23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2021 on this date company opened a collection Account number XXXX {$24000.00} that I owe I have never signed any document saying that I owe this debt to the collector They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end Also, they have not verified that I owe this debt to this alleged company Please have this removed from all three credit bureaus. 

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

Stop bothering me with this XXXX I dont even know what its about only what Ive read take me off you calling list I will call the XXXX XXXX XXXX  stop with the harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have included a letter to each of the 3 major bureaus involved in this complaint. They have all been complicit with the companies reporting in my credit files in violating law by not providing me with verified PROOF of the accounts validity. I have been monitoring my credit for months now and Equifax, XXXX, and XXXX have simply taken companies words that the accounts are supposedly mine, verified, and valid instead of providing signed proof that they are. This opens the floodgates to false accounts just sitting on peoples credit reports! Reps from these bureaus will even tell you that they arent required to give proof, as if that makes sense. Seriously? That is completely absurd. Essentially, Equifax, XXXX, and XXXX   are all claiming that truly unverified, invalidated accounts are " valid '', " reporting correctly '', " mine '', and " verified ''. Under the FCRA, they are supposed to validate these accounts with original consumer contracts bearing my actual signature. They have not done that -- and remember, it has been MONTHS of them refusing to do their due diligence. By the way, there is an account that I have made note of in the attached letters that is reporting twice under two different namesXXXX XXXX ( who illegally put a false judgment on my public record ) and XXXX XXXX XXXX. Complaints will also be filed against these two as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my Equifax credit report are fraudulent and not my accounts : XXXX XXXX XXXX and XXXX XXXX, {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

.I have contacted Equifax multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need them removed asap. The accounts are listed here below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS VIOLATING MY FEDERALLY PROTECTED RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. I SENT TRANSUNION A HANDWRITTEN LETTER ASKING FOR THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCUACY AND COMPLETNESS OF THE INFORMATION, WHICH IS MY RIGHT TO RECIEVE UNDER THE FCRA 15 USC 1681-i ( b ) ( 6 ) ( b ) ( iii ) AND ASKED IF THEY COULDNT PROVIDE IT BY THE END OF THE 30 DAY PERIOD DELETE THE ITEM FROM MY FILE BEFORE THE END OF THE 30 DAY PERIOD PER 15 USC 1681-i ( a ) ( 1 ) ( a ), YOU GUYS HAVE FAILED TO DO BOTH AND NOW ASSUME WILLFULLY AND NEGLIGENT NONCOMPLIANCE WITH FEDERAL LAW, AS I WAS EXPLICTLY CLEAR WITH MY REQUEST. ( HAND WRITTEN LETTER AND IDENTIFICATION ATTACHED ) TODAY ( XXXX ) I SPOKE WITH XXXX WHO SAID THEY CANT PROVIDE ME WITH THE DECRIPTION OF THE THE PROCEDURE USED TO DETERMINE THE ACCUACY BECAUSE ITS SYSTEMATIC.TRANSUNION HAS FAILED TO LET ME EXERCISE MY FEDERALLY PROTECTED RIGHTS. 
I AM NOT A 3RD PARTY AGENCY MY HANDWRITTEN LETTERS AND ID ARE ATTACHED.
Product: Credit reporting

I have XXXX inquiries on my Equifax report XXXX XXXX and Online credit reporting, I did not authorized.
Product: Credit card or prepaid card

On XXXX XXXX, I purchased kitchen cabinets and counter top from IKEA XXXX, using the IKEA Projekt credit card. This card is financed and handled by Comenity Bank. 
The total purchases were {$690000.00}. and charged to my card. Unfortunately, as IKEA was unable to assist in getting their affiliate to facilitate with permits for our condo, the project had to be canceled and items were promptly returned to IKEA and the refund process initiated. 
On XXXX XXXX, much to my dismay, only a partial refund was made for the cabinets in the amount of {$4900.00}. 
However, IKEA neglected to refund the counter top, which was included in the grand total. Upon realizing this error on their part, I had to be badgering IKEA XXXX to expedite the rest of the refund. After the constant back and forth they finally processed the residual refund on XXXX XXXX for {$2000.00}. 
I was in constant contact with Comenity dispute center to acknowledge and process the residual refund but they refused and is now sending me to collections. 
Please, could you help me as they are mindlessly ignoring me and wont address issues. 
Thanks XXXX XXXX
Product: Prepaid card

I reported these several purchases and withdrawls to Money Network on XX/XX/year> XX/XX/year>XXXX XXXX/bill purchase {$9.00} XX/XX/year> XXXX  purchase {$100.00} XX/XX/year> XXXX purchase {$100.00} XX/XX/year> XXXX  purchase {$63.00} XX/XX/year> XXXX  purchase {$63.00} XX/XX/year> XXXX  purchase {$63.00} XX/XX/year> ATM Balance fee {$3.00} XX/XX/year> XXXX XXXX {$20.00} XX/XX/year> XXXX withdrawl {$40.00} XX/XX/year> XXXX withdrawl {$100.00} XX/XX/year> XXXX withdrawl {$40.00} Money Network recieved a dispute on XX/XX/year> wich they denied on that same day and said that it was denied because my PIN was used for this, i have the card in my posession and i did not use it for those trasactions.
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 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: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXXXXXX XXXX XXXXXXXX. Account # : XXXX. Delete XXXX FOR REPORTING INACCURACIES. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. transunion and XXXX did not and are in current willful violation of my rights! Transunion and XXXX, did not complete the investigation in the allotted time of 30 days. I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 36 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Product: Credit card or prepaid card

A hard inquiry was submitted as a result of a credit application using my personal data. One XX/XX/2021, someone went online to try and secure a Kohl 's Department Store credit card in my name. 
I have confirmed with the merchant that the perp had the following correct information of mine : -Date of birth -Social Security # -Mailing address
Product: Credit reporting or other personal consumer reports

FOR ALL CLIENTS!

1st box : I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

On XX/XX/20 I deposited {$1500.00} in my Bank of America checking account. The same day I noticed a withdrawal for {$15000.00} account and I called the claims department from Bank of America. They responded closing all my accounts. Checking account, savings account with {$10000.00} and business account with {$2000.00}. As today, I just received a check {$2000.00} from my business account. I called multiple times and nobody has a response to me. I was really affected because during this month I was unable to pay all my monthly expenses. I need to receive my money back and nobody explained to me what happened.
Product: Credit reporting or other personal consumer reports

I have a few inquiries that i did not authorize. The only inquiries that should be on there are from my open trade lines. XXXX ( Bank ), XXXX ( Bank ), NAVY FCU ( Finance ) ( XXXX ) of those, XXXX ( Bank ). XXXX of these accounts i have applied for. I filed bankruptcy and i have been very careful on applying for anything.
Product: Debt collection

ALLY FINANCIAL has an account reporting to my consumer report inaccurately. Ive reached out multiple times to fix this issue and get nothing but violations of my rights. This debt isn't mine. I want this account REMOVED from my consumer report.
Product: Debt collection

XXXX XXXX / XXXX / {$1700.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Money transfer, virtual currency, or money service

Solo funds failed to disclose how their credit system works. I approved a loan ( {$190.00} ) on XX/XX/year>. I purchased lender protection which GUARANTEED 90 % of my money back if the loan was not repaid in due time. They credited {$170.00} and when I inquired about where this was stated, clearly informing lenders that they will essentially keep your money and you have to use credits to fund other loans for a return. Ive reached out to solofunds on multiple occasions trying to get the clarification or get this sorted out and they promptly disabled my account to prevent me from lending said credits as well as block or ignore my emails. Theyve also gone to the extent to remove my review highlighting their revoked XXXX  accreditation and previous CFPB lawsuit against Solofunds in regards to deceptive and unethical business practices and illegally obtaining fees from the consumer. Clearly they are still being deceptive and stealing from the consumers. They have knowingly and intentionally defrauded me as well as others to steal millions. THEY NEED TO BE HELD LIABLE FOR THIS!
Product: Credit reporting or other personal consumer reports

I would like to draw your attention to the fact that I have doubts about the correctness of the information that is affecting my consumer rights and appears on my credit record. I feel that I am entitled to be handled fairly by the people in charge of this data. Please provide me all of the information that is available on how the errors happened and how you plan to fix them to guarantee adherence to the Fair Section 611 of the Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681I ) and XXXX XXXX compliance requirements. 

XXXX XXXX XXXX XXXXXXXX {$880.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$880.00} XXXX XXXX CO XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX  - XXXX {$210.00} XXXX  - XXXX {$570.00} XXXX XXXX - XXXX {$3400.00} XXXX XXXX - XXXX {$700.00} XXXX XXXX XXXX - XXXX {$700.00} XXXX XXXX XXXX - XXXX {$3300.00} XXXX XXXX XXXX - XXXX {$3400.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX LOAN IN XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has denied my access to my credit report. I have tried multiple times to access it on Transunion 's website and in writing. I believe this is due to retaliation when I reported multiple instances of inaccurate information and violations of the FCRA to CFPB and the FTC for obvious violations of inaccurate reporting and negligent consumer reporting that violates the FCRA.
Product: Checking or savings account

I opened an account but at the time of depositing some checks with the application they were not accepted and they closed my account still with money inside, due to an alleged fraud, I have gone several times personally to the bank and also called online but they do not solve anything, my money is lost, Ive been trying to call for weeks
Product: Credit reporting or other personal consumer reports

I am filing this formal dispute due to an unverified negative entry on my record with Early Warning Services ( EWS ) associated with XXXX XXXX. Upon contacting XXXX XXXX, I was informed that they no longer have any records of this issue as it exceeds their document retention period. 
Despite presenting this information to Early Warning Services, they continue to report this unverified entry, which violates the Fair Credit Reporting Act ( FCRA ) requirement for accurate and verifiable reporting. Attached is the letter from XXXX XXXX  confirming they have no record of the issue. 
I request that you investigate Early Warning Services for non-compliance with FCRA standards and take appropriate action to enforce their responsibility to ensure that all consumer information is accurate and verifiable. 
Thank you for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 Any other adverse item 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 repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX for validation of the debt without response, I disputed the account with Experian. Experian supposedly investigated it and came back and said that proper validation was provided to them. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I was provided a XXXX page accounting with the name " XXXX XXXX '' and the address of the apartment complex on it. I again asked for proof this was my account because I did not enter into any lease agreement with that apartment complex. XXXX will not provide it to me and Experian will not say anything other than the account was properly validated. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? Experian will not remove this account even though it has not been able to properly validate it as being my debt. I have repeatedly asked to see the documentation proving it is my debt. Neither Experian nor XXXX has been able to provide any such document. THIS NEEDS TO BE REMOVED FROM MY CREDIT IMMEDIATELY!! Thank you.
Product: Credit card

We have credit monitoring through XXXX. 

Checking on an alert we found a fraudulent account opened with XXXX XXXX XXXX  XXXX  XXXX  for XXXX XXXX in Texas. 

We did NOT open this card. 

Note the card number is from the XXXX fraud report, its not complete, but since I did not open this, I do not have it. 

When we called we largely got a brush off, no confirmation, or case number, Please assist!
Product: Checking or savings account

I migrated from Peoples United to M & T bank as part of their take over on XX/XX/2022. On date after transition on XX/XX/XXXX, as instructed by M & T, I checked my new M & T account to see if my scheduled bill payments had transitioned. There were three scheduled payments for XX/XX/XXXX to three different credit cared accounts., and all appeared to transition successfully. On XX/XX/XXXX, I learned that only one of three payments were made as scheduled on XX/XX/XXXX, resulting in over {$250.00} in finance and late fees, and unknown damage to my credit score.. I immediately called M & T to see how they were going to rectify my situation. I was on hold for close to 3 hours. Finally, the individual who answered researched my issues. She told me that " on her side '', they only saw the payment that was made and not the others that were scheduled. It really made no difference to her that " my side '' told me all of the scheduled payments had transitioned. She advised me that it was my responsibility to reschedule any payments that were missing. I repeated that they were not missing when I reviewed my account on XX/XX/XXXX. How was I to know that M & T would " loose '' my scheduled payments between XX/XX/XXXX and XX/XX/XXXXXXXX? In sort, after 30 minutes of back and fourth on the same subject -- " her side '' wins and I am out {$250.00}. I have been through at least XXXX bank transitions after take-overs and have never experienced anything like this. Every transition I have been through, while unpleasant due to manual labor involved, was error free. How does a bank drop the ball like this for so many former Peoples customers and get away with it?
Product: Debt collection

I was sued by Slovin and Associates for an old auto loan debt. After a year in court, they won a summary judgement against me in the amount of XXXX and agreed in writing to a payment schedule of XXXX per month until the debt was paid off. I made my first payment before the due date and received a letter threatening to proceed with a wage garnishment.
Product: Debt collection

Ditech is trying to collect on a debt that is over 13 years old. I have no idea what company this was with previously or what it is. AND its over 13 years old which means it should be erased by now. It is my understanding that debt over 10 years is generally discharged. Please correct me if Im wrong
Product: Debt collection

It's currently XX/XX/2023 and I received my first bill from the XXXX XXXX XXXX XXXX center last week for a visit back in XXXX of 2023. I call the number to pay the XXXX charge and the operator tells me that it's been sent to collections. With this being the first bill I had received in the mail and it already being sent to collections was ridiculous. I received the collections phone number, XXXX ( XXXX ) XXXX, and proceeded to call them numerous times and every time it would send me to their voicemail and I would leave one, with of course no reply. After multiple failed attempts, I finally was answered by the operator today who was extremely unprofessional and rude with her language and responses to me. She asked what bill I wanted to pay and I said it was a bill from XXXXXXXX XXXX XXXX XXXX. She said " Oh you're gon na have to call back in a month we don't have none of that in our system yet '', and I said " Are you serious? My credit score has dropped XXXX points and I've been calling trying to pay this and you're telling me I can't pay it? ", she responded " Excuse me??? Call back in a month '' and proceeded to hang up on me. I'm not sure what to do but this is beyond ridiculous, like for one it was sent there with only one bill being sent 8 whole months later and two I can't even pay it because this collections agency is extremely unprofessional at the very least. Is this legal?