23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXXXXXX XXXX XXXX XXXX SC XXXX Subject : Follow-Up on Disputed Debts Due to Identity Theft Request for Validation XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX ) To Whom It May Concern, I am writing to follow up on my previous disputes regarding the accounts referenced above. As I have previously informed you, these accounts were opened as a result of identity theft. I have reported the incident to the appropriate authorities, including, Federal Trade Commission, XXXX, XXXX and XXXX. I have also taken the necessary steps to secure my identity. 
Despite this, I have recently received statements from your office as a form of debt validation. Under the FDCPA, you are required to provide a full validation of the debt, not just a statement from the original creditor. Until you can provide the appropriate documentation, I ask that you cease all collection activities related to this alleged debt. Furthermore, I request that you refrain from reporting these debts to any credit bureaus until this matter is fully validated. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide verification of these debts, including but not limited to the following : 1. The amount of the debt and a breakdown of any charges or fees applied to the balance.

2. The name of the original creditor.

3. Proof that I am legally obligated to pay this debt, including any documents or agreements signed by me.

4. Verification that this debt is not the result of identity theft, including supporting documentation or proof of how this account was opened and who authorized the charges.

5. A statement confirming that the account has been flagged as fraudulent in your records, and that collection efforts will cease until the matter is fully resolved.

Please be aware that until I receive proper validation of these debts, I consider it disputed. I request that you cease all collection activities, including reporting this debt to the credit bureaus, until you can provide the requested documentation to prove the legitimacy of the said debts. If you are unable to provide the necessary verification, I expect the two accounts be deleted from my credit file.

I expect a response within 30 days, as required by law. If you fail to provide the requested documentation, I will take appropriate steps to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my states Attorney General. I will also consider taking legal action to ensure that my rights under the Fair Debt Collection Practices Act are upheld. 
Please respond in writing to the address above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I have been trying to get Transunion and XXXX XXXX to resolve this clear billing error violation on my credit report. I am being flat out ignored and i don't understand how TransUnion could be a XXXX  XXXX dollar company and still take advantage of Americans. How can they just put inaccurate late payments on my credit report, severely hurt my credit, and then ignore when i show them that it is not accurate. The fair credit and reporting act clearly states that they can only report accurate information. Well the late payments back in XXXX and XXXX are 100 % false. If they were doing their job correctly they would know this. How do i get a late payment on a product that i completely paid off?
Product: Credit card

[ XXXX XXXX XXXX ] XXXX EST XXXX XXXX XXXX Ohio XXXX [ XXXX ] [ XXXX ] [ XXXX ] Subject : Dispute of Unauthorized Hard Inquiry Identity Theft To Whom It May Concern, I am writing to formally dispute a hard inquiry on my credit report that I did not authorize. I believe this inquiry is a result of identity theft and request its immediate removal from my credit report. 

Details of the Disputed Inquiry : Creditor Name : XXXX XXXX XXXXXXXX ] Date of Inquiry : [ XXXX ] I did not authorize this inquiry, nor did I initiate any application that would justify it. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into this matter and the removal of this unauthorized inquiry from my Please confirm receipt of this dispute and provide a written response regarding the outcome of your investigation. I appreciate your prompt attention to this serious matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

On XX/XX/XXXX, right before XXXX day weekend, I received my social security check. While paying my normal bills I noticed a couple of charges I did not make. I phoned customer service about it and ask about these charges. As I soon as a said the word fraudulent the customer service agent shut my account down with out my knowledge. At that point I went ballistic. Then transferred to a supervisor. The XXXX thinks A virtual credit/debit card is o.k. Well its XXXX day weekend and I have no cash. No laundry money, running out of meds and no cash. After contacting them again they said contact the companies and use the virtual card. I did this and called the company that made the withdraw. they were very accommodating and would return the funds plus some I missed. They tried the original card and the virtual card but nothing. I called the great and glorious mobile vibe. I called the companies back again and they responded they had tried a few times and that they could not return the funds. Again ; I called customer service which started quoting policy and tried to spin it back on me try to make my fault because some XXXX arbitrarily canceled my card. If I had been given a half hour I would have been able to draw cash out. I've repeated and repeated this situation at to " customer service '' at least ten times in the past five days from the XXXX to The Present. to this day : no card, no restitution, and it looks like I'm out $ XXXX is definitely public shaming time for you and colleges. Oh, by the way, I cant believe you charged me XXXX dollars.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a business credit card which is included in company 's XXXX XXXXXXXX. The account holder is XXXXXXXX XXXX XXXX XXXX XXXX  However, XXXX is still trying to collect and harm my personal credit. 

