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

I receive a credit card from  XXXX   XXXX  Bank on  XXXX    XXXX ,2017  and the company reported the credit card on my credit report within 5 days of receiving the card which is  XXXX   XXXX ,2017. This company did not give me the opportunity to pay down my usage amount before reporting to the credit bureau. I  Thought financial institutes allow you thirty days to pay for your depth before reporting to the credit bureau. I also did not receive a statement from this company yet because it 's to soon to release a statement, but they release my information to the credit bureau without notification.
Product: Credit reporting or other personal consumer reports

this ACCOUNT XXXX XXXX account number XXXX open on XX/XX/year> is a fraud account and have not open this XXXX  account. I have disputed this account several times and TransUinon have violated the fair reporting credit act retaining to fraud accounts
Product: Money transfer, virtual currency, or money service

I applied to a job listing on XXXX ( under employer XXXX ) and the employer reached out to me via email, informing me that my resume was selected and that I would need to download the XXXX XXXX  to complete the interview process. Once I completed the interview process, they send me 2 ( fraudulent ) checks for start up materials, one for {$1900.00} and one for {$2900.00}. Once the first check deposited, they had me send {$1700.00} via XXXX bank payments to the vendors to purchase said materials. Once I informed the employer that the second check was on a hold and would be deposited in a week, they told me I shouldve told them and waited, but I should wait for it to deposit to send the money. 2 days later i saw that the first check had been returned as unpaid and the {$1900.00} had been deducted from my account. Once I reached out to the employer informing them the checks returned as unpaid and that I would be taking legal action if this wasnt reprimanded, they simply replied with Okay. and that was the last I ever heard from them. I tried to contact the bank and explain everything that happened, but was told since it was sent via XXXX, that there wasnt anything they could do to recover the funds. So then my account was left NEGATIVE {$1000.00}, while also being unemployed currently.
Product: Credit reporting or other personal consumer reports

I asked repeatedly from XXXX to request evidence that this debt American credit acceptance is mine. They come back with stating that the debt is verified, but they do not give me any evidence that the debt is mine. And under the fair credit law, they can not furnish an account without my permission. I have already spoken to XXXX and they looked into the matter and they actually removed the debt from my report. Now I would like this debt to be removed from XXXX as well
Product: Debt collection

Sounds like a boiler room operation, call all three of our cell phone # 's never leave message, only can hear lots of talking in background on messages. They repeat calls all day and night.
Product: Credit card or prepaid card

XXXX XXXX MADE PAYMENT XXXX ON XX/XX/XXXXTO BOA XXXX XXXX XXXX XXXX One XXXX XXXX XXXX XXXX, New York XXXX BUT BOA CLAIMS BOA DID NOT RECEIVE PAYMENT WHICH MAKES PAYMENT LATE.

THERE IS NO ONE TO CALL AT BOA BECAUSE BOA ONLY TAKES APPS AND I DONT HAVE A CELL PHONE.

I NEED CURRENT STATEMENT AND XX/XX/XXXX STATEMENT AND I NEED TO KNOW THAT MINIMUM PAYMENT WAS RECEIVED ON TIME. AND I NEED SOMEONE TO CALL NOT SOMEONE TO TEXT. IF BOA WANTS TO DEAL WITH A COMPUTER NOT A PERSON DONT DEAL WITH ME, BOA. CHANGE HOME ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Experian on the XXXXXXXX XXXX XXXXXXXX and they have yet to respond. Delete the items I asked them to delete.
Product: Debt collection

I am a victim of identity theft, as documented in FTC Identity Theft Report # XXXX ( submitted XX/XX/XXXX ). Despite providing this report to credit bureaus and creditors, Vance & Huffman LLC continues to report a fraudulent collection account ( # XXXX ) for {$3000.00} on my credit file. This account was opened on XX/XX/XXXX without my knowledge or consent and violates federal law : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Credit bureaus failed to block this account after receiving my FTC report XXXX 

FDCPA 809 ( a ) ( 15 U.S.C. 1692g ) : Vance & Huffman LLC never provided written validation of the debt.

FCRA 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ) : The furnisher reported unverified information to credit bureaus. 

Fraudulent Details : Account : Vance & Huffman LLC # XXXX Amount : {$3000.00} ( reported as " Collection Account '' ) Linked Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( fraudulent ). 

Status Update : Illegally reported as " Collection Account '' in XX/XX/XXXX. 

Evidence : FTC Identity Theft Report # XXXX ( attached ).
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 adress 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 Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience, and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. 
Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information 1.A detailed and itemized statement of ALL activity to this account, including the original contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. An itemized statement breaking down the balance you claim I owe.

4. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt my credit files with the three-primary credit reporting agencies. You are currently in violation of the Fair Credit Reporting Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment 's. This notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Reporting agencies Failed to do a Proper investigation. You Recently verified XXXX XXXX XXXX XXXX ( XXXX ) account number XXXX as XXXX percent Verified Accurate. With all the errors on my report its not possible a investigation was done. 15 usc 1681i I've also seen on my credit report inconsistent information among the three different Credit Reporting Agencies. 

XXXX XX/XX/2022 reported 90 Days Late, XXXX reported nothing, and Equifax nothing because the account was Removed. How can you be 90 Days Late XX/XX/2022 XXXX without prior being 30 Days Late and 60 Days Late. It is impossible. This is inconsistent and incomplete. 

One of the most important is the " Last Activity '' so we as consumers know when a account reaches 7 years. Its impossible to Trust the CRA 's when XXXX or XXXX does not report a " Last Activity '' and Equifax deleted the Entire account. 

Again how am I to trust XXXX XXXX XXXX XXXX ( XXXX ), XXXX, Equifax, and XXXX to act in good faith? Please remove because the " High Balance '' is reporting three different amounts. There is no way this account was properly verified Accurate if XXXX reported " {$25000.00} '' and XXXX reported " XXXX '' and Equifax Removed account. 

The Payment History is Incomplete rating with Years of positive payment history missing. 

XXXX has changed the " CO '' date to XX/XX/2022 and XXXX reported " NR '' 15 USC 1681a 2 ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and informed your agency on XX/XX/year> regarding several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ). 

I have suffered emotional distress as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.
Product: Checking or savings account

On XXXX I received an over draft fee there were numerous over draft fees in the amount of XXXX Just received continued over draft fees was very disappointed contacted the bank to let them know I never purchased the said items and still received fees because it over drafted my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called HP Sears multiple times, faxed three ( 3 ) and wrote to them four ( 4 ) times including the request for Validation Letters that I'd sent to the reporting Vendor. 
I've asked that they verify Per the Fair Credit Reporting Act, 15 U.S.C. 1681. To please PHYSICALLY verify and VALIDATE as required under the FCRA all of the following data on all the below accounts : ALL DATES, FULL ACCOUNT NUMBER, ACCOUNT STATUS, PAYMENT STATUS, ACCOUNT BALANCE, HIGH BALANCE, TYPE OF ACCOUNT, CREDIT LIMIT, DATE OPENED, MONTHLY PAYMENT AMOUNT, PAST DUE AMOUNT, ORIGINAL AMOUNT OF TRANSACTION/LOAN, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY, AND REMARKS regarding a collection that they have been reporting on my report since XX/XX/2021. 

I've written to XXXX requesting VERIFICATION on XX/XX/2021, XX/XX/2021, XX/XX/XXXX, XX/XX/XXXX. 

They have yet to provide the required data.
Product: Debt collection

On or about XX/XX/2022, I was notified by my credit reporting service that Mitchell D. Bluhm & Associates , LLC ( XXXX ) had placed a collections notice in my credit file. According to the reporting service, the original creditor was XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, I have never had a relationship with or received services from either of these entities. In addition, I never received a letter from XXXX notifying me of the debt and did not have the chance to dispute it prior to it going into collections. 

Based on this, I disputed the collection with the credit reporting agencies. I also sent a debt verification letter to XXXX requesting information regarding the alleged debt and requesting that the only communicate with me in writing ( as is my right under law ). Despite that, a representative from their office contacted me on XX/XX/2022 to attempt to collect the debt. When I informed her that I had received no correspondence from XXXX, she said they had sent letters in XXXX to an address that I hadn't had in almost 7 years. Since my forwarding order for that address had expired almost 6 years ago, it is likely that correspondence was returned as " undeliverable ''. It's clear that XXXX made no futher effort to obtain my correct address ( which is readily ) available and proceeded to file a collection with taking reasonable steps to contact me in writing and allow me an opportunity to dispute the alleged debt and receive more information about it. 

Given I have no recollection of the original creditor and XXXX claims to have sent notification to an address that is almost 7 years old, I have serious doubts as to the validity of this claim. XXXX has not responded to my request for information and, based on their actions to date, has no interest in following the debt-collection procedures outlined in law. 

Since I was not given the opportunity to protest or respond to their original request for payment, I have asked XXXX to remove the collection notice from my credit reports and start the process over. I feel that it's only fair for me to have the chance to investigate the claim, validate the amount ( if any ) is owed, and settle the issue prior to having my financial reputation tarnished by what could very well be an invalid debt. I further request that XXXX 's business practices be investigated by the proper oversight authority to ensure they are abiding by the requirements of federal, state, and local laws in regards to debt collection.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against XXXX. They have been causing so much damage to my credit report with the way they report their credit limit. One month they will report I have a credit limit of {$1700.00}, the next they will report my credit limit is {$720.00}. Causing my debt to ratio to fluctuate. I have submitted several complaints with Experian but they never do anything. My actual credit limit is {$720.00}. I have attached the screenshot I took on XX/XX/year> & I have also attached a screenshot of the credit limit they reported to Experian. This has been an ongoing issue. They need to go ahead and start reporting accurate information because once again they are going to cause my credit report to go back down next month. They either increase my XXXX credit limit to {$1700.00} or stop reporting that it's {$1700.00}. This is exactly why I paid them off as quick as I could to have a {$0.00} balance and even then they still went ahead and reported my limit at {$1700.00} with 0 % debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX Experian XXXX. XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS:XXXX  XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURRENT ADDRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX THIS IS NOT MY ADDRESS ( I HAVE NEVER LIVED HERE ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS:XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX, someone fraudulently applied for and received a loan from Covington Credit using my information. I didn't find out about this until the middle of XXXX. I asked for and received an affidavit from Covington Credit to dispute the loan. I filled out the paperwork and took it to Covington  Credit after receiving it. I was told I could not use the paperwork because I wasn't supposed to sign it without a witness. I asked for another set of paperwork and it was supposedly sent on XX/XX/XXXX. It took me until XXXX to finally receive a new set of paperwork after repeated attempts since XXXX to get a new set. After finally receiving the paperwork, I mailed it back after I completed it except for needing to notarize one particular form, which was not clear to me because the way the form was presented seemed it needed **either** a police officer 's witnessed signature or notary 's signature, rather than both. They sent me a new copy of the form which I managed to have notarized the way they required, and sent that form back to them in midXXXX. I have not received any mail from Covington Credit since then, and the fraudulently-obtained loan remains on my credit. 

I request that CFPB investigate this - not only the fraud but the incompetence of Covington  Credit in getting it resolved. The final result I expect from Covington Credit is a letter stating that I am not responsible and the loan is removed from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having serious difficulties with the 3 major credit bureaus, I sent out a letter disputing some inaccurate information on my credit report on XX/XX/XXXX. 40 DAYS GO BY AND NOT A SINGLE LETTER OR RESPONSE EVEN THOUGH I SENT CERTIFIED CAME FROM EXPERIAN OR XXXX. XXXX decided to send me a letter asking if i was working with a " credit clinic '' WHICH IS ABSURD... 

So on XX/XX/XXXX I sent them another letter, and they still are not getting the picture that i am furious with how they are reporting on my credit report and damaging my name. They are not above the law and they need to sharpen up on thier FCRA LAWS AND DELETE THESE ERRONEOUS ITEMS
Product: Credit card

On XX/XX/XXXX I called Comenity Bank to settle a debt, I spoke to a guy and he offered for me to settle both debts I had with their company, one being Express and the other Victoria Secret. The payments were arranged to be debited out of my account on XX/XX/XXXX, and they were debited. A few weeks later I received notifications of a change to my credit score, the Express was zeroed out and Victoria Secret was still charged off with a balance. I contacted comenity and explained. The rep told me they applied the payment to the wrong account ( the payment was applied to a XXXX account that was discharged in XXXX  ) and they would get it fixed. She stated it could take up to 45 days. I then called another month later, because I received a letter stating the payment was applied to the correct account and that was it. I spoke to another rep that stated the person prior did not word the investigation properly, on XX/XX/XXXX she opened another investigation asking that the investigator listen to my call and see that the agreement was to settle the debt for less. XX/XX/XXXX I called again and was told that the percentage the first person I spoke to was not enough to allow me to settle for less, I said that's the amount he told me so that's what we agreed to and that's what I paid. This is going on now month 4, they have reported to the credit companies again the payment that was meant to be a settled debt, they have re-reported my XXXX today 6 years on the accountthey applied the first payment to, on the very last phone call I had the supervisor told me I had 4 unpaid accounts, I told her those were part of a XXXX and she told me I am still liable for them. She would not tell me the out come of this current instigation, she told me it was closed on XX/XX/XXXX the same day I opened it. I just want this settled and closed. Please assist.
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 XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, 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 or other personal consumer reports

My previous employer, XXXX informed me that the companys system was victim to a data breach and that my social security number and all bank accounts were compromised. My accounts have been placed on fraud alert since last year and there are 2 hard inquiries that I dont recognize. Both from XXXX XXXXXXXX XXXX ( XXXX XXXX, and the other on XXXX XXXX ). Thank you for your time and consideration.