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

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act, I have right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a verification or proof of my mailing address but for VALIDATION made Pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, Experian ) this action might constitute fraud under both federal and state laws.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I reported to Paypal a series of unauthorized charges and withdrawals from paypal to a lost/stolen debit card. The closed my case on XXXX and I since then tried to get it reopened and they without investigation immediately closed the dispute case on XX/XX/XXXX. I also received notification from Paypal that there was an outstanding balance on my pay pal account which I have for over decade at this point, stating I owe a XXXX. When I called and looked further into the activity on my account I realized that someone sent money to themselves claiming to be " XXXX XXXX '' from an email address that I got locked out of and could not access at the time ( XXXX ). The were fraudulent emails and correspondence sent back and forth which appeared to be from ( teamdiamondpromotions ) paypal account, which in fact that was not the case, leaving me in the negative plus a XXXX XXXX  fee that incurred as well. They still have yet to resolve this issue and as I explained there has been a significant amount of fraud with my bank account and as well as hackers accessing my email. I want my money back immediately!
Product: Vehicle loan or lease

After a nightmare dealing with this bank from the very first month, I paid off my loan 16 months early Ally Bank received the final payment on XX/XX/2022 by Priority Mail Receipt. On XX/XX/2022 they sent me 'Congratulations ' on paying off the loan and the confirmation of Lien Release . I hadn't received the Title of the auto as yet, so wrote them a letter making the request on XX/XX/1022 ... .this was after requests on Social Media , without response. It is now SEVEN MONTHS after satisfying my loan early ... .AND STILL NO TITLE or response to my letter. This appears to be common practice with this company, as I have seen many similar problems both on XXXX  and Social Media sites.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting or other personal consumer reports

After checking all of my credit reports I've noticed some items were removed from my XXXX credit report due to the items can not be validated and there was also no proper verification being done by the credit agencies, but the items still have not been removed from the other following credit agencies TransUnion and XXXX. 
The following accounts as follow : XXXX  XXXX, Account # : XXXX XXXX  XXXX, Account # : XXXX XXXX XXXXXXXX, Account # : XXXX XXXX XXXX XXXX, Account # : XXXX XXXX XXXX, Account # : XXXX XXXX XXXX Account # : XXXX I am writing to dispute the validity of the debt you are attempting to collect, as referenced above. I received your letter about the account being verified regarding this matter, however by law the credit agencies are required to follow reasonable procedures to assure maximum possible accuracy of consumer reports and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. After careful review of my records and the information provided, I have identified several discrepancies and inaccuracies that need to be addressed. 
Firstly, I dispute the amount of the alleged debt. There seems to be a discrepancy between the amount you claim I owe and any records I have pertaining to this account. I request a detailed breakdown of the debt, including the original creditor 's name, the original account number, dates of transactions, and a comprehensive breakdown of any fees or charges that have accrued. 
Secondly, I have not received any validation or verification of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide me with proper validation of the debt, including copies of the original contract or agreement, any statements or invoices related to the debt, and proof of your authority to collect this debt. By law as it states in 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), BEFORE the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. This means the items are required by law to be removed before the investigation is even completed which was never due by law.
Product: Credit reporting

Multiple inquiries appeared on my credit and they wo n't delete them when I have n't applied for anything in years
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has failed to take timely and effective measures to prevent and address fraud on its platform, leaving my account openly 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 inconveniences and various random financial losses not in my cause or control, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue with my account, where an old address and incorrect names are being reported. I no longer reside at the listed address, and the names associated with my account do not belong to me.The credit reporting agencies are violating my rights and failing to comply with FCRA laws by inaccurately reporting incorrect names and addresses on my credit report. 
Here are the following errors I found as per the FCRA : XXXX XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX XXXX This is not the correct spelling of my name. 




XXXX XXXX This is not the correct spelling of my name. 






XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This is XXXX XXXX XXXX XXXX  and I do not live here nor is this address deliverable to me by the XXXX Postal Service XXXX XXXX FCRA. Immediately delete this address because your company has illegally mixed or merged someone else 's address and other personal information in my credit report. 


XXXX XXXX XXXX XXXX XXXX, NJ XXXX This is XXXX XXXX XXXX XXXX and I do not live here nor is this address deliverable to me by the XXXX Postal Service XXXX XXXX FCRA. Immediately delete this address because your company has illegally mixed or merged someone else 's address and other personal information in my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This is XXXX XXXX XXXX XXXX and I do not live here nor is this address deliverable to me by the XXXX Postal Service per the FCRA. Immediately delete this address because your company has illegally mixed or merged someone else 's address and other personal information in my credit report. 


