23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, ( 2 days after I turned XXXX XXXX XXXX ) I received a demand letter from XXXX stating " resolving a long over due debt is never easy '' demanding that I send XXXX {$100.00} that was allegedly charged off in XX/XX/XXXX ( I was a minor at that time ) I have no idea why I am receiving demand letter from XXXX
Product: Debt collection

- Was made aware of the collection in XX/XX/XXXX - XX/XX/XXXX sent 1692g letter to : [ LVNV Funding LLC ] C O Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Return receipt signed by XXXX XXXX presumable from above company. 
- No correspondence from company as of XX/XX/XXXX - XX/XX/XXXX Was told by my XXXX department that a garnishment order would commence on the XX/XX/XXXX payroll. HR asked if an order was given to me regarding the garnishment. I was not served with any such document. 
XXXX Was sent garnishment from my HR department. Garnishment was not even filed in the county in which I live.
Product: Credit card or prepaid card

A company called XXXX XXXX has been charging my credit card unauthorized {$19.00} per month for a service that I did not sign up for. This has been going on for 9 months ; the amounts were small, and I do n't often check my account online. The bank would only go back 90 days, so only XXXX of the XXXX charges will be reversed. All of this activity is fraud, and should be reversed.
Product: Mortgage

I have a home loan through PNC. I lost my job last XX/XX/XXXX and when I did I contacted them and told them what happened and that I would need assistance with my mortgage. They sent me a huge packet to fill out. I filled that out and got all the required information together and faxed it back to them. It cost me {$140.00} to fax it to them. Two weeks went by and I did n't hear anything. Then a couple months went by. I called and was told that I had been taken out of loss mitigation and put into forclosure for non payment. I said wait what? I filled out the packet and sent everything in. I called and left messages and no one called me back. So the lady told me that they needed more information. They needed my grocery receipts to prove I bought groceries, a bill for HOA fees ( I told them I do n't pay HOA I pay condo fees and I do n't get a bill ). A lot of stuff I ca n't get or that does n't exist. They wo n't work with me at all. I made a {$1200.00} payment and they said they are sending it back. They refused my payment!!!! Is n't there a law about refusing a payment that it 's considered bill paid in full? This bank is horrible period. They absolutely will not work with me at all and I have been trying for months. I have a little girl and husband. I 'm now connected with XXXX but they recommended I file a complaint with you. I 'm hoping you can help as well. Something has to be done with this company. It 's ridiculous.
Product: Credit reporting or other personal consumer reports

I was a victim of this data breach delete these accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of Identity theft and after presentation of law enforcement documents to each of the major credit bureaus the fraudulent account were blocked/removed. However, to my dismay the account have been placed back on my Experian Credit Report without any acknowledgement of reason or method of further validation ; which is a direct violated of my consumer rights under FCRA 605b and 611.The account that are fraudulent are : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Inquiries On All Three Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( which is reported multiple times ), XXXX XXXX XXXX ( which is reported duplicate )
Product: Debt collection

Moneylion will not take my notice that they no longer have permission to debit my debit card or bank account. They are refusing even though it is my legal right to rescind this permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reccently, I did an investigation on credit report which caused me to develop XXXX and XXXX upon finding out that unverified, invalided, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX of 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 Thank you very much for your time.
Product: Credit card

Its pretty simple. My wife and I booked a trip to XXXX place on our Chase Credit card in XXXX for {$180.00}. We had to cancel and XXXX issued a refund to Chase for {$180.00} in XXXX ( we never received ). Between XXXX and XXXX our card number was stolen and Chase issued a new card number. It is now XXXX and Chase refuses to forward the refund from XXXX to our account. I feel like we are caught in Chase red tape because our card number changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX {$370000.00}
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. 

