23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a complaint today against the above company because I have asked for debt validation and have yet to receive anything saying that I owe a debt to the actual company. Also I have never signed a contract nor had any services through Ability. Not to mention they appeared in my credit report before but was disputed due to not having validation of me owing their company any money. I recently checked my credit reports and saw they were back on there without giving me the proper notification of them putting the debt back onto my reports. I do not have any knowledge of me owing Abilitly for any services through them and when I requested validation of the alleged debt, they did n't respond.
Product: Debt collection

Someone used my phone and I unknowingly discovered they purchased a pair of shoes using Affirm, they were sent to a address that I didnt approve with at the time due to me not being in the area due to traveling for work and I called affirm and the company about this issue and they both didnt help. The shoes never got delivered to me and actually got returned to sender and Affirm is still trying to bill me. I submitted proof the item was signed and delivered to someone in Michigan while I live in maryland.
Product: Credit reporting or other personal consumer reports

These accounts were opened without my knowledge or consent and are the result of identity theft.
Product: Mortgage

Besides the fact that now this company charges {$5.00} each month I make my payment on line, once again when I send an escrow check to cover the shortage, my monthly amount increases and I do not know where my check goes. In XX/XX/2019 I had received a letter regarding my escrow shortage. I sent the check on XX/XX/2019 of {$300.00} to cover the shortage. On my statement dated XX/XX/2019 shows they received the check & applied to " special deposit '' instead of escrow. My XX/XX/2019 monthly payment increased regardless. Same thing happened last year and when I called the response seemed confusing. I let it go because I was going through a difficult emotional time and could not handle another stress. This time it happened again and I am not letting it go. I need to understand where the checks have been applied each year since it is not going into my escrow as it should be.
Product: Debt collection

I received notice that Blitt and Gaines , P.C . filed suit in the XXXX XXXX XXXX XXXX XXXX XXXX Court Division in Missouri. Case # XXXX. They were suing for {$1700.00} on XXXX XXXX XXXX XXXX XXXXXXXX for an alleged credit account debt on an account that was opened in XXXX in North Carolina. Blitt and Gaines stated in their filing that the last payment was made on XX/XX/XXXX. The suit was filed on XX/XX/XXXX. This would be approximately 3 years and 3 months since the last payment was made on this account. North Carolina Statute of Limitations on credit card debt is 3 years making this suit time barred. I advised the Blitt and Gaines and the Court of this fact in my response to the suit. Had case continued and then appeared for a court date but the court continued the case. I advised all parties that I was a XXXX XXXX  and due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was unable to attend the next court hearing and the court denied a continuance and a default judgment was entered. 
Regardless of the validity of this debt it was time barred and I believe Blitt and Gaines used the Missouri Court system to collect a debt that the Missouri Court had no jurisdiction over and actually succeeded in their attempt to manipulate the court.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. please remove these accounts from my report they are hurting my ability ot obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXDTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

LVNV Funding LLC is illegally reporting debt associated with my name and social security number. I've previously requested that LVNV Funding LLC validate the debt by producing the original contract bearing my signature and they responded to my dispute without fully validating the debt. I do not owe for the debt that they are persistently pursuing to collect from me. And I am a resident of Illinois, which is a state that LVNV Funding LLC is not licensed to collect debt in. Upon a recent search at the XXXX XXXX XXXX XXXX ( XXXX  ) Consumer Access for their license to collect in Illinois, LVNV Funding LLC has no listed license to collect debt in Illinois. ( See attached XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a personal loan with several companies in XXXX 2022 XXXX of the companies was XXXX XXXX. 
Did not accept their loan offer. Never signed any loan documents. Never received any loan funds. 
This company is now claiming I have a loan with them and it is delinquent. 
Disputed XXXX through the credit bureau. 
This is complete fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an era where transparency and accountability are crucial, it is essential for financial institutions to provide adequate documentation when charging their customers. XXXXXXXX XXXX XXXX refusal to provide documentation to substantiate a charge raises serious concerns about their practices and highlights the need for increased scrutiny. This argument presents reasons why charges should be added and highlights the significance of XXXXXXXX XXXX XXXX unwillingness to provide any requested documentation. 
One of the fundamental principles in consumer protection is ensuring that consumers are treated fairly and have access to all relevant information regarding charges made to their accounts. By refusing to provide substantiating documentation, XXXXXXXX XXXX denies its customers the opportunity to review and validate the legitimacy of the charges. This lack of transparency undermines consumer trust and raises suspicions about the legitimacy of charges. 
Without adequate documentation, customers are left in a state of uncertainty regarding the legitimacy of the charges imposed by XXXXXXXX XXXX. Providing substantiating documentation is not only a responsible business practice but also a legal obligation in many jurisdictions. Customers have the right to verify that the charges align with their contractual agreements, and by refusing to provide such documentation, XXXXXXXX XXXX fails to fulfill its obligations and exposes itself to accusations of wrongful billing. 
In cases where customers question the accuracy or legitimacy of charges, the ability to examine supporting documentation is critical. By refusing to provide such evidence, XXXXXXXX XXXX makes it nearly impossible for customers to effectively dispute charges and seek resolution. This lack of cooperation can result in prolonged disputes, damaged credit scores, and an erosion of trust between the bank and its customers. Financial institutions are subject to various regulations and guidelines aimed at protecting consumers ' rights and ensuring fair business practices. These regulations often require banks to maintain records and provide documentation upon request. XXXXXXXX XXXX XXXX refusal to provide substantiating documentation may indicate a potential violation of these regulations, thereby undermining their credibility and potentially leading to legal consequences. 
Transparency is a cornerstone of ethical business practices. By refusing to provide documentation, XXXXXXXX XXXX raises doubts about its commitment to transparency and accountability. A responsible and ethical institution should willingly provide customers with the information they need to understand and validate the charges imposed on their account. By arbitrarily adding charges with no way of knowing where they originated is criminal.
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX I am writing to formally lodge a complaint against Regions Bank regarding their failure to honor a {$400.00} welcome bonus offer, despite my having met all the stipulated requirements. 
Details of the Offer : Offer Description : {$400.00} welcome bonus for opening a new checking account Requirements : [ Open a new personal LifeGreen checking account by XX/XX/XXXX, Enroll in Online Statements, Use your Regions XXXX  CheckCard to make XXXX or more purchases within 30 days of opening your account ] Account Opening Date : [ XX/XX/year> ] Issue Summary : I opened a new checking account with Regions Bank in response to their {$400.00} welcome bonus promotional offer. The offer required that I meet certain criteria, all of which I satisfied within the specified time frame. 
Completing XXXX transactions, which were all completed by [ XX/XX/year> ]. 
Despite fulfilling all the requirements, the promised {$400.00} welcome bonus has not been credited to my account. I have contacted Regions Bank customer service on multiple occasions to resolve this issue, but to no avail. The representatives have been unable to provide a satisfactory explanation of why the bonus will be credited. 
Attempts to Resolve : Date ( s ) Contacted : [ XXXX via phone and in person ; XXXX via email ] Customer Service Response : I was told several times that the issue XXXX XXXX escalated and looked into ; I ultimately started to receive the run around and eventually they were non responsive. I then visited a local branch where I was given no clear reason that the offer was not honored and was forced to close my account at that time. 
I believe that Regions Bank is in breach of their promotional offer terms and conditions. As a consumer, I feel misled and disappointed by their failure to honor this promotion. 
I am requesting that the CFPB intervene to ensure that Regions Bank fulfills its obligation by paying the {$400.00} welcome bonus immediately via check. I also seek assurances that similar issues will be addressed in a timely and fair manner for other consumers. 

Regards, XXXX XXXX
Product: Student loan

Investigated student loan written as " Charge-Off '' on credit report. The loan was included in bankruptcy so should not be on my report.
Product: Debt collection

I received a copy of my credit report on  XXXX / XXXX / 2017  and noticed that Receivables Performance has listed an alleged debt on my report for {$460.00}. I immediately contacted this company by certified mail #  XXXX   XXXX   XXXX   XXXX   XXXX . Receivables performance was in receipt of this letter on  XXXX / XXXX / 2017  that informed them that I am disputing this debt as this account is NOT mine and I have never done business with the original lender or this third party agency. I requested full validation/verification on this account and per the FDCPA, gave them 30 days from the receipt of the letter to complete this request. Per my rights, failure to verify the accuracy of this alleged debt is grounds for removal. As on  XXXX / XXXX / 2017 , Receivables  Performance  has ignored my request and failed to provide the information I have requested. This account is not mine, and I have NEVER done business or signed a contract/agreement with the original lender or the third party that is inaccurately reporting.
Product: Credit reporting 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 items. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i have to late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following date ( XXXXXX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been actively trying to repair my credit for a while now. In the midst of me reviewing my report, I noticed that there were a few incorrect items on my report that is negatively affecting my score. In attempt to repair the errors I have sent out multiple dispute letters, without any luck. Most recently, I filed a XXXX letter, sent XX/XX/2021, and have yet to receive a response. It is now XX/XX/XXXX and I have yet to get a response, nor have I seen any changes to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them accounts. XX/XX/2022, 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer or from the consumer.

They also violated my rights numerous times. The credit hurosue vinlat
ed my nivenrin Nor 15 1100 1601 identify you and your account. Consumer reporting agency when such information was obtained directly from a creditor of the consumer or the consumer. They also violated my rights numerous times.The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to you for the second time regarding the incorrect information that you have been reporting on my credit report. I had previously contacted you in a respectful manner, expressing my concern and trust that you would rectify the situation promptly. However, it appears that the matter has not been resolved yet, which is deeply disappointing. 
Once again, I must reiterate that the late payment information associated below is incorrect : Account Name : CARMAX AUTO FINANCE Account Number : XXXX Reason : Incorrect late payment Account Name : CARMAX AUTO FINANCE Account Number : XXXX Reason : Incorrect late payment Please remove ALL late payments- there should be NO late payments reported here. I maintain meticulous records of my payment history across all my bills and accounts, and there should be no indication of any late payments on this particular account. It is evident that an error has occurred, and it is essential that this issue is rectified immediately. 
The incorrect reporting of late payments is severely impacting my ability to obtain credit, as it continues to have a detrimental effect on my credit score. I have consulted with credit experts who have advised me that there are legal provisions in place to ensure that inaccurate credit information can not be reported. It is with this knowledge and determination that I once again insist that you take immediate action to remove the late payment marks from this account. 
I want to stress the seriousness of this matter to you. The inaccurate reporting is not only causing me financial distress but also undermines my confidence in your ability to handle my account responsibly. As a valued customer, I believe it is within my rights to expect accurate and fair treatment. 
I kindly request that you review this matter urgently and provide me with written confirmation of the correction made to my credit report. I expect a prompt resolution to this dispute to avoid any further escalation of the situation. Please understand that I am prepared to take any necessary steps to protect my rights under the applicable laws and regulations. 
I appreciate your attention to this matter and look forward to your immediate action. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Bank accounts were opened under my name fraudulently, using my personal infor such as my SSN and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681c-2 ( a ). i submitted an identify theft report to the Federal Trade Commission. Attached is my identity theft report. Block the requested information off my report. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.
Product: Debt collection

See attachment. They ran a scheme to fix Al of their apartments. Then where going to XXXX XXXX to not get noticed.this has been going on for a while, I have so much more documentation. Even involving a police officer.
Product: Bank account or service

ATM card stolen. Bank not honoring law regarding burden of proof and reporting requirements. Action will also be filed with the Office of the Comptroller of the Currency.
Product: Credit reporting or other personal consumer reports

USAA FEDERAL SAVINGS B Inquired on XX/XX/2023 Business Type : Bank Credit Cards 3XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This is an inquiry for which I do not authorize the reporting due to its inaccurate representation of my credit profile.
Product: Debt collection

There's debt from Credit Management ( cXXXX XXXX ) for {$300.00} from XXXX. I contact company and they advised my social security isn't matching. It hasn't been removed from credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). 

Account # XXXX and Account # XXXX are showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately. 

My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2023. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices.