23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account is stating incorrectly on credit report stating account as collection while derogatory both at the same time. This is not possible if account is collection it can no longer be derogatory and there should not be late payments reporting. Account was reporting date open as XX/XX/XXXX XXXX XXXX and XX/XX/XXXX by XXXX. Date last active reported as XX/XX/XXXX by XXXX XXXX while XXXX reported XX/XX/XXXX. I disputed account asking to verify or delete as I do not recall having this account results came back still incorrect. stating account is open when previously account was call collection with an accurate date less active stating as XX/XX/XXXX by XXXX XXXX XX/XX/XXXX bye XXXX stating that investigation has been completed where I strongly disagree because there is no way that account can be reporting collection and then suddenly they change it to open an account reporting consecutive charge off as if it was some sort of payment method on a dead account I have tried contacting both the creditor and collection agency and Original creditor stated over the phone that they no longer owe this account therefore they couldnt help. I havent had any luck contacting the collection agency. I never received any sort of document stating that the debt belongs to me by neither XXXX XXXX or XXXX account is a total mistake itself no doubt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX, however Equifax has not removed this from my credit report. I have contacted the bureau to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX have not removed this fraudulent account from my credit report. " XXXX XXXX  XXXX XXXX '' does not belong to me. 

I first reported this account in XXXX of 2022. I have submitted FTC Identity theft report 's on both XXXX & XXXX XXXX  who owns them. 

XXXX is in direct violation of Federal Law 15 U.S Code 1692 ( g ) Fair Debt Collection Practices Act ( FDCPA ) which requires them to validate such debt by providing All of the following : 1. The identity of the original creditor.

2. The amount of the alleged debt.

3. The name and address of the original creditor, if different from the current creditor.

4. The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural man ), and XXXX, that proves I agreed to pay the alleged amount. 
5. A GAAP accounting documentation ( both on and off ledger ) showing the exact asset ( s ) used to collateralize the debt.

It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act & It is XXXX XXXX obligation to supply the aforementioned materials as requested which they have failed to do time and time again. 

Not only has XXXX not lawfully validated the debt but they have continued to fraudulently collect & report the fraud. 

I am now demanding XXXX to remove this fraudulent account from my report because it is identity theft & does not belong to me, was never lawfully validated, and furnishing this information is now another violation that XXXX, XXXX, and equifax are committing onto me which is continuing to cause me harm.
Product: Credit reporting or other personal consumer reports

I have a credit card with Truist ending in XXXX which in XXXX I enrolled it with other credit cards into a company called XXXX XXXX  which works with my lenders and settles my debt. I also have an checking account with Truist XXXX which I pay my other bills from I also was injured and lost my company and now am on XXXX so I get paid once a month on the last XXXX Now over night on the XXXX day of XXXX The Truist Recovery department Ran by XXXX XXXX took {$1000.00}. out of my account without my knowledge nor did I get a receipt or a document letting me know this was going to happen. The also took {$1500.00}. Out my same account on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Original Creditor : XXXX AAA XXXX Balance Owed : {$540.00} XXXX  Original Creditor : XXXX XXXX XXXX Balance Owed : {$1000.00} HCF XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit profile. Would you mind verifying the paperwork? Several of the mentioned entries exhibit inaccuracies concerning reporting, including erroneous amounts and dates.
Product: Debt collection

World Finance has repeatedly called me before and immediately after making a {$150.00} payment towards the {$550.00} balance reported on my credit report since XX/XX/XXXX. 
Due to a job layoff, I have not been able to focus any payment toward the reported {$400.00} balance and have had to address more immediate needs as a result. As a result, also addressing my financial and credit situation I have reached out with the attempts to verify the correct amount and reported credit information I have not received my request via mail from the company instead have gotten updated credit reports still displaying the {$400.00} balance and address XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Today ( XX/XX/XXXX ) XXXX told me XXXX XXXX XXXX XXXX XXXX was the right address but ( not listed on the report ) and that I was not eligible for a Goodwill Letter with the request to settle the account. 

XXXX has called several times from XXXX but asked for a callback to XXXX ext XXXX. When I called the number couldn't be reached and I called back to XXXX only to be told by Sup XXXX that the XXXX XXXX XXXX XXXX XXXX was the right address with denial about knowing XXXX XXXX XXXX XXXX, SC XXXX and return mail that she claims were not received. I have verification of other mail coming from XXXX XXXX XXXX XXXX, SC XXXX. Yet this time I got an apparently opened and retaped return undeliverable letter that was not stamped or signed on the green verification card. Sup kept referencing payment arrangements like XXXX but not taking ownership when I expressed FDCPA under sections XXXX law about incorrect information. And I will attach the law as it states under the FDCPA *All XXXX Credit XXXX XXXX have XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX listed as reporting on my credit report which was updated on XX/XX/XXXX. Yet when calling credit bureaus they have XXXX XXXX XXXX SC which contradicts the fact that the updated address that they claim has not been reported or updated referencing accuracy. " XXXX kept saying she did not know why this was being the reported address ''. She wanted me to speak with the compliance department, however, I opted for no repeats due to the constant call of harassment under the FDCPA section 806. She also asked for my email address which should already be on file with the correct information. *Whole account number not listed just the last 4 numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute items on my credit report with XXXX. 
1. Collection accounts - which i never got letter for example- XXXX - {$840.00} Never been to XXXX, always had medical insurance 2. Late payments- XXXX ( Never prove the late payments, the loan was in deferment ) list five late payments -- I dispute the company 3. Bankruptcy according to the credit bureau- court told them, the law does not allow them to give that information out 4. inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

i applied a home loan but my loan was not approved due to low XXXX score and when i checked my XXXX XXXX XXXX no is not matched. the XXXX  shows in XXXX  report is belongs to someone else.all other details like XXXX number, email id and mobile number are mine but XXXX  number is not mine due to this loan numbers shown in my XXXX  report are not belongs to me
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

I got a reward card from XXXX XXXX XXXX for {$100.00}, however the expiration date is too short which didnt give me enough time to use it. Gift card 2009 act clearly says the expiration date should be longer than what this card gave me.
Product: Credit reporting

XXXX representative mistakenly did a hard pull on my credit report. I contacted XXXX office of the president ( XXXX ) XXXX extension XXXX and XXXX informed me they have requested TransUnion to remove the hard inquiry on XXXX/XXXX/XXXX. 

XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX On XXXX/XXXX/XXXX the hard inquiry was still on my TransUnion credit report. I contacted XXXX and they informed me that the request was sent and the processing time is entirely up to TransUnion. 

On XXXX/XXXX/XXXX, nearly half a year later, the hard inquiry is still on my credit report. TransUnion failed to process the removal request in a timely manner and always pushed me to creditor ( XXXX ) when I contacted TransUnion customer service. The customer service supervisor I spoke to was XXXX.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( FFPA ). Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 Account Number : XXXXXXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My only names are : XXXX XXXX XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA My current phone number is : ( XXXX ) XXXX My current Employer is : XXXX  Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Address : 1 ) XXXX XXXX XXXX XXXX, XXXX, GA XXXX 2 ) XXXX XXXX XXXX XXXX, XXXX, GA XXXX 3 ) XXXX XXXX XXXX XXXX, GA XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX 5 ) XXXX XXXX XXXX XXXX, GA XXXX Incorrect Employer : XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I went to XXXX XXXX of XXXX in Il to get a new or used car as XXXX XXXX sent me a pre approval letter for a new or used vehicle in the amount of XXXX to XXXX. In discussing with the sales person and signing off on the dealership only running my credit for approval with XXXX XXXX, they ended up running my credit 7 times more with several other auto loan companies. They have the document I signed stating to run with XXXX XXXX only and will not give it to me. They also told me at one point XXXX XXXX was not approving it and then I called XXXX XXXX while I was there with them and the woman told me they did approve the loan and gave me a ref # of XXXX. I confronted the gentleman man at the dealership and they said yeah we got you approved for a XXXX XXXX, I said that is not the car I picked, I asked for my car key back and left cause I started getting the dings on my phone from XXXX XXXX, I told them why are you running my credit so much? I was told not to worry, I told them no your wrong and left! The manager emailed me and I confronted him that he had no right to run my credit like he did and he hasnt answered me back. I disputed as well with Equifax and they are not taking it off.
Product: Mortgage

Due to the storm they called me to see if I had any damages and if I reported to my insurance. I said I do have damages on my roof and that I had to fix it out of pocket because the deductible is to much. They told me I can do this thing referente for three months pay nothing and for those three months they will put the money I owe to the back of the loan. I said ok but I will pay {$200.00} a month. Then after that was over continue paying my regular amount after three months. They took it upon them self to put me to see if I would be available for Mediation after almost 2 months they said I wasnt approved and can I pay the two months I owe and if I dont it will go on my report when they are the ones that put me here. I believed they was helping instead they wasnt. Now my credit is going to go down because of them Lying to me. I want this late payment thing to go away because it was not my fault they told me that it would go in the back of the loan. Everyone I pay they telling me Im paying for another month. If this would of happen I would if still be ok without there help.
Product: Vehicle loan or lease

Tried to log into my online account with Toyota Financial Services. Had received a Billing Statement which included personal property tax. Was trying to determine if the automatic payment process setup for this lease would continue and pay this monthly charge. 
When I tried to log on, a pop-up screen appeared that I interpreted to mean that I would be forced to switch to paperless billing each month if I accepted the terms. Exited the online website. While on hold trying to contact TFS,  received an email from Toyota indicating that my online account had been deactivated. I received a 2nd email from TFS indicating my XXXX payment had been canceled.
Product: Vehicle loan or lease

My XX/XX/XXXX XXXX XXXX had me co sign a vehicle with him. 2 weeks later we have a restraining order. He has made every single payment very very late. I understand this account is closed. I need this removed from my credit. I have provided disputes many many times. That vehicle was solely on him.
Product: Checking or savings account

On XX/XX/year> I had received an approval email from a person named XXXX who was from The XXXX XXXX. I had been attempting to apply to different lending platforms to receive financial assistance. I am currently dealing with XXXX XXXX XXXXXXXX ( including XXXX XXXX ) and I have to pay multiple bills. When I received the email notification it stated that I could be approved up to XXXX with monthly payments only being XXXX per month. After I called this individual at the following number XXXX XXXX XXXX he then instructed me that he would be sending XXXX deposits to my PNC checking account. At first I thought this to be rather strange but he then explained that I would not have to pay any upfront fees. They explained that this was for credit building & insurance. He the instructed me to go to my nearest XXXX store to purchase Visa Gift Cards after I saw the money on my account. ( I later discovered that this scam company had really stolen money from PNC without me really realizing what had happened. After I came back home I wanted to know when I would be receiving this loan. He then came up with another story claiming that the State Of Virginia was holding up the loan proceeds because of a tax of {$210.00}. After still believing that this was a legitimate offer I went back to XXXX to purchase another gift card. This time using money from my own checking account. Since it was late in the afternoon XXXX then told me that the funds would definitely be released the next day which was XX/XX/XXXX. The next day I called XXXX and he told me that XXXX XXXX would still need another payment. I then became very angry and I demanded that they pay my rent payout of XXXX not realizing that additional funds were charged to my account as well
Product: Payday loan, title loan, or personal loan

XX/XX/2017 I took out a XXXX loan from speedycash and since then, for a year straight, I've made every single payment required and my account is only XXXX. I've called and asked to refinance but the customer service representative said the loan company doesn't offer anything like that. 
I've paid over XXXX $ to this company. I'm just a customer who needed money for bills and a year later I'm still feeling the reprocuctions
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681i, I sent a Formal Dispute and Notice of Violation Under 15 U.S. Code 1681i ( FCRA ) and Requested for Debt Validation and 1099-C Form I'm disputing the validity of the debt reported by Barclays bank Delaware and to notify you of violations under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ). Additionally, I requested proper documentation of the debt, including proof of the original purchase agreement and a copy of the 1099-C form, that they have failed to provide me.

Violations and Dispute Details : Failure to Validate Debt : Despite my prior requests, Barclay Bank Delaware has failed to provide sufficient documentation validating the legitimacy of this debt Account # XXXX {$1300.00} including proof of a purchase agreement .This constitutes a violation of your obligations under the FCRA. 
Non-Compliance with FCRA : They are required to conduct a reasonable investigation into any dispute I file regarding the accuracy of the debt reported to credit bureaus. Your failure to provide accurate documentation or to ensure the legitimacy of the reported debt is a direct violation of federal law.

Failure to Provide IRS Form 1099-C : If this debt has been canceled, forgiven, or written off, you are required to issue IRS Form 1099-C. They have not. Failure to provide this form constitutes non-compliance with federal tax law and undermines the accuracy of credit reporting.
Product: Money transfer, virtual currency, or money service

I can not access my money. They close my account tried to contact customer service. They have no live representative, which is actually against the law.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I Recently my credit report and found inquiries that i did not initiate along with an account from XXXX XXXX. I Submitted an FTC report and am now demanding deletion of these fraudulent accounts, as they have damaged my creditworthiness caused me anxiety and mental stress, impacting me from utilizing my credit. IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I Will also be seeking compensation for the damages caused to me. Defamation of Character : {$1000.00} XXXX XXXX  : {$1000.00} Impending Usage of Credit ( Creditworthiness ) : {$1000.00} for a total of {$3000.00} IN PURSUANT TO 15 USC 1681N 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 ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; *This is a Correction to the previous Dispute.
Product: Debt collection

Portfolio Recovery calls me daily twice a day during work hours. Their calls are stressing me out and I am starting to have XXXX  because of their daily calls.