23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX never notified me about a bill due to my ER visit on XX/XX/XXXX. The XXXX XXXX XXXX i paid my copay and have a record of my bill was paid in full. However XXXX XXXX XXXX XXXX XXXX never notified me of a bill due. XX/XX/XXXX i moved to XXXX XXXX and did not reside at my location in XXXX. 
XXXX XXXX XXXX XXXX XXXX never notified me and sent my bill to a bill collector. they never sent to my current Insurance Provider XXXX and a bill was never processed through XXXX for XXXX XXXX XXXX XXXX XXXX. The Bill from the XXXX XXXX XXXX was processed and paid for the day of service on XX/XX/XXXX
Product: Credit card or prepaid card

As one of the benefits of Chase Sapphire Preferred is travel interruption/cancellation insurance, I purchased an airline ticket with Chase Sapphire Preferred . As my travel was canceled due to a covered reason, I filed the claim for travel interruption/cancellation with Card Benefit Services in early XXXX and provided all the necessary documents almost three months ago. Yet, Card Benefit Services has not processed the claim and upon my repeated inquiries continues to state it would take five business days. Multiple times, they continue to ask me to submit documents that I had already submitted, yet I comply each time and submit those documents again and again. Nevertheless, Card Benefit Services continues to state it would take five business days even though I had submitted all my documents almost 90 days ago. 
Upon checking with XXXX XXXX XXXX, I learned that this is their Modus Operandi to continue to ask things that are either impossible to obtain or simply delay until people get frustrated and quit pursuing the claim. With Card Benefit Services ' atrocious XXXX XXXX  rating, and hundreds, if not thousands, of legitimate complaints filed against them with XXXX XXXX XXXX, they find it most beneficial to ignore customers ' complaints and just continue to sit on their claims ; they do not even bother to deny, so the customers could file an appeal. 
I wrote to Chase Card Customer Service twice to see that their card benefits are honored and customers ' claims are processed in a timely fashion, yet Chase has not taken any meaningful action. They refer me back to their Card Benefit Services and Card Benefit Services do not respond.
Product: Debt collection

I asked XXXX XXXX XXXX to cease and desist calling me at work ( only work not my cell which he calls multiple times a day ). XXXX XXXX informed me that he would not stop calling me and would be proceeding with legal action. 

XXXX XXXX explicatedly stated he was trying to collect a debt and was in debt collections.
Product: Debt collection

XX/XX/year> - Alerted by XXXX XXXX that a {$1200.00} loan was taken out in my name. Says XX/XX/year>. Loan number : XXXX- XXXX, Texas - XXXX is the person at the store. 
- XXXX : XXXX The person was prosecuted for information theft by the XXXX Police Department. 
Now, Debt Recovery Solutions is trying to collect from me, the party that had my identity stolen.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX | ACCOUNT # : XXXX | {$2400.00} XXXX XXXX XXXX | ACCOUNT # : XXXX | {$730.00} XXXX, XXXX | ACCOUNT # : XXXX | {$1000.00} XXXX XXXX  | ACCOUNT # : XXXX | {$0.00} XXXX  | ACCOUNT # XXXX XXXX | {$0.00} XXXX | ACCOUNT # : XXXX | {$0.00} XXXX  XXXX XXXX XXXX | ACCOUNT # XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX | ACCOUNT # : XXXX | {$620.00} XXXX XXXX XXXX | ACCOUNT # : XXXX | {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX and Account # XXXX, has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must remove wrong accounts from my credit report. Can you check? Some accounts listed have wrong information about reporting, like wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting an old debt that was resolved with the original creditor. They have filed litigation cases as a means to contact me. I contacted XXXX in XXXX and was advised that the debt was no longer active in their system. 

XXXX XXXX is reporting the exact debt from XXXX XXXX. Both companies are reporting the same debt. I reached out to XXXX XXXX to dispute because the original creditor is still reporting the outstanding balance.
Product: Debt collection

I disputed XXXX alleged accounts with QAR, LLC that were reporting in my XXXX, XXXX & XXXX credit files & reports. QAR was not a creditor of mine nor were they working on behalf of a creditor of mine. 

