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

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX DOB XXXX SS XXXX I would like to order a Full and Complete Copy of my XXXX XXXX, XXXX analyst Full report, and a full copy of my MIB report. I am having issues with unknown addresses and information that keeps reappearing on my file or incorrect information the is reoccurring that is reporting from various/different databases. I would like an up-to-date copy for my own personal review. This will allow me the opportunity to address any errors and make the needed adjustments.
Product: Credit reporting or other personal consumer reports

In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place. 
Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties. 
I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. 
I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 

lightstream bank inquiry date XX/XX/2023 2023
Product: Debt collection

My XXXX account was hacked back n XXXX are XXXX phone was off a whole day no network then i received a notice on my account that it was a data breach but my info wasnt affected then i went to the bank one day to get my XXXX check on XX/XX/XXXX my check was gone .my statement stated the XXXX had been making withdrawals since XX/XX/XXXX XXXXThey then order XXXX XXXX on my account cause the receipt came to my phone ran my bill up to XXXX and said i owe it I trying calling takling to a supervisor but the phone reps will not put higher authority on the phone. They have damaged my life i was XXXX customer for 12 loyal years. They have even blocked the online account and reported me to debt collector ... by they way ve been hacked twice by this company
Product: Credit card or prepaid card

I started receiving collections calls from XXXX  XXXX stating my payment was overdue for the month of XX/XX/2021. I made a payment on XX/XX/2021 and my due date was XX/XX/2021. My payment has not been returned to my bank. I called into Aspire and spoke with the supervisor on XX/XX/2021 at XXXX XXXX  eastern standard time and my issue has still not been resolved. Aspire has the WORST customer service ever. I will pay this credit card off and close this account it is not worth the headache to deal with this company. I would like to request that this company closes my account and I will continue to make payments until this account is paid off.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Wells Fargo has paid its debt for the way they illegally had gap insurance while I had an active policy. However ; they have not yet paid me for the repossession or the collection efforts or impacting my credit score for years. Until someone figured out that I didnt owe them anything and they had caused me great harm.
Product: Checking or savings account

Can not access account online at all. Before only checks were not visible. Now no account information is accessible. We are paperless so I have no visibility to any account information.
Product: Debt collection

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX  XXXX Attn : Disputes XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear XXXX  XXXX or To whom it may concern : I'm disputing today because my credit was sold to a credit bureau without my permission. I took a look at my credit report and it says the amount was not paid in full. We came to an agreement and I paid the full amount. A few of my consumer laws have been violated and I demand an investigation of the validity of my account and I need documentation proof that the Debt is assigned to me. You guys violated my rights of 15 U.S. Code 1681. TILA, FDCPA, and SERA. If documentation can not be provided I request removal of the account from my credit report, if you can not provide documentation in the allotted time. 
Thank you for your time. 

( *it has now been more than 30 days an no answer )
Product: Debt collection

I have sent RS CLARK ASSOCIATES two letters, one on XX/XX/2020, and the last letter on XX/XX/2020. The verification is needed for the debt totaling {$63.00}. The company has failed to respond to verify.
Product: Credit reporting or other personal consumer reports

Company/date- XXXX XXXX XXXX XXXX  XX/XX/XXXX Company/date- credit corp solutions in XX/XX/XXXX The accounts listed above have been paid off and is still reporting to my account with a balance.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Second Request for Debt Validation, Contract Assignment, Removal of Account from Credit Report, Cease and Desist, and Statutory Damages To Whom It May Concern, I am writing to you regarding the alleged debt of Portfolio Recovery Associates , LLC. This is my second attempt to request validation of this debt. According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide verification of the debt in accordance with [ 15 USC 1681 ] of the FCRA.

Specifically, I demand that the following documentation be provided within 30 days : 1. Verification of the original creditor, 2. Signed contract or agreement indicating my consent to pay the amount claimed, 3. Documentation of my wet signature acknowledging that I owe PRA, 4. Any assignment or transfer contract proving the debt was assigned to your agency, 5. Detailed accounting of the alleged debt, including the total amount claimed, and any interest or fees applied.

Please be advised that an itemization of charges alone does not constitute validation of this debt.

Until this debt is properly validated, I hereby request that Portfolio Recovery Associates , LLC remove this account from my credit report, and I request all collection activities cease and desist immediately, including but not limited to phone calls, letters, and any other forms of communication. Continuing to report this unverified debt to credit reporting agencies is a direct violation of [ 15 USC 1681b and 15 USC 1681s-2 ( a ) ( 1 ) ] of the FCRA.

If validation is not provided, I demand the immediate removal of all records related to this debt from my credit reports. Failure to comply with these requests will result in statutory damages for violations of the FCRA, specifically {$1000.00} per incident of non-compliance. Any further contact outside of providing the requested validation will also be treated as harassment and dealt with accordingly. 

Thank you for your prompt attention to this matter. 

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

On XX/XX/2017, XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report  standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of 32,576. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information.
Product: Debt collection

Rent recovery solutions account : XXXX has now posted collections to my account nearly 2 years after I lived at the XXXX XXXX XXXXXXXX and had to break the lease due to Government Official Business and Family Medical Emergency all of which was exempt form any further payment and the lease was broken without any charges. These folks are known to be bullies and scammers who press people for money they do not owe. They are literally in the top XXXX companies who get complaints in their industry. This is not a dept that I owe them, and they have no applications nor evidence that I owe them anything. They do not have my written permission from me stating that this is my debt and that they can report this. They need to stop this activity immediately. I am a XXXX combat veteran facing some serious health issues. Their actions are causing me and my family distress and hardship that we are not able to bear at this time. Please help. They know they are wrong and that's why they did not even contact me. I just found this trash on my credit report.
Product: Credit card or prepaid card

On XX/XX/2022, my account was unlawfully closed Pursuant to CFR 1002.7.

1002.7 Rules concerning extensions of credit. 
( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. 

( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname. 

( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.
Product: Debt collection

Agent name XXXX has made several calls to me regarding the Huntington debt of XXXX dollars after continuously telling him that I was unable to settle the debt outright. refused to allow me to settle with a payment plan and would continually call ( sometimes twice a week ) In order to harass and threaten legal action to receive payment.
Product: Credit reporting or other personal consumer reports

Equifax continues to block access to my personal online account which prevents me from being able to file online disputes to correct my credit report. I can not remember all of the exact dates that I have contacted them about this issue, however, they should have it on file. I have received various reasons for the cause of the problem and I am always met with challenges as far as having it corrected. The most recent incident occurred in XXXX XXXX. When the issue was finally corrected I was told the cause was a duplicate file that they had for me that was causing the issue. After that call I was able to log in, however, as of XXXX XXXX my access has again been blocked. 

Although I have the ability to mail in disputes, I prefer to send them online and should not be denied the access to do that.
Product: Debt collection

*On XX/XX/XXXX, I received from National Credit Systems, INC informing me of a account they intend to place into collection. 
*On XX/XX/XXXX, I attempted to contact them via phone call, no answer. 
*On XX/XX/XXXX, I sent via certified mail a request to validate debt, notice of my intent to dispute the debt, and demand to not report this account to collection without validation of debt. 
*On XX/XX/XXXX, I sent a second certified letter with a request to validate debt, notice of my intent to dispute the debt, and demand to not report this account to collection without validation of debt. 
XXXXOn XX/XX/XXXX National Credit Systems , INC reported this account to Credit reporting agency XXXX  .
Product: Money transfer, virtual currency, or money service

Paypal is fraudulently declining financial transactions to withhold cash-back award potential. Despite having a long established relationship with this vendor they have begun declining all transactions on business debit card ending in XXXX. My PayPal account is in good standing and is secured by a long standing link to my financial accounts at XXXX XXXX. Paypal despite repeated attempts to contact them by phone has zero support available and chat support takes hours and days to respond and do so with scripted messages that do not address the concern. When formally asked to escalate the concerns no additional action is taken nor additional contact made. PayPal is fraudulently declining transactions in an effort to deprive me of my cardholder right to receive cash-back rewards and unjustly enrich themselves through theft by conversion. Account ID : XXXX debit card end XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion claims they except disputes to repair remove incorrect information they however DO NOT remove delete fix anything resulting in untouched inaccurate information dating back to many many years ago. 

Separately I have been affected by a bank who claims information on TransUnion file has resulted in the closure of an account and also cutting my higher credit limit to lower limits. Who decided it was a good idea to allow a bureau this much power over the consumers? They report the lowest credit score of the other bureaus I'd like to request they stop reporting anything about me Good or Bad
Product: Debt collection

I called the compant and spoke to XXXX XXXX XXXX and he once again told me the company has a non- removal policy no matter if i made the complaint to the cfbc they will not remove it for me, even though it is paid in full. They have to release of record! I have never had a collector not release? This is prohibiting my ability to purchase a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, using old out date information to trash credit score in order to sell product. Also an issue of red lining for profit and higher interest rates. Experian is using out dated information of old debts paid. Several old bills that was paid over 4 years ago, one bill being a XXXX XXXX XXXX account that has been paid three times and removed from my credit report many time. Medical bills that a dispute was submitted. The company offered a boots program ( using monthly history ) only to tell me that I did not have anything they could use and offer me a payment type of program. Using outdated information and old disputed debts that where removed. Experian has trashed my credit score costing me thousands in interest rates and credit for my business. They also attached a old credit card that belongs to my daughter and added to my debt to reflect on my debt to income ratio stating that I was using 72 % of my credit, this is not true! I've been paying off my debt to refinance my home and now I can not get a fair interest rate due to this misinformation!
Product: Credit reporting or other personal consumer reports

GOT A WHOLE BUNCH OF INQUIRES ON MY CREDIT REPORT, AND THE XXXX XXXX  THAT I HAVE BEEN DISPUTING FOR SOME TIME NOW. INACCURATE REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permission to Equifax to place the inquiry for XXXX XXXX  on XX/XX/2021 I asked them to remove their credit inquiry from my credit profile. I also asked them to ease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Money transfer, virtual currency, or money service

I'm following a complaint against Cash app Block , Inc due to inadequate customer service and unfair practices which violate consumer financial protection act.Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platforms 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 phones.Transact at these actions have called significant inconvenience and financial loans.And I seek appropriate To these isolationsredress.
Product: Credit reporting or other personal consumer reports

My rights as a consumer is being violated. There are inquiries on my credit report that I don't recognize and it is stressing me out, I never gave permission nor consent to these companies to pull up and access my credit report.
Product: Credit card or prepaid card

In the previous CFPB complaints : XXXX, XXXX & XXXX XXXX. American Express failed to address the question WHY I only can redeem the points to gift card not other ways. What part in Term and Condition states such limitation? the escalation and concern I want to bring through this request is that i don't agree with American Express 's policy that I can ONLY redeem the points to gift card. I should have the ability to redeem the points with other options ( for example transfer the point to partner airline ). I want to raise this issue, as there is nowhere in the Term and Condition mentioning the limitation of only being able to redeem via gift card. Hence, the American Express 's policy is unjustifiable.
Product: Debt collection

I was in a debt management program and thought this debt was included. I wasnt aware that I still owed the balance until they reported to my credit report. No phone call, no letter in mail only sent to credit beauru and that is how I found out about the debt from XXXX. I asked them to remove from credit report and told me they didnt have to send me a letter. According to them and call was recorded that they didnt have to send me a letter in the mail. I am paying balance on XXXX but I need this removed from credit report. Company is National credit adjusters. They never notified me that it was sold to them or sent me anything about the debt to be paid or gave me an option to pay before it went on credit report. but they had a note that it was in a debt management program. XXXX XXXX  and needs to be investigated I need this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan through XXXX XXXX XXXX XXXX XXXX, that I missed payments on and ultimately the car was repossessed back in XXXX. On XX/XX/XXXX the amount I owed was deemed a Civil Judegment. Civil judgements are not allowed to be reported on your credit report. 
XXXX XXXX XXXX  has the account listed on my credit as closed XXXX But continues to list the payment as a tepossion each month from XXXX up until XXXX. This is showing a bad payment history for me. These payments starting XX/XX/XXXX should not be allowed to be posted on my credit as it pertains to a Civil Judgement. 
I reported this and submitted the Civil Judegement paper to Experian and they refise to change the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a major issue with this account XXXX XXXX XXXX states it was open back in XXXX was opened by my spouse XXXX XXXX and appeared on my credit reporting agencies XXXX XXXX filed bankruptcy XX/XX/XXXX under file XXXX and put this XXXX XXXX XXXX on his chapter XXXX and its appearing on my credit information XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone XXXX than it was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX was sold again to a letter I recently rec ; d XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX Been receiving harassing phone calls every day Valentines Acct number XXXX Current due XXXX XXXX XXXX XXXX re ; XXXX XXXX XXXX