23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting to all three credit reporting agencies an unpaid debt of {$100.00} sent to collections for THE GENERAL starting in XXXX of 2023. 

I had an automobile insurance policy with the general. I went with another carrier and that ended the policy. I owe them {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.a derogatory mark on my credit report per XXXX  XXXX, XXXX Upon further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract for this accused debt at all or signature for this does not validate the debt and anybody can be sent a bill and say its mine. According to the FCRA, XXXX. XXXX  has violated my rights as a consumer and I'm requisitioning legal action to remove this account immediately. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of U.S. Code 6802 involving account number XXXX, under the label XXXX XXXX. This account, originating on XX/XX/2021, is associated with the address XXXX XXXX XXXX, XXXX, GA XXXX. 

Despite mailing a certified notice requesting my Disclosure in accordance with 15 USC 6802 ( b ), I have not received the mandated disclosures as per federal law. The law explicitly mandates that financial institutions must provide consumers with three disclosures before disclosing any non-public personal information. This is to allow consumers the opportunity to opt out of such disclosures. 

XXXX has knowingly and fraudulently withheld critical information, manipulating the situation to their benefit. This has led to unlawful reporting of my non-public personal information to non-affiliated third-party entities, against my will and rights. This situation has caused inequity for me, my family, and my household. 

I hereby invoke my specified remedy as permitted by law, which was denied by XXXX 's withholding of disclosures, pursuant to 15 USC 6802 ( b ).

Immediate action is requested to address this violation and ensure resolution.
Product: Credit reporting or other personal consumer reports

I need to report that I was a victim of fraudulent activity. In my research, I learned that to remove fraudulent items from my credit report, I must file an identity theft report with the Federal Trade Commission ( FTC ) at XXXX : XXXX. According to FCRA Section 605B, credit reporting agencies must remove items listed in such a report, reference number XXXX. Attached are the necessary documents to aid in removing the erroneous personal information and inquiries from my report. The items listed below were opened without my authorization : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -- -- -- -- -- -- -- -XXXX : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Per FCRA Section 605B ( a ), credit reporting agencies are required to remove any items identified as resulting from identity theft within four business days of receiving the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX  Acct # XXXX and XXXX  XXXX XXXX  have violated my rights 15 USC 1681 Sec 604 A Sec 2 states the consumer reporting agency can not furnish an account without written permission. Also 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting a {$500.00} loan I never used and cancelled at the XXXX XXXX XXXX before classes started. I never took any classes. This was in XX/XX/XXXX. For the past 39 years XXXX would put a claim on my Trans Union credit report, I would file dispute and it would be taken off only to reappear again 7 years later. This harassment has continued for past 39 years. Most recently I caught it when denied a loan XX/XX/XXXX when XXXX fraudulently placed the information back on my account but this time saying I had a {$4.00} per month payback agreement was over 120 days late for 18 months then " reassigned '' it. Went thru same XXXX and again XXXX said it would be removed permanently. It was removed, my credit scores went back up. Today XX/XX/XXXX, I was looking to reapply for loan only to see the derogatory information placed back on my credit report with a 77 point drop on my FICO score. This has to be illegal and at this point feel fines should be placed on XXXX for this harassment and damage to my Credit Report.
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 laws, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Bank XXXX XXXX Account XXXX XXXX CFPB COMPLAINT XXXX LONGER THAN 30 DAYS. PLEASE DELETE THIS ACCOUNT. 

THE NOTICE OF DISPUTE WAS NOT SUBMITTED WITHIN 30 DAYS WHICH IS A VIOLATION OF SECTION 623. PLEASE DELETE THIS ACCOUNT.
Product: Credit reporting

Under " POTENTIALLY NEGATIVE INFORMATION - PUBLIC RECORDS '' I discovered Equifax is showing a tax lien of {$2100.00} on my account since 2014. I wrote them XXXX indicating I have no liens on my home, and when I contacted the County they confirmed no liens. Further to that I have never paid a cent on any liens, and the house was sold XXXX this year with a title search. No other credit reporting agency has this info but Equifax. Please intervene and have them remove otherwise I will sue them, which I indicated to them earlier if they did n't fix it. 

Also under " POTENTIALLY NEGATIVE INFORMATION - NEGATIVE ACCOUNTS ''. They keep showing XXXX. I owe XXXX XXXX XXXX dollars as their account was paid in full. I paid XXXX dollars to XXXX to clear the account, and they themselves cleared the error. Of the XXXX reporting agencies -- - Equifax again shows this as negative on my report. They need to have it removed. 