I disputed with the CRAs directly & with QAR but they are still collecting via my XXXX and XXXX credit file without providing proper docuemtation for the alleged debts. As a matter of fact, they are only making generic claims without producing any evidence for the alleged debts. 

I disputed the alleged debts directly with the CRAs 3 times & with QAR 3 times as well. 

Lastly, they claim that the alleged debts were owed to XXXX. However, XXXX has never sent me a bill for payment regarding any outstanding debt. Just because someone claims I owe a debt to someone does not mean I actually owed the debt. XXXX has never reported any information on me to any CRA and only QAR is making the claims. QAR has never sent me a bill for payment as well. The burden of proof is on the one making the claims. 

It is not upto the consumer to disprove that he does not owe the debt. I am merely disputing the alleged debts and QAR should put up or shut up & get out of my life. To date they have done neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Experian efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Experian is reporting inaccurate information on the accounts listed below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I have paid XXXX XXXX XXXX to settle a debt from Navy Federal credit union. The last payment was made on XX/XX/21, after several attempts to contact and verification that the settlement has occurred, I have not received a letter stating this and XXXX XXXX has not been notified. I keep getting the same promises to update but nothing has happened and my credit score is affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I placed a temporary lift on the security freezes I had on all 3 credit bureaus in order to apply for a credit card. I had picked a specific date range I wanted the lift to encompass. I received my approval on XX/XX/XXXX for my credit card. On XX/XX/XXXX, I contacted the credit bureaus to have my temporary lift removed and my security freeze reinstated. This was accomplished by 2 of the 3 credit bureaus ( XXXX and XXXX ).  However, after speaking with a representative, Experian advised they could not reinstate my freeze until after the expiration of the date I originally entered on XX/XX/XXXX. Not sure why the other two credit bureaus can accommodate this request but Experian could not, leaving my credit file open to possible misuse.
Product: Money transfer, virtual currency, or money service

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

I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 
Also, they aren't even in compliance with XXXX XXXX credit reporting. 
I have evidence to prove my case!
Product: Debt collection

Asset Acceptance now Midland Credit Management took me to court from a bill they said was mine, I looked up the company and they went belly up 19 years ago, knowing I am head of Household in Florida and they can not garnish me per court order, they sent a letter saying they had a lien on my home and they do not. I have asked for itemization to show where I used {$5500.00} and they never respond, they resort to threats. I have had it with them as they have even cussed at me over the years and have bothered me since XXXX  and are relentless. What can I do?
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$92.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$9.00} FCRA violations : payments never late XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$270.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX {$6600.00} Term 51 months ( 4 years ) Closed account Effecting my credit and abusing my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 602 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX files a claim on my behalf to my credit card ( chase sapphire ) which has an insurance benefit. The windshield cracked on the car while it was parked overnight at a family members home in Tennessee. XXXX sent me a letter on XX/XX/XXXX stating they had submitted the information to the insurance company. A company titled XXXX has sent three emails requesting the same information sent to them by XXXX and is requesting my credit card bill. I forwarded the same documents as enterprise but continued to get a same response but this time requiring a billing statement with my credit card information. The email does not match the name of the company. XXXX. Additionally, the website referenced in the letter from this company does not work. I tried on several browsers and computers and on different wifi accounts in the city I live in. The website also does not match the companys name - XXXX. I feel this is a fraudulent company and if it is not a fraudulent company, I shouldnt have to submit documents more than once. If they are through my credit card-they should already have my billing statement. XXXX has also verified the credit card was used and so has Chase. I have not received any paper mail from this company.
Product: Debt collection

On XX/XX/XXXX I received a document from XXXX XXXX XXXX XXXX XXXX, stating that its XX/XX/XXXX inspection of the apartment unit I was renting at XXXX XXXX XXXX, # XXXX, XXXX, Ca XXXX was in " OK '' condition. I had lived there since XX/XX/XXXX. 

On XX/XX/XXXX I provided XXXX XXXX XXXX XXXX XXXX with a letter of intent to move ( See accompanying letter ) in said letter I informed XXXX XXXX XXXX with authorization to keep security deposit and use it towards rents owed for the previous months rent, and that that would mean that I would owe a remaining balance of only {$80.00}. 

