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

It appears that my credit with you has been compromised! It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report XXXX XXXX. This is my six attempt to notify you that I am a victim of incorrect credit report details and I write to dispute these items in my file resulting from this issue. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an incorrect credit report entry. I am re-attaching my FTC report for your reference : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy, and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

XXXX XXXX XXXX XXXX  at XXXX XXXX. XXXX XXXX XXXX Arizona sent a manufactured charge to collections after I moved out of the apartment I lived in XX/XX/2022. 
They have listed multiple utility charges for the month of XXXX even though I moved out on the XX/XX/XXXX as stated in the move out statement. 
On top of that there is a carpet cleaning charge that was initiated which they already have advertised in the beginning of the lease for 1 free carpet cleaning service which they have never performed. 
They have sent {$92.00} to a collection agency called NATIONAL CREDIT SYSTEMS INC. 
I would like to have XXXX XXXX XXXX to be investigated since they are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe there could millions of victims with such similar or same fraudulent & manufactured charges sent to collections. 
I also would like to ask for an investigation if there is any investor relationship between XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and National Credit systems Inc National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX, that both parties may be working together to defraud unsuspecting tenants of Millions of dollars every year.
Product: Mortgage

The IRS sent form 1099C for the cancellation of the debt. The Company which is Compu Link Corporation ( FHA case # XXXX ) has not cancelled out the debt nor have they XXXX  out the balance and have sent me threatening letters in the mail. The form was sent to them on XX/XX/2023. 18USC Section 241.
Product: Credit reporting or other personal consumer reports

I did a review of my credit report and noticed that I had late payments on an account and I have never been late according to the credit reporting agencies and they have assumed a vital role and responsibility of submitting consumer information to the maximum accuracy. I have never been late in payment of this account XXXX XXXX XXXX XXXX please investigate and provide proof of status showing that these payments are late, if proof can not be provided I demand that this payment be updated in a timely manner, because I I have not been behind on this account. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of inquiry issue. Misreported inquires. Their customer service would not help and take care of the negative inquiries reporting to your credit report. 

Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , OH XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , MN XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, MI XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , DE XXXX | ( XXXX   ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX , PA XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX , PA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX  , MI XXXX | ( XXXX ) XXXX
Product: Checking or savings account

- Opened checking account with Citibank in XX/XX/XXXX - XXXX Debit Card Initial Funding Internet from account XXXX for {$25.00} - Closed account soon after - Called many times since to request refund of {$25.00} - Case File # XXXX - Sent proof of address on XX/XX/XXXX to fax number XXXX - Filed a complaint with " XXXX '' on XX/XX/XXXX - Expected a refund check by XX/XX/XXXX. To this day, unable to obtain refund.
Product: Debt collection

I hope this letter finds you well. I am writing to address the late payments listed on my credit report. Upon reviewing my credit history, I noticed that there are late payments reported for the accounts XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT LETTERS MORE THAN 30 DAYS AGO EXPLAINING THE DIRECT VIOLATION OF REPORTING ON MY CREDIT REPORT. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b
Product: Checking or savings account

I made an atm cash deposit at 5/3rd located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/year> The screen said unable to accept deposit and it didnt give back the cash It did ask me to tell amount which at the last minute I took out some money because they werent flat and ofcourse the XXXX time I didnt know the exact amount it didnt deposit I had a fair amount of cash on me from the holidays but it was between XXXX. I went in the branch and gave them the error record it printed out and they had no idea what to do and told me to call the dispute number. I did they seemed to not have any answers the lady did note that the exact amount wasnt known but said it could take up to 45 days which is ridiculous in this day and age. Any help would be greatly appreciated. 

Case # XXXX
Product: Credit card or prepaid card

Bank of America ruled in favor of mercant on a fraud cliam I was charged {$42.00} on a charge that I purchased pizza in XXXX Ny at that time I was a patient at XXXX XXXX Hospital suffering from XXXX in XXXX XXXX Mo. My account ended inXXXX l told the bank and was willing to have all my drs. State l I was a patien in the hospital also would support my stay the bank the merchant had a signed receipt but the bank never asked for my signature which would of shown the fraud signing. Also my right hand not movable I offered to send Bank of America proof of my stay in which they did not want I feel their fraud investagtion was in favor of merchant This same crook made other attempt. To use my name to make purchased. We were able to stop him.He tried to get a credit card in my name giving a false address in XXXX a Vacant house. I have every reason to believe Bank of America was biased and favored XXXX XXXX instead of doing complete ivestation. For XXXX year old man who never had black mark  on my financial record I feel my proof of evidence was not acceptable. Thank you so very much for helping me XXXX XXXX XXXX XXXX number XXXX XXXX XXXX
Product: Debt collection

plaza services llc Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX | ( XXXX ) XXXX Was reported on my credit report. 
15 USC 1692C states ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than XXXX business days after the date reception. It has been 30 days and you 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, XXXX U.S.Code XXXX Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}.
Product: Checking or savings account

I have a checkjng account with Debit Card through Regions Bank, XXXX, Alabama. On XXXX XXXX, XXXX the ending balance on my account was {$210.00}. The next business day after that date was Tuesday, XXXX XXXX, XXXX. Over that weekend there were twelve charges for purchases and one cash withdrawal a total of {$200.00}, leaving an available balance of {$14.00}. According to my statement, the last and final charge to my account that day was a {$210.00} fee for six ( 6 ) insufficient funds charges. 
On XXXX XXXX, there were charges made to the account a purchase of {$32.00}, a locksmith charge of {$120.00} and a fee for two ( 2 ) overdraft charges of {$72.00}. 

