23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It says the account was opened on XX/XX/2022 and the account reported on my consumer report XX/XX/2022. The debt collection agency by the name of LVNV FUNDING LLC has illegally reported this account on my report in the amount of {$410.00}! They have also committed identity theft, reporting an account that is not mine on to my consumer report! Im not sure how to take action on the company because I dont know any account numbers or how they even got my information! I havent received any calls or any emails stating that I owe any balance to any company. It just appeared on my report and gave my score a huge negative impact.
Product: Debt collection

XX/XX/XXXX disputed with XXXX XXXX XX/XX/XXXX disputed with XXXX I have Never been late paying this bill
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXXXXXX XXXX  ACCT # : XXXX, XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX XXXX XXXX XXXX  ACCT # : XXXX, XXXX XXXX XXXX  XXXX ACCT # : XXXX, has violated my consumer rights. 

15 USC 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax has failed to provide my platinum card tradeline for over the last several months! 

I have been playing XXXX XXXX with both companies as they continue to point fingers at each other over whos responsible for my information not being reported monthly! 

I have submitted numerous complaints and disputes to both companies and all they do is pass the buck continuously! 

However, nothing is done and my request still continues to be ignored and nothing has been resolved by both parties!
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX and Equifax and asked if they could send me copies of the documents used to verify the accuracy of the accounts on XX/XX/2023 and XXXX XXXX XXXX XXXX and Equifax sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX or Equifax doesn't have any files to verify this account, nor will they delete it. 



The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Posted on Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Posted on Equifax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two companies who tried to access my credit neither of which I know. The first apparently on XX/XX/XXXX through XX/XX/XXXX, and I am not sure what the ongoing dates mean. The company name is XXXX XXXX. I found their inquiry on my XXXX  crediting monitoring site recently. There is no contact information available for the company. 
The second company who attempted to access my credit is Synchrony Bank for Dicks Sporting Goods. There is no reason why an attempt should have been made by this bank to access my credit. I did not apply for a credit card nor do I shop in their stores or online if they even have an online site. 
Given that I am a victim of ID theft in the past, I have a freeze on my credit so I am assuming no harm has been done to me and my credit is still in excellent standing. I would however like to know why each of the companies tried to access my credit and if there is anything further I should know about this activity. 
Thank you.
Product: Debt collection

This number has been leaving messages that include the line, this is an attempt to collect a debt, which I thought was not allowed. 
It is potentially disclosing a debt to a third party. 

Please Advise. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern regarding the accuracy of the information on my credit report. I have previously sent XXXX  validation letters on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

In each of these letters, I have diligently outlined the discrepancies I have identified in my credit report and have requested thorough validation of the information in question. Unfortunately, despite my repeated efforts, I have not received any proof of validation from Equifax.

The inaccuracies I am referring to pertain to [ specify the inaccurate information, such as incorrect account details, late payments, or other discrepancies ]. These inaccuracies not only impact my credit score but also create an unjust representation of my financial history.

I understand that accurate reporting is crucial to maintaining the integrity of credit information, and I believe in the importance of fair and transparent credit reporting practices. Therefore, I kindly request Equifax to conduct a thorough validation of the information in question and provide me with the necessary documentation to support the accuracy of the reported data.

I urge you to treat this matter with the utmost urgency and address it promptly to rectify the inaccuracies on my credit report. As a consumer, I have the right to accurate and substantiated credit information, and I trust that Equifax will uphold its responsibility in ensuring the integrity of credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies refused to dispute claims and process them properly. 
Erroneously reporting mortgage payments to XXXX XXXX  despite providing proof that payments were made on time. 

Payments received after the XXXX of the month are late. I have never paid this account late. 

Secondly, CRA 's refuses to update XXXX XXXX XXXX account. This account was in a Covid 19 forbearance and was never late. Consumers did NOT qualify for a deferment if payments were past due.
Product: Bank account or service

In XX/XX/XXXX received a targeted promotion from Citibank, offering me XXXX American Airlines miles as a bonus for opening a Citigold checking account and completing simple requirements. I opened the account using the promotion code, and promptly completed the requirements. Now, in XX/XX/XXXX, one year later after having satisfied the terms of the offer, I have yet to receive the bonus. 

In XX/XX/XXXX, I contacted Citibank regarding receiving the bonus, and I was told that they could not locate the promotion code in association with my account, and began an " investigation ''. In a separate communication from Citibank, I was told that the " investigation '' was ongoing and would complete on XX/XX/XXXX, after which I would be contacted with the results. After hearing nothing by XX/XX/XXXX, I contacted Citibank again and was told that Citibank 's promotions investigation unit was " experiencing a delay ''. It is now XX/XX/XXXX, with no response from Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer ( XXXX XXXX ) and the one who holds ALL THE POWER, these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & Social Security Number : XXXX, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. I sent this agency a letter on XX/XX/2021 letting them know that there are fraudulent accounts on my credit report. This agency ignored my letter and still to this day XX/XX/2021, they have not responded. I feel as if my consumer rights are being violated and I'm sick of it. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission. the Erroneous RESULT OF The XXXX  XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian Transunion and XXXX. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. SO If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). please see attached invoice and pay it immediately upon receipt of this letter.
Product: Debt collection

On XXXX  Resurgent Capital Services called regarding a couple of debts I owed. XXXX was legitimate and we paid that bill, the other was for an account that is not mine, a debt that is not mine. This supposed debt is from XXXX, charged off in XXXX. They are trying to collect {$8200.00} for an account that is not mine, I never had any credit card at that time, but is also XXXX XXXX XXXX. 
I told them the debt is not mine and they sent it to review and immediately sent me a paper notice that it was indeed mine. At the time I was on the phone with them the woman advised me to file a complaint with the CFPB. They had also said all communication about this must be in writing now, which is fine. I sent back their form that I was still disputing it when the form and review letter arrived. 
My concern, besides the age of the debt, is that it is not mine to begin with. It shouldnt be on my records at all because its just not mine. They also still email and text me several times a day, despite having unsubscribed and asking to switch to paper for all communication. 
Thank you very much and have a nice day.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Collection XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9200.00} Collection XXXX XXXX-************** Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Collection XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$1600.00} Collection XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Checking or savings account

So I have an account with cash app I had to completely make a new account because my card kept get hacked and I was losing money from my account now even with the new account I made it is still happening. I have reported several times to cash app support and when it first was happening 2019 they were actually good about refunding me recently its been happening with several different places just taking money off my card left n right and cash app keeps denying my disputes when I asked for documentation for why its being denied I was told they wud send it to me but I have never received it. The following places are some I dont even recognize such as XXXX, XXXX, XXXX, XXXX then theres XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  etc I keep my cash app card locked constantly cuz of these constant withdrawals I have ordered new cards and the same thing continues to happen I have asked for these merchants to be blocked but they are still charging my card I have asked what I should do and they dont give me an answer and I cant get ahold of anyone by phone for cash app now I have money on there still and my card doesnt show up anymore to even use the money left on the account when I try to order a new card it doesnt let me so now I guess they took away my card completely and arent letting me get a new one
Product: Credit reporting, credit repair services, or other personal consumer reports

American express-account ending in XXXX american express is reporting two lates XX/XX/XXXX, and XX/XX/XXXX. These are a direct violation of the FCRA 15 USC 1681b permissable purpose of consumer reports. XXXX is in direct violation as well for not removing the items under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to Trans Union credit bureau to dispute inaccurate information on my credit report. The first letter I sent was on XX/XX/XXXX. I included my photo id, social security number, and proof of address. The most recent letter was sent on XX/XX/XXXX, and the bureau has not responded or updated any of the disputed information. Each time I send a letter I wait 30 to 45 days before checking my bureau credit report, so they have enough time to make necessary changes. I do not understand why the credit bureau is refusing to process my request. I know there might be delays at times, and I even tried to give them the benefit of the doubt for that. There is still inaccurate information reporting on my report. I have included a copy of all of the letters I have sent to the credit bureau with this complaint.
Product: Credit card or prepaid card

In XXXX I was late sending in my payment due to COVID issues. I then paid it in full asap. They are showing a late payment in XXXX on my credit, but they refuse to remove the late payment on my credit report. This dropped my score so I am now losing my mortgage because the score is XXXX points to low. Their late payment on my credit lowered the score over XXXX points. They agreed on a phone call to remove the late payment on my credit plus remove the late fee, but all they have done so far is remove the late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion continue to report these inaccurate items on my credit report. XXXX : The amount of the loan is incorrect, the date started loan is incorrect, the late payments are incorrect, the monthly balance is incorrect, the loan terms is incorrect. <P/>XXXX XXXX : Past due amount is wrong, late payments are wrong, status is incorrect. <P/>XXXX XXXX XXXX : The amount past due is wrong, the initial amount is wrong, status is wrong. <P/>XXXX XXXX : The last date report is wrong, late payments are wrong, the balance is wrong, the status is wrong. <P/>I have contacted all of these companies personally and they continue to state these items are verified and no change has been made. I have disputed these items with all three credit bureaus multiple times and I 've received reports stating these items are valid and no change. I am looking to purchase a home and these accounts are affecting my chances of getting approved. Please Validate these accounts or delete these items off my credit report. Thank you.
Product: Credit card or prepaid card

I've been a customer of Macy 's since 1982. Disgracefully, they have my credit limit at {$1300.00}. I wanted to make a furniture purchase that totaled {$1400.00}. My credit score is XXXX, my household income is $ XXXX combined, I lifted the credit freezes I keep on my account for safety reasons and they refused to increase my account despite a long and exemplary credit record with them. I believe this is due to my age and ethnicity - I'm XXXX  and do not fit the demographic they target in their advertising.
Product: Credit reporting or other personal consumer reports

Please apply these laws to the following account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is charging my card. They shouldn't be. I never asked them to charge me. I never asked them for help in any way. 

2 years ago they were hacked and offered " free '' services to make up for their mistake. Now I guess they feel they can just charge me for services I never wanted. 

I have tried to contact Experian. I have tried to contact XXXX. I have tried to contact XXXX - all of which are Experian companies to my knowledge. None of which I have EVER asked to charge me for their services. 

I have disputed the charges on my card and will be cancelling my card and renewing the number. This is outrageous I have to cancel my card because they find it okay to suddenly start charging me for a service they offered for free because they let me information be stolen.
Product: Debt collection

Received notice of collection on my credit file. This company did not provide any validation that the debt belongs to me. This company is in violation of the FCRA reporting standards.
Product: Credit reporting or other personal consumer reports

Hi. Recently, I reviewed my credit report and noticed some inaccuracies in my account. These errors are negatively impacting my ability to obtain credit. I understand that you will investigate these items to ensure their accuracy. Here is the item I am asking you to please verify as accurate on my XXXX report : Affirm XXXX
Product: Debt collection

On XX/XX/2021 i checked my credit report seen this account from XXXX XXXX XXXX is the original creditor and this collection agent First Financial Asset Mgmt. I have never heard from them received calls from them even an option to dispute this debt. I sent them a certified letter asking for validation of debt and they send me an itemized statement of my visit which gave a description of the visit. 

This is a third party and i never gave verbal or written consent for them to access this information. 
I have also made a HIPAA violation compliant. I know feel embarrassed and unsafe with this third party accessing my personal information
Product: Debt collection

About a month ago, I received a XXXX letter from A.R.M. Solutions concerning a purported debt of {$200.00} incurred by me in XXXX with a merchant ( XXXX XXXX XXXX  ) with whom I have never done business. I immediately replied by mail to the office and address provided in the letter, refuting the debt, and advising the company to desist from any further collection efforts. 
Yesterday ( XX/XX/XXXX ) i received a similar dun letter, without any acknowledgement of my previous correspondence, again demanding payment of this non-existent debt. 
I want this harassment to cease.
Product: Debt collection

Someone claiming to be XXXX XXXX continues to call my job after I told them I do not have any outstanding debt, to stop calling me at work and to mail me whatever information they have against me.
Product: Debt collection

I am currently in Collections with XXXX XXXX XXXX, XXXX. for {$130.00}. On XX/XX/XXXX I was given a gift of a gym membership at XXXX XXXX in XXXX, NJ by a former ex boyfriend, XXXX who lived in XXXX, NJ. The relationship ended because of XXXX  XXXX, I live in XXXX XXXX, NY over 30 miles away from XXXX, NJ. 

During the sign up process, I was told the contract would have to be under my name even though it was a gift and that my ex would be responsible to be the payment provider for the membership fees and monthly dues so we could workout together at this gym in his neighborhood while I stayed with him in NJ. 

It was a very violent situation where I fled for my safety. When XXXX stopped making the payments, I got left with this debt and in collections. At the time I tried to resolve this with XXXX and I was given the run around and told in order to cancel my account I had to go in person but because of safety reasons and the distance that was not an option for me. XXXX and Aldous & Associates are not, and have not been willing to work with me to settle this. 

After realizing that this was on my credit report and that it had never been resolved I reached out to Aldous & Associates on XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX I called to settle the debt and they were not willing to and I was told that there was no settlement option available for me and that is why I am filing this complaint against XXXX and Aldous & Associates. 

I am hoping for a resolution.
Product: Checking or savings account

I opened a new checking account through online banking and didnt receive the {$300.00} bonus promotion offered. I opened the account in XXXX, XXXX ; majority completed online. Went to the branch about 1/2 mile away from home with my niece accompanying as I am legally XXXX. I utilized the assistance of the bank employee to finalize account and verify I qualified for the promotion. 

Following protocol for promotion ( direct deposit within 90 days totaling $ XXXX ) ; accout in good standing at time of payout. I checked on anticipation date of payout via email on XX/XX/XXXX. I received a response confirming my meeting the qualifications for the promotion on XX/XX/XXXX also. After waiting plus 100 days and maintaining a positive balance I received a payment of {$100.00}. On XX/XX/XXXX I asked what was it for. Please see attached response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX suggests that I took out a loan in the amount of {$34.00}. on XX/XX/XXXX. They labeled this as a charge-off that is negatively affecting my credit. I have never attempted credit with that bank. XXXX XXXX XXXXXXXX has an inquiry on my credit report dated XX/XX/XXXX. I have also never attempted credit with this institution either. XXXX XXXX is still reporting an account that was open XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing a copy of my credit report, I see an entry listing XX/XX/XXXXXXXX # XXXX. According to FCRA 623 ( a ) ( XXXX ) if the credit bureau can not VALIDATE the information, they must remove said information from the consumer credit file. 
XX/XX/XXXX Chapter XXXX XXXX XXXX CT-EAST DIST MIC Docket Identifier : XXXX Date Filed : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX
Product: Mortgage

I have a home equity line of credit from Citizens Bank, NA. Every month I was giving an extra {$1500.00} a month all towards the principal amount. I was also paying the minimum payments of principal and interest. So now it came to my attention that the bank was taking an extra interest amount off of the XXXX extra I gave a month. I asked them to correct the issue and they did and went back a couple months. I wanted the entire Line redone correctly because the bank is keeping all the extra money I gave because they misdirected payments. Please help with this. Thank you.