XXXX XXXX XXXX XXXX XXXX, accepted the security Deposit and added {$140.00} for a so-called deep cleaning of the very same apartment unit XXXX XXXX XXXX had just document was " OK '' and prior to that had always found my previous apartment unit as in good condition. I took a video and it is evidence of the apartment being in good condition. 

XXXX XXXX XXXX hired a debt collector who sent me a letter demanding {$220.00} and not what I really owe. There was only normal wear and tear which bars landlords from demanding payment for normal wear and tear.
Product: Credit reporting or other personal consumer reports

Equifax is reporting several inaccurate accounts on my credit report. 
I have made multiple attempts to have my information corrected on my report along with requesting original contracts and wet signatures and that information has not been corrected The first account is XXXX auto loan ( attached ) the terms state XXXX but it is reporting as a auto loan. This account is not mine and asked that it be removed from my credit report XXXX XXXX XXXX ( attached screen shot below ) being reported 30 days late as auto loan Under terms it states XXXX and in comments it states a auto fixed rate on other reports it is a ballloon payment I no longer have a contract with XXXX as the car was paid off in full XX/XX/2022 by XXXX. XXXX did not honor thier payout agreement with XXXX which does not automatically default to XXXX terms, requested this account be removed immediately XXXX XXXX XXXX is reporting a open collection in the amount of XXXX as late 120 days. A collection can not be late and I have never had a contract with XXXX XXXX XXXX. Requested validation of this debt and Equifax has yet to provide ( see inaccurate reporting attached ) XXXX is reporting open derogatory account in the amount of XXXX. The last reported date is inaccurate and payment status is reporting charge off collection for which an account can not be opened and charged off. I requested validation of this debt with wet signature and company failed to provide. Requesting this account be removed. 
XXXX  is reporting open derogatory account in the amount of XXXX. The last reported date is inaccurate and payment status is reporting charge off collection for which an account can not be opened and charged off. I requested validation of this debt with wet signature and company failed to provide. Requesting this account be removed. 

XXXX XXXX is reporting installment account with payment as XXXX and a charged off. This account is reported incorrectly. I have no record of this account and requested this be validated with wet signature and have not been given thar information to date. 

XXXX, i have No knowledge of this account and requested this be validated and Was not given validation There are multiple inquiries under dispute as a result of my name being spelled incorrectly and credit being pulled without my knowledge Please remove the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have continuously received consumer checks in the mail despite fraud from someone stealing the checks and using them. 

I have asked the company in excess of XXXX times to stop sending these. They have told me every time they have turned off the feature, yet I continue to receive these checks. 

Despite XXXX XXXX XXXX and filing formal complaints with multiple agencies they continue this behavior.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number Last XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Experian is reporting a dropped FICO score. It is a significant drop. I checked the other XXXX credit reporting bureaus and they have not dropped. Because there is a significant drop in my score, I called Experian and am repeatedly sent to membership services in an attempt to upgrade services at a cost. I checked my credit report and there is nothing that would account for or factor in the score being dramatically dropped. I believe that Experian is reporting a significantly reduced XXXX XXXX as a ploy to get persons to call and have them upgrade their services with Experian for a cost.
Product: Credit card

In XXXX I visited the XXXX under the XXXX XXXX while holding a XXXX visa, during which I got my SSN. Throughout my time in the country, I diligently safeguarded my SSN. However, on XX/XX/XXXX when I returned to the XXXX with the intention to work and opening a bank account ( and applying for credit card ), I decide to examine my credit report with XXXX, and the findings were profoundly unsettling. It became apparent that an individual had illicitly accessed and misused my personal information, including my SSN. I have a detailed report from XXXX with all bank accounts and credit cards, which have been opened for my name and SSN. There is a wrong Year of Birth connected with this fake account. There are fraudulent accounts in my name and associated with my Social Security Number ( SSN ) within the credit reporting agencies XXXX, XXXX, and TransUnion, complete with fabricated credit reports. 

There are fake bank accounts and credit cards : - XXXX XXXX  credit card opened XX/XX/XXXX - XXXX XXXX credit card opened XX/XX/XXXX - XXXX XXXXXXXX credit card opened XX/XX/XXXX - XXXX  XXXX credit card opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX credit card opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX credit card opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX XXXX XXXX credit card opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX XXXX - XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX ) - XXXX XXXX XXXX  opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.