23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEP BY SILENCE, ENGLEHARDT V GRAVENS ( MO ) 281 SE 715, 719, I PRESUME THAT NO PROOF OF THE ALLGED DEBT NOR THEREFORE ANY SUCH DEBT IS MINE, THESE ACCOUNTS ARE FRAUDULENT AND NEEDS TO BE REMOVED ASAP FROM MY FILE.
Product: Credit reporting or other personal consumer reports

Name Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dismanting Addresses Inconect XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Unauthorized Inquiry XXXX  Date of Inquiry : XXXX XXXX, XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry. 
XXXX XXXX Date of Inquiry : XXXX XXXX Unauthorized Inquiry CC XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Unauthorized XXXX  XXXX Date of Inquiry : XXXX XXXX Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed all. 
XXXX ACCOUNT NUMBER:XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX  XXXX XXXX XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX XXXXXXXX XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX  XXXX XXXX XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME THIS ACCOUNT NEEDS TO TO BE VALIDATED XXXX XXXX  ACCOUNT XXXX THIS ACCOUNT NEEDS TO TO BE VALIDATED XXXX ACCOUNT XXXX
Product: Checking or savings account

I received a bad check from someone who scammed me with a job offer on XXXX XXXX, and I immediately notified my bank ( Truist ) and gave them all necessary information about the situation. In the following week the only way I received updates was by going down to the branch during my work and lunch hours as my life fell apart around me from not being able to access the money in my bank account, or even use my bank account/make a new one to pay bills. I was notified in person when the clerk spoke to them on the phone, that they were closing my account. After being told that there was nothing anyone could do and I would need to wait for an email or a letter in the mail, I never received any correspondence from them. I called again today and was told they were supposed to send the letter out, and that I now needed to pay money to have my funds in my savings account released. I have not received any letter and I have no idea how an account thats set up to automatically transfer money from my savings account if overdraft could be negative. I have also not received any written correspondence of any of the things that have happened with my account. This is my first ever bank account and experience dealing with fraud and it has been an extremely traumatic and stressful 3 weeks. I was not helped or supported in anyway and have been treated like a criminal since the beginning. Its already hard to deal with feeling naive enough to fall for a scam, but having your bank treat you like scum of the earth because of it is even worse and a lot harder to get over financially as well as emotionally.
Product: Debt collection

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account AWA COLLECTIONS ( Account XXXX, Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX. Balance {$1500.00}. I have never had an account with none of these companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX and I do not have any contract with AWA COLLECTIONS. I have attached my Identification and FTC report. On XX/XX/XXXX I sent out a letter to AWA COLLECTIONS stating the followingI am wrong to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX, regarding a purported overdue balance of {$1500.00} allegedly owed to XXXX XXXX XXXX. This account is fraudulent and does not belong to me, I have attached an FTC report along with this document. I am requesting the following 1.Immediate Cease of reporting this alleged debt to any Credit Reporting Agency 2.A formal apology from AWA COLLECTIONS for the violation of my rights under the FDCPA. 3.Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. 4.Reimbursement of any legal fees incurred in addressing this matter. 
( Please see attachments )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXXBalance : {$1000.00} XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance : {$220.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX
Product: Checking or savings account

A checking account was opened without my knowledge or consent using my name, XXXX, and address in late XXXX. I was notified of the fraudulent account and called Bank of America right away to inform them that I did not request or want a checking account with them and was told that they opened up a fraud ticket and provided me with a claim number. I followed their instructions for contacting XXXX XXXX, XXXX, and other creditors and even called my local police department to open an investigation at the urging of Bank of America. Following their process I filled out paperwork, took myself and my ID ( photo ) and my passport and social security card to the local Bank branch and they faxed it into their fraud department. Since then I have gotten a debit card, and bank statements sent to my home for the account that I asked to be closed 2 months ago. I am starting to feel this is some sort of internal fraud within Bank of America itself. Similar to XXXX XXXX XXXX XXXX  XXXX I am looking to have this account closed once and for all. I have had to jump through so many hoops to prove I am me to close an account that never should have been open! Why was all this ID/passports/SS cards required to open the account?? Further every time I try and call the Fraud department they never answer the phone and the automated system hangs up on me. I have also tried calling other departments and they can't assist as the Fraud department has put some sort of marker on the account preventing its closure!! This is bad business and fraud on all level. Please HELP.
Product: Debt collection

