billing department. The billing department informed me they were unable to resolve the issue. 

Despite my attempts to resolve this directly with XXXX, they have remained uncooperative. I even had to contact my credit card company to stop automatic payments, yet XXXX continued to bill me and has now referred my account to collections. 

I believe XXXXXXXX XXXX initial representation of their membership terms was misleading and constitutes a deceptive business practice. I am seeking legal counsel to address this matter and prevent XXXX from continuing this practice. their billing phone is XXXX ) XXXX or XXXX. 

I would appreciate the opportunity to discuss this situation further and explore my legal options. Please find my contact information below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX Thank you for your time and consideration. 


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

Please remove the fraudulent account XXXX/XXXX Account # : XXXX as I have no knowledge of this account due to the XXXX data breach/identity theft. According to FCRA 605B this information must be blocked immediately until the investigation is over. Please block this information from my credit report and send the required notifications to all furnishers of this information.
Product: Money transfer, virtual currency, or money service

Paypal has created backdoor access into customer funds. 
Paypal created secret " billing agreements '' that allowed a merchant to withdraw on my paypal funds without my authorization. They call it " automated payments. '' Anyday & anytime after a one & done transaction a merchant can submit an invoice of any amount to paypal to be paid with my funds. 
In XX/XX/XXXX, I went to a website and made a one-time purchase via Paypal for a year of streaming services. Then, I downloaded their official app and put down my debit card as my method of payment. Not Paypal. In XX/XX/XXXX I tried to end subscription before renewal date shown on my account. ( Renewal date on account was incorrect for unknown reasons ). The merchant submitted to Paypal a bill for a new year of service at a 37 % markup. Paypal deducted full amount from my wallet on XX/XX/XXXX. I called merchant for refund & cancellation. Merchant refused both. I submitted complaint to Paypal. In about15 minutes, Paypal claimed I had authorized payment & sided with merchant. I filed appeal with Paypal. I canceled unwanted merchant streaming service myself but it showed good thru XX/XX/XXXX. Paypal sent me link showing active billing agreement with merchant. It also showed 8 other such agreements with other merchants. Merchants like a one-time purchase of cleaning supplies, round trip train ticket, donation to a social cause, etc. One merchant even showed on the invoice that it was " one-time '' purchase but Paypal still created a backdoor agreement. 
At XXXX XXXX  on XX/XX/XXXX, I called the merchant again & received a full refund and immediate cancelation of service. Paypal also reversed decision and sided with me. By XXXX on XX/XX/XXXX, my money was back in my Paypal wallet. 

I never made an agreement with those merchants for continued access to my Paypal wallet.
Product: Debt collection

I sent a dispute letter with proof identity theft for the from XXXX for {$880.00} and the XXXX debt. I sent it out on XX/XX/2023 & I did my research and I sent them to all 3 credit bureaus certified mail but they acknowledged but they still havent removed it. A lot of the information between all 3 bureaus dont match either thats how you know the debt isnt correct. 
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, not later than 4 business days after the date of receipt. 
It has been nearly 30 days and you they are in violation of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
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 instructionof the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Debt collection

The account showed up on my credit report. I had no prior knowledge of a debt with any medical group as I have VA Healthcare. I called the original creditor and they said they have no knowledge of me ever having a bill or debt with them. So I then disputed it through XXXX XXXX and it was said to be within standards or something to that effect. I then called the company asking them about the debt and if they would remove it and how I can dispute it. They said a dispute was already submitted. The issue is that this is effecting my credit score and Im currently trying to purchase a vehicle. I have no knowledge of this debt nor did I go into any contract of any kind with this company.
Product: Checking or savings account

I currently bank with Randolph Brooks Federal Credit Union for checking, savings, auto payment, and credit card. 
I am currently on leave from work and my primary checking account is overdrawn. Also, I am late on my car payment. 
The issue I am having is with my brother 's Social Security Account. My brother is XXXX XXXX 's, and Social Security has designated me as his Representative Payee for XXXX payments. The Credit Union ongoingly tries to offset my debt with his account. Legally those funds are used solely to pay his expenses and not mine I just oversee rental payments, electricity, cable, phone, food and other necessities. Regarding my brother 's account, The credit is constantly overstepping their boundaries and trying to place my debt along his payee account ( which is illegal ). 
Today, I woke and noticed that the XXXX deducted XXXX from his account and paid my past due auto note. Again, legally these are not my funds. That issue was cleared over the phone. Later on I went the bank and the branch manager refused to release his beneficiary funds to me because based on my accounts being in a past due standing. She stated the collections department was closed and she refused to provide me access to his account. Again, this is technically not a joint account this is a XXXX Account. Anytime I am pass due or overdrawn on my debts, the credit union goes through the collection process on me by not allowing me to withdraw funds until they speak with someone at corporate. Today since i came at closing, via drive thru, I was not provided access to his funds therefore according to SSI they are acting in negligence on behalf of my brother. Also the XXXX has XXXX my bankcard access to my brother 's account. This is always ongoing every time one of my accounts are past due. When I tried to explain, over and over, the branch manger disconnected the connection and did not even allow me to access my account nor did they give me my driver 's license back. About 30 minutes later, I contacted XXXX Police department and filed an information report. Tomorrow, XXXX, I will have to undergo this same treatment when it comes to my brother 's beneficiary account. 

This issue occurred with the Branch Manager at the XXXX location around XXXX on XX/XX/2024
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Phoenix Financial Services.  I requested a validation on XX/XX/XXXX as there were 2 accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and accounts were listed as disputed by consumer but I had not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and the accounts are still reflecting on my report and I do not believe the accounts belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me.
Product: Debt collection

THIS IS A MEDICAL EXPENSE COVERED BY MY EMPLOYER HEALTH INSURANCE - MY WIFE WAS PRESSURED INTO MAKING A PAYMENT & WAS TOLD IF SHE PAID HALF NOW THEY WOULD WRITE DOWN REMAINING MEDICAL BILL - SHE PAID HALF OF WHAT THEY WERE ASKING FOR & DID STOP THIER HARASSING CALL BUT DID NOT UPDATE CREDIT REPORT. NOW AFTER 7YRS SINCE SAID XXXX IS STILL SHOWING UP ON CREDIT REPORT
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCT # 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 recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT : XXXX  XXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. NAME OF ACCOUNT : XXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. If you can not verify that the accounts listed above are reporting 100 % accurate and without any errors. Immediately DELETE these accounts from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Equifax for over three years. I have sent these ppl.Follow suits letters in which the other two bureaus have removed and cleared old debt. I was told by a Equifax rep that my file has been merged. I pay for a credit monitoring and it shows I have no account with Equifax. For the past 4 months my Equifax score on XXXX XXXX is the same the reps at Equifax is always lying this has impacted me in so many ways at this point I am stuck with finding a job and my future housing. I have sent over several police reports, have ask for letters for debt validation and still no response it seems it is a scam in which they want you to buy there products in which it is useful.
Product: Credit card

In XXXXXXXX XXXX XXXX encouraged me to open an Alpheon Credit card. The credit card offered an XXXX no-interest promotion. My balance at the time of opening the card was {$2400.00}. During the 18 months, I made on-time payments over the minimum payment. As of XX/XX/XXXX, I had a remaining balance of {$450.00}. The promotion was set to expire on XX/XX/XXXX. I paid {$150.00} in XXXX, which brought my remaining balance to {$300.00}. I was then charged {$870.00} in interest on the original {$2400.00}, even though I paid that balance down to {$450.00}. 

I understand credit card companies must charge interest on the current statement balance. Alpheon Credit Card is luring consumers in with a promotion and then retroactively adding exuberant interest charges to the original opening balance rather than the current balance.

I spoke with Alpheon Credit Card XXXX XXXX XXXX badge # XXXX ), requesting that I pay my balance off with an interest charge on the remaining balance. She was not amenable to this request, so I filed a complaint. 

