23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The amount I was billed for was XXXX which is incorrect. I continuously called ALLY, finally spoke with a rep named XXXX from the investigation of vehicles who confirmed on XXXX XXXX approximately XXXX XXXX. She stated the damages I was charged for were in fact incorrect and the summons I was charged for would be removed as well due to them being incorrect. The rep XXXX stated she would send a new invoice with the updated amount for the up charge of the mileage being over. However ever bill I received since then has had the XXXX amount which I am not responsible for. For the entire duration of my lease with ALLY or any company I have NEVER missed a payment or been late. This is very upsetting being my credit score has been effected by this irresponsible charge of greed by ALLY. I have photos of the XXXX prior to it being returned with dates and time stamps. Hopefully the recorded line will come about with the rep telling me she in fact did NOT see any damages and would adjust a bill that I NEVER received.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures and prevent and address fraud on their platform. Furthermore the dispute and 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 lost, and I seek appropriate redress for these violations.
Product: Debt collection

I received correspondence from Receivables management in an attempt to collect a debt. Receivables management has themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. 
No dunning notice was provided and I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid:1. Full original account number2. Date original account opened3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt3. Consumer address at which original account was opened4. Date of first delinquency5. Itemized calculation of alleged debt 6. Original signed contract between myself and this creditor, not a copy. 
7. A copy of all payments made with beginning and ending balances 8. original creditor. 
If Receivables management is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement.This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX Mailing : XXXX XXXX XXXX XXXX, XXXX MI, XXXX Absolutely no phone calls from Receivables management in any manner other than permitted I will cease all communication ( invoking my legal right to request fco to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX and asked to verify account # XXXX in XXXX they said another company had it so I send them a investigation request letter in XXXX and they said they didnt have it anymore so I opened a dispute with Experian XXXX XX/XX/XXXX and it came back verified but with a repossession added to my credit card report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I am rightfully exercising my rights in good faith under the Fair Credit Reporting Act. I have recently discovered as of XX/XX/XXXX, that there are to companies in my credit report and consumer reports that have illegally re-aged the account I had in connection with these companies. Both these companies are XXXX XXXX XXXX XXXX XXXX. I have filed an FTC report regarding these accounts for fraud. This are inaccurately reporting on my consumer reports and are damaging my credit reputation due to incomplete information and the re-aging of the account associated with these companies. The date of last activity for XXXX XXXX report as account number : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, EQUIFAX XX/XX/XXXX, account number : XXXX Dates of last activity for XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX and EQUIFAX XX/XX/XXXX XXXX This account has not been paid since XX/XX/XXXX, and XXXX XXXX  account number : dates of last activity are for XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and EQUIFAX XX/XX/XXXX. The last payment made on this account was in XX/XX/XXXX. These companies are in violation of 15 USC 1681s-2 ( a ), FCRA Section 605 for Identity Fraud, and 18 USC 1001 . Block and remove these accounts. Delete these accounts.
Product: Credit card or prepaid card

My XXXX Master Card with First National Bank, account number XXXX was lost or stolen and incurred charges totaling to {$35000.00} statement with due date on XX/XX/2019 Last statement they sent is totaling to {$35000.00} I've contacted the bank with phone number XXXX, spoke to customer service rep named XXXX and reported the fraud on XX/XX/2019. 
I clearly stated that I personally I have nothing to do with any of charges posted on that card. 
Today XX/XX/2019 I received letter stating that my claim was denied based on the matter that I personally called and confirmed transactions from my phone. 
They provided me with new number XXXX then XXXX XXXX for additional assistance. 
At the time of the claim opening I specifically stated that I never called and confirmed any of the charges. 
I contacted my phone company to find out if technology used today can give access to someone else 's phone without their knowledge and was confirmed that it is unfortunately a possibility. 
I am clearly a victim of identity fraud.
Product: Credit reporting or other personal consumer reports

I have obtained a copy of my credit report and noticed unauthorized hard inquiries listed. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit profile, and I am requesting an investigation and correction/removal of these inquiries. 

The following hard inquiries are the ones I believe to be fraudulent or unauthorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries were not authorized by me and therefore should be removed from my credit report. I am concerned about the impact that these inquiries may have on my credit score and my overall creditworthiness. 

Please begin an investigation into this matter and notify me of the results at your earliest convenience. If you find the inquiries fraudulent please delete them off my credit report. 

Thank you for your prompt attention to this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on MACYS/DSNB. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>? I received an email from PayPal informing me that they need some information from me to verify my account or some of My recent transactions.

They also temporarily limited certain features in your PayPal account.

On the same day I provided them with : My Washington driving license, Proof of address, And my XXXXXXXX XXXX XXXX XXXX 

they sent an email saying they will get back to me within 2 days 5 days later I saw they have permanently closed my account and withholding my money, credit card points, Crypto and when I called PayPal to get an explanation they told me they don't provide any explanations.

All I have done for past couple of months is sending total less than {$500.00} to my brother in law in XXXX. 

which I don't think is in violation of any agreement with PayPal.

I would like my account to be reactivated again, if not I would like an explanation and my fund back immediately.
Product: Debt collection

Hello CFPB + Credit Collectors, I am a XXXX year old that started with credit early on. I made a lot of mistakes and everything got worse when I lost my job. I graduated from an intense XXXX XXXX program called XXXX. They train young individuals like myself relevant skills to survive in this thriving economy. When I lost my job it was unexpected. I had no idea the toll credit would have on my life. I am now in debt to all these credit card debt collectors. I would like a fresh start to all of this. I am ready for a new beginning. Below is some of the debt I have accumulated. I wish to get this debt off my back so that I can contribute to my neighborhood. I want to give back and help others but with debt I am completely frozen and am not allowed to do anything. I have learned my lesson. 

" XXXX XXXX XXXX , XXXX '' : {$630.00} XXXX XXXX : {$350.00} XXXX XXXX : {$820.00} XXXX XXXX XXXX , XXXX : {$960.00} I would also like to dispute a debt with CREDENCE RESOURCE MANAGEMENT LLC for {$1500.00} The confirmation number for this is XXXX. I have already payed this debt. Please help me settle this debt. I have learned my lesson with credit.
Product: Debt collection

I received a notification from the court that said that I did not appear to court on time and the letter did not tell me the time either, and then it appears that it was in early XXXX when I received the notification a week ago. One week after the 1st notification I received the demand for payment. and obligation now i don't know what i can do.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX  XXXX Balance {$790.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$760.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1400.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account ending in : XXXX I contacted Regions Bank on multiple occasions during the stent of my loan I was XXXX XXXX XXXX XXXX. I asked information on how to submit Supporting documentation for any applicable XXXX benefits. I was never provided an accurate number and never received confirmation my documentation was received. My APR % 6.75 was not lowered during anpplicable periods. 

I believe that late payments were reported in error on my credit report this action was not corrected nor was I provided documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$960.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UN-AUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I receive a response from this company that simply telling me that the call they call their sister company and they dept was accurate and Im not satisfied with that so Ill challenge this company to show me proof of Id social or signature or any other documents that was use to validate this dept Ill like this in writing by mail or email! And if this company fail to provide all proof to show that this Debt is 100 % accurate Ill ask for them to remove this account under the fair credit act
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding EXPERIAN INFORMATION SOLUTION 'S recent reinvestigation involving inaccurate account information showing in my consumer disclosure report with EXPERIAN INFORMATION SOLUTIONS.A written notice of the inaccuracies were mailed on XX/XX/2023 and the tracking number is XXXX. The following accounts remain inaccurate after EXPERIAN 'S recent reinvestigation : XXXX XXXX and XXXX XXXXXXXX XXXX XXXX These accounts still have the same inaccurate information being reported in my consumer disclosure report. XXXX XXXX XXXX XXXX is still reflecting a total of three late payment dates in a row for the year 2023 and XXXX XXXX is reflected as an incomplete account. In the " Payment Summary '' section it shows " ND, ND, ND '' for the year 2023. I am requesting the removal of the late payments with XXXX XXXX XXXX XXXX and the removal of the account with XXXX XXXX as it is still reported as an inaccurate incomplete account. Per Fair Credit Reporting Act 15 USC 1681i ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian and XXXX on XX/XX/2021, XX/XX/2021 and XX/XX/2021 about 2 UNVERIFIABLE bankruptcies on my credit report. The FCRA states that if an account can not be verified it must be removed from my credit report. Experian and XXXX says they got the bankruptcy information from XXXX XXXX so I contacted XXXX XXXX myself and XXXX XXXX couldn't verify the bankruptcies so they deleted both of them from the database. Experian and XXXX can not verify the bankruptcies that they are reporting so according to the Fair Credit Reporting Act, they must delete both bankruptcies from my credit report. I am attaching the confirmation letter I received from XXXX XXXX to show the bankruptcies were deleted from the database. If Experian and XXXX don't delete them I will be looking for an attorney.
Product: Credit reporting

The credit report refused to do their duty under the law so I involved the FTC and the Police Deprtment
Product: Mortgage

XX/XX/XXXX : Real Time ResolutionsXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, CaliforniaZip Code XXXX Re : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California Account No. : XXXXDear XXXX XXXX XXXX : This email is in confirmation of the information contained in your facsimile transmission XX/XX/XXXX, of the unsigned letter from XXXX XXXX XXXX Customer Servicing Department dated XX/XX/XXXX entitled " Notice of Assignment, Sale or Transfer of Servicing Rights, which in sum and substance states that the servicing rights to the above referenced account representing my second promissory note, in the approximate amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$100000.00} ) dollars, secured by deed of trust, was sold by XXXX, a operating division and, or subsidiary of XXXX XXXX XXXX, to Real Time Resolutions XXXX Inc., on or about XX/XX/XXXX, at a time when I was engaged in Chapter XXXX, Bankruptcy proceedings before the United States Bankruptcy Court for XXXX California XXXX, California, without having first applied to the court for relief from stay from the provisions of Section XXXX ( a ), of the United States Bankruptcy Code. I have been able to determine, from other sources at XXXX XXXX XXXX, that this notice was intentionally or negligently defective in that it failed to state that the promissory note and deed of trust encumbering the above referenced real property were also sold by XXXX XXXX XXXX to Real Time Resolutions , Inc., on or about XX/XX/XXXX, also without obtaining the consent of the Bankruptcy Court for permission to engage in an action which does or may affect my rights as Debtor to property of my Bankruptcy Estate. 

This sales transaction has additional ramifications in that I never received notice of the sale of the promissory note and deed of trust, from any party to the transaction, as required by California law, and was thereby prejudiced in my ability to determine to whom my obligation was owed so as to make payment on the promissory note or to otherwise discharge the amount represented by the promissory note as being unsecured by the deed of trust due to a lack of equity in the real property at the time of the filing of my Chapter XXXX, Bankruptcy Petition, sufficient to cover the amount of the obligation. 

My attorneys have advised me that I should reopen my Bankruptcy proceedings to unwind these transactions and obtain a discharge of the promissory note and deed of trust. To that end I have petitioned the Bankruptcy Court to reopen my Chapter XXXX Bankruptcy proceedings. However, I have held preparation of a complaint seeking the avoidance of this obligation in abeyance due to the considerable expense of prosecuting a complaint for avoidance of this lien and the representations made by XXXX XXXX XXXX that it was willing to voluntarily reconvey the deed of trust to me and cancel the promissory note. If this is still the case please advise me in writing on or before close of business XX/XX/XXXX 


Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out

to the creditors to ask the following but they have FAILED to provide such. Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose
of the inquiry and the type of credit product or service associated with the inquiry. Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, o
r disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall any of these inquiries to below and had already filed an identity theft report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX has violated my rights. 


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 or other personal consumer reports

My continuous efforts to rectify the fraudulent, erroneous, and misleading entries on my consumer report have been ineffective. These false records have severely disrupted my life, causing substantial XXXX and distress. As an identity theft victim, I must emphasize that I never authorized or agreed to have this information associated with my name.
Product: Credit card

I applied for a Discover it Miles card, my application number is XXXX. I was denied based on " Status Of Existing/ Prior Discover Card Account " that was satisfied due to the fact there was a security deposit on the card and because of my credit report. 

I gave you an application that you will turn into a receivable, sell on the secondary market, and make all your money. Even though on page XXXX of Risk Factors on your XXXX PROSPECTUS DATED XX/XX/2022 you specifically state, and I quote We do not currently intend to apply for listing of the notes on any securities exchange or to include the notes in any automated quotation system. I gave you an application that you will turn into a receivable, sell on the secondary market, and make all your money. I gave you my Social Security number and now you're acting as power of attorney and fiduciary on my behalf. 

Another thing I found on page XXXX of your prospectus as it states XXXX scores are based on independent, third-party information, the accuracy of which we can not verify. My credit score isn't a factor in whether I was approved or denied.