23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My card was charged by cashapp without my permission. I asked about the charge and they mentioned that it was money from a month ago charged by XXXX, however it was not XXXX, it was illegally removed from my account. No record of anything they are saying. They just took out XXXX dollars and they are continuing to take more, little by little.
Product: Credit reporting, credit repair services, or other personal consumer reports

They broke the law as per fdcpa is intended to secure my right to privacy i did not give them written consent to report on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$4000.00}, {$1000.00}, {$150.00}, {$2500.00}, {$860.00}, {$1800.00}, {$1500.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX   XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1400.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$150.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$860.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a credit limit of {$1800.00} -This is not my account.
Product: Debt collection

This account is more than 7 years ago. I have not received any information in regards to this account. I have sent a verification letter and have not received any communication from them. They failed to respond to my request
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed errors on my EXPERIAN credit report for over a year. Each time either nothing happens or small details are changed. Experian has inaccurate information reporting on an account from XXXX XXXX XXXX. This account was allegedly CHARGED OFF in XX/XX/XXXX with a balance of XXXX. In a recent copy of my credit report I noticed that the account balanced had change to XXXX in XX/XX/XXXX. 

I disputed this information recently for 6 months straight and have notice the amount jump back and forth from XXXX to XXXX. 
On the updated copy of credit report that I received XX/XX/XXXX the account balance shows XXXX and in another section for XX/XX/XXXX it shows XXXX. 

There is no way I am acquiring new fees to an account that was charged off in XX/XX/XXXX so, the account balance should not be constantly changing. I have disputed for over a year. I have asked for the method of validation for these amounts and they have yet to produce this information. Instead they continue to supply false information on my credit report. 

This inaccurate information that they refuse to fix has indefinitely harmed me for years. I want this account deleted immediately from my Experian credit report. I would also like this defaming account to be removed from my XXXX  & XXXX  reports please.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency XXXX XXXX XXXX whom I never had an account with have failed on 2 attempts to provide written proof with my signature that I had a account with them. Experian states on 2 disputes that the information is correct and has been verified but have not provided me with written proof. I would like for Experian to provide me with written proof with my signature showing that I had a contract with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

COVID hit California and my son was enrolled in XXXX XXXX XXXX University and the University shut down and the students were sent home. XXXX XXXX XXXX took my Son out of the Deferred Status to the Repay Status. So, XX/XX/XXXX we made the payment of XXXX on time. Then in XXXX I paid in advance for XXXX, XXXX, and XXXX of {$200.00} ( when XXXX, 3 months so I overpaid by XXXX ). Still in XXXX the continued to bill me at XXXX, then billed me for XXXX another XXXX. So XX/XX/XXXX I paid the XXXX, Then I paid a payment on XX/XX/XXXX another {$100.00} Still ahead by XXXX, now add XXXX of which was included in my XXXX payment of the {$200.00}, so now I am ahead by {$140.00}. I pay over the phone and choose the advance pay option, but they obviously are not noting the account. So, they keep billing me the XXXX, I don't make another payment until XXXX of {$160.00} because I have paid in advance for XXXX and XXXX, still leaving reserves. The automatically billed me for XXXX and XXXX of which the payments were returned because I did not know they signed me up for automatic payment. Should not matter because I was already paid through XXXX, then in XXXX I paid {$260.00} because they said I owed them the money, but in fact at this point from XX/XX/XXXX to XX/XX/XXXX I paid a total of {$780.00} which is {$96.00} over the payment schedule they gave me of XXXX each month.
Product: Credit reporting or other personal consumer reports

15 US Code $ 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. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THIS FRAUDULENT ADDRESS AND ACCOUNTS THAT WERE OPENED UP IN MY NAME FROM MY CREDIT REPORTS. THERE WAS ALSO BANK ACCOUNTS THAT WERE OPENED IN MY NAME WITHOUT MY CONSENT USED TO MAKE PAYMENTS TO THESE ACCOUNTS OVER A HISTORY OF TIME. PLEASE REMOVE. I ATTACHED AN FTC REPORT ALONG WITH THIS COMPLAINT.
Product: Debt collection

I was initially contacted by American Credit Bureau on XX/XX/2018. I responded the debt was fully paid to the dental office, erroneous charges should be removed, show why my personal XXXX payments from my XXXX spending account are not included on the billing and to provide license information and if the XXXX XXXX  is licensed to conduct business in Colorado in writing. 

I received a response again on XX/XX/2018 demanding payment from the collection agency and no entity information. Also, again no personal payment info provided on the copy of the billing statement provided. 

Again, on XX/XX/2018 I received a payment demand letter. The billing statement was adjusted for items I requested be removed. And the billing clerk admits that they no longer use the billing management company during the time of my dental service. 

I am requesting the collection agency cease and desist contacting me until the foreign entity information is provided to me in writing and the dental office provide the correct billing to include my XXXX XXXX account statements because the copies of the billing statements are incorrect and incomplete.
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$1800.00} XXXX  XXXX XXXX {$1900.00} XXXX - XXXX {$150.00} XXXX XXXX - XXXX {$1900.00} XXXX  XXXX XXXX - XXXX {$0.00} XXXX  XXXX XXXX  XXXX - XXXX {$1400.00} XXXX - XXXX {$0.00} XXXX - XXXX {$180000.00} XXXX XXXX XXXX {$0.00} INQUIRY XXXX XXXX/22XX/XX/year>
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX {$520.00} {$620.00} is the balance now as I opened with a XXXX deposit. There was promo for XXXX if I made a direct deposit from outside ( ACH ). I would get the bonus in 104 days. It's now XX/XX/XXXX, well past the XXXX days period to get the bonus. I called 2x and each time the rep was very helpful and stated that they had to send it to a person in a higher position. That after holding over 30 minutes each time. They said I would get a call in a few days. Calls never came. Email never came. Voice messages never came. I sent 2 secure emails from their web site and just got a standard answer telling me to call. They advertise the bonus of XXXX and I met the requirements. here is their ad... 
Locations " Get a cash bonus up to {$350.00} XXXX  : /XXXX when you open a new checking account. 

Come for the bonus. Stay for the service. 

Build a lasting relationship with a bank you can count onand get a cash bonus up to {$350.00}. 
A woman smiling and looking to the right Hurry! Offer expires XX/XX/XXXX. 

XXXX ways to get started {$250.00} Cash Bonus My Community Free XXXX Simplified Checking with no monthly service fees! XXXX APPLY ONLINE OR OPEN AT A BRANCH {$350.00} Cash Bonus My Community Interest XXXX Checking that earns interest! 
Monthly maintenance fee waived with a daily balance of {$500.00}. 

APPLY ONLINE OR OPEN AT A BRANCH How to get your bonus XXXX Choose your account. 

Open a My Community Free Checking account with {$1.00} or more or a My Community Interest Checking account with {$100.00} or more. 
XXXX Meet these requirements. 

Maintain an average daily balance of {$500.00} or more for the first 90 days. 
AND Have XXXX or more direct deposits ( ACH credits ) totaling {$500.00} or more in the first 90 days. 
XXXX Get your bonus! 

You will receive a bonus credit in your new account XXXX - XXXX days after the account 's initial funding. 

Both accounts come with Man standing near a window XXXX XXXX ATMs Man standing near a window NYCB Online and Mobile Banking Man standing near a window Unlimited check writing Man standing near a window Free NYCB Debit Card Why bank with us? " I I kept XXXX in the acct for 90 days. It also says you can open the acct online for the XXXX bonus. I need the XXXX! XXXX
Product: Debt collection

They are reporting this account was open in XXXX  the date of delinquency was over 2 years ago almost 3 Ive asked it to be fixed and it hasnt they refuse to send me statements and they called XXXX XXXX XXXX  and have her all my personal info
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXXXXXX I wrote to Equifax requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you make sure they are reporting 100 % accurate information from my credit report and request that you reply within a reasonable amount of time.
Product: Debt collection

I discharged this Debt with XXXX XXXX and this company as well as others continue to contact me but I have successfully disputed this Student Loan Debt. This IDENTITY THEFT XXXX XXXX. I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, incompetent and ca n't sleep much thinking that this DEBT COLLECTOR has my personal information and has an account with my name and non-public information. 
I did not give my permission for this DEBT COLLECTOR to contact me pursuant to XXXX. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I need to make sure that this CORPORATION does not have an open account with my information containing any of my private business. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is purchasing something from another CORPORATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stored my personal information as plain text, and then released it to hackers, sold their stocks, and then announced the news.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope all is well All three credit bureaus are saying I made heavy use of available revolving credit and this is no longer correct it needs to be taken off and fixed. Im not making heavy use of available revolving credit my debit to income ratio is XXXX percent. The remaining balance on non mortgage or installment loans are to high and this is incorrect I dont have a mortgage or no installment loans this needs to be removed as well and reflect correctly.
Product: Money transfer, virtual currency, or money service

My cashapp account was compromised and someone sent XXXX dollars to an account that was created less than a week. I contacted them twice and filed 2 disputes. They denied them both.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Debt collection

Asked them to contact me by email and not repeatedly calling interrupting calls for assistance with Health and Human Services for community services and when I need to speak with the doctor. They use different numbers and I have tried to block them. I can not make any phone calls without them interrupting the phone call by getting on the line while I am talking to someone else.
Product: Debt collection

on XX/XX/XXXX I sent communication to XXXXXXXX XXXX XXXXXXXX requesting federal tax form 1099 OID to cover the eligible issues ( product of statues ) for vehicle financing XXXX XXXX XXXX vin # XXXX. the company has not responded as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHMENT. 
I AM A VICTIM OF IDENTITY THEFT On XX/XX/2023 I notified EQUIFAX that I am a victim of Identity Theft and that information appears on my consumer report that are identity theft related. I Provided a copy of an Identity Theft Report, my identification and identified the information I required to be block from my report. I am a victim of identity theft and I have filed a Identity theft report regarding personal and credit information appearing on my consumer report that are not transactions done by me nor to which I received any benefits.
Product: Credit reporting or other personal consumer reports

I called Early Warning to opt out of their reporting of my personal information and services. I made them aware that I am the Consumer. I assert that I have the right to have assurance that my private information is not shared- which is backed by : 15 USC 6801 ( a ) Privacy obligation policy which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. It is also backed by Privacy Act of 1974 ( 5 U.S. Code 552a ) Records maintained on individuals which states ( t ) ( 1 ) Effect of Other Laws.-No agency shall rely on any exemption contained in section 552 of this title to withhold from an individual any record which is otherwise accessible to such individual under the provisions of this section. ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. Early Warning has yet to stop reporting or collecting my personal information. 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I wanted to exercise that right and I was refused.
Product: Debt collection

XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Debt Collectors : SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ATTN : LEGAL DEPARMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX cc : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Re : Acct No. Select Portfolio Servicing Acc # XXXX XXXX XXXX XXXX AS TRUSTEE ( XXXX XXXX XXXX ) Acc # XXXX XXXX XXXX XXXX XXXX XXXX MIN # XXXX Note Date : XX/XX/XXXX NOTICE OF VERIFICATION DEBT Since Select Portfolio Servicing had refused to disclosed the information requested on Notice of Verification Debt., in conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), SPS , XXXX XXXX XXXXXXXX XXXX claiming false interest of third party called XXXX XXXX as servicer with the sole intention to defraud, steal homeowners. After the servicer has not being able to provide, disclosed the information requested below, we commanded SPS, XXXX XXXX XXXX XXXX to release my property from any lien recorded XXXX county illegally and return the original Note, stolen and illegally seize by Select Portfolio Servicing at its offices in XXXX XXXX XXXX, Utah. SELECT PORTFOLIO FAILED TO VERIFY THE DEBT AND DISCLOSED INVESTOR XXXX XXXX XXXX TRUSTEE ADDRESS, DEFAULT DATE OF THE MORTGAGE AND PROOF OF STATUS OF LIMITATION. 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify XXXX XXXX XXXX TRUSTEEheadquarter and agents 3. Default date of Mortgage 4. The agreement bearing my signature stating that I have agreed to assume the debt 5. Valid copies of the debt agreement stating the amount of the debt and interest charges 6. Proof that the Statute of Limitations has not expired 7. Complete payment history on this account along with an accounting of all additional charges being assessed 8. Commission for debt collector if collection efforts are successful.
9. Any insurance claims been made by any creditor regarding this account.
10. Any Judgments obtained by any creditor regarding this account 11. Show me that you are licensed to collect in my state ; and 12. Your license numbers and Registered Agent 13. Explain Select Portfolio Serving 's misconduct and conspiracy  to defraud client with two ( 2 ) different default letter XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for {$230000.00} in less than a year. Both Demand letter/Default letter has a serious fatal error, also failing to state the date of Default date of the Mortgage. Your SELECT PORTFOLIO SERVICING AND XXXX XXXX XXXX AS TRUSTEE office failed to disclosed information of this debt validation letter since XX/XX/XXXX. This account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect or foreclose on the said Mortgage must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt/mortgage against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

All accounts on my credit report failed to verify my alleged debt. Also furnished my credit report without my written consent. Pursuant to law 15 USC 1681.
Product: Credit reporting or other personal consumer reports

Destiny credit card ran an inquiry I did not consent to. The parent company XXXXXXXX XXXX previously ran an unauthorized check earlier this month under their brand Milestone. I feel this is beyond coincidence and that XXXXXXXX XXXX  has had a data breach and is not protecting the publics information they are privy to.