XXXX has a claim under my XXXX XXXX. Under Bankruptcy law, this is clear harassment by XXXX and Equifax. XXXX can't collect from the business and me personally. This debt is a business only debt. 

Please remove it from my credit report and place on my commercial credit file as XXXX  XXXX. 

I demand an end to the harassment by equifax and XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I file a complain with cfpb in response to Bank of America inquire, I was contact by Ms XXXX XXXX the Regulatory Complaint Department She need to Verify to see if i was the one who submitted the complaint, I also tried to contact her to let her know that i was the one who contact and submit the complaint by i lift her a vice also to point this out, On XX/XX/XXXX came i got an email stating that it need Authorization from me which they dont have or was provided with so today i am resubmitting this complaint letting both parties that I the consumer is resubmitting it and if you need any other please reach out to me and also let the person who is responsible point of contact for bank of america be reachable for the consumer during busing hours and please returned my calls even when i an unavailable sometime during the day hours, I hereby state again that the consumer is resubmitting this inquire not a Third Party as was stated in the first Response I Received Back from CFPB. 

ON XX/XX/XXXX I ANSWERED TO A XXXX AD THAT WAS ADVERTISING FOR WORK. A MALE NAME XXXX ANSWERED ME AND STATED THE FOLLOWING TO ME, I WORK WITH XXXX XXXX XXXX. WITHIN THE LAST YEAR A PRIVATE MONEY ORDER COMPANY HAS BEEN TRYING TO TEST AND IMPROVE THEIR MONEY ORDERS. THE OVERALL GOAL IS FOR THE MONEY ORDERS TO CLEAR WITHIN HOURS INSTEAD OF DAYS. EVERY TIME I HELP TO TEST THEIR MONEY ORDERS, XXXX GET PAID. XXXX FURTHER STATED THAT ALL I HAD TO DO IS WITHDRAW WHAT I DEPOSIT AND ASKED WHAT BANK I WAS WITH AND WOULD I BE WILLING TO OPEN AN ACCOUNT FOR IT WITH XXXX XXXX AND THEY WOULD PAY THE OPENING FEES AND AND THAT I CAN EARN {$1000.00} PER WEEK. I STATED THAT I WILL GAVE XXXX THE BANK INFORMATION AND MY HOME ADDRESS AND FOR IT TO BE DEPOSITED. XXXX TOLD ME TO MAKE SURE I GOT A MOBILE BANKING ACCOUNT TOO AND THEN ASKED FOR THE ACCOUNT NUMBER AND ALL MY PERSONAL INFORMATION. ON XX/XX/XXXX I OPEN ON ACCOUNT AT ONE OF YOUR BANK OF AMERICA LOCATION IN XXXX MA FOR A BUSINESS RELATED MATTER, ONE WEEK LATER I ORDERS THIS ACCOUNT TO BE CLOSED DUE TO THE FACT THAT THIS ACCOUNT TURN OUT TO BE FRAUD/SCAM RELATED, BACK IN XX/XX/XXXXI TRUED TO OPEN AN ACCOUNT WITH XXXX XXXX AND WAS REFEREED TO XXXX XXXX CONSUMER AGENCY FOR MORE INFORMATION, ON XX/XX/XXXX, I REQUESTED A COPY OF MY CONSUMER RESORT FROM XXXX XXXX AND IT WAS EMAILED BACK TO ME ON XX/XX/XXXX. ONCE I CAREFUL LOOK THROUGH MY REPORT I SAW THAT BANK OF AMERICA OUTLINE AT THE TOP OF IT ( Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner ) I BELIEVED THAT THIS NOTE ON ME ON FILE IS REPORTED UNFAIR AND UNACCEPTABLE FOR THE RECORD OF ME AND I NEED IT TO BE REMOVED AS SOON AS POSSIBLE THAT FACT THAT SOMEONE USED MY ACCOUNT INFORMATION TO DEPOSIT FAKE CHECKS TO THAT ACCOUNT AND I REPORTED IT TO THE BRANCH SHOWS THIS IS AN TOTALLY UNFAIR ACTION. PLEASE RE-INVESTIGATE AND REMOVE THIS NOTE FROM MY CREDIT HISTORY WITHIN 30 DAYS OF GETTING THIS DISPUTE NOTICE.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. I am a victim of Identity Theft. I have noticed multiple accounts being reported to my credit that I didn't open or even had an idea existed. I have argued with Experian customer service reps and they always give me the runaround. They try any reason to not remove said accounts. I have attached a PDF with the latest communication I sent to experian. I will also be including screenshots of one account as an example of how experian is reporting inconsistencies and therefore breaking the fair credit report act. They find any reason to deny my claims, I have spoken to XXXX XXXX ( one of the creditors ) and all the information that they find " verified '' does not match any of my information on ANY credit report. The Identity Theft got so bad that I am facing an eviction and these accounts are stopping me from getting a loan out. I have over 20 positive accounts to my credit report besides these four. Also, please have them disclose the methods and the representative that helped them verify the accounts as " accurate ''. I am reporting them to you and the Consumer Financial Protection Bureau but I need proof of their verification methods because my next step is small claims court. Thank you so much.
Product: Student loan

