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

in accordance with the Fair Credit Reporting act The following account XXXX  Account # XXXX, has violated my rights : 1. XXXX XXXX, balance of {$510.00}, date opened XX/XX/XXXX ( would correspond ) 2. XXXX XXXX, balance of {$0.00}, charged off, date opened XX/XX/XXXX ( would correspond ) 3. XXXX XXXX, Balance of {$3100.00} date opened XX/XX/XXXX ( Wouldn't correspond ) 4. XXXX XXXX, Balance of {$550.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 5. XXXX XXXXXXXX Balance of {$300.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 6. XXXX XXXX, Balance of {$4200.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 7. XXXX XXXX, Balance of {$4300.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 8. XXXX XXXX XXXX XXXX Balance of {$1100.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 9. XXXX XXXX XXXX XXXX Balance of {$860.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 10. XXXXXXXX XXXX Balance of {$3300.00} date opened XX/XX/XXXX ( Wouldn't correspond ) 11. XXXX, Balance of {$280.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 12. XXXX XXXX XXXX Balance of {$2700.00} date opened XX/XX/XXXX ( Wouldn't correspond ) 13. XXXX XXXX, Balance of {$2200.00}, date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX ), Balance of {$630.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 15. XXXX XXXX XXXX XXXX XXXX ) for ( XXXX XXXX ), Balance of {$520.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 16. XXXX XXXX XXXXXXXX XXXX  ( XXXX ), Balance of {$240.00} date opened XX/XX/XXXX ( Wouldn't correspond ) 17. XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ), Balance of {$920.00} date opened XX/XX/XXXX ( Wouldn't Correspond ). 
18. XXXX XXXX, XXXX of {$1000.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 19. XXXX XXXX, Balance of {$7500.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ). 
20. XXXX XXXX XXXX, Balance of {$1400.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

To Whom It May Concern, I am writing to request the method of validation documentation for a debt you verified in XX/XX/2024. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ), I have the right to request and receive a description of the procedure used to determine the accuracy and completeness of the information disputed, including the business name and address of any furnisher of information contacted in connection with such information. 

I am requesting that you provide the documentation and proof of validation for the following account : Account Name : XXXX Credit Account Number : XXXX Please provide a detailed description of the procedure you used to verify the accuracy of this debt, as well as any documentation you have that supports the validity of this debt. 

Failure to provide this information in a timely manner is a violation of the FCRA and will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. I have already disputed both accounts and XXXX XXXX # XXXX was removed and reinserted back on my credit report which is illegal.
Product: Credit reporting or other personal consumer reports

Subject : FTC Report : Dispute of Fraudulent Account Dear CFPB I hope this message finds you well. I am writing to report a fraudulent account that recently appeared on my Experian credit report. The account in question, identified by XXXX  acc # XXXX, purportedly opened in XX/XX/year>. However, I was completely unaware of its existence until it surfaced as delinquent earlier this year. This account appeared unexpectedly and without any prior notice on my credit history. I strongly believe that this account is a result of identity theft, and I am a victim of fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ) Section 609, consumers have the right to dispute inaccurate or fraudulent information on their credit reports. According to FCRA Section 611, upon investigation, if it is determined that information is inaccurate or can not be verified, the credit reporting agency must promptly remove or correct it. 

I have already filed a report with the FTC regarding this matter and have also submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ). Enclosed with this letter are copies of my identification, Social Security card, FTC report, and CFPB complaint for your reference and to assist in the verification process. 

I kindly request your immediate assistance in thoroughly investigating this matter in accordance with FCRA guidelines. Please advise on the necessary steps to promptly remove this fraudulent account from my credit report and prevent any further impact on my credit standing. You can reach me at ph # XXXX or XXXX for any additional information needed
Product: Checking or savings account

I had a company debit my account for a rental after the rental was returned to them for another week even though the rental is back in their possession Ive gotten everything to the bank to show them that I no longer have that vehicle in my possession. They gave me my money back twice and took it 3 times for the same dispute I cant talk to anyone about it just leave messages. And no one calls just sends letters
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there 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: Checking or savings account

On XX/XX/year> the amount of {$5000.00} was withdrew from my account for a service that was never completed. I believe this company willfully intended to drag this out and take advantage of XXXX  with the promise to credit my account back so I would not open claim. Now that I open claim I am told its too late to file.I never received a service from this merchant!
Product: Credit reporting, credit repair services, or other personal consumer reports

My only name should appear as XXXX XXXX XXXX my SS XXXX my DOB is XX/XX/XXXX please remove any variation on my name and SS #. 
This is the 2nd or 3rd time I have file a complaint .I recently started looking over my credit report and I found accounts and addresses that I do not live at on my credit report. I have requested the following companies send me legal documents that verify name address who, what, where, why, when where these accounts opened. I didnt receive any response back. The following account are not mine : XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX****, XXXX XXXX # XXXX****. 
There is a bogus SS number on my Experian report ( XXXX ) XXXX XXXX has These are the unknown addresses on my credit report : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX I was told to file a police report and a FTC report.
Product: Student loan

I got a misunderstanding of my lone, when I was singing up to go school, i think they did n't explain the student lone well. I was unemployed at the time when I first started school. I was paying {$230.00} per month, did n't know that it was XXXX different types of loans I had to pay back, not until I graduate. After I finish school they did n't even get a job as they promises, so I when back to my old job, but I only could pay for a while until this is it, am not making as much money. I thought I was mislead in that lone transaction. Am a XXXX XXXX XXXX man with responsibilities.what good paying job could they get me to pay back the lone, when the course is only for couples of months, there 's so much to learn in automotive industry, am not a well educated. So I could n't get into any step program with any of those top end dealer company. For a person with out any mechanical background it 's hard to learn most things, hands on in XXXX months. Am not in any situation right now to pay back the lone.from i graduate school i do n't do anything auto mechanic work, i do n't remember mostly nothing that I have learned. Am hardly can survive, credit shot, need help.
Product: Debt collection

I have never had account with XXXX or Jefferson. The date opened shows XX/XX/year>. Please provide proof that account was opened with JEFFERSON during this timeframe. This information is inaccurate and is a violation of FCRA. I never received any written communication in reference to this debt or the right to dispute which is also an FCRA violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX need to remove XXXX payments from XXXX account XX/XX/23 XX/XX/23 XX/XX/23 ( XXXX XXXX XXXX ) XXXX showing proof each payments was made on time
Product: Debt collection

Portfolio Recovery Associates LLC representing XXXXXXXX XXXX for XXXX XXXX XXXX last for digit XXXX Account was charged off on XX/XX/2016, due to illness in the family XXXX XXXX XXXX XXXX XXXX, the account holder chose life over debts and became the care giver for the XXXX patient. The account went into default, there were no communication from Portfolio Recovery Associates LLC written or verbal, its been 6 years and they scout my profile in different ways, got my last job and try to garnishee, which was XXXX XXXX XXXX, and during the filing from XXXXXXXX XXXX  to Portfolio Recovery Associates LLC they went through Legal and garnishee my Checking and Savings of what little I have of a total combined of {$400.00}. 

What happen to the statutory law in Hawaii of 6 years. 

Now I'm broke.
Product: Credit reporting or other personal consumer reports

I did not authorize Xactus LLC to run my credit on XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian and XXXX. 

Fail to provide complete Verifiable documentation of accounts reported onto my personal credit files contacted the company 's requesting proof of claim requested removal of unsubstantiated information over last 6 to 8 months. 
Experian- XXXX- XXXX # XXXX / XXXX -Acc # XXXX XXXX XXXX XXXX XXXX XXXX Att XXXX XXXX XXXX XXXX XXXX XXXX -Acc # : XXXX USPS Certified Mail Tracking # 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 Sent request to the original creditor No Response.
Product: Credit card

I have credit cards with CitiCard and XXXX XXXX XXXX. I mail in payments a week before the due date but they are posted the day after the due date and late fees are charged. When the companies are contacted, I 'm told " we do n't have control over the Postal Service ''.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In or about XXXX, I contracted with XXXX XXXX XXXX for home security alarm monitoring services. On or about XX/XX/XXXX, I received an email stating that XXXX XXXX XXXX would soon be XXXX XXXX XXXX ( XXXX ). 

In or about XX/XX/XXXX, XXXX emailed me their cancellation procedures. In or about XX/XX/XXXX, I completed XXXX cancelation process. In or about, XX/XX/XXXX, XXXX sent me a letter claiming that I could not cancel because my contract did not end until XX/XX/XXXX. Shortly thereafter, I called XXXX and demand that XXXX  cancel the account in XX/XX/XXXX. I was told the account would be closed then. 

In or about XX/XX/XXXX, I noticed that XXXX was still charging my credit card or being paid. My wife, who reconciles the credit card and make the bill pays did not inform me that XXXX was still being paid. I did not discover this until I happened to review the credit card charges. 

In or about XX/XX/XXXX, XXXX sent me an email stating that the monitoring was canceled effective XX/XX/XXXX. 

In or about XX/XX/XXXX, XXXX, XXXX XXXX XXXX ( collections law firm ) mailed a collection letter to me. Via email, I demanded verification of the amount owed. 

In or about XX/XX/XXXX, XXXX, XXXX XXXX XXXX ( collections law firm ) mailed a letter in response to my request for verification of amount owed. From that letter, I discovered that XXXX was charging my XXXX  card through XX/XX/XXXX. I then cancelled the automatic payment. Knowing that I did not have a contract for services after XX/XX/XXXX, XXXX continued to bill me from XX/XX/XXXX to XX/XX/XXXX. 

Most disturbing, XXXX never sent me a delinquent notice or did it contact me to pay for the services. Instead, XXXX racked up charges and reported account as delinquent 120 days the TransUnion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX is not accurate.please remove this inaccuracy from my report XXXX - XXXX doesn't belong to me. please remove it from my credit report XXXX - XXXX doesn't belong to me.please remove it from my credit report 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 card or prepaid card

Date : XX/XX/2018 Dates : XXXX Amounts : {$19.00} Actions : I was creating an account of Transunion , and after I put my credit card information for the account so they can check my credit scores, but they automatically charged me without asking or confirm the order. If I know I have to pay for that service, I will not do it at all. Plus, I have a hard time try to cancel my account, and it's just not easy to do it. I called them, and I asked for refund, and I got a conformation number, but that's about it. I might get my money back, but that wasn't a good experience at all. I was trying to delete my personal information as well, and I couldn't do that. I have to call them for other time to delete my personal information.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Product: Credit reporting

I sent out a certified letter to XXXX requesting them to verify this account, I pulled the address from credit report from Experian. It came back to me because Experian must have the wrong address on my credit report. By law in which stuff like this protects the costumer XXXX had 30 days to verify. Since my letter to them game back to me dated XX/XX/2016 Experian has refused to remove this trade line that does not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information being reported on my credit reports with Experian and XXXX. Upon reviewing my credit reports, I have identified several inaccuracies related to the fraud accounts from XXXX XXXX XXXX, which are not in compliance with Metro 2 guidelines and are in violation of the Fair Credit Reporting Act ( FCRA ). 
Account 1 : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Balance : {$16000.00} Current Balance : {$18000.00} Status : Account charged off. {$16000.00} written off. {$18000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Payment History : The account is reported as being opened in XX/XX/XXXX yet the payment history is reporting missed payments in XXXX when this account WAS NOT opened. The status update says XXXX and the account was NOT opened until XXXX and charged of in XXXX so the status update date is inaccurate as well as amounts and the actual personal information as I DID NOT OPEN this account and if you are reporting all of these inaccuracies I can image ALL THE information in my report is inaccurate! 
Account XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Balance : {$25000.00} Current Balance : {$26000.00} Status : Account charged off. {$23000.00} written off. {$26000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Payment History : The account is reported as being opened in XX/XX/XXXX yet the payment history is reporting missed payments in XXXX when this account WAS NOT opened. The status update says XXXX and the account was NOT opened until XXXX and charged of in XXXX so the status update date is inaccurate as well as amounts and the actual personal information as I DID NOT OPEN this account and if you are reporting all of these inaccuracies I can image ALL THE information in my report is inaccurate!
Product: Debt collection

RGS Financial of XXXX XXXX showed up on my XXXX credit bureau on XXXX XXXX, 2016 for {$120.00}. This caused my credit score to drop by XXXX points. I have never received a disclosure of debt from this business and they have done irreparable harm to my credit. I do not any clue as to what this amount of for as it was not properly disclosed of to me. I have live at the same address going on 3 years and it has been on my credit file for 2.5 years. This is in direct violation of Federal Statutes pertaining to collections. This needs to be deleted immediately from my credit file or a civil suit will follow for the fullest amount allowed by XXXX County, XXXX Court for irreparable harm to my credit file and failure to adequately disclose the debt prior to placing it on my credit file.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXXXX/XX/2022 XXXX hard inquiries that needed to be deleted i was not aware or approve this transaction. please remove
Product: Debt collection

The medical debt Global Receivables Solutions, Inc. is trying to collect from me is from XX/XX/XXXX and XX/XX/XXXX. At that time I was married and the grantor was my ex-husband. I was under the impression that this debt was paid in full. Global Receivables Solutions, Inc, first contacted me via letter XX/XX/XXXX. I requested proof of debt and received proof XX/XX/XXXX. 

I agreed to pay {$30.00} monthly XX/XX/XXXX to put a stop to the harassing phone calls. The first payment was made on XX/XX/XXXX. 

According to our filed divorce agreement, my ex-husband is responsible for all debt accumulated during our marriage. 

Since the divorce has been filed with the courts and the courts acknowledge that my ex-husband is responsible for this debt, Global Receivables Solutions, Inc. needs to cease the harassing and inaccurate demand letters. 

Global Receivables Solutions, Inc. 's collections practices are illegal. They do not have the right to make up false agreements or reports and then report false agreements and negative reports with credit agencies just because they purchased the debt from XXXX XXXX Hospital. 

Global Receivables Solutions, Inc. has been sending letters stating that a payment was setup in the amount of {$500.00} due by XX/XX/XXXX. This is false. A payment plan in the amount of {$30.00} monthly was established. I have contacted them and they stated that they would correct the issue. Today I received a notice stating I owed them {$1600.00} due to the fact that they did not receive agreed payment. Another false letter. 

I have been treated badly by several representatives from this agency, ranging in severity from rude to downright hateful. Both their poor treatment of people who try to cooperate with them and their unethical collections practices led me to filing this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with the CFPB on XX/XX/2022 concerning a collections account on my credit report with XXXX XXXX XXXX and it is now XX/XX/2022 and I haven't received a response. According to the FCRA ( B ) Time of notice ( i ) In general, The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title. This is a violation of my rights as a consumer. Additionally, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX nor its affiliate company XXXX XXXX XXXX XXXX are not licensed to collect debt in the state of ALABAMA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Subject : Request for Deletion of Collection with Forward Follow Agreement Progressive I hope this letter finds you well. I am writing to formally request the deletion of my collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between Progressive and Cain & We As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within [ specify a reasonable timeframe ] to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.