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

I have filed multiple disputes with Equifax, in regards to a company name XXXX XXXX I have asked Equifax to provide me original documentation that this debt is owed by me, Equifax has never provided with me that information but has deemed this account as verified. That leads me to believe Equifax conducted improper investigation, they couldnt even provide me with their reasoning that would solidify that account being verified. I have NEVER did business with this company nor is this debt owed by me, this account is affecting my day to day life.
Product: Debt collection

I was harassed an abused by mail and also by telephone. Repeatedly called and mail which is a form of harassment, they were not given permission to call or send mail to me. They were not given permission to report to XXXX, XXXX, or XXXX. Reported information to third party debt collector without my permission. They said the debt was validated, when it wasn't validated by me. I was threaten by the use of violence and or other criminal means to harm me the consumer. They used obscene language towards to over the phone and also thru mail. They advertised the sale of debt. When they sent mail there was a logo on the post card which is in fact a violation also. Cash was taken when cash is not supposed to be taken for a credit transaction. Their actions caused me to be discriminated against, and caused XXXX, and also caused me to lose jobs and not be able to get another job. These debts were not properly validated. They did these things to me purposely.
Product: Payday loan, title loan, or personal loan

I was called today by man that said he was with this bank and it was a scam. He asked for my mobile banking information like username and password. This man needs to be stopped
Product: Debt collection

I have XXXX acounts that is Fraud LockHart Morris from XXXX i never be in that Place that take my information and they put in collections i have proff that i have XXXX
Product: Credit card

Comenity bank will not credit my payments to account.. I want them to credit my payments so I can close account
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from XXXX XXXX dated XX/XX/2022 after I applied for a business credit card. The info posted by XXXX XXXX XXXX for account # XXXX IS INACCURATE AND NOT VALID. 

After multiple requests, XXXX XXXX XXXX has failed to provide documentation of any agreement between them and I, that gives them right to continue to bill me after I told them I no longer want their services. I never had a contract with XXXX XXXX XXXX and never signed up to be their customer. I was customer of XXXX XXXX and after my contract with them was up, I was on a month-to-month basis payment without contract. XXXX  XXXX was bought out by XXXX XXXX XXXX at some point and they increased their prices. I made contact with them and told them that I no longer want their services, as they increased the price from what I was previously paying and did not want to replace the defective equipment that was given to me by the previous company with a lifetime warranty replacement. XXXX XXXX XXXX is not owed any money, they continued billing me eventhough I told them I do not want their services, until I sent back their bill back with " RETURN TO SENDER - RECIPIENT NO LONGER AT THIS ADDRESS '' on the envelope.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank has ignored my requests to validate their account. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XXXX, and XX/XX/XXXX Capital One Bank received a notices from me and they have not responded to any request. 

Capital One Bank has failed to respond to several requests of validation. This account has updated each time to the 3 major credit bureaus.

Capital One is also reporting multiple addresses to each credit bureau making communication even more difficult. This account has also charged-off two times ; with no current updates. 

Capital One is NOT a HOLDER IN DUE COURSE and this is why they have not responded. 

Neither XXXX nor XXXX provided validation of ant sort. I will update reports also if need be to further prove that these companies are ignoring my letters This account was also sold to a third party debt collector.
Product: Debt collection

I asked this company to provide me with Validation of an alleged debt and its several months I still not have received any.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inquiry on my credit report that I believe are not mine. Upon reviewing my credit report, I noticed several inquity that I did not authorize or recognize. It appears that someone may have used my personal information without my consent to make these inquiries. This inquiry not mine : XXXX XXXX XXXX Inquiry Date XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security Number. 

I was informed on XX/XX/XXXX, that the account was deleted from my credit report. ( Document with proof of this deletion included ). 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the 30 days past due from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat theses reporting accounts 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 accounts below : 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 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 Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this 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 correct : XXXX XXXX XXXX
Product: Credit card

Today on XX/XX/XXXX an application was received to Barclays card through JetBlue. I did not receive an offer for this card and I did not apply for this card. The account was also approved and opened without my consent. I reached out to the company via phone. They said they closed the account and reported the issue to their company fraud team. They said their fraud team would reach out to me via email or mail. This is now the 3rd or 4th time this is happening to me. I have made previous complaints and was told I would be alerted before this type of thing would happen. I dont understand why it still happened without any proper investigation before opening an account.
Product: Payday loan, title loan, personal loan, or advance loan

I already complained to the CFPB regarding Citibank 's reneging on a promised loan APR. Since the experience with Citibank has been so frustrating, I have attempted to opay the loan off in full. I obtained a payoff amount and immediately sent a check ( almost 2 weeks ago ). Citibank has not processed the check and the payoff amount continues to increase. Repeated requests to resolve have been sent to Citibank 's Executive Response Unit and receipt each request has been acknowledged-yet Citibank refuses to address the matter.
Product: Checking or savings account

Every time I get into my account, I'll see transactions pending and posted on a certain date ... a few days later, I'll go back into my account and notice the dates change and another transaction has been taken out again, this has happened to my account sever times.
Product: Credit card or prepaid card

I applied for an account with Grain Technology and was approved for a revolving credit line. After reaching out to customer support to resolve an issue with adding my address to my application, I was able to move forward in the process. Twice, I successfully verified my identity and then twice received an error message and was asked to upload a copy of my drivers license and social security card. I did so. I immediately reached out via email and informed Grain that I sent the documents and was told that I could not be verified, the decision was final and my application was now closed. I recently moved and did not yet get my new drivers license which I explained. I offered copies of my marriage license, and other documents to prove my previous address as well as my new one. I was told the reason for my identity verification issue could not be released ( I never asked for a reason ) - I just want a resolution to this issue!
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 federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX account XXXX XXXX has violated my rights. 
XXXX  account XXXX XXXX has violated my rights. 
XXXX  account XXXX XXXX XXXX has violated my rights. 
XXXX account XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Sates 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 crime 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Please delete chexsystems inquires done as a result of identity theft : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Ocwen has been the hardest to work with I am XXXX service member who went though a divorce and been XXXX 4 times I have gave paper work to Ocwen 5 years now so I finally called witch never could speaks to anyone right and asked for a credit for give ness witch they gave me XXXX letter in XX/XX/XXXX and the next day they said disregard the letters cause I 'm selling the house out right. 
How can you get anything done if they keep playing games all the time. I have lost Freinds soldiers leaders and come back to Michigan to deal with a company that should n't be around
Product: Credit reporting or other personal consumer reports

I think FCRA 605B means we need to take out any wrong accounts from my credit report. Can you look at the documents? Some of the listed accounts are wrong in how they're reported, with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

Due to being denied credit I was made aware of a collection account on my credit report. I contacted Experian to dispute this and many other inaccuracies on my credit file starting in XXXX of XXXX In every way I can possibly explain this account is inaccurate I have disputed it and continue to be told the company is verifying as accurate. I have never had an account with XXXX XXXX I am not aware of this debt. I did not agree to their debt or debt collection methods. I do not agree to have this reported on my credit file. This item has been disputed with the company directly with the credit reporting agency and still no relief. I would like this complaint to include both XXXX XXXX and Experian credit bureau. Both are at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : NO RESPONSE XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : NO RESPONSE XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : SENT A BILL PRINTED FROM XXXX WITH ACCOUNT BALANCE STATING THIS PRINTED DOCUMENT IS CONSIDERED VERIFICATION XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL 3 CREDIT REPORTS RESULTS : SENT COPY OF SAME BILL SENT IN THE PREVIOUS DISPUTE STATING DOCUMENT WAS CONSIDERED VERIFICATION XX/XX/XXXX : DISPUTED ACCOUNT INFORMATION. REQUESTED PROOF OF PREVIOUS REQUESTED INVESTIGATION FINDINGS. I ALSO REQUESTED ANY INFORMATION AND/OR DOCUMENTATION TO PROVE VERIFICATION. 

HOW IS THIS INFORMATION VERIFIED AND CREDIT REPORTS SHOW DIFFERENT " DATE LAST ACTIVE '' DATES? 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Account # XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act XXXX  XXXX- acct # XXXX XXXX XXXX  XXXX acct # XXXX, XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXXt-acct # XXXX XXXX XXXXXXXX XXXX- acct # XXXX has violated my rights.

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 also states a credit reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year>XXXX  LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Cease and Desist Demand for Collection Activities Account Number : XXXX Dear LVNV Funding LLC, I am writing to formally demand that you cease and desist all communication and collection activities related to the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop all contact with me regarding this matter. 

This letter serves as my formal notice to exercise that right. Effective immediately, you are prohibited from contacting me at any time or through any means, including but not limited to : Telephone calls to my home, work, or mobile phone. 

Written correspondence sent to my home or email address. 

Any form of communication with third parties, including my employer or family members, regarding this matter. 

Be advised that failure to comply with this request may result in legal action against your agency for harassment and violation of the FDCPA. Additionally, if you believe this debt is valid, you may only contact me to provide verification of the debt or to inform me of specific legal actions you intend to pursue. 