In early XX/XX/XXXX I reached out to Navient about two 90 day late items that were on my credit for XX/XX/XXXX, from my Federal loans ( XXXX ) and ( XXXX ). The issue was that, these loans were supposed to be in forebearance/deferred ... as during XX/XX/XXXX I was accepted into another program at another university ( XXXX ). After explaining this, the representative on the phone advised me to resolve the issue I should send a letter and any other documentation I had to Navient 's credit department. On XX/XX/XXXX I sent a certified later via USPS that included the reason why the late payments were an error along with supporting documentation which included the emails I was receiving from Navient that updated me on my loans. I did not hear back from Navient, so today XX/XX/XXXX I called Navient only to find out that they still have not removed the late items from my credit and while they see the evidence I was being misled with their communications ... they are still deeming the late items valid. This to me is a gross violation of my consumer rights as ; 1. I was misled the entire time by Navient, whose communication and reps basically told me that I was in grace/forebearance. 2. I was not given adequate notice which is one of my consumer rights under FCRA ; to make arrangements to prevent my accounts to be delinquent, as Navient basically put a 90 day late on my credit reporting with giving me a 30 day notice. This has huge significance as I have been denied credit in the form of a mortgage and credit cards over the past months ... and lenders are citing the 90 day late as a adverse reason, which compared to a 30 day late would not have the same ramifications.
Product: Credit card or prepaid card

Did not receive the terms which were advertised. In 2011, Citibank credit card changed my interest rate service times. I was a Citi XXXX  XXXX MasterCard holder. Citibank did not accurate stick to their own policy. They denied working with me in order to settle the matter, I strongly disagree with the denial. I don't believe the company performed due diligence or even reviewed the appropriate policy terms when evaluating my claim.The credit card was offered to young college students at the location sandwich shop, by applying for the Citibank credit card the students received a free sub-sandwich. Account was garnished and ended up paying over 6,000 in settlement. When the original balance on the card was only XXXX dollars. Citibank told advantage of young college students by discriminating and unfairly targeting students. I recieved no notification of the court order nor was I allowed a chance to plead my case in front of a judge.
Product: Credit reporting or other personal consumer reports

Received an email from XXXX XXXX that I had a new hard inquiry. I checked and it said that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX a hard inquiry on XX/XX/25. I do not recognize this check nor do I have any idea what it is for. I am located in NC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  XXXX  ' MY NAME AND PREVIOUS ADDRESSES HAVE ERRORS, WRONG PREVIOUS ADDRESSES NOT FACTUAL
Product: Credit reporting or other personal consumer reports

I am filing complaint against Equifax as part of the court case brought against them by CFPB. Old information reappearing after I had it removed. allowed previously deleted inaccuracies to be reinserted into credit reports with disputes.
Product: Debt collection

As of XX/XX/2020, I have sent monthly letters to NAVY FEDERAL CREDIT UNION asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that NAVY FEDERAL CREDIT UNION to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS
Product: Vehicle loan or lease

Ive been trying to apply for apartments and XXXX constantly getting denied, got a copy of my credit report and noticed that there were multiple accounts open that I had no known knowledge of.
Product: Credit reporting, credit repair services, 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. 
XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX XXXX XXXX Bank : # XXXX, XXXX XXXX XXXX : # XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX & XXXX : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has violated my rights.

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

I have a delinquent account that has shown up in my credit report from XXXX of XXXX and XXXX of XXXX that's from different recovery companies but the same original company that I have know idea when I used there services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a call from a company named financial Assistance which is a debt collection agency telling me that I