23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXXXXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Balance : {$320.00} ; XXXX XXXX XXXX : {$510.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX
Product: Debt collection

Sent verification of debt letter, within 30 days of receipt of original letters from Midland ( Credit ) Management ( ADBA Midland Funding ). Did not receive any type of verification or validation of the debt. In addition, after sending the request for verification and cease and desist, I have again been contacted via mail and by phone. 
I am requesting that all accounts with Midland Credit be removed from all three major credit bureaus account due to noncompliance of the Section 809 of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts from XXXX XXXX XXXX on my report that I had no knowledge or consent I would like them to be removed from my report because they are not mines. 1 account was opened XXXX XXXX the other 2 was opened on XX/XX/XXXX XXXX
Product: Checking or savings account

XX/XX/ - Initiated transfer from Capital One to XXXX XXXX account using XXXX XXXX XXXX This is a normal transaction I do every XXXX weeks ), {$600.00} withdrawn from Capital One. 
XX/XX/ - Money has yet to hit my XXXX XXXX account, called Capital One and they said the transfer had failed and had not credited my {$600.00} back. Submitted complaint and was informed that a credit would be applied next business day. 
XXXX  - Followed up in regards to credit to my account, they informed me it would take 10 business days despite being told to call next business day on the XXXX.
Product: Money transfer, virtual currency, or money service

I am XXXX a complaint against Cash App ( 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 XXXX was unfair and deceptive, as they did not comply with error resolution requirements " '' under the Electronic Fund Transfer Act XXXX ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently pulled my credit report and noticed that you are still reporting this debt on my credit report. I have disputed this debt with the credit bureaus, and all three have verified that this is a good debt. 

I recently sent you ( XXXX ) A Notice of Direct Dispute, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. 
You failed to address the inaccuracies and Instead I was sent another collection notice from EOS CCA on your behalf asking for monies. 
I Validation/ correction request was Sent via XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Ive requested validation for this account before, and have never received it. To remind you, validation consists of : Complete payment history, the requirement of which has been established via XXXX vs. XXXX Itemized account of the debt, as established by XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XX/XX/XXXX ) Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Intimate knowledge of the creation of the debt by you, the collection agency Your company has violated the following laws : 1. FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 
2. FCRA 15 U.S.C. 1681b you did not have a permissible purpose for pulling my credit report. Under this section, you need to have a legitimate business need which is defined as the extension of credit, employment or insurance purposes. I also did not authorize pulling of my credit report. 
3. 15 U.S.C. 1681s-2 falsely reporting information to the credit bureaus. 


The listed items are entirely inaccurate and incomplete, and represent a very serious error in your reporting. I am maintaining a careful record of my communications with you and the credit bureaus for the purpose of filing a complaint with the FTC, the state attorney generals office, the Better Business Bureau, and of course ammunition in my upcoming lawsuit against you. 
This is the final request for debt validation before I file a lawsuit against your company under the provisions of the Fair Debt Collection Practices Act. You may wish to consult with a competent legal advisor before your next communication with me. Your failure to satisfy this request in accordance with the legal principals of estoppel will be constructed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 


Best Regards, XXXX XXXX XXXX
Product: Debt collection

LVNV Funding and Resurgent Capital Services is alleging I owe debt that I do not. The debt has been canceled and reported to the IRS which is now income and income can not be reported to the credit bureaus. LVNV Funding LLC is a servicers do NOT have collection rights. Servicers by definition hold loans! They can not collect or attempt to collect. Furthermore the contract itself is the security that is being used which is why it was sold for profit. This means LVNV Funding, Resurgent Capital Services, and XXXX XXXX XXXX is engage in securities fraud because this transaction was not registered to show the proof of the transfer. 
Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; 2 ) Servicer The term servicer means the person responsible for servicing of a loan ( including the person who makes or holds a loan if such person also services the loan ). The term does not include ( A ) the Federal Deposit Insurance Corporation or the Resolution Trust Corporation, in connection with assets acquired, assigned, sold, or transferred pursuant to section 1823 ( c ) of this title or as receiver or conservator of an insured depository institution ; and ( B ) the Government National Mortgage Association, the Federal National Mortgage Association, the Federal Home Loan Mortgage Corporation, the Resolution Trust Corporation, or the Federal Deposit Insurance Corporation, in any case in which the assignment, sale, or transfer of the servicing of the mortgage loan is preceded by ( i ) termination of the contract for servicing the loan for cause ; ( ii ) commencement of proceedings for bankruptcy of the servicer ; or ( iii ) commencement of proceedings by the Federal Deposit Insurance Corporation or the Resolution Trust Corporation for conservatorship or receivership of the servicer ( or an entity by which the servicer is owned or controlled ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692, EQUIFAX, has violated my rights.

Under the civil liability and the remedy available to me ( Section 616 & 617 ), EQUIFAX, failed to comply with Federal Law and because according to the FCRA consumer law which I should be compensated {$1000.00} per violation in accordance to FCRA as follows : 15U.S.C 1681 section 602 A. States I have the right to privacy which was violated. 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 which was violated. I havent given these accounts written permission to furnish
these accounts on my credit report as well!

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 which was violated.

Additionally, in EQUIFAX initial investigation which I stated to EQUIFAX, they did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, EQUIFAX have failed to provide the method of verification as required under Section 611 ( a ( 7 ), which they were advised that under Section 611 5 ) ( A ) of the FCRA, they are required to promptly DELETE all information which can not be verified, if not, compensation will be {$1000.00} to me per violation in accordance to FCRA as the violations cited previously.

EQUIFAX have violated my rights even more. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. EQUIFAX, stated my account was properly investigated but how is that possible if the date opened, last reported dates, date last active, payment histories, account types, payment status, date of last payment, show inaccurate information from report dated XX/XX/22 and XX/XX/22 and " still '' showing same inaccurate information reported ( see credit report screenshots ). 
This is grounds for REMOVAL!
Product: Credit reporting

Equifax continues to list an account with State of Oregon Child Support in the amount of {$1200.00} on my credit report. That amount has been paid in full and the account stands at XXXX and should be removed.
Product: Credit card

I have XXXX credit card accounts with capital one. Earlier this year my husband and I were really struggling due to lose of income. Along with the stress of low income i had a sister sick with XXXX, a mother suffering with what could posablly be XXXX, and a mother in law who is both physicaly and mentally XXXX who also lived XXXX to XXXX hours away depending on traffic who needs us up there quite often not to mention my husbands an only child. I also work full time in a very demanding job with an equally demanding boss so between my streeful job and personnel life i was finding it difficult to keep up and remember absolutely everything and knowing at the time I was only able to afford to make the minimum payment on both credit card accounts i took the initiative to call capital one and set it up to were they just automatically took out the minimum due out each month on the credit cards until I could afford to do otherwise. A few months later I reseved a letter in the mail from capital one stating that I had not paid on my accounts in months and they were about to close me out. In shock and upset I called capital one only to find out that they had already closed out both of my accounts. I tried to explain to them that I had spoken to XXXX of there represenitives and had my payments set up to be automatically taken out of my bank account each month that there must have been a horable mistake made all I got from them was my accounts have been closed out and that there was Absolutely nothing they or I could do to reopen them and nothing they could do to help me. Devistated and in tears I tried to look online for other capital one departments to call for some help with my situation but no matter what department I tried to call it always just took me back to the original department that I first talk to who refused to help me. At this point in time I have paid XXXX account off in full and current stuck making payments to an account that I ca n't no longer use and my credit score that I have worked so hard to rebuild has been greatly effected all because capital one a company who I have been a loyal customer and until this payment arrangement screw up I have always paid on time to on both credit card accounts since I got them 2 years ago refused to help or even hear me out. I will take fault in the fact that I should have paid better attention to my bank statements and made sure the money was being taken out as arranged but I do n't feel that I deserve to have both of my accounts closed out and my credit that I was working so hard to rebuild ruined over an unfortunate misunderstanding. I was n't even given the chance to plead my case even though it was there company 's screw up and did n't follow threw with our payment arrangement. I would like to have the chance to be heard and have the possibility of having my accounts reopend and to not have all my hard work be for nothing I think that 's the part that bothers me the most. At this point I feel hopeless that I will get any cooperation from capital one and pray that you can help me.
Product: Credit reporting or other personal consumer reports

I have submitted over 10 dispute letters to XXXX transunion and XXXX over the last 2 years and also asked for the creditor to seize all communications with me and the credit agencies according to 15 usc 1692 c and the creditors keep calling me and also reporting inconsistent inaccurate information to XXXX transunion and XXXX.also I've notified the creditors and the XXXX XXXXXXXX and transunion that they are reporting inconsistent incomplete inaccurate information on my credit report.i am attaching a credit report feom today XX/XX/year> from smart credit and highlighted all of the inconsistent information being reported. When ever a credit report is not reporting XXXXpercent accurate information concerning the individual about whom the report relates.these accounts are the result of idenity theft and fraud and i demand to block the following accounts within 4 business days pursuant 15 usc 1681c-2.also the dates of activity opened dates closed dates dispute status are all inconsistent across all 3 credit agencies.i am no longer liable for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am also attaching the ftc report # XXXX and the idenity theft Affidavit as proof that im a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act Section 609 A 1 A, you are required by federal law to verify through physical verification of the original signed contract for any and all accounts you report on credit reports. I demand to see a verified proof for any and all accounts on my credit report. If you fail to validate, remove from my account immediately. 

XXXX XXXX XXXX does not and has not ever belonged to me. It is not mine. I have never been in a contractual agreement with the respective company. 


Sincerely, XXXX XXXX
Product: Debt collection

I am wanting the original contract with my signature from this XXXX XXXX collection agency. I have requested it multiple times and not XXXX documentation from them.
Product: Credit reporting or other personal consumer reports

Back on XX/XX/XXXX, I submitted disputes to the XXXX credit bureaus as there was information on my credit report which I don't believe was accurate. I sent a letter to Trans Union to XXXX XXXX XXXX XXXX, PA XXXX. I sent a letter to XXXX to XXXX XXXX XXXX XXXX, GA XXXX. And I also sent a letter to XXXX at XXXX XXXX XXXX XXXX, TX XXXX. 

Since then, I never received any responses or notices back. Because I never received any responses or notices back after almost 60 days, I sent them another round of disputes on XX/XX/XXXX asking for the same investigations and corrections to my credit report. Once again, I didn't receive any notices or responses. I have active credit monitoring, so I know if they have at least attempted to investigate accounts as I would be notified that accounts were under dispute or that disputes have been resolved. That didn't happen either. 

Here we are in XXXX, and I have yet to receive any letters from anyone, in regard to my disputes. Since I'm tired of waiting, and because I'm not going to send a third round only for the same thing to occur or rather in this case to once again not occur, I decided to let you know so maybe you could help me in obtaining investigation results for my disputes. That's not too much to ask for, is it?
Product: Checking or savings account

Huntington bank is the most negligent, cold, bankers in the country!! 
They have locked my debit card twice in 3 days!! 
And refuse to call me back on this! 
I had to order somthing on line, and it was blocked! 
They did not disclose this to me through a message on my phone at all! 
I had to go out, use gas, buy a pre paid mastercard which has a fee, and they refuse to pay for the fee!! 

I absolutley can not trust them anymore, and will be finding another bank. 
I have been with them for over a year, and now this is happening. I can not ever know when i can use the debit card?????????????? NOT!! 
They can go fly a kite! 
They are actually commiting fraud on my account, and locking all of my money in it!! 
Their executive office had better return calls, and they arent!! And they better pay for all the fees I had to pay to buy a pre-paid mastercard.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are four accounts on my credit report that doesn't belong to me. There is n way for me to verify what those accounts are because there are no account numbers attached to the accounts. Not only that, the accounts are all seven years old. The last activity date on all of the accounts are XX/XX/XXXX. The accounts I am referring to are as follows : State Of Michigan # XXXX Opened XX/XX/XXXX State Of Michigan # XXXX Opened XX/XX/XXXX State Of Michigan # XXXX Opened XX/XX/XXXX State Of Michigan # XXXX Opened XX/XX/XXXX All of these accounts are over 7years old. None of them have a proper account number attached to them in order for them to be verified. I have no idea who these accounts belong to. They are illegally being updated every 2 years in order to remain on the credit report. These accounts need to be properly verified before they are put on my credit report.
Product: Debt collection

I am writing this complaint on this collection that showed up on my credit, because I have disputed this issue with XXXX twice on XXXX XXXX XXXX and on XXXX XXXX XXXX. I believe that is was not investigated properly, because I have no knowledge of this collection. I believe that it is continuing to report on my credit unfairly according to 15 USC 1692 G, and 15 USC 168 ( i ) ( 1 ) ( a ).
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX/XXXX  XXXX Balance Owed : {$130.00}