Please confirm in writing that you have received this cease-and-desist request and that all collection activities and communications will cease immediately. All future correspondence should be directed to me exclusively in writing at the address provided above. 

This letter is not an acknowledgment of the validity of the alleged debt, nor is it a waiver of my rights under federal or state law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I went to XXXX College back in XXXX for XXXX XXXX XXXX. I had taken most of my classes, I ended up taking a small break for a couple of months. Once I returned to XXXX College to try to complete the one class that I have left before receiving my XXXX XXXX, they informed me that the major   no longer existed. They had done away with XXXX XXXX XXXX field because of other people had a hard time finding a job in that field, also to work in that field it did not require a person to have a degree in it. Therefore I never graduated, neither was I able to find a job in that field. Shortly after that the school closed down completely due to money issues. I later found out that I was in default and that I had been sent to a collection agency in which they told me that I owed them more than XXXX .... I started paying Reliant Capital Solutions immediately as of XXXX of XXXX. The department of Education informed me that I was ok to file my income tax for XXXX. They told me that my income tax would not be offset because I had already made 5 or more payments towards it. Once I filed my income tax they took the whole thing from me despite of what they said. As of now I have no income tax, no degree, and I still owe close to XXXX with the payments that I am making every month for a school that has been closed down.
Product: Credit card

Due to medical bills I have missed payments in XX/XX/XXXX. 
I fully intend on catching up my payments. 
I understand receiving calls about a late payment, but the following numbers call several times a day - and even on Sunday If I am correct, this is against the law. 
If this is against the law, then I want to report the following numbers. 
Several calls from all XXXX of these numbers. 
XXXX XXXX XXXX XXXX Thank you!
Product: Debt collection

Company involved in Gla. When tried to make arrangements, was told I owed a lot more money than was showing on credit report, and that I owed large amount in interest. I already was having trouble paying doctor and hospital bills.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : My personal information was leaked from my company. Thus, I have identity theft on my credit which is affecting my XXXX score. Bank of America and XXXX credit cards are not mine nor have I ever done business with these merchants. My XXXX score has always been over XXXX and because of identity theft this is negatively impacting me. My credit file needs to be updated accordingly. Thank you in advance. 

XXXX XXXX XXXX E-mail : XXXX XXXX
Product: Credit card or prepaid card

I have American Express XXXX XXXX XXXX card which has some issues. My XXXX is not working for past 4 months. When I try to reset the password, it ask for this American express card details. Card details are never considered correct by XXXX. For last 4 months - I have completely wasted 10+ hours with XXXX  XXXX It seems American express sent me a replacement card and XXXX is stuck with the old American express card which American express can not send it to me. 

While this XXXX  XXXX  is stuck - XXXX  started charging me some XXXX XXXX subscription of monthly charge {$5.00}. Any time i reach out to apple- they simply stated that i need XXXX  XXXX  ... for which i need right American express card which American express is not helping by providing the old card. 

So i am into a endless circle with XXXX and American express. 
In the meanwhile apple started charging me XXXX XXXX  charges for which i opened the dispute with American express also. I asked American express to block XXXX for ever ... when they read the terms and conditions for that - it seems customers can not do that and those terms and conditions are very much in the favor of merchant. 

I asked American express to send me the terms and conditions but they stated they won't. Please refer phone call from me to American express on XXXX XX/XX/2021 at XXXX XXXX  with XXXX having ID XXXX Complains with FCC.gov and California attorney general 's office is already opened multiple times about this ongoing issue which is going on for more than 120 days.
Product: Money transfer, virtual currency, or money service

I created a Cash App that individuals sent money over to. There was {$550.00} in it. When I logged back using the same email my balance was at XXXX with no transaction history. I noticed that the cash tag ( account name ) had been changed to an identical name but one letter off. I contacted Cash App through support and by phone numerous times and explained the situation. They would not provide any information over the phone and told me I could only be helped via email. After several emails explaining the situation, I kept getting the same response below : Hi ___________, This is ________ from Cash App Support, and I'll be taking over your case right now. Thanks for reaching out, and thank you, __________, for your patience in our delay in getting back to you. I understand you can not sign into the correct $ Cashtag as it wont let you, so let me assist you with this process. 

After reviewing your account, let me confirm that we're unable to grant access to $ _____________ for security reasons. To protect your current account, we can not override this decision.

You may continue using your current Cash App account to send and receive payments.

We are sorry for this, __________. If any other concerns come up, just let us know. We're here if you need us!

In addition, I ordered a cash card before the account was inaccessible. I attached a picture of the card for your ready reference.