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

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are 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 : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There appears to be a couple fradulent accounts that were opened at a previous address of mine. Ive constantly contacted the companies as well as contacted my local police department. It was XXXX XXXX opened XX/XX/2015 with a balance of {$2900.00}. Also, a XXXX XXXX account opened XX/XX/2015 with a balance of {$450.00}. Theres also a XXXX account showing in collections with No balance which doesnt even make sense
Product: Prepaid card

On XX/XX/year> I had two unauthorized transactions and asked for a replacement card and my money back and they haven't been helpful or even responded to any of my complaints
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia SoFi Bank, N.A. Personal Loan XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Account Number XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom it may concern I XXXX XXXX a living breathing man as created by God, I am hereby in good faith exercising my right under 15 USC 1635 ( a ) ( f ) to rescind the transaction with SOFI Account Number XXXX Yours Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX Account name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had received the alert from my Experian Credit Report. about the over usage on one of my credit cards for XXXX XXXXXXXX XXXX XXXXXXXX XXXX When I checked, it says that, " Your XXXX XXXX XXXX XXXXXXXX acount 's Credit Usage significantly increased to 102.0 % with the Credti Card Limit of {$1000.00}. Also, the same account also has the Address Changed information. I was under impression that someone opened up the Credit Card on XXXX XXXXXXXX XXXX XXXXXXXX and later on changed the address. Hence, I called the XXXX XXXX XXXX  XXXX and Experian to report the same issue since this Account doesn't belong to my name and I also have't changed my address recently.. The Customer Representative from XXXX XXXXXXXX XXXX XXXXXXXX couldn't find this account under my name but he was further going to investigate about this matter and send out information to Experian. I was also told by Experian Customer Representative to file a complain on Consumer Financial Protection Bureau. Hence, I am filing the same to resolve this matter. It has affected my Experian Credit Score very badly. Please take the appropriate action in order to resolve this matter and get the resolution as soon as you can. Thank you!!
Product: Credit reporting or other personal consumer reports

Despite my previous written requests for TRANSUNION to provide me with the name of the person in their company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file they ignored my rights and instead told me that they are labeling my dispute as XXXXrivolous. Their actions clearly demonstrate their willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and their responses to them. 
1. The following personal information is incorrect 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 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 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

I helped a friend bail out of jail and they were going to take care of their bail but never did. I did everything in my power to get the person back into custody including going to the XXXX on a free trip paid by the bail agency to get her back.
Product: Debt collection

I am writing to formally dispute an item that has been reported on my credit file. The account in question relates to medical collections that were billed to me in error and should have been submitted to XXXX as insurance coverage was active during the time of service for my daughter. The account details are as follows : Collection Agency Name : XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Number : XXXX Date of Service : XX/XX/year> Amount Reported : {$680.00} and {$540.00} I have repeatedly contacted the collection agency to advise them of this error, providing clear information that this bill was for my daughter, who was fully covered under XXXX during the service period. Despite my efforts, the collection agency failed to address the matter appropriately or follow up to obtain the necessary information from XXXX XXXX Instead, they continue to harass me with phone calls for a balance that is not my responsibility to pay.
Product: Credit reporting or other personal consumer reports

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Vehicle loan or lease

The Company is failing to acknowledge the US bankruptcy # XXXX and how it dissolved the XXXX. XXXX. They are also failing to obey Presidential orders to dissolve the debt.
Product: Credit card

I was charged {$900.00} in XXXX XXXX  for interest on a promo code purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mortgage payment was made XX/XX/XXXX bringing account current when it was previously 30 days past due. 
Credit Bureau was last updated XX/XX/XXXX showing 30 days late. 
XXXX and/or all three credit bureaus did not and have not yet updated reports showing I am current and it is now XX/XX/XXXX XXXX says they reported on XX/XX/XXXX ( see attached letter ). However all bureau 's still show 30 days late with no update from XXXX since XX/XX/XXXX. 
I have been waiting for the status to update so I may buy a more reliable car but I need my score to go up just a couple more points to qualify. When XXXX no longer shows 30 days late this should help. 
Unfortunately XXXX is still reporting 30 days late and when I call I was told three times that they have already sent the update to the credit bureaus. But - still no update. 
I am going to have a problem with having reliable transportation if the is delay much longer. The have not been truthful in communicating their reporting ( see attached ) and are in violation of the FCA.
Product: Money transfer, virtual currency, or money service

Venmo froze my account for no reason. I have {$3000.00} in my balance and I cant do anything with it. They asked for my ID, which I had already sent them. I resent the ID and now they refuse to answer me. This company refuses to unfreeze accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXXXXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Product: Debt collection

I was in the middle of negotiating a payment plan with the doctors office I had recived treatment from- 'XXXX  XXXX XXXX  '. She left a message on my phone when I was at work on a Friday and threatened me that if I did not remit payment in full that day, she would send my account to collections-. When I got the voicemail I called back immidietly but it had been too late and my account had been sent to collections. I got a call from " Fidelity Collection Agency '' and they asked me for payment. I immidietly told them I was contesting the validity of the claim, I did not think the collection was valid, had been informed about the collection over voicemail and had not been given a proper time to pay. 
They ignored me and said that it was valid since it was with them now, and they wouldnt have unvalid claim ( this made no sense ). I asked for proof, they provided non. They were extremely aggressive, and warned me if i didnt pay it would ruin my credit and stay on my credit for years. 

They also lied about saying they send me a settlement offer by email, i never received it. When I asked to have it resent they refused. I am not comfortable with this.
Product: Checking or savings account

Hi, On XX/XX/, Chase Bank closed my checking account with around {$12000.00}. I went to the branch to collect my money and they said they could not give me my money and to call Chase. After calling Chase they said I will get a check in the mail within 10 days of the bank closing. Today is the XXXX day and I tried calling Chase but am not getting no response. I am a college student behind in my college payments because of the chase. Thanks again. Have a great day.
Product: Mortgage

My home loan has been under a modification program as of XXXX/XXXX/2015 with our previous lender, the loan was then transferred to Green Tree Servicing LLC in XX/XX/XXXX, since then they have failed to honor the terms of the program. I filed a complaint with the CFPB ( Complaint No. XXXX ) and received a response, and disputed the response. The terms of the Modification program state no payment is to be made until XXXX/XXXX/2015, and due to all of the problems ( including letters from an attorney stating escalation of foreclosure ) I was in the process of trying to complete mortgage refinance documentation with another lender when they informed me that Green Tree had filed a negative report on my credit report stating my loan is over 180 days past due. I have had to spend numerous hours, resources, etc. following up with Green Tree to offset foreclosure measures, documentation inconsistencies, etc. I am aware of their unfair and unethical business practices as of the most recent XXXX fine imposed against them for these deceptive business practices and do not wish to continue my business with them, however until they report back to the major credit reporting agencies that the information they have reported against me is incorrect I can not move forward. Please help, continually having to gather information and file complaints is getting cumbersome and I do not have the time to keep making this lender do the right thing.
Product: Debt collection

I was reached out to last XX/XX/XXXX claiming I owed roughly around XXXX dollars for a XXXX workers comp policy for my company. I let them know that we did not sign up willingly for any workers comp policy but they continued to harass with numerous calls. 

Late XX/XX/XXXX a man named XXXX from their company reached out threatening legal/escalation for the matters if we did not pay. He scared me into signing up for a payment plan but the following Monday ( 3 days after speaking with him ) I reached out to XXXX and turns out they did have a workers comp policy for us but it was wrongly charged. The time period they " provided '' coverage for my company they estimated XXXX more than we ever did in business during that time. I reached back out to XXXX and another one of his associates and let them know I will not be going with a payment plan and instead resolving the wrongful amount directly with XXXX so that an audit can be properly done because we would not owe anywhere near XXXX dollars we would only owe a small amount of money if we even did ask for the workers comp policy. 

They have continued to call and harass me, and they have also send numerous letters to an old address of mine saying " you did not pay as promised '' and trying to get me to pay them even though we dont owe them. 

The company name is " Receivable management services LLC '' XXXX XXXX XXXX XXXX, PA XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX Reference : XXXX Creditor : One Advantage, LLC XXXX XXXX XXXX XXXX XXXX XXXX La XXXX, IN XXXX XX/XX/2022 Dear One Advantage, LLC After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2022. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX  does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and XXXX  authorization. 
Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be XXXX  compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit card or prepaid card

The Discover Card advertised a 0 % for 18 months on balance transfers. When I called the company to ask what the amount of the first payment, it was double the amount of what 0 % would be. Instead of 0 % of XXXX the total balance, which would be a {$61.00} monthly payment, they said the monthly payment was {$120.00}. They said I am being charged 2 % of the total balance. They did not state of disclose this in the application and terms and condition when I applied for the card. This is misleading and predatory lending by not making it clear the terms of the card, and enticing applicants to believe they will be paying 0 %, which I was lead to believe by lack of disclosure on the part of Discover Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

- I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Product: Credit reporting or other personal consumer reports

I supposedly signed up for a credit card in XXXX  called XXXX. I NEVER DID. I have been trying to get this wiped from my credit report for years now and each time the case gets closed with the card company in favor. The fact of the matter is this .... I spoke to XXXX " Fraud Investigation '' and they confirmed that this card was NEVER received NOR was it EVER used. The balance they are trying to collect from me is completely unethical and is supposedly XXXX XXXX fees!!! If I never received the card, HOW AM I LIABLE?! Not to mention that I never signed up for it to begin with. I can't get TransUnion to resolve this for me as the card company keeps saying I owe and that XXXX XXXX XXXX  is now the collector for this account which makes no sense at all seeing as though THIS IS COMPLETELY FRAUDULENT IN EVERY WAY. Beware of XXXX. They will ruin your credit report and you'll never get a resolution.
Product: Credit reporting or other personal consumer reports

denied an extension of credit by Synchrony Bank XXXX,2023. 1 applied for a credit card with XXXX  XXXX XXXX  As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ).

has violated my federally protected consumer rights.

1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002 proof and evidence that I have been discriminated against, you are also criminally liable.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found that SECURITY CREDIT SERVICES obtain and used my information under false pretense which causes actual damages to my credibility. To obtain and use someone information without their consent is " IDENTITY THEFT ". I am asking SECURITY CREDIT SERVICES to provide me with a copy of a contract to prove that I give them permissible purpose to obtain my information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this company has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 would like to obtain my updated Experian report.