You are still reporting an old address that I no longer reside at. I attracted my Social Security card, a recent utility bill, and an updated copy of my drivers license as proof of my current address. I kindly request that you update my account with this accurate information to ensure my credit report reflects where I actually live XXXX XXXX XXXX XXXX, NY XXXX and my name XXXX XXXX XXXX XXXX not the correct spelling of my name.
Product: Checking or savings account

Received a voicemail and message from my mom regarding a civil suit for a breach in contract with Fifth Third Bank from a checking account for $ XXXX XXXX that was XXXX in XX/XX/XXXX. Informed that notice would be served to my employer on XX/XX/XXXX of the balance was paid along with litigation filing fees.
Product: Credit reporting or other personal consumer reports

My personal information was compromised in the 2017 Equifax data breach, which exposed my sensitive data without my consent. As a result, my credit report contains inaccurate negative items, including collections, late payments, and hard inquiries that I do not recognize. These items are unfairly impacting my credit, and I believe they may be the result of identity theft or errors related to the breach. I have attempted to dispute these inaccuracies with the credit bureaus, but they have not been resolved. I am requesting the Consumer Financial Protection Bureaus assistance in ensuring these items are properly investigated and removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is an account that has been reporting incorrect information. When Experian was notified they sent a letter in response asking for verification of address. before verification was even sent they closed the dispute. When called them said the account was updated didnt list how it was or in what manner. Account still has no information that relates to me as a user. All personal information on account does not match any XXXX address Ive ever resided at. All information ok account does not match XXXX file. When asked how dispute was ran they stated we asked the company and they said it was correct. Verbally stating they did not actually run dispute. This has been the XXXX situation theyve not ran the dispute and had to come back and remove a file after fraudulently claiming they ran a Dipsute at FCRA standards. They have continuously stated they have but will not actually run dispute correctly unless legal actions are taken against them. They have XXXX validation for debt as their source lexusnexus has no information for debt.
Product: Consumer Loan

There us an account added to my credit report from Exeter finance. This account does n't belong to me. I want it removed. Please verify social security number. My ss # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These documents are for the fraudulent collections account on my credit report for {$870.00} the original creditor is XXXX XXXX XXXX XXXX agency XXXX XXXX / XXXX XXXX XXXX XXXX. I am requesting this account be removed.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXXXXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024, XX/XX/2024, XX/XX/2024, AND XX/XX/2024 to be removed They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to MB FINANCIAL XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or MERCEDES-BENZ FINANCIAL SERVICES 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending certified, return receipt letters to TransUnion on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$3000.00} from XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX L XXXX XXXX XXXX XXXX XXXX 
XXXXXX/XX/XXXXXXXX Account # [ XXXX ] XX/XX/year> Dear CFPB, I am writing to file a complaint against XXXX XXXX for violating my consumer rights. 
I allege that XXXX XXXX has : Failed to provide validation information as required by 15 USC 1681i ( a ), specifically 12 CFR 1006.33 ( b ) ( 5 ).

Placed a collection account on my consumer report with
out providing me the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Engaged in false, misleading, and deceptive practices in their collection efforts.

Furnished information to consumer reporting agencies without providing required disclosures as required by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ). 
Continued to attempt collection of a debt beyond the statute of limitations for the state of XX/XX/XXXX 
I am disputing the entire debt owed to XXXX XXXX and revoking their authorization to communicate with me via email, text, or phone. I am requesting the original purchase agreement between XXXX XXXX and the original creditor, as wel as proof of XXXX XXXX licensing and bonding. 

XXXX XXXX XXXX im requesting the purchase agreement the original documentations I am requesting that the CFPB investigate these allegations and take appropriate action against XXXX XXXX. I am enclosing copies of supporting documentation for your review. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America : Senior Account Manager was cooking XXXX on their stove, engaged in XXXX XXXX of XXXX purchasing and or selling of this XXXX XXXX, XXXX was a compassionate problem but the overwhelming abuse in the relationship caused nearly fatal consequences Bank of America should respond to the issue specifically on if they have a published public statement on drug use, intervention and other conversational matters of utility concern ( XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I am writing to report multiple violations to the Free Credit Reporting Act. XXXX XXXX XXXX is reporting a related to fraud item to the credit bureaus. I tried to solve this issue with them in the past by sending them a dispute letter. Up to today, they have failed to help me. 

I am demanding thsi company a deletion letter and to remove the following item from my credit report : - Kay Jewelers. Account # XXXX, opened XX/XX/2016. Closed date XX/XX/2016. Limit {$1400.00}, balance {$0.00}. 

If they fail to honor my request, I am willing to let a court decide. Here are the violations that the have committed : - Failing to validate debt - Unfair business practices. - Negligence. - Breach of contract. - Reporting false and erroneous information. Violation to section ( 609 ) of FCRA. 

Please send the attached documents to Kay Jewelers. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter disputing the following inquiries. They are still on my report more than 30 days later. 


I asked for proof of permissible purpose of these inquiries, but I never received them. The inquires were reported as verified although no proof of this verification was presented. 

This is illegal according to federal law - 15 U.S. Code 1681n - Civil liability for willful noncompliance : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( 2 ) such amount of punitive damages as the court may allow ; and ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Debt collection

XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.