23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 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 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 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

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Original Creditor : XXXX XXXXXXXX Account Number : XXXX Address : XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX Phone Number : ( XXXX ) XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from XXXX XXXXXXXX Account Number : XXXX. This Collection account is reporting not only as Open on all accounts but also shows a past due balance of [ {$260.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. 


Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a bill for {$4100.00} on a non-existent timeshare account on XX/XX/XXXX. I immediately sent it to my attorney. My attorney wrote to them asking for proof of debt. On XX/XX/XXXX, nearly a year later, they wrote back to my attorney, not with the requested information but showing a new balance of {$2800.00} and an offer to " settle '' for {$800.00} as a " gesture of good faith. '' I do not owe this debt and they are unable to prove I do owe anything. My attorney said that the fact they responded not with proof of debt but another " offer '' to settle is a violation of consumer protection law and subject to a {$1000.00} fine and inability to have them contact me again.
Product: Debt collection

I 've been paying on this student loan ( private ) that had gone into collections for almost two years. While working with a credit repair agancey they told me that the $ XXXX that I owed and had been paying on was not being reported to my credit report and would remain in collections until I paid in full or settled. Also their interest rate was 4 % on the loan amount per day! so only half of my monthly payment was going toward the loan. I find that it 's totally illegal to hold someone hostage like this with such a huge amount ESPECIALLY when they are paying on time and have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on my XXXX XXXX, XXXX, XXXX are not accurate. my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I never lived at another address in the past 10 years. my name is : XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX I XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX DATE OF BIRTH : XXXX XXXX XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX / XX/XX/XXXX / PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX EMPLOYER : MILITARY XX/XX/XXXX RETIRED XX/XX/XXXX XXXX XXXX XXXX XXXX NY XX/XX/XXXX RETIRED XX/XX/XXXX MILITARY XX/XX/XXXX RETIRED XX/XX/XXXX XXXX XXXX/
Product: Debt collection

Hello, XXXX credit card by Continental XXXX is trying to make me pay {$590.00} after closing my account against my will and then reopening it after attempting to enroll in XXXX XXXX  XXXX and unemployment related disaster impact. Their terms and conditions state that I do not have to pay an annual fee and interest will not be billed to my account. However, this debt continues to accumulate and Ive made several daily effort and attempts to reconcile this dispute.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX is reporting inaccurately and in violation of several FCRA statutes including code 15 US 1601. 

Account number XXXX is reporting the following inaccuracies. 
Credit Limit Date of Last Active Date of Last Payment Last Reported Reporting Status Late Payments No Payment history on XXXX
Product: Credit card

CapitalOne solicited me for opening a credit card account with them through my Walmart XXXX account. I was previously using my personal XXXX XXXX XXXX XXXX to effect payments to walmart. CapitalOne approved my credit card and later sent the physical card to me. XXXX days after approving my credit card I received a call from someone in the XXXX that I had difficulty understanding because of their poor accent in the XXXX language and because I wear hearing XXXX often. They required me to send them a copy of my Driver 's licence and in addition to that required me to send them a copy of my Social Security Card. I refused and they told me that my account was therefore placed on suspenion. I continued to operate with my XXXX platinum to pay for my walmart XXXX online purchases. However and unknown to me XXXX charge for a povidone iodine order totalling {$28.00} was charged somehow to the suspended card ending in XXXX. I never espected that a suspended credit card. Last week on or about XX/XX/2023 I received an invoice from Capital One stating that I owed them almost {$100.00} for this {$28.00} purchase which included late payment penalties interests and who knows what else. I spoke to a manager at Capital One who stated that she would remove all penalties and interests and just leave the {$28.00} charge. I Received an email from XXXX and XXXX today stating that I had received a negative report from Capital One. I called them again. Asked for a supervisor. Was placed on hold. A supervisor named XXXX, refused to give me her last name, came on line. Half an hour later she again asked me to provide her with a copy of my driver 's license and a copy of my social security card. I refused and asked her to close my Capital One Walmart account and completely remove me from all unsolicited email lists from capital One. She said that she could not guarantee that and that my account with them even though closed would continue to accrue penalties and interests and be reported as unpaid. Please help me. I [ m XXXX years of age and my wife is XXXX. We atre both retired living the last part of our lives in peace, or trying to. Thanks in advance for any help you XXXX afford us.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 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: Checking or savings account

On XX/XX/XXXX at XXXX I used my Current Debit Card to make a transaction from my Current Checking Account to my XXXX XXXX XXXX so that I could move it to my other debit card not related to Current so I could get gash to pay my rent. During the transaction XXXX approved the transaction for receiving the monies, however Current Bank declined the transaction at the last minute, therefore holding up my 600.00 in a pending status. This is the only money that I had. Today my family and I are sleeping in our vehicle because we could not access our funds to pay our rent. Current will not help solve the transaction they want the time to run out of 10 days. I don't have 10 days, we have no food, no shelter. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX living now in a car because of this nonsense. Today is XXXX and I can not even get enough money for a meal for them. I am standing out begging strangers to please help us all because current pulled some shady transaction and held up all my money. I spoke with XXXX XXXX and they indicated that is a common occurrence with this Current Bank. It is fraudulent and I bet if someone looked deep enough they would find some fraudulent activities going on. As of now I am out 600.00. I am seeking legal help come Monday morning. I may not get anywhere but I at least have to tell my story in hopes someone will listen.
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 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

To whom it may concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp.

2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX., No. XXXX ( XXXXXXXX XXXX. XXXX ), you may be liable for your willful non-compliance. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

ABR Recovery Services LLC refuses to address BOTH accounts they are reporting to XXXX. I will put a complaint out every single day until it is rectified. I will send a complaint to the Attorney General of California until they are federally investigated. I will do whatever it takes from here on out to get these fraudulent re-aged accounts off of my credit profile. 
I am attaching both accounts listed on my credit report that you guys keep changing dates on. I want a FULL explanation of both accounts. When they were opened, when they were charged off and the exact amounts of BOTH accounts. Until I get an explanation of both accounts, and why one the newest account I wasnt notified and just landed on my credit report 2 months ago, I will pursue this until the end. 
PLEASE SEE ATTACHED CREDIT REPORT PAGES SHOWING BOTH ACCOUNTS. SEND ME A COMPLETE EXPLANATION ON BOTH ACCOUNTS AND DATES!
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was horrified to find accounts on my credit report that dont belong to me, and I have no clue how this happened. I check my report regularly, and everything has always been accurate until now. I even refreshed my browser several times, hoping it was a simple mistake, but the errors didnt go away. Please, I need someone to carefully examine the documents I provided so I can stop worrying about this nightmare.
Product: Credit reporting or other personal consumer reports

Hoping this message finds you well. I am reaching out today to provide a follow-up, as within the next 15 days, I will be updating my credit reports. I am conveying this message to ensure that you have successfully addressed the removal of all the items listed in this complaint, as well as those outlined in my previous communication dated XX/XX/XXXX. Additionally, I have re-attached my FTC Report # XXXX for your reference. Please review the listed items for removal for each bureau : **********EXPERIAN********** XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked on my credit and i noticed a collection from a company I dont do business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done my best multiple times using every method available to me to keep my information current on my Equifax credit report. 

I have mailed disputes with documentation more than once to receive no response from Equifax. 

I have disputed over the phone to receive only passive responses from Equifax. 

I have tried to cite credit law to Equifax to try and get them to remove old and inaccurate information from my credit reports. 

I sent them documentation upon documentation to clarify what I believed was inaccurate or should be removed. Including but not limited to highlighted copies of my credit report with the errors circled or explained in permanent marker on the pages of my printed credit report. 

Their information always lags behind the other two credit bureaus by 60-90 days. They do not update information or check information reporting monthly as required by FCRRA. They are still reporting information from places that no longer exist and I know this because I sent them a copy of a returned envelope, returned by the post office. 

My credit cards, credit utilization has been 25 % for two months by the other bureaus to have Equifax not even report that correctly. They do not show my balances on my credit cards accurately or timely. 

Today is XXXX and I applied for a loan with XXXX to have Equifax report wholly inaccurate information and a wholly inaccurate and unfair score. They were the direct cause of me not getting the credit I deserved. 

Even when you use every method at your disposal to dispute or request they do as they are supposed to do and report accurate information it falls on completely deaf ears at Equifax. They do not care about the record holder and they do not care about the legislation and the rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I filed bankruptcy. I also signed a reaffirmation agreement for my home loan and my auto loan. Ever since, Freedom Mortgage, my home loan servicer, has not reported to the credit agencies, and has reported my open, existing loan, that I continue to pay for and I continue to be in possession of the property, as a closed account. This account is very much open and I am very much still paying on the mortgage. I called Freedom Mortgage on several attempts to rectify the situation with no luck. My most recent attempts were the last week of XXXX, when I spoke with a customer service representative, they said they opened a case on it. I followed up on XX/XX/XXXX, there was no notes in the account that I am trying to get a resolution. The girl stated she sent it to their legal department, she said she researched my file and was able to find my reaffirmation agreement. She stated that I would hear from the mortgage company by the next Tuesday. The following Wednesday approached and I still had not heard anything. I called Wednesday the XXXX and spoke with a supervisor that said he can not do anything, nor can he provide me contact information for their legal department. I followed up with another phone call XX/XX/XXXX and there still is no action.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report, and notice that my account for XXXX XXXX XXXX XXXXXXXX account type, " Credit Card '', and noticed a couple of late payments from March- XX/XX/year> that I was never late for. Consumer Reporting Agencies have a vital role and a responsibility to report Consumer to their best ability with maxim accuracy. I have never been late on the payments for the account # XXXX. Please investigate and provide proof showing these payments were late. If proof can't be provided I demand these payments to be updated on time as I was NEVER LATE. Thank you in advanced.
Product: Credit reporting or other personal consumer reports

my bankruptcy is being reported and it shouldnt be due to courts dont provide nor they vetify to the credit bureaus at all, all three credit bureaus are saying the courts vetify all my bankruptcy which isnt true.
Product: Student loan

Received electronic ( e-mail ) billing statement from MOHELA ( loan servicer ) on XX/XX/ with a due date of XX/XX/XXXX This billing statement was backdated to XX/XX/ and did not provide the 21 days advance notice as outlined by the Department of Education ( information here : https : //studentaid.gov/manage-loans/repayment/repaying-first-time ). The correct payment date should be XX/XX/. I have submitted the payment today ( XX/XX/ ) but am concerned that this will count as a late payment on my credit report. 

I have been unable to reach a representative of MOHELA on the phone, as the website reports high call volume.