I am very careful with my credit report, and understand how essential a role it plays in financial transactions. I take the time to pay my obligations on time. Equifax needs to take the time to ensure they investigate properly and not maintain error 's on individual reports, especially when asked repeatedly to remove. It appears the only way to send messages loud and clear is to use attorneys to sue so these " invincible '' monsters can be reduced back to credible institutions.
Product: Debt collection

I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit or need some more detail on this debt.
Product: Money transfer, virtual currency, or money service

I had an issue with XXXX XXXX XXXX and they closed my account that had my Zelle attached to it - I tried to retie my Zelle account to my new bank account and they locked my entire account and now I can't use Zelle at XXXX XXXX resulting in a {$30.00} wire fee every time I need to send someone money. I also can't get paid via Zelle as a result. No solid reason why my account doesn't work, no fraud. Just kneecapped from using the app because the account is attached to my phone number.
Product: Debt collection

My husband had a credit card for Cabela 's and the account was discharged in a Bankruptcy. Cabela 's sold the account to XXXX XXXX and now they are trying to collect from me for the same amount that was discharged. My husband s lawyer had contacted XXXX XXXX and they then removed it from my credit report. Now they are again trying to collect from me and are sending me notices. What do we have to do to get them to stop? This is the 2nd time I am dealing with this same issue. Please help.
Product: Credit reporting

I filed for Bankruptcy on XXXX XXXX, 2009 but changed my mind and it was dismissed on XXXX XXXX, 2009 by the courts. Equifax is the only credit reporting agency that will not remove this from my file even though it was never processed and the court sent them the Dismissal order. They intend to leave this on my report which lowers my scores for 10 years as if a Bankruptcy took place. According to the courts the dismissal order should have eliminated that. I tried speaking with a representative at Equifax to find out why they wo n't remove it and she kept saying the court sent it. I 'm trying to get my credit back on track but this is a major setback. Is there anything else I can do to get this off of my report?
Product: Money transfer, virtual currency, or money service

When attempting to create an account with Venmo, I get told I already have an account registered with a phone number Ive never had, and an email address that I havent had access to in several years. Ive provided them copies of my ID, photo of me holding my ID, my only numbers, and email. 
They claim I owe {$1500.00} dollars in failed transactions from a bank account Ive also never had. 
When attempting to get access to this fraudulent account, I get a runaround set of messages asking me to confirm my identity, etc, only for them to say I already have an account and owe money. Eventually they stop responding all together. Venmo is not allowing me to view these failed transactions from an account fraudulently registered with my name. Nor are they allowing me to dispute any of these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 4 complaints to Equifax and to have XXXX XXXX XXXX XXXX removed from my credit. I sent them a police report and a FTC document showing that the account was fraud. After 4 disputes they still have it on my report and just tell me to dispute again.
Product: Credit reporting

A dispute was submitted to Equifax on XXXX/XXXX/XXXX due to an account being inaccurately reporting on my Consumer Credit Report. Supporting documents were submitted from the data furnisher that I received to support my claim that the account was being inaccurately reported on my Consumer Credit Report. Equifax failed to investigate the matter properly in addition to disregarding the supporting evidence. A Complaint was submitted through the CFPB porthole with respect to this matter on XXXX/XXXX/XXXX # XXXX and the inaccurate account has been under investigation from XXXX/XXXX/XXXX until the present day. ( See Attachments ) A Consumer Reporting Agency 's reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. Whether the credit reporting agency must go beyond the original source depends on a number of factors, including : ( 1 ) whether the consumer has alerted the CRA that the original source may be unreliable ; ( 2 ) whether the CRA itself knows or should know that the original source is unreliable ; and ( XXXX ) the comparative costs of verifying the accuracy of the original sources versus the potential harm the inaccurate information XXXX cause the consumer. See : XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX ( XXXX ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified. I request my private right of action pursuant but not limited to 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ) and ( XXXX U.S.C. 1692g ). Account number XXXX from XXXX XXXX is reporting inaccurate. The account inaccurately reported for months has caused me to be denied credit, higher interest rates, etc.,. This is my final attempt to clear to resolve this matter privately before taking my arguments into a court of competent jurisdiction.
Product: Student loan

I applied for and was approved for a forebearance through Navient was paid for on XXXX XXXX, and on XXXX XXXX I began getting harassing phone calls and emails about a late payment because they had not correctly processed the forebearance, only taken my money.
Product: Credit reporting or other personal consumer reports

Loan was paid within 30 days. Company is affecting my credit by reporting me 30 days late. I want company to fix credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the, incorrect files on my credit report and its been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act. XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 604A. 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 proper written instructions. 

15 U.S.C 1668b. Also states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit card

JP MORGAN CHASE is discriminating me by not giving me XXXX XXXX XXXX, I have credit cards of all giant financial companies like XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX and others and Chase Bank is the only company neither they increase my limit of XXXX XXXX, nor they approve any credit card related to Chase Bank, in the past I have tried XXXX XXXX, XXXX but denied, they added in me " BLACKLISTED '' and keep telling me that I have applied card in recent past or many cards, if I have many cards, why other bank are approving me {$9000.00}, {$14000.00}, and {$5000.00}, CHASE is the only company discriminate me several times, I have legitimate evidence. I am XXXX XXXXr of XXXX and wanted to have gift card ( on approval ) bonus of {$200.00} but they keep denying me for last XXXX  years and even I have XXXX XXXX and Car Loan Payments of XXXX left Out of XXXX with XXXX XXXX and Excellent and very good credit history, but JP Morgan Chase BLACKLISTED me and pre-populated information given to all three credit bureaus, they are discriminating me, they admitted that my XXXX credit card was not paid and It was not approved on my SSN back in XXXX and they have blacklisted our XXXX, even my XXXX is not living with me. CFPB must investigate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, This debt has been settled and paid multiple times. However XXXX  XXXX  and XXXX  continues this fraudulent behavior. I have tried contacting them, along with Equifax. These were all settled in XXXX or 2015. For {$1700.00} {$2700.00} and {$2000.00} which were negotiated and paid with XXXX XXXX XXXX in XXXX XXXX. This has caused me to go homeless because of greed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank XX/XX/year> ^ Inquiry Details Inquiry Date Inquiry Type XX/XX/year> Individual XXXX Info @ XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have no relationship or knowledge of this inquiry and want it removed ___________________________________ XXXX XXXX SERVICES Bank XXXX XXXX ^ Inquiry Details Inquiry Date Inquiry Type XX/XX/year> Individual XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I have no relationship or knowledge of this inquiry and want it removed
Product: Money transfer, virtual currency, or money service

We contacted an online vendor XXXX in an attempt to purchase a puppy. Multiple days of communication both phone calls and texts with someone supposedly named XXXX XXXX living in Colorado sent us photos and videos of the puppies. They also sent contract documents via email for us to sign. After agreeing to purchase the puppy and have it flown over to us we sent {$900.00} via Zelle through our XXXX XXXX app. The next day XXXX contacted us to say they needed {$2000.00} more dollars to ship the puppy. This was never mentioned and we then knew it was a scam. No more than 12 hours had passed and we contacted the bank to file a claim. They were unable to get our money back. We thought with it being such a short window and large amount of money there would be a 24 hold or something. XXXX obviously will not return calls or texts. We then did extensive research to find the mailing address they use is not theirs and the phone number IP address is tracked back to XXXX.
Product: Checking or savings account

Im writing to file a complaint against NFCU regarding overdraft fees due to holding deposits and slowing updating accounts to show sufficient funds at the time of authorization.
Product: Vehicle loan or lease

Dear CFPB : Thanks for your previous help getting a response from GLS Lending Services. I took their response and consulted with a consumer lawyer who reviewed the information provided by XXXX XXXX. He raised the following questions : 1. The NOTICE OF OUR PLAN TO SELL PROPERTY letter dated XX/XX/year> mentions being sent VIA CERTIFIED MAIL but there is no certified mail tracking number given in the letter, nor was a copy of the certified mail stamped receipt with tracking number provided by her. My lawyer is aware the U. S. Postal Service only retains certified mail delivery records for XXXX XXXX  but a receipt confirming that the Notice was actually mailed should still be retained for recordkeeping purposes. 

2. In her letter, XXXX XXXX claims the vehicle was sold at auction. The NOTICE OF OUR PLAN TO SELL PROPERTY letter said the vehicle would be sold at a private sale. A repo auction is a public sale, while a private sale is a sale that occurs between a lender and buyer outside of an auction. My lawyer is confused as to exactly which type of transaction actually took place to dispose of the vehicle and wants to see proof. 

3. Did GLS Lending Services transfer or sell my loan to GLS Auto Receivables Issuer Trust or a similar entity and act as the loan servicer afterward? If YES then, a ) What is the full name of the entity my loan was transferred or sold to and when? 

b ) Is GLS Lending Services trying to collect the deficiency balance from me on behalf of that entity? 

My lawyer is willing to waive answers to the above questions if GLS Lending Services will immediately delete the negative account information from my credit reports. If not, I will consider retaining him to pursue this investigation to conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX, and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the Following accounts as I believe these accounts reporting in error. 

XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX Balance Owed : $ {$3000.00} XXXX XXXX XXXX Balance Owed : {$6.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following creditors/ credit reporting agencies have violated my rights. 

-- XXXX XXXX XXXX XXXX XXXXXXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXXXXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- U S DEPT OF EDXXXX # XXXX -- U S DEPT OF EDXXXX # XXXX -- US DEPT. OF EDXXXX # XXXX -XXXX XXXX XXXX XXXXXXXX # XXXX -- XXXX XXXX XXXX XXXX*** -- No Acct Name # XXXX -- No Acct Name # XXXX -- No Acct Name # XXXX -- XXXX XXXX XXXX -- XXXX XXXX # XXXX*** 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