On XX/XX/XXXX i sent a Cease & Desist letter to Midland Credit Management by certified mail recept # XXXX. XXXX tracking shows letter delivered on XX/XX/XXXX. 

In XX/XX/XXXX at XXXX a collection call from Midland Credit Management with voice mail.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$510.00} 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
Product: Credit card or prepaid card

I need to pay my credit card but Comenity banks website is down so I can't login or pay off my card. They shut down their phone lines/ services so when you try to call, there's no one there. The website has been down since XX/XX/XXXX. I'm worried that by not being able to login and pay that my bill will go up and my credit score will go down
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX  ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$240.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX : {$420.00}.
Product: Debt collection

XXXX XXXX XXXX is the debt collection company that an account from Capital One was sold to after Capital One refused to work with me, and REFUSED payment. 

Instead of arguing back and forth with XXXX XXXX XXXX I reluctantly set up a payment plan with this debt collection agency and was willing to pay them off. However, I asked for a letterhead of the payment plan via email, and they chose to ignore the option of putting it on a letterhead. They were advised to get me a letter on letterhead, and if not then the could close the debt and remove the NEGATIVE remark from my Credit Report. 

They never responded! I now go in to make the payment as agreed, and the account is no longer there, so I am assuming that they have closed this account as settled since the account is not able to be found. Due to this matter, CAPITAL ONE and XXXX XXXX XXXX need to remove their derogatory remarks from my credit report. Also, due to they have now seemed to refuse to settle the account when they were asked for a settlement and they said no and I chose to pay the debt in full in payment plans, they now have refused the payment due to closing the account. Therefore, the debt is no longer valid, and no longer worth dealing with. So, this company has made it clear that they believed I was a third party and told me that I was not responsible for the debt. I have emails to verify this, and therefore this DEROGATORY remark from this company needs to be removed from my credit report.
Product: Debt collection

XXXX XXXX reached out to my daughter about not being able to reach me and advised my daughter about the situation. I have no voicemails from XXXX XXXX or anyone else from this company. I thought this was not legal? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Midland Credit management
Product: Credit reporting or other personal consumer reports

This letter mailed Certified Dispute Under 15 U.S.C. 5 i.681i ( a ) ( 5 ) and 15 U.S.C . 5 1581i ( 7 ) - Requesr for Deletion or Correction of Information XXXX XXXX XXXX P. O. XXXX XXXX XXXX, New f ersey XXXX SSN : XXXX Equifax Dispute Department XXXX XXXX XXXX XXXX, XXXX XX/XX/year> XXXX : Dispute Under 15 U.S.C. S 1681i [ a ) [ 5 ) and 15 U.S.C. S 1681i ( 7 ) - Request for Deletion or Correction of Information Dear Equifax Dispute Department, I am following up on my initial dispute filed on XXXX, with a response from Equifax dated XXXX that contains continued inaccuracies. There appear to be clear violations regarding the Failure to Respond or Verify in a timely manner as mandated by the FCRA. Under 15 USC 1681i ( 7 ), I request that Equifax provides the method used to obtain these responses and verifies the accuracy of the additional information provided.

Per L5 U.S.C. S 1681i [ a ) [ 5 ), if the creditor or CRA can not verify the disputed information within the specified timeframe, the agency must delete or correct the information. As per my rights under the FCRA, I request that any unsubstantiated or unverifiable information be promptly deleted. 
o Trade : XXXX XXXX XXXX XXXX XXXX XXXX creditor told us that the reported status is correct. We updated the payment history on this account. 
o XXXX : XXXX XXXX - XXXX creditor on this account is currently reporting a {$0.00} balance. We received more information on this item, We updated the payment history on this account. The creditor told us that the reported status is correct ' o XXXX : XXXX XXXX  - The creditor told us that the reported status is correct. 
The creditor told us that the reported pay history is correct. The creditor told us that the reported balance is correct. 
Please provide documentation and recent responses from each of the above creditors and collection agencies, indicating the specific methods and records used to verify the accuracy of these accounts on my credit report. I am entitled to a thorough reinvestigation, and any response that includes only an updated payment history should be deleted as insufficient. 
According to 15 U.S.C. $ 1681n and S 16810, non-compliance may result in statutory damages, actual damages, attorney 's fees, and punitive damages for willful or negligent violations. I expect a complete and accurate response within 15 days. If Equifax fails to meet these obligations, I may pursue all available legal remedies under the FCRA.

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

I reached out to you all in XXXX about accounts on my credit that is not mine. This has really become frustrating all Im trying to do is help my mom and this is has become like a stick in the road. Can you please take these accounts from my credit and I will look at other options. 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 , DPT ED/XXXX XXXX, US DEP ED. I contact the FTC and local police.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have noted that the aforementioned medical collections account, related to services rendered on XX/XX/2023, in the amount of {$1000.00}, and additional charges of {$930.00} has been reported despite the fact that it does not meet the criteria for permissible reporting under the No Surprises Act. 

On XXXX XXXX I was notified but Experian that this account was verified as reporting accurately even after reporting that this creditor was in violation of the No Surprises Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company  must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX. XXXX and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : [ Report Number ] ) to support my identity theft claim. Under XXXX XXXX. XXXX, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
The following information on my credit report is the result of identity theft and should be blocked : Collections and Charge-off Accounts : ACCOUNT NUMBER AND FRAUDULENT INQUIRIES : DATE OPENED XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$620.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$590.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX o Account XXXX. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX o Account XXXX. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$460.00} o Status : Derogatory ( Charge-off ) Fraudulent Inquiries : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX required by XXXX XXXX XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point I may  request an extension of the block. During the block, you may not report that my report no longer contains any fraudulent information. I have called the bureau several times reporting these fraudulent accounts on my report, and XXXX has not wanted to give me a solution to this problem, which has severely affected my ability to acquire a new house for my children. These collections were removed and not verified by other XXXX. I do not understand how you can say that these accounts are mine, so I demand that you send me all the documentation proving that this information is accurate. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them.
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 process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seen appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX  permission which is another violation. 

TILA XXXX XXXX XXXX protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX 

XXXX XXXX states that any debt collector is not to state that such consumer owes any debt, I have a letter from XXXX XXXX stating that owe a debt to them. 

My complaint is also with three bureaus TransUnion, XXXX and XXXX who are allowing XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681. 

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give TransUnion, XXXX, or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting these addresses on my credit reports but they dont belong to me.I reached out to each credit agency, equifax, XXXX  and XXXX  to have them removed but they are still showing. 


XXXX XXXX XXXX XXXX, MD XXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I had reached out to Experian with my XXXX XXXX at XXXX XXXX XXXX, and was able to speak to a supervisor. The issue we were having is that my credit score wasn't available from Experian when we did a credit check for a mortgage. It was available from XXXX  and XXXX. This is a problem because it isn't reporting for any Banks or Mortgage Companies. The XXXX XXXX also reached out to the company they use to do the credit pulls. It was confirmed with Experian I DO NOT HAVE A CREDIT FREEZE OR BLOCK on my credit report. The response I received from the supervisor was " Oh well, it's not on our end and she hung up '' and I can't seem to escalate because it is on their end. My credit isn't reporting for not just one bank but 3! Please Help me. I CAN NOT get a mortgage if Experian isn't providing the Banks or Mortgage Companies with a credit score!