23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX XXXX  XXXX sent me a letter stating resurgent now owns an account ending in XXXX an alleged debt in the amount of {$9200.00} On XX/XX/XXXX I received a letter from resurgent stating LVNV funding llc has required this alleged account. None of whom I have ever contracted with, it also stated Resurgent capital services L.P is the master servicer for LVNV funding LLC, also never contracted with. 
None of this alleged debt has been validated and yet it shows up on my credit report which violates the fair credit reporting act, the fair debt collection practices act, and defamation of character. Today XX/XX/2023 I sent a debt validation letter to XXXX funding who claims to have purchased this alleged debt from XXXX XXXX bank Nevada NA
Product: Credit card or prepaid card

I sent Grain a recession letter, rescinding and cancelling the transaction on XX/XX/XXXX. They received this letter on XX/XX/XXXX via certified. After receiving this letter, Grain pushed me out of the app and attempted to make me resign the agreement and verify my identity. Proving that the transaction was cancelled. They never responded to my letter. After they received the recession letter, I sent an affidavit of truth and a consumer enforcement action letter on XXXX XXXX. They never responded to either of my letters that they received on XX/XX/XXXX. In the XXXX 's of law, any unrebutted affidavit stands as truth in commerce. After they received the affidavit of truth and consumer enforcement action, the app page changed again. Grain pushed me out of the app which has prevented me from making payments. Now they are reporting late payments which is unfair because they pushed me out of the app after my recession letter. Late payments are illegal under any " open ended credit play '' pursuant to XXXX XXXX XXXX. I decided to send another cease and desist on XX/XX/XXXX. They recieved this letter XX/XX/XXXX. I've sent Grain multiple letters that they have failed to respond to. I haven't been able to get into the app to make a payment since XXXX. I've allowed Grain applicable time to respond to my documents. Grain is participating in unfair debt collection practices and truth in lending violations.
Product: Credit card or prepaid card

On XX/XX/22 Synchrony Bank left me a phone message about suspicious purchases on my XXXX XXXX XXXX that was used for purchases at XXXX. ( Nothing else of my info was used, not my home address, nor my email address, just the card number. ) I called and was told of charges adding up to {$430.00}, none of which were by me. I was told of their, " {$0.00} Fraud Liability benefit, '' that I would never be responsible for unauthorized charges. An email letter sent by the bank said that the amount was {$400.00}. On XX/XX/XXXX, another email letter said, they had approved my fraud claim on my XXXX XXXX XXXX account based on the information they had so far. Then it went on to say, " Please note, this claim status may change within 60 days if we find you authorized these transactions. We will notify you in writing if this occurs. '' Yesterday, XX/XX/XXXX, I received a bill for {$440.00} and was told over the phone that they missed some of the charges when doing their fraud investigation and a new fraud case will be opened. I could see on the bill that the charges had been {$930.00} and an interest fee of {$10.00}. It showed {$490.00} in credits, leaving the {$440.00} that they missed in the fraud dispute. My concern is that they are incompetent and that my credit could be harmed. I have very good credit, as I always pay my bills. Can you help me?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Eastern Account System XXXX XXXX XXXX XXXX XXXX, CT XXXX Subject : Dispute of Collection Account Request for Validation Dear Eastern Account System : I hope this letter finds you well. I am writing to formally dispute the validity of the collection account referenced below as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and specifically under 15 U.S.C. 1692g ( often referred to as " validation of debts '' ). My full name is XXXX XXXX XXXX, and my account number is XXXX According to my recent credit report, there is an entry for a collection account with the following details : - Creditor Name : Frontier - Account Number : XXXX - Amount Due : {$420.00} I am requesting that you provide validation of this debt, including the following information : 1. Proof that I am legally obligated to pay this debt.

2. The name and address of the original creditor.

3. A detailed account statement that outlines the amount claimed, including any charges, interest, or fees.

4. Validation documentation that verifies the debt has not violated any statutes of limitations. 
XXXX. Any documentation that substantiates your authority to collect this debt on behalf of the original creditor. 

Please note that until I receive this requested validation, I do not intend to make any payments or acknowledge this debt in any manner. Additionally, under 1692g ( b ) of the FDCPA, I request that all collection activities cease until the requested validation is provided.

I appreciate your prompt attention to this matter and request a response within 30 days from the date of this letter. 

Thank you for your cooperation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I have contacted Transunion on multiple occasions to discuss my dispute far as my bankruptcy. It has been on multiple occasion, where I have been lied to. I first reached out to Transunion on XX/XX/XXXX by a way of mail, to let them know that the reporting of my Bankruptcy is showing incorrect. Then they sent me a letter back stating that it came back verified and that they updated information. I was confused on how it can be verified so quickly as courts were starting to close due to Covid-19. I began to wonder if that had even contacted the bankruptcy court to begin with. 

So, I questioned Transunion and their validity to see if they even began to do their due diligence to contact the Bankruptcy court. So, I asked them how they verified this, who did they contact and how they contacted them. They told me that they did not verify it. I was in complete shock when I found out this as this could be a violation of the Fair credit reporting act. They told me that a third party by the name of XXXX XXXX has done it. I was still shocked to know they did not do a throughout investigation and then marked my bankruptcy as verified. 

So, I contacted XXXX XXXX to discover how they verified the information and did they follow the rules Transunion was supposed to follow. They then sent me a letter in the mail stating that the information they received was verified through the bankruptcy court in Tennessee. I was shocked that Tennessee court did such a thing, so I contacted Tennessee bankruptcy court along with the bankruptcy court of Illinois. 

I reached out to both courts to discover that Transunion and XXXX XXXX had been lying to me this entire time! The letters that I received back from both courthouses clearly shows a violation for both entities. The letters clearly state they did not provide nor verify information with these entities. Along with how these courts do not provide any information at all to the bureaus. When I had a phone conversation with the Clerk she expressed how she felt that these companies continue to fib to the American people ; and also Tennessee does not have my information on me because its not the state I filed with. She was so flabbergasted they did this because she could not even look me up in her system. All of which is a violation of the FCRA and is dishonest way for a major bureau such as itself to act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX  XXXX OH,XXXX  XXXX XXXX XXXX XXXX XXXX OHXXXX My only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Money transfer, virtual currency, or money service

Used PayPal account linked to XXXX to sell an item ( XXXX ). PayPal sent me an email that the payment was received. I then shipped the purchase item and marked it as sent, along with tracking number and necessary info. After the item was sent, the payment was cancelled by the buyer and PayPal allowed the cancellation although the product was already sent and no refunds or returns was on the listing. Of course, the buyer did not return the product either as this was a plan for fraud. After filing a dispute with PayPal and calling several times, they refused to credit my account or reimburse me. They claimed it was my fault for not making sure I claimed the payment first although they were the ones who sent me an email that I had received payment. PayPal is known for doing this all the time and allowing buyers to commit fraud while leaving sellers at a loss with losing the product and not receiving payment. Furthermore, after selling another item which has been delivered several weeks ago, PayPal continues to retain the payment on hold, which should be available to me by now.
Product: Debt collection

I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is not giving an update. I have submitted disputes from months ago but still have yet to get an update on my score or address the incorrect information on my credit report. 

I submitted disputes regarding hard inquiries that weren't authorized. Also there are medical collections on my account which is a HIPAA violation and insurance already paid for it.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft, and I did not make the charge. I report the theft of my identity to the federal trade comisin and I also have enclosed copies of the Federal tray commission identity, theft, affidavit " please delete the items a soon as possible '' Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681 ), I hereby formally request the removal of certain unauthorized credit inquiries that have appeared on my credit report. After careful review, I have identified that the following inquiries were made without my express consent or in error : TRANSUNION XXXX XXXX  Dafe of inquiryXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiryXXXX XXXX XXXX XXXX XXXX I hereby notify you that the information reported in my credit report contains errors. Pursuant to the Fair Credit Reporting Act ( FCRA ) section 611, I request that you initiate an investigation into the following entries that I believe to be inaccurate. 
My name correct : XXXX XXXX XXXX D.O.BXXXX ADDRESS:XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Transunion XXXX XXXX, XXXX ) Under the Consumer Protection Act, specifically Title XV of the Dodd-Frank Act, I have the right to receive proper notifications about any outstanding obligations and a clear justification for late payments. To date, I have not received any communication explaining this failure. I request a review of this matter and regularization of payment, as failure to meet these obligations affects my rights as a consumer and may be subject to legal action under CFPB regulation.

Under 15USC 1666b this late payment, entry is a violation. I have incorrectly billed XXXX XXXX account number:XXXX XXXX Account number:XXXX XXXX Account number:XXXX XXXX Account number:XXXX XXXX XXXX Account number:XXXX Please update the status of this account to " paid on time '' ( Transunion, XXXX, XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied to an apartment complex and I received experien rental bureau is stating a civil action that is prohibited me from getting an apartment for me and my child for personal family and household purposes I am demanding that Experien remove this civil action from my consumer report as they did not have permission to report this information in the first place attached will be proof of the Report provided by Experien and proof of identification
Product: Credit reporting or other personal consumer reports

I RECEIVED NOTIFICATION ON XX/XX/XXXX THAT MY Apple Card ISSUED BY GS BANK USA ACCT # XXXX HAD UPDATED TO PETITION FOR XXXX  XXXX BANKRUPTCY THE BALANCE WAS REMOVED ALONG WITH ANY PASS DUE AMOUNT AND CREDIT USAGE AS IT SHOULD HAVE. THEN ON XX/XX/XXXX I GET ANOTHER NOTICE FROM MY CREDIT MONITORING SYSTEM IT HAD BEEN A CHANGE TO MY CREDIT REPORT UPON LOGIN I NOTICE MY CREDIT SORE HAD DECREASED BY XXXX POINT AND WHEN I CLICK ON ( WHAT CHANGED ) IT SHOWS Apple Card/GS USA BANK HAD REPORTED ON XX/XX/XXXX MY ACCOUNT WAS 60 DAYS LATE WITH A 100 % CREDIT USAGE A BALANCE OF {$6600.00} WITH A PASS DUE BALANCE OF {$400.00} AS OF XX/XX/XXXX WHICH SHOULD NOT BE POSSIBLE DUE TO THE BANKRUPTCY FILING THAT LEGALLY STOP ANY FUTHER REPORTING. GS USA BANK WAS NOTIFIED IN XX/XX/XXXX OF BANKRUPTCY FILING AND NOTIFIED THE XXXX MAJOR CREDIT REPORTING AGENCIES OF THE BK FILING BUT FOR SOME UNKNOWN REASON ON XXXX APPLE CARD/GS BANK USA REINSERTED THE DEBT ON MY CREDIT REPORT ALONG WITH EXTRA LATE PAYMENT REPORTING THAT WAS NOT REPORTING BEFORE THE BK THIS IS NOT A DISPUT I ONLY WANT INFORMATION ABOUT WHY {$6600.00} OF DEBT REINSERTED ON MY CREDIT FILE AFTER BEING NOTIFIED AND REPORTING INCLUDED IN XXXX  XXXX BANKRUPTCY? I SPOKE WITH TWO SUPERVISOR ON XX/XX/XXXX ON A RECORDED LINE ( XXXX AND XXXX ) WHO HAD NO IDEA HOW THIS HAPPENED AND XXXX STATED SHE SEE A DISPUT WAS OPEN AND THAT COULD TAKE UP TO 30 DAYS TO INVESTIGATE
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Referencing claim Number XXXX First of all, your facts are misleading and your letter that was sent to a Federal Agency is  considered defamation and slanderous ... Furthermore, we have recorded calls that we have in safekeeping that specifically stated at least 6 times that MS. XXXX in your XXXX call center stated emphatically on my recorded lines that she accepts full responsibility for the XXXX.. In addition, these calls had XXXX on the phone with their representative of XXXX and Mr. XXXX XXXX XXXX, XXXX was also on the phone. 

This is a matter that you are creating by not paying what she stated and now you have basically called me a liar that is very very damaging. Do you want me to pursue not only legal damages but punitive damages? WE also have the right which we have reserved to bring this to the medias attention that I dont think you want to have a major media campaign on this. 

You have one month to respond and fix my credit and make payment good ... otherwise we will pursue this. 

This has been demonstrated to be a scam and a felony and as result of this the consumer is NOT RESPONSIBLE. In addition, I have recorded calls that how they got this bank information is an inside job. Is your money safe at PNC Bank? I dont think you want a media campaign to destroy your fine institution ...
Product: Credit card

SO THE DATE OF XXXX  I APPLIED FOR A LOAN FOR MY CAR PURCHASE. AND FOR EVERY USUAL CAR PURCHASE COUPLE OF FINANCE COMPANY RUN MY CREDIT AROUND THE DATE OF XXXX  BUT I  ALSO SAW THIS INQUIRY ON MY CREDIT HISTORY FROM CAPITAL ONE BANK AROUND THE DATE OXXXX XXXX  BUT I GIVEN THE THOUGHT THAT SOMETIMES THIS CREDIT RUNS SHOWS UP A LITTE LATE LIKE A WEEK RIGHT. I WAS NOT SUSPICIOUS ABOUT ANY FRADULENT ACTIVITY BY THEN. AND THEN, IT  ALMOST  PASSED 2 YEARS BY OVER THAT. ON HE DATES OF XXXX, I GOT ANOTHER HARD INQUIRY RELATED FROM A CREDIT CARD APPLICATION FROM CAPITAL ONE BANK. BUT BY THAT TIME I WAS IN XXXX AND I WAS NOT ABLE TO CALL XXXX NOR CAPITAL ONE BANK ASAP BECAUSE I DID NOT WANTED TO PAY EVEN MORE MONEY FOR OUT OF COUNTRY ROAMING TO MY CARRIER. THEN AS SOON AS I CAME BACK TO U.S. I CALLED THE CAPITAL ONE BANK AND TALK TO THEM ON THE PHONE AND I EVEN WENT TO A BRANCH FOR EXPLAINING ABOUT THE SITUATION. UPON MY REQUEST THEY CONFIRMED ME THAT THERE WAS NO ANY ACOUNT, CREDIT CARD NOR ANY LOAN APPROVED BY THE BANK UNDER MY NAME. I WAS RELIEF TO HEAR THAT FROM CAPITAL ONE BANK. BUT  THEN AGAIN THE DATE OF XXXX WHOMEVER THIS PERSON HAS ACCES TO MY CREDENTIALS TRIED TO APPLY CREDIT CARD AGAIN FROM CAPITAL ONE, ONE MORE TIME AND GET DENIED AGAIN. BECAUSE I HAVE HAD ALREADY CREDIT FREEZE PLACED ON  MY XXXX XXXX XXXX. I HAVE THE PERSON'S ADRESS, PHONE NUMBER, AND EMAIL ADRESS THAT HAS BEEN USED FOR THIS FRADULENT ACT IN MY HAND AND I WOULD LIKE TO SHARE WITH YOU IN CASE IF THIS PERSON TRIES AGAIN SUCH ACT.


PHONE NUMBER USED FOR CREDIT CARD APPLICATION: XXXX

ADRESSES USED FOR CREDIT CARD APPLICATION: 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: Money transfer, virtual currency, or money service

I made a test bank transfer of XXXX euro from my bank to my new coinbase account on XX/XX/XXXX, i made a mistake of entering the reference number as btc instead of my XXXX digit coinbase reference, my bank say coinbase have received the funds on XX/XX/XXXX, i assume this is why it hasnt showed in my coinbase account, i accept I made a mistake but my money has disappeared and coinbase have n't made any attempt to rectify this and wont respond to my many attempts to contact them.
Product: Credit reporting or other personal consumer reports

I notified Equifax about a collection that didn't belong to me in my report through the CFPB. Equifax responded saying no collection was found on my report and that the complaint was resolved when the collection is still clearly on my report. I have attached the screenshot of the response. This further proves that Equifax is unlawfully placing items on consumer reports knowing that the information is inaccurate, and they are also not being truthful with their investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA Section 611 ( a ) ( 7 ) I requested the Method of Verification - Detailed report of all the methods used to investigate my initial dispute on XX/XX/2019. This information was requested via certified mail on XX/XX/2019. It received by TransUnion on XX/XX/2019. According to the FCRA Section 611 ( a ) ( 7 ) this process takes and no later than 15 days. Upon speaking to a representative on XX/XX/2019 XXXX XXXX CST it was stated a dispute was initiated for the accounts listed on my document and will take 30 days. I did not request a dispute - I clearly requested the method of verification Under FCRA Section 611 ( a ) ( 7 ). Due to the clear violation of my rights and FCRA ; I demand Transunion make the following adjustments immediately per my documents. The documentation submitted to the credit bureaus has been attached to this complaint.
Product: Credit card or prepaid card

I am having a lot of issues with XXXX XXXX/ XXXX XXXX XXXX store card account. I have charges on my account that I know are not mine and XXXX XXXX will not dispute accordingly to my standards. They sent me a letter in the mail stating the process is in dispute, then three days later they stated in another letter that the dispute is now closed and that I owe more money than what is actually on my account stated. This all doesn't make sense. I informed them that I will not be paying for something that is not mine. Also they have no proof of the purchases, how is this my problem? Also they state that they will not credit my account and I owe {$2000.00} on the account when it states {$1700.00} is on my account. This is clearly a mistake. I have no other option to rid this debt on my behalf. My account is closed with them also I will not be doing business with this company ever again in my life. I was treated poorly, unfair, unprofessional. I was laughed at on the phone by 2 of the customer service people. This is a serious situation and I will not be out thousands of dollars to their stated amount that I owe, in which I do not owe a cent to XXXX XXXX
Product: Debt collection

On or about XX/XX/XXXX, I called the number listed for this account on my XXXX   credit report and I asked the collection agency to verify the debt and they could not. As an alternative they offered to settle the {$3100.00} debt for {$1200.00}. I insisted that I need to verify the debt and they promised to send me statements from the original creditor. As of this date I still have not received any written communication to verify this debt from this collection agency. I called again last Friday XX/XX/XXXX  and again was not able to get information to verify this debt.

I am in the process of purchasing my first home and this collection item is hindering/impeding my progress.

Here is the information that is showing on my 3 credit reports : You have 2 accounts in Collections Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XX/XX/XXXX {$3000.00} {$3000.00} Paramount Recovery Sys XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 those violations.