You are also violating my rights under XXXX P.S. XXXX et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 


This negligence to remove these fraud information has caused me great stress and a very low score on my credit report here are the following fraud accounts XXXX XXXX XXXX XXXX XXXX XXXX that are not related to me what soever XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Also the XXXX addrese never lived there XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and finally these inquirires that I have not requested any service with these creditors on the dates mentioned XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an adequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. ) Specifically, Cash App fail to take timely and efficient measures to prevent an 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 ( RFTA ) and regulation E. These actions have caused in significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD Bank Credit Cards XX/XX/2018 I noticed this credit inquiry run on my report which I did not authorize. Can I please have it removed. I would also like proof of documentation.
Product: Debt collection

XXXX from XXXX in XXXX CA has called multiple times threatening to have me arrested if I do n't pay back an overdrawn bank account that was closed over ten years ago. Has used profanity on many of calls and physically threatened me.
Product: Credit reporting or other personal consumer reports

I request that they thoroughly investigate this issue and remove or correct any inaccuracies. As required by the Fair Credit Reporting Act ( FCRA ), I expect a full investigation into this matter within 30 days of receipt of this letter, and I ask that any incorrect or improper information be deleted or amended accordingly. Although they have not have responded in an adequate matter, they need to properly investigate as per law. My resolution to this is if the items being disputed is if the items are not verifiable or is inaccurate please DELETE. My credit report has to be reported accurate per law.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally lodge a complaint against Experian for its willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and to demand immediate action pursuant to my rights under federal law. 

Background The following account appear on my credit report as negative items XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This record have been deleted from the record of the original data furnisher, XXXX XXXX This was confirmed by a direct inquiry with XXXX, which no longer maintains these records. 

Legal Basis for Dispute 1. Inaccuracy of Reported Information Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Because the source of this information, XXXX, no longer maintains these records, Experian is reporting inaccurate and incomplete information by continuing to include these items on my credit report. 

2. Obligation to Remove Information FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) requires the removal of inaccurate items from the credit report within 4 days of a dispute being submitted. Given that these records are demonstrably inaccurate, Experian 's failure to promptly remove them violates this statutory obligation.

3. Willful Noncompliance Under 15 U.S.C. 1681n, Experian is liable for willful noncompliance with the FCRA. This includes failing to conduct a reasonable investigation into the accuracy of the disputed items and failing to act in accordance with the law to ensure only verified and accurate information remains on my credit report. 

Demand for Resolution I demand that the following actions be taken immediately : The removal of XXXX XXXX XXXX XXXX XXXXXXXX ( Account Number : XXXX ) from my Experian credit report within the time frame required by FCRA 605 ( b ).

Confirmation from Experian that these items have been removed, along with a revised copy of my credit report reflecting these changes.

Request for CFPB Action I respectfully request that the CFPB investigate this matter thoroughly to ensure Experian complies with its legal obligations under the FCRA. This is a clear case of willful noncompliance, and I expect immediate corrective action. 

Enclosed are copies of supporting documents, including correspondence with XXXX confirming the deletion of these records and my dispute history with Experian. 

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

I am submitting this statement to formally dispute and request an investigation into an inaccurately reported collection account on my Experian credit report. I believe this account has been reported incorrectly and should be investigated and removed. This misinformation is adversely affecting my credit score. The account details are as follows : US DEPT ED XXXX Balance Owed : {$1200.00} US DEPT ED XXXX Balance Owed : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint is reporting incorrect information to the credit bureaus regarding the status of my account. This is the 2nd time in just over 2 months that they have submitted incorrect information regarding my account to the credit reporting agencies. This is causing me hardship and potential monetary loss, especially in these times of covid-19. 

First of all, the account is not 30 days late as they keep reporting but is current. 

Additionally, a past due amount of {$2500.00} is being shown. I would like to see a detailed itemization of that amount. I have previously written to shellpoint numerous times regarding spurious charges on my account and no one has replied back to me. I again sent a letter dated XX/XX/XXXX and now XX/XX/XXXX asking for an explanation of this as well.
Product: Debt collection

I sent XXXX XXXX XXXX ( Debt Collector ) a notice of validation of debt in accordance with the FDCPA. I did not receive the proper information to satisfy my legal request concerning a XXXX dollar debt I allegedly owe. Veterans United has notified me that XXXX XXXX  XXXX XXXX XXXX is a debt collector and is servicing my loan. I would like XXXX XXXX XXXX to provide me sufficient evidence or information concerning the validity of this loan/ alleged debt in accordance with FDCPA.
Product: Credit reporting or other personal consumer reports

Following my divorce, my ex-wife, XXXX XXXX XXXX, fraudulently opened accounts in my name, without my knowledge or consent, and forging my signature, obtained and opened several accounts that I am not legally responsible for. I have attempted to rectify these issues with XXXX consumer reporting agencies, XXXX, XXXX and Transunion in the past, with little to no success. I have filed a proper Identity Theft Report ( # XXXX ) with the Federal Trade Commission. All three of my credit reports contain several accounts that are a result of this identity theft. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

On XXXX/XXXX/2017 around XXXX I begin to receive text alerts from my Bank Union Bank also known as MUFG Union Bank stating there was unusual activity on my account. They verified me and confirmed my ATM card was in my presence. While speaking with them and going over transactions, the fraud agent proceeds to tell me I would not be able to file a claim on the transactions until they process and come out of my account. 

I have a Checking and Savings account, the savings account also acts as the overdraft protection component to my checking, not only did they pay the transactions, the went into my savings account depleted it. Upon my multiple calls to follow their horrible policy, I 'm told I would have to return the money to my savings account ( are they serious ) I made to wait until XXXX/XXXX/17 to have the money returned, well here we are at XXXX/XXXX/17 only a small portion of money was returned, not a dime of my savings nor have the overdraft fees been restored. I need help to make them accountable for their horrible actions towards their customers and I need all my money returned unto me, every red cent. This Bank has stolen money from me with no accountability for me the consumer.
Product: Debt collection

I believe this account is a fraud. Please see attached XXXX - XXXX SERVICE XXXX
Product: Checking or savings account

On XX/XX/year> I requested a XXXX  of XXXX to an external account. It was declined, but my Savings account was debited XXXX and never replaced after nearly 2 weeks
Product: Debt collection

Despite my efforts and successful removal from other credit bureaus, this particular account continues to plague my credit report, as if no corrective action has been taken. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It's like participating in a never-ending magic show, where some fraudulent accounts vanish into thin air while others stubbornly linger, refusing to take their final bow. I must admit, your bureau 's ability to keep me on the edge of my sanity is truly impressive!! 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have previously submitted dispute letters and provided supporting documentation to the other credit bureaus, resulting in the successful removal of this fraudulent account from their records. However, it remains present on your credit report, causing ongoing distress and affecting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to a car dealership and purcase a car in my business name only with my tax ein number i have good business credit the dealer told me that they will not use my social number to buy but four verification only so it was done i got my company car in my company name one month later i check my credit report and had alot of inquiries i did not authorize { 1 } XXXX XXXX { 2 } XXXX XXXX { 3 } truist dealer servic { 4 } XXXX XXXX XXXX { 5 } XXXX XXXX XXXX
Product: Debt collection

Credit control , LLC it's abusing the charger interesting in the fictive debit account.
Product: Credit reporting 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  Account XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

I sent in a complaint on my XXXX complaint # XXXX how XXXX  is lie about how I pay them XX/XX/2016 and it never happen they are just trying to stay on my credit longer I was able to log in my XXXX XXXX so I would love if I can get this complaint sent over or told again so I can know there response please and thank you cause there liein I never pay them XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report the other day because i'm trying to get me a XXXX XXXX and I notice a couple of items on my credit report that are not mine. I need these items deleted from my credrt report because they are not mine. XXXX, XXXX XXXX, XXXX XXXX. I reached out to the FTC and my local police. Im doing this on my own behalf. There are also inquires on my report that are not mine as well. XXXX, XXXX NA XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

US bank is creating fraudulent information in my name. I have asked them to cease this illegal action and they are refusing. this is not only my right but also their legal responsibility. US Bank is claiming they closed a account in my name in 2018 leaving a balance of {$170.00}. 

the transaction claimed to have cause {$170.00} in overdraft fees was declined and returned us banks own policies took 5 days to recognize them to charge {$35.00} dollars a day in overdraft fees which they continued to do for 5 days. This practice is illegal. and violates my rights and neglects their lawful duty. i demand this account be closed and removed and i be granted payment for my financial loss pain and suffering for the years of financial harm resulting from this malicious act. 

this has stopped me from opening bank accounts, getting a vehicle, driving my children to school, maximizing my credit, providing financial disclosers. has given me anxiety dealing with the financial world and affected my ability to live my life.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX