23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested the original consumer contract with my signature that you have on file to verify if this debt is accurate. By law you need to DELETE accounts that are inaccurate, incomplete or unverifiable... The company responded with the following actions taken on my credit file : " You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. ONLINE INFORMATION SERVICES-UPDATED XXXX XXXX XXXX... 

Complaint I.D # XXXX ... No original contract was given or sent via mail : account was not verified. Please view 15 USC 1681i and 15 USC1681s-2
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, REGIONAL ACCEPTANCE CORP add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is my Third written request for Method of Verification.

Your company has failed to provide me with this information that I requested in regards to the reporting status of an account. You continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB and FTC. As you are aware, per FCRA and the FCBA, that all creditors must be compliant and accurate when reporting information.

You have failed to comply in a timely matter and continue to violate my rights. How can I be sure that your reporting status of this account is accurate? What Method was used to determine the account status? How did you determine the status of this account? When did your company verify this account and where did your company find its source of verification? Why do you blatantly continue to ignore my requests for this method of verification? 
I demand the following unverified accounts be provided physical verification or deleted immediately. Please Provide Method Of Verification. These unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : 1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX  Delete this account. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Account Number : XXXX Delete From My CREDIT REPORT 8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

XXXX is calling my friends and family and threatening legal action on a debt not mine. They have my information wrong and continue to call and harass my friends and family after being told to stop calling. 

XXXX/XXXX/XXXX - called friends and family XXXX/XXXX/XXXX - called friends and family XXXX/XXXX/XXXX - called friends and family
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report and credit score has suffered adversely because of the XXXX Data Breach in XXXX XXXX XXXX and then again in XXXX XXXX. I have over ONE HUNDRED UNAUTHORIZED INQUIRIES and Collections ( XXXX XXXX XXXX was a public record that was deleted ( default judgement ) now back on as collection account again without Five day notice to reinsert ) on my credit report in which I have disputed Several times at the same time this breach was happening XXXX XXXX XXXX XXXX XXXX ) in which the results were " inquiries are factual record ''. Of course they 're factual if someone HACKS XXXX DATA System with all of their CONSUMERS INFORMATION!!!. I have also spoken to 3 Customer service reps XXXX on XXXX/XXXX/XXXX ( XXXX 1 hr ) who said she would start a dispute but did n't, called again on XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ( Nevada ) # XXXX who supposedly started one but ca n't find information in system. Last and FINAL time talked to XXXX XXXX/XXXX/XXXX ( XXXX XXXX XXXX who said she would start one # XXXX not sure if that 's the right number, but ca n't be found in system.I am so frustrated and disappointed by XXXX  RESPONSE, It seems they DO N'T care about ruining CONSUMERS CREDIT. 
I WANT THESE UNAUTHORIZED INQUIRIES AND COLLECTIONS REMOVED IMMEDIATELY AND NOT 30 DAYS as I have already started this process 3 Times!!! 
If a Identity Report is required how do I go about filing one against XXXX!!!
Product: Vehicle loan or lease

I leased a vehicle from Kia Motors Finance in XX/XX/XXXX, i paid over {$3000.00} as a " due at signing '' amount and the lease term was for 3 years and 3 months with XXXX miles. The vehicle was due to be turned back in by XX/XX/XXXX. I returned the vehicle on XX/XX/XXXX in excellent condition ( i have a condition report with pictures done by a licensed company used by Kia ), with just over XXXX miles. I made the agreed on monthly payments of {$350.00} per month for the entire lease period, never late with payments. Now Kia Motors is saying i owe them {$400.00} as a " turn in '' fee and the XXXX cent is for over mileage. The " turn in '' fee is because i did not lease another vehicle or purchase a new vehicle. When i leased the vehicle back in XXXX, i knew nothing about a " turn in '' fee. I spoke to a representative at Kia today name XXXX at around XXXX XXXX  who informed me that the " turn in '' fee and excess mileage cost of XXXX cent could not be waived under any circumstance. At the time that i turned in the vehicle i had just gotten out of the hospital with a XXXX XXXX, and i am still ill and unable to work, this can be documented. I do not wish my credit rating to be negatively affected by this mark, particularly since i have such a good record of making on time payments for the vehicle. I think it is a ripoff for Kia or any dealer to charge the consumer for returning a leased car, simply because the consumer does not choose to lease again or to buy a new vehicle from them, and particularly during this Covid-19 crisis. I am a senior citizen.
Product: Credit reporting or other personal consumer reports

I respectfully urge you to investigate these unauthorized inquiries and furnish documentation regarding their source. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that may suggest my authorization for these actions.

Since these unrecognized inquiries could harm my credit score and overall financial standing, I kindly request that you resolve this matter swiftly. Your prompt attention to this issue is sincerely appreciated. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit card or prepaid card

We purchased an XXXX laptop on XXXX using our Chase Bank XXXX XXXX on XX/XX/XXXX It felt a bit flimsy with a plastic chassis underneath, but worked quite well UNTIL just before XXXX XXXX. She turned it on one evening to find rows of vertical black lines running down the left side of the screen. Because we were abroad ( XXXX ) without internet at her mom 's house, I was neither able to access my XXXX XXXX account to find out exactly when we had received the computer nor access XXXX 's website to see if we could somehow contact tech support while in XXXX XXXX. I thought we were well within the 1-year warranty period, so I decided to contact XXXX as soon as we got home on XX/XX/XXXX. 

When I checked my XXXX orders I found, sure enough, that I had purchased the laptop in XX/XX/XXXX and it was delivered XX/XX/XXXX. Just my luck, only 20 days out of warranty, I hoped XXXX would be customer-friendly and stand behind their product even though I was unable to contact them within the warranty period due to extenuating circumstances. 

I called XXXX first thing Monday morning ( XX/XX/XXXX ) and pleaded for compassion from the customer service rep ( XXXX ). He sounded somewhat sympathetic, telling me that he asked his supervisor for an exception to policy which was denied. He told me that I would have to pay {$220.00} to have the cheap screen of a {$350.00} computer repaired, a screen that had failed well within the warranty period. I told him " thanks, but no thanks '' and that XXXX had lost a customer, a customer that could have been a lifetime XXXX user had they treated me with compassion and professionalism, standing behind their faulty product because it would have been the right thing to do. 

I filed a claim with Chase XXXX 's extended warranty program : CARD BENEFIT SERVICES XXXX. XXXX XXXX, XXXX, TN XXXX XXXX on XX/XX/XXXX, but it was originally denied. After threatening to contact Chase ( which I did - they referred me back to Card Benefit Services ) and file complaints with you and others, they finally agreed to pay the claim on XX/XX/XXXX in the amount of {$180.00}, but I had to call within 48 hours to arrange payment ( I have their approval letter and a recording of the phone conversation ). They were unable to refund the amount to my debit card due to internal errors, so they said they would send a check for {$180.00} within 10 days. 

When the check did not arrive in the allotted time, I sent them emails on XX/XX/XXXX and XX/XX/XXXX, asking them to pay the claim as they had promised to do or I would file the complaints. It is nearly 2 months after the claim was approved and I have not received the check and they have ignored my emails. The claim status is noted as " Paid '' on their website where I filed the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Violation of the FCRA and is in violation of requisite XXXX Compliant reporting standard.
Product: Credit reporting or other personal consumer reports

The following account is reporting on my credit report. And, the information that is being reported is inaccurate. As you know this is not possible and this is a violation of my rights. Because of this account/information needs to be removed from my credit report immediately due to you not properly validating the information in which a company has passed to you.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. I respectfully request that THESE ACCOUNTS TO BE DELETED, Identity theft made pursuant to the above named Title and Section below. The information listed below, which appears on my credit report, does not relate any transaction ( s ) or accounts that I have made or opened. I am not liable for the debt with It is the result of identity theft. I do not have a contract with these company 's and they did not provide me with the original contract as requested. This FTC report has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. Correction to my credit reportThis CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.
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 XXXX XXXX XXXX XXXX ( XXXX ). 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 ( XXXX ) and regulations XXXX These actions have caused significant inconvenience and financial loss and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am not liable for this debt with XXXX XXXX XXXX XXXX i do not have a contract with them they did not provide me with the original contract as requested i never had account with them i send certified letters to XXXX XXXX  and transunion no respone i ask them to verify this account rule 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 with my written instructions i dont have account with XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX - Account Number:XXXX Please investigate and delete it from my credit report. 

XXXX - Account Number:XXXX Please investigate the history reported on this account It is inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA XXXX. XXXX. Take care of this immediately XXXX XXXX - Account NumberXXXX My parent has the same name as me. 
Account XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

Starting in XX/XX/XXXX I was charged for a credit card I never had a series of charges at the same time and same location, I believe Bank of America ( BOA ) suggested these purchases were made in Texas ( I live in MA ). I called them and told them that I never had this card and that I didn't make the purchases. They agreed it was fraud and said they would 'take care of it '. Every month from XX/XX/XXXX to XX/XX/XXXX I have gotten a bill, every month I call them and they assure me that they know it's fraud, and in XX/XX/XXXX, they sent the bill to a collection agency, harming my credit. I have received letters from BOA saying that the balance is cleared with the original balance but an incorrect number indicating account #.
Product: Vehicle loan or lease

Hello, Ive contacted carmax on XX/XX/XXXX. I told them my information was compromised and it wasn't me that obtained the vehicle. ive been a victim of identity fraud in the past and I've had my drivers license number changed due to the situation I've had a police report made and I sent in all the necessary documents to the creditor, the creditor still didn't remove from my credit report. the address that's attached to that loan is not even on my credit report. So I'm frustrated and confused because I care too much about my credit and my financial responsibility. Its also pass the statue of limitations its been on my credit since XX/XX/XXXX.
Product: Student loan

I originally had a student loan which has been sold several times since I consolidated in XXXX. XXXX XXXX sold my loan to Navient. I have automatic withdrawal of my student loans and have never been late or missed a payment. I was checking on my account which I took out with graduated payments expecting it to be paid off in XXXX. To my surprise my pay off date is now XXXX, another 5 year of payments to my loan which were not authorized. My interest rates remained the same but how did they add 5 years to my loan without my knowledge??? Then my son who also attended XXXX XXXX university for his XXXX degree and took out a consolidation loan for 10 years, noticed his payments were less and found the same issue. He was extended to 20 years without his knowledge or consent. He was annoyed and paid off his student loan within a couple of months not wanting 10 more years of interest at over 7 %. My interest rate is acceptable, but how do they get away with adding 5 years of interest without consent. I had trouble keeping track of the loans. I have another for my daughter which went to XXXX which will be paid off soon. I am XXXX years old, 5 years longer is outrageous!! No response to emails requesting how this happened. Can not tell from current documents when change occurred.
Product: Credit card or prepaid card

I applied for a Discover Credit Card on XX/XX/2020. I had received two invitations from Discover within the past 30 days before I applied for the card, both invitations stating : 0 % Intro APR on Purchases and Balance Transfers for 14 months After your Into APR ends your standard variable purchase APR applies, currently 15.99 % -18.99 %. 

I checked my credit scores with XXXX XXXX on XX/XX/2020 and they were above 700. 

since they were above 700, I decided to apply for the card. 

I get the card, it comes with the 0 % Intro APR on Purchases and Balance Transfers for 14 months but it comes with an interest rate of 20.99 % Also, the card comes with a page stating my credit score is XXXX. 

I call Discover card on XX/XX/XXXX. I explain the problem and they tell me that the invitation interest rate is not set in stone and the interest rate is based on my credit score.
Product: Debt collection

I have an acct with you that was from identity theft and is fraudulent that i have not opened or opened any associated account i have filed a police report regarding this issue of the acct being opened fraudulently and have a notarized identity theft affidavit and it has yet to be removed or collection closed
Product: Credit card or prepaid card

on XX/XX/XXXX at XXXX XXXX, I went to a check cashing place to cash my paycheck and added {$500.00} from a {$600.00} paycheck to my pre- paid NetSpend Card. I used the card to purchase a one nights stay at a local hotel. The same night, I tried to use my card again at a local drug store ( XXXX XXXX XXXX but it was blocked. When I reached out to the company today XX/XX/XXXX at XXXX XXXX, they said my card was being restricted ( without any reason why ) and stated that I needed to provide a receipt from the check cashing place as well as my ID and Social Security Card. I told them that I had two of the three items they requested ( the receipt and drivers licences ), but I would have to apply for a social security card so that I could get my card re-activated and would not have any access to my money until then. Furthermore, my card being blocked in this way was a huge inconvenience as I would be without funds that I needed. I had at least {$410.00} on my card and I need it back. I do not want to use this pre-paid card service ever again if it is intended to cause these issues and inconveniences.