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

I was reviewing my consumer report and noticed frivolous accounts and inquiries that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorized, delete
Product: Credit reporting or other personal consumer reports

Experian keeps deleting my address from my consumer profile. Experian keeps removing my address. Add my address back to my consumer profile.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, TD RCS/XXXX  and XXXX entered into a credit agreement that included a mandatory arbitration clause, explicitly stating that any disputes would be resolved through arbitration administered by the XXXX XXXX XXXX XXXX XXXX XXXX and governed by the Federal Arbitration Act. 

In direct violation of this agreement, TD RCS/XXXX  sold my alleged debt to XXXX  XXXX  XXXX XXXX without my consent. This action has caused me significant harm, including severe damage to my credit score, emotional distress, and potential exposure to harassment by debt collectors. TD RCS/XXXX  willful disregard for our arbitration agreement and its decision to sell my account to a third-party debt collector have directly resulted in these damages, for which TD RCS/XXXX  is fully responsible. 

Despite the clear terms of our agreement, on XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX, attempting to collect on the alleged debt originated by TD RCS/XXXX. This action is an inexcusable breach of our arbitration agreement, as it intentionally circumvents the agreed-upon dispute resolution process. 
Furthermore, TD RCS/XXXX  assignment of its rights and obligations under the agreement to XXXX XXXX XXXXXXXX XXXX XXXX XXXX consent is a further violation of our contract. Consequently, XXXX XXXX XXXX XXXX is vicariously liable for TD RCS/XXXX material breach. 
XXXX XXXX XXXX XXXX attempted collection is not only a breach of the arbitration agreement but also a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from engaging in unfair, deceptive, or abusive practices, including the failure to honor contractual obligations such as arbitration agreements.

To address this unacceptable situation, I demand the following : 1. TD RCS/XXXXXXXX  and XXXX XXXX  XXXX XXXX XXXX XXXX cease all collection efforts and honor the binding arbitration agreement. 
XXXX. TD RCS/XXXX  must compensate me for the substantial damages caused by its breach of contract and the sale of my account, including but not limited to, any legal fees incurred, emotional distress, and harm to my credit score. 

XXXX. TD RCS/XXXX  and XXXX XXXX  XXXX XXXX must provide written confirmation within 5 days of receipt of this letter that they will honor the arbitration agreement, cease all collection efforts, and compensate me for damages. 
If I do not receive a satisfactory response within 30 days of the date of this letter, I will have no choice but to proceed with filing a claim against TD RCS/XXXX  and XXXX XXXX  XXXX XXXX per the terms of our arbitration agreement. This claim will seek to enforce the arbitration clause, address the material breach of contract, and pursue all available remedies for the significant damages caused by TD RCS/XXXX  actions. 

XXXX. XXXX XXXX XXXX XXXX has already been sued on TD RCS/XXXX  behalf XXXX or Around XX/XX/XXXX. The settlement agreement was reached on or around XX/XX/XXXX. 
XXXX. After such actions were taken against XXXX XXXX XXXX XXXX TD RCS/XXXX  still failed to mark the account disputed on my consumer report.
Product: Credit card or prepaid card

I became knowledgeable that my credit score had dropped significantly from a XXXX card bill which I received- I called XXXX to find out why - My credit is perfect and I don't carry any balances on credit cards- They advised me that Citi card had a $ XXXX plus balance which was derogatory and advised me to call them- so I did- I opened an investigation with them after learning that a card was opened in XX/XX/XXXX- I did not apply for a Citi card in XX/XX/XXXX- I never heard back from Citi - about thirty days later I called XXXX again because I had made a compliant about the fraud account, they advised me that Citibank declarer that it was my account. This is untrue. I called Citibank again. 
The first compliant was on XX/XX/XXXX & the second one on XX/XX/XXXX- they said they will investigate it. I'm getting nowhere with them, they are useless, there consumer help line you only talk to people who struggle with English, don't care what you have to say and don't resolve anything. 
What I have learned so far is that the charges were made in Florida, where I don't live, I never received a bill or notice from Citibank related to the charges. Its a fraud account or stolen account - The charges are not mine. 
This should be easy to investigate - I asked them where are the bills going, they wouldn't answer. I need it resolved immediately Its is stolen, fraud whatever you want to call it- Citibank is making it impossible for me to resolve, cant talk to anyone with a any expertise in these matters just incompetent people who are the furthest thing from helpful or concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is an inquiry on my credit from Discover Home Loans that I did not apply for or authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 


XXXX XXXXXXXX # 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: Debt collection

I 've never received information regarding the debt nothing validating stating it belongs to me yet signed off on this liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 - A recent class action lawsuit accuses Capital One of forcing their customers to pay interest on ... affirm these common sense understandings, but Capital One 's actual practice does not. ... Capital One Bank ( USA ) NA, Case No.
Product: Credit card or prepaid card

The company JPay LLC has been illegally charged me fees on my XXXX debit card from XXXX  XXXX XXXX since XXXX. This is against the law under the federal electronic transfer fund act this is a formal complaint I'm asking that the company pay me {$1000.00} per every time that they charge me a illegal fee and in XXXX they violated the gate law when they access my department of corrections release money
Product: Payday loan, title loan, or personal loan

Got a installment loan due biweekly with Check into Cash for XXXX. Missed one payment due to being laid off for COVID 19 Paid the remaining balance due and also paid and extra {$200.00} to be ahead and was still charged another late payment the following week and there after on a current account. Called and the representative satiated that she would correct the issue on XX/XX/XXXX in XXXX they did the day thing continuously weekly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Equifax and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * XXXX XXXX, Equifax and XXXX never responded! 

Further More Experian, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that XXXX, Equifax and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to XXXX years in prison, in addition to civil liability. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

So many fees, funds disappearing, I have constantly made calls but representatives can't answer or talks in circles. I'm so frustrated.
Product: Debt collection

Some open a credit card in my name and used the balance and never made a payment at a different address and only realized because checking my credit report and called the company. It was identity fraud Ive tried disputing but have had no luck
Product: Credit card or prepaid card

I paid Care Credit {$1300.00} for my credit card payment on XX/XX/2023. The balance was {$3300.00}. The payment posted at my bank and they received the payment and updated the new balance and also say no payment due at this time. They never updated my available balance. I called several times and talk with management and they said because of a large payment they cant update my available credit until XX/XX/2023. I said you received the payment and they say It is a large payment, so a lot of people make large payments on their accounts doesnt mean I dont have the funds. No matter what I say they denied to update my available account.
Product: Debt collection

My auto lease was handled by Ally ( XXXX. XXXX XXXX XXXX, MN XXXX ; XXXX ). I have contacted the lender on multiple occasions, having spent many hours on the phone to resolve what is an internal billing schedule error on Ally 's part. In short, I have made every monthly payment, and a review of my payments verifies that I send my payment every month via my online billpay, consistently between the XXXX of the month. I was informed by a representative several years ago now that they would in fact fix their billing due date on their internal systems so that I would not be charged late fees/penalties. This was never done and they have now for years continued to carry a balance on my account for wrongful late charges. Several days before I turned the vehicle in ( lease came due in XX/XX/2018 ), I spent over an hour on the phone yet again disputing the {$100.00} charges and was told that the amount would be discharged in its entirety without any negative impact. Yet, I continue to receive bills every month for this amount and am now being threatened with notice of intent to report negative credit information. I AM ABSOLUTELY APPALLED BY THESE DECEPTIVE AND FRAUDULENT PRACTICES OF ALLY AUTO AND REFUSE TO PAY THIS INACCURATE CHARGE. THEY HAVE SHOWN AN ABSOLUTE UNWILLINGNESS TO ACT FAIRLY AND IN ACCORDANCE WITH THE LAW AND SIMPLY RESOLVE THIS, ESSENTIALLY DISREGARDING THE MULTIPLE ASSURANCES I WAS GIVEN BY MULTIPLE REPRESENTATIVES THAT THIS WOULD BE REMEDIATED. AND, HOLDING A NEGATIVE CREDIT REPORT OVER MY HEAD ONLY REINFORCES THEIR UTTER LACK OF CUSTOMER SERVICE AND CHOICE TO BULLY CUSTOMERS RATHER THAN ACCEPT RESPONSIBILITY.
Product: Credit reporting

Hi my name is XXXX XXXX. I got an application for a credit card from XXXX and i call them. They did not give me the credit card. I have had several car accident not my fault, Some the drivers did not have an Insurance so my bills end up in collections. Most of the bills got paid but some still lingers in my credit records. I pay my bill on time but cuz i am XXXX and no t working some times is hard to be on time to pay the bills. I try my best always. Dear sir or Madam the reason i write this letter is some one has changed my name from XXXX XXXX to XXXX I been getting calls and applications for XXXX of dollars to borrow. Calls after calls can i talk to XXXX? I have no idea who changed my name that XXXX XXXX is so good that they lend him XXXX lol. I wonder is this that easy to change XXXX letter of some on and create a new person. I called XXXX XXXX and asked who is this XXXX that has my address and you keep sending applications for loans and credit cards. The XXXX agent told me they get these information from Credit reporting companies and gave me their # 'c so i called now i got all kinds of rights send to me. But not how to correct this problem. Can you help please, XXXX is not fun as it is to put up with this blows my mind. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Information Solutions , Inc. 
Attn : Privacy and Identity Protection Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian Information Solutions , Inc. XXXX SUBJECT : NOTICE OF BILLING ERRORDISPUTE, DISCREPANCIES IN PAYEE IDENTIFICATION, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES I am forwarding the attached document to your company for your immediate attention and action. This serves as my final demand and notice regarding the reinsertion or refusal to correct inaccurate information, even when presented with evidence of error from consumer credit reporting agencies. It is important to understand that such actions may be considered a violation of 611 ( a ) ( 1 ) and ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act ( FCRA ). These violations can result in statutory damages of {$2500.00} per proven violation. Therefore, the refusal to update my credit reports, without a legitimate reason, to reflect accurate information regarding unsecured accounts or alleged debts associated with the unknown creditor or furnisher may be viewed as a violation of the FCRA. 

I kindly request that you promptly remove any incorrect items from my credit report and provide me with an updated credit report. Additionally, I expect you to update my consumer files, with the appropriate notation of Account disputed, with the consumer reporting agencies, as outlined in section 611 [ 15 U.S.C. 1681s-2 ] of the FCRA. The unresolved matter has caused me ongoing stress, XXXX, emotional and mental anguish, invasion of my privacy, embarrassment, and significant financial harm. I request that you inform me of the outcome of your investigation. 

Respectfully submitted, I am XXXX XXXX XXXXXXXX XXXX XXXX XXXX All Rights Reserved without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy that was placed on my accounts from credit bureau I have no knowledge of the proceedings I notified bureau who refuse to remove the inaccurate information all I was told from the bureau was that the bankruptcy was dismissed which Im sure of that if it was reported fraudulently this has caused me to become homeless with my XXXX  kids I told them who seems to not care.my life has been destroyed due to identity theft or some sort of mix up
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX They do not provide me with the orginial application like I asked. I Also asked for a sign document with the collecting parties and myself. If parties can produce a signed document proving i contracted them collect this debt then i will be in contract to pay debt by dollar. Upon further investigation i would like to have all documents reviewed to assure that there is no fradulent reports made on my behalf in the near future. A lwayer friend of mines told me i have the right to request who authorized this collector to submit this claim to my credit report without my permission. I will be charging a {$1000.00} fine for each infraction on my credit report if this was unauthorized according to the law stated by the 15 U.S.C. Sec. 1681i ( a ) .I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, and XXXX  XXXX # XXXX. 

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 an account without 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, 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,
Product: Credit reporting

I have previously written to the credit agencies and to the collection agencies regarding XXXX collections that is showing up on all XXXX of my credit reports to no avail have I been able to obtain proof/verification that these belong to me. They were previously deleted and then reinserted, which I think is of fair for me. I would like to solve this issue without any further obligation. 

1. XXXX {$680.00} 2. XXXX {$330.00} 3. XXXX XXXX XXXX {$330.00}
Product: Money transfer, virtual currency, or money service

From XXXX XXXX to XX/XX/XXXX I have several uncompleted transactions from cash app the money was sent and receive but cash app hold it and refuse to completed the transaction I have called and email cash app from the app and from email in several occasion problem not resolve my bank can not help me cause they do not see any deposit from cash app cash app only deposit a few transaction to my checking not all XX/XX/XXXX from XXXX XXXX {$150.00} not completed, XX/XX/XXXX XXXX {$500.00} not completed, XX/XX/XXXX XXXX XXXX XXXX {$500.00} not complete, XXXX XX/XX/XXXX {$500.00} not completed, XXXX XXXX XX/XX/XXXX {$500.00} not completed XXXX XXXX XX/XX/XXXX {$1.00} not completed total of {$2100.00} for XX/XX/XXXX For XXXX XX/XX/XXXX XXXX XXXX {$30.00} XXXX XXXX XX/XX/XXXX {$35.00} not completed XXXX XXXX XX/XX/XXXX {$21.00} not receive XX/XX/XXXX XXXX XXXX {$20.00} not completed, XXXX XXXX XX/XX/XXXX {$20.00} not completed, XX/XX/XXXX XXXX XXXX {$50.00} not completed XX/XX/XXXX XXXX XXXX  {$150.00} not completed XX/XX/XXXX XXXX XXXX {$150.00} not completed XXXX XXXX XX/XX/XXXX {$40.00} not completed total of {$520.00} for XXXX all together will be {$2600.00}
Product: Credit reporting, credit repair services, 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 accounts FAIR COLLECTIONS AND OUT and XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A - STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 section 604 A section 2 a 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 CONTAING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, ORTHER THAN RECORDS OF CONVICTIONS OF CRIMES 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
Product: Student loan

I do not receive statements/bills or any other documents from SallieMae. This has been going on for a year and is still not fixed. My XXXX 2016 statement was not even sent or generated on my account in a PDF for me to view, so my payment was late. I 've called numerous times and the customer service people just ask questions, procedure I get it, but after that tell me everything looks fine. I 've changed how I receive information to paper form and that has not helped, in fact XXXX 2016 should have been the first paper form and as I said, that was never sent. The representatives become rude when I get upset and it seems that they no longer want to help me. They just tell me to pay my bill, even though my date was changed with my XXXX loan and I was not notified. My tax for went to my co-signor instead of me which I was told should not happen. I should receive statements, no questions asked. I was not charged late fees, but am still upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.
Product: Money transfer, virtual currency, or money service

I am writing to you because I recently experienced digital fraud via a XXXX money transfer for the amount of {$3500.00}. I did not authorize this transaction and have contacted my bank in order to dispute it. Unfortunately, the bank denied my dispute and is holding me responsible for it. 
the money transferred from my account on XX/XX/2023 i found out the following day and report it to the bank on XX/XX/2023 claim number Bank of America XXXX XXXX the money transferred to this person XXXX I am hoping that you can help me resolve this issue as soon as possible. I understand that this was an unauthorized transaction and should not be held liable for any damages incurred by it. 

Please let me know if there is any way that you can help me in this situation. I would greatly appreciate your assistance in this matter. 

Thank you for your time and consideration,