I do not question the final charge for the two overdraft charge fee but do question the charge made against my account on XXXX XXXX, for the six overdraft fees ( {$210.00} ). I was told by the branch manager of Regions Bank, XXXX, Alabama that the overdraft for which these charges were made actually occurred because of the two charges which were processed by the bank on XXXX XXXX, XXXX. 

I realize that this does not involve a lot of money but I believe the charge made to my account for the six overdraft charges came only from an unreasonable, unfair and self-serving interpretation of its fee policy by Regions. In effect I am being charged for overdraft that never existed. At the close of business on XXXX XXXX, XXXX, there should have been a balance of {$14.00} in my account and would have been that if not for the {$210.00} charge for the overdrafts that had not occurred, I would also like to also like to refer your attention refer your attention to the Online Banking statement from Regions. Please refer your attention to the account Summary section at the top of the statement which shows the Posted Balance, an itemization of all pending charges and then what is shown as " Available Balance ''. I was told by the Branch Manager that Available Balance did not mean what it says, that it could be affected by charges which had been received but not yet processed by the bank The two ( 2 ) charges  made to the account on XXXX XXXX, apparently created the overdrafts which were charged on XXXX XXXX. 

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Product: Credit card or prepaid card

Ok so I bought a XXXX vr system from Walmart.com and so I get the product but I decided that I want to return it because I didnt really like it so it turns out that its a merchant linked to Walmart.com so I checked the contents and a usb cable was missing to begging with so the merchant said how can that be? Im yeah I want to return it cause its incomplete but anyways I changed my mind about and I just want a refund and return it so the merchant says ok heres the rma # and I return it I also had to pay the shipping to return about {$29.00} dollars to ship it back so I talked to the merchant on why I havent got a refund and they said this to me that ITS NOT THE SAME PRODUCT THAT THEY SEND ME AND THAT THE SERIAL # S DONT match when Im fact I send the merchant exactly what the same item that I got so synchrony bank says there gon na look into it and I just got a letter from them saying that they cant give me a refund because I still got the product that the merchant sended me WHICH I SENDED BACK TO MERCHANT? So neither the credit card or the merchant want to give a refund what can I do? The disputed amount is {$220.00}
Product: Credit reporting

i complained about this company on XXXX/XXXX/2015 and they asked me specific case that i am disputing,,, i am disputing on XXXX Card on My file they changed the payment dates several times Only ON XXXX, it shouldve Fallen off long time ago but some how they have acces on youre data and change the last payment time which is wrong,, Also i had XXXX accounts on My record which Fallen off due to statue of Limitation but still you reporting the original creditors on my record which has a wrong date on it and these accounts are Showing as Closed accounts but still in my record the XXXX accounts are the ones i am Talking about since XXXX agreed and stooped Reporting XXXX also suppose to Follow not stay in my recordthank you
Product: Debt collection

I am contacting you regarding a troubling issue with my credit file. I've noticed a collection entry from your agency that I was not previously notified about. Moreover, I have significant concerns about the legitimacy of the claimed debt. Under the Fair Debt Collection Practices Act, I am entitled to request debt validation. Therefore, I am formally asking you to provide the necessary validation and take steps to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send out 2 section 609 letter but company never send proof has requested but keep reporting accounts on credit report inaccurate copy of letters According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified  accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately Name of Account Account Number XXXX XXXX  # XXXX XXXX / XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX /XXXX XXXX XXXX XXXX / XXXX # XXXX XXXX  XXXX XXXX # XXXX Thank you for your prompt assistance in this matter. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that this account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX
Product: Mortgage

I have been trying to get Wells Fargo to talk to about my mortgage to save my house from foreclosure for the past 4 years with no resolution. I attended the workshop that the DOJ held on XXXX in XXXX and was told that I needed more paperwork sent ( again ) which I sent on XXXX as I agreed. Wells Fargo was suppose to contact me on XXXX to confirm and to date I still have not heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset and stressed right now, I recently checked my credit report and there is an account that doesn't belong to me and it is residing in my credit for quite so long already. I sent letters to the respective bureau about it last XX/XX/2022 but haven't receive anything in response. I felt I was being ignored and taken advantage, so I checked everything in order for me to address my concern and according to FCRA 611 ( 15 U.S.C. 1681I ) ( A ) - the investigation is just for 30 days only and the extension is for more than 15 days additional only, beyond those it gives the reason to immediately remove those items from my credit file. IT WAS MORE THAN 45 DAYS HAVE PASSED AND NOTHING CAME TO MY MAIL, EMAIL AND EVEN PHONE. THIS IS RIDICULOUS. THIS HAS TO BE STOPED.
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, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these ongoing issues!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me. My personal information was found on the dark web, such as my SSN, address, dob, and name. This is identity theft, Also, I notice my information was exposed in XXXX and XXXX data breaches. I demand this information be blocked from my credit report for any future reporting. This is a violation of my privacy, and defamation of character I'm in the process of purchasing a home. I demand immediate deletion. There are also tons of inquiries, and creditors I have never heard of or ever done business with I demand immediate deletion.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint for XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including insuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) and conducting a proper reinvestigation to remove the errors within the required 39 day period 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, a debt collector, inserted adverse information into my credit file. On XXXX XXXX, 2023, I dispatched a certified letter, invoking the Fair Debt Collection Practices Act ( FDCPA ), demanding validation of the debt. Despite a lapse of the statutory 30 days from receipt of my demand, they failed to validate the debt, thereby violating the FDCPA. On XX/XX/XXXX, I formally notified Experian of this violation via certified mail, urging them to remove the derogatory information reported by the debt collector. Regrettably, Experian refused to take action. Instead, they reiterated that they had contacted the debt collector and verified the debt 's association with me. Legally, Experian was obligated to expunge the derogatory information.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit report : XXXX XXXX {$0.00} XXXX Update to never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX