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

On XX/XX/2020, Portfolio Recovery Associates, LLC add a derogatory mark on my credit report XXXX, XXXX, and XXXX, Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Portfolio Recovery Associates, LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Bank account or service

i deposited a check for XXXX dollars on monday at XXXX XXXX .. the teller said that XXXX was available immediately and the rest a day or two.,, wells fargo put an 8 day hold on the check because i had late fees and they wanted to hold it .. i am XXXX and unemployed thats money i need to live
Product: Checking or savings account

A while back I did a complaint with online service for 7 payments because they only settle fir 5 of them they took back money that I paid to this company but because Chase didn't get it all they took back 2 of my 7 refunds and put my account in over drafts making me pay this money again talking about they sent me a letter I never got it they send me email for everything else that's how I knew I was overdrawn they do this all the time so we could be in overdrawn status so we can pay them extra fees for overdraft they know we don't want to do that so we pay it I got rob by the online company and Chase I paid twice!
Product: Credit reporting or other personal consumer reports

Inquiry has been reporting since XX/XX/2024. Please delete. Did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to Equifax to remove credit inquiries on my report that do n't belong to me. I 've called in reference to this ; they say they 've investigated but wo n't provide any proof to their findings. I submitted a dispute online and got the same thing. These inquiries do n't belong to me, they wo n't remove them, and they wo n't send proof that I approved the inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all XXXX credit bureaus. XXXX, Transunion, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1300.00} sc golf Date Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX XXXXXXXX Balance {$100.00} date Opened XX/XX/XXXXXXXX XXXX XXXX date opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$240.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$370.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$660.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2400.00} **Inquiries** XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have had this card for years and it has been set to autopay the minimum balance. I recently paid the card off and then when I started using it again it reactivated auto pay, but for the full statement balance of {$530.00} instead of {$25.00}. I called on the 22nd when I noticed the error but the payment had already started processing and they couldnt cancel it. When it went through on the 23rd I called again to be told that there would be an investigation but I would not get my money back for at least 7 days if at all. 

I would never autopay the full balance as I dont always know what it is because I use the card frequently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard credit pulls on my experian credit report. 
XXXX XX/XX/XXXXInquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX I did not authorize not one of these inquiries
Product: Credit card or prepaid card

I realized sometime in XXXX that my name had been used to open 2 different credit cards. There was one card at BARCLAYS BANK DELAWARE that had opened in my name on XX/XX/XXXX in XXXX, DE. 
The second credit card in my name was opened at XXXX XXXX XXXX on XX/XX/XXXX in XXXX XXXX, XXXX. I was able to speak to the representatives at XXXX XXXX and get it sorted out to where they were able to close the account once they discovered through an investigation that it had in fact been fraudulent. The XXXX XXXX account had been updated and closed on XX/XX/XXXX. I have never been to either states in my life. When I spoke to the representatives at Barclays Bank Delaware they informed me that there had not been any fraud committed. I inquired originally on XX/XX/XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a recent data breach. As a result, I am requesting the immediate blocking and deletion of the following accounts from my credit report, as outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We received XXXX insurance settlement checks in XXXX this year for a claim from storm damage. XXXX check issued for {$10000.00} to XXXX XXXX and Bank of America as payment towards the estimated loss of {$24000.00} for water damage to our basement. A XXXX check was jointly issued to XXXX XXXX and Bank of America for XXXX for the storm roof damage. After several attempts to work with the bank, they are refusing to release the funds unless we have a general contractor fill out a XXXX and received payment for both checks. Bank of America wants to issue XXXX check to XXXX XXXX and a general contractor for {$18000.00}. 
Since the insurance settlement payment was much less than the total loss, we did most of the contracting ourselves and hired individual contractors to do the work. 
The problem being that no one wants to be on the XXXX check as they will be charged taxes on the entire amount even though they are only completing a small portion of the work. 
At this point we are at an impasse with the bank and now the bank is encouraging us to get a construction loan and to forgo the insurance settlement.
Product: Debt collection

XXXX XXXX has several office visits that are showing that my insurance company has not paid. I have called several times about this and asked that until they get their mess together to stop sending me bills for the incorrect amount. They stated that there was a billing issue with XXXX XXXX XXXX XXXX that would be corrected in XXXX of XXXX. However of the multiple accounts they sent two to collections. The problem is that they billed the visit using my XXXX 's personal NPI number and it is coming up as an out of network vistit, however XXXX XXXX XXXX XXXX advised them to bill it again using the practice 's NPI number and it will go through. Instead of billing under XXXX XXXX XXXX, they will need to bill under XXXX XXXX XXXX. I also brought up the fact that they had the responsibility to bill me correctly or forfeit any money due. I didn't want it to be an issue where they sent this information in too late and it was out of guidelines. They need to correct this and send me a bill for the correct amount which should be a copay of {$25.00} for each visit and not {$1600.00} in billing errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

PARTNERS FINANCIAL/XXXX {$8200.00} There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting or other personal consumer reports

Report Number : XXXX Date Ready : XX/XX/XXXX Source : XXXX XXXX ACCOUNT # XXXX DISCOVER BANK ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX These accounts are Chargeoffs, they have no scheduled due dates. Why are they being reported late every month? I demand that these accounts be deleted from my account Also These Organizations have CHARGED OFF these accounts. 
WHERE ARE MY 1099s RELATED TO THESE CHARGE OFFS?
Product: Credit card

Obviously the company had not read in full my prior correspondence regarding Citi XXXX XXXX XXXX # XX/XX/XXXX( & others? ), and any further correspondence regarding this account can be sent to the Attorney General, the detectives, the XXXX. XXXX Inspection service, and my Lawyer. I also request the case be given to the highest authority in your company. The is not an ordinary case of fraud. This case involves over 14 cards and up to {$130000.00} in card transactions. 
I am requesting video or photos of me using this card. You stating my phone was used to open the account is not sufficient, as these two suspects were at my house for 15-17 hours a day for 5 months and used my phone while I slept and also while I was awake. Stating I received correspondence from you at my house is also not sufficient. These two retrieved the mail from my mailbox everyday as XXXX and XX/XX/XXXX are XXXX. The suspect had made a XXXX account where I received an email everyday showing each piece of mail to be delivered the following day. ( Yes she had access to my email account. As I have stated 20 xs, they had access to everything ). She did THAT with my phone as well HELLO. Stating I did not call you when we found out about this fraud is incorrect. Please check your records. I called you and 13 other companies several times in the middle of XXXX. If payments were made to the account, they were made by these two and a card or account fraudulently opened in our names was used for payment. 
Your denial of this fraud claim is extremely disturbing, especially given the fact it was done to XXXX XXXX people, XXXX XXXX XXXX XXXX, the other XXXX. Both who had excellent credit ratings prior to this traumatic takeover. This case will be televised and your company not participating in the investigation will definitely be a part of what was the most traumatizing part of it all.
Product: Bank account or service

Regarding the Rush Card. I 've called several of the customer service and corporate numbers since Tuesday. I 've been told several different stories. I 'm a single mom and my only source of income is deposited on this rush card. I lost my card back on XXXX XXXX. I called and reported it had been used. I made a dispute that same day and I have heard nothing of that dispute. I received a new card in XXXX XXXX and tried to activate it and that 's when my problems began. I received several texts about my balance. It went up and down. Now it 's at XXXX and my new card is being declined and not recognized in your system. I 'm very frustrated as I could possibly be facing eviction as I told my rental office I would pay my rent when I got my new card since I 'm not able to go into the bank to withdraw the funds. This is very frustrating as I 'm not dealing with a private landlord who may understand. I 'm dealing with a business just like yours who does n't want any excuses and just wants there money. I 've borrowed all that I can afford to pay back. Please help me resolve my card issues so that I can get my life back on track. Any assistance you can provide is greatly appreciated. Thanks.
Product: Debt collection

I have never received a letter or been called about this debt. I did not know it existed until I applied for an apartment and they brought it to my attention. When I called National Credit Services to explain I have never in six years been made aware of this debt I was told by a XXXX XXXX that my only option was to pay. I fully dispute this debt, as it was for an early termination fee that I was made to understand would be collected from my initial deposit on the apartment that sent this debt to collection. Because it has been six years, I no longer have paperwork regarding that apartment and the apartment no longer exists, as it was bought out by new management years ago. So I am not able to see if the apartment still has records on file. XXXX XXXX also told me I can not dispute the debt and when I asked for written verification of the debt, he said it would take three weeks to send it out to me. Under law, I believe they have five days to do so. I would like to dispute this debt, but the rep from National Credit Systems in XXXX GA refused to give me information besides repeating the amount and name of the apartment. I am also unsure if this debt can legally be collected because of how old it is. When I asked him if it had reached the statute of limitations time limit, he said he did n't know what that was. He puts me on hold for XXXX min in order to avoid my call and I have still never received a letter or call from them.
Product: Debt collection

On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

XXXX XXXX XXXX, in the amount of {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to me being a victim of identity theft I spoke with XXXX at XXXX  on XX/XX/XXXX, and XXXX at Transunion on XX/XX/XXXX about the unauthorized account that appears on my credit report I request the following account to be delete and removed off my XXXX  credit report and Transunion Credit report : " XXXX XXXX XXXX '' Open Date XX/XX/XXXX Amount {$300.00} Account XXXX .Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my XXXX credit report, and my Transunion credit report due to my identity been stolen.
Product: Debt collection

I was a minor when my folks had this account. I should be held liable I told them that. Then when I tried disputing it when I got older. The company went out of business and got merged so I thought I was ok. Then three- six months ago the company comes with emails and texts saying I owe them this huge amount. And if I dont settle or pay in lump sum then they will report to my credit bureau and damage my credit and they did. When I explained it dont make sense. Threats of I must not have money and I cant afford it can. Im sending in last known amount from when I was a minor and the dispute letter from back then saying they would close the account
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated XXXX XXXX, Account # XXXX was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX XXXX have all been intentionally collecting and giving out my private information of my private consumer credit without my consent which violates the California Consumer Privacy Act ( CCPA ). Much of this information has been negative and reported falsely, all of which is intentional. I have sent communication to XXXX, Equifax, and XXXX XXXX in the past with no success as they did not remove the negative information which in turn restricted me from accessing my own consumer credit. These numerous reports have negatively affected my credit scores which inhibited/restricted me from moving freely and accessing my consumer credit. This describes adverse actions committed against me which also violates the Truth in Lending Act ( TILA ).
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Date : XX/XX/year> To Credit bureaus Re : Dispute of Collections Account # [ XXXX ]. 
Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above ( ( Diversified Adjustment, date opened : XX/XX/year> {$1400.00} ). Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. 
I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. I expect this matter to be resolved within XXXX XXXX as required by law, and I look forward to your timely response. Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3200.00}