I will pay the remaining balance so that my credit is not effected. This payment is not an acceptance of the terms and conditions. Alpheon 's practice is predatory and harmful. They know people have to pay their credit cards and therefore believe they can do whatever they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Department of Education is reporting on my Equifax credit file ; as it has been sold to XXXX XXXX. This Is showing up as a duplicate student loan. I have already tried to get this removed several times. Its also falsely reporting a monthly payment. I have checked under studentaid.gov to confirm my student loans and they are not listed. This needs to be removed from my credit file. When trying to locate them in your system ; they are not even listed as a student loan company.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Debt collection

I received a letter from Asmsher collection services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX stating that I owe XXXX XXXX I checked the box that indicates that the amount is wrong and returned by certified mail. I have since received another letter from XXXX XXXX XXXX XXXX XXXX XXXX a debt collector,XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX Al XXXX dated XX/XX/XXXX indicating the same amount, yet with no itemization of the amount in question. I switched mobile carriers in XX/XX/XXXX and was told by XXXX rep that I could not make the switch until I cleared my account, which I did. Prior to receiving these collection letters, I emailed XXXX XXXX and XXXX XXXX at XXXX requesting an itemization of the charges in question and did not receive any follow-up. I pulled my credit report and saw that it appears as a negative account from Amsher collections.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, or personal loan

Applied for a XXXX loan with this place. Went through the entire process. Was approved and the final thing that need done was possible employment verification and a phone call to confirm I was who I say I was. Got a call the next day and was told my amount was reduced to XXXX. Said the income amount of XXXX was not enough for the loan amount I requested. That would have been 5 year loan, with XXXX  monthly payment. Credit score was not an issue, debt was not an issue, income was not an issue. They totally fabricated the reason they gave that my income was not enough to qualify for the XXXX. This is a total lie and not a valid reason to be denied.
Product: Credit reporting

FICO ( R ) Score XXXXPowered by ExperianXXXXCredit Rating : FairXXXXGenerated : XXXX XXXX, 2015SEE ALL XXXX FICO SCORESYour score is below the average score of U.S. consumers, though many lenders will approve loans with this score. 
Why did my score changeLEARN MOREKnow more, Save more. Get Your FICO ( R ) Scores Now! 
Get XXXX Reports and FICO Scores to check for potential inaccuracies. 
What 's helping your score? 
No missed paymentsYou have no missed payments on your credit accounts. 
Long credit historyYou have an established credit history. 
What 's hurting your score? 
Collection item and/or PRYou have a public record and/or collection on your credit report. 
Number of collections on your credit reportXXXX collectionsThe presence of public records ( such as a bankruptcy or tax lien ) and/or collections are powerful predictors of future payment risk. If these are valid, satisfying the public record and paying off the collection will not remove them from your credit report. The fact that they occurred is still predictive of future payment risk and will be considered by your FICO ( R ) Score. However, as the items age and fall off of your credit report, their impact on your score will gradually decrease. Most public records and collections stay on your report for no more than seven years - though bankruptcies may remain for up to XXXX years. 
Few current accountsYou have few accounts that are in good standing. 
No installment loansYou have no recent activity from a non-mortgage installment loan. 
High credit usageYou 've made heavy use of your available revolving credit. 
Score TrackerTrack changes in your FICO ( R ) Score and credit rating, based on your Experian Credit Report. 
Your score is automatically updated XXXX monthly and each day you log in. 

Average score is : XXXXExceptional+XXXXVery GoodXXXXXXXXXXXXGoodXXXXXXXXXXXXFairXXXXXXXXXXXXPoor & lt ; XXXX/XXXX/XXXX 2015XXXX 2015XXXX 2015XXXXHow your FICO ( R ) Score is calculatedClick on each score factor piece to reveal more. 
30 % Outstanding DebtWhat you should knowUsing your credit responsibly can positively impact your credit and FICO ( R ) Score. However, maxing out your credit cards and increasing your debt can have a negative impact since lenders may perceive your increased outstanding debt as a sign that you are living above your means. 
I do n't have any public record reporting on my report but yet Experian is saying that I do and that it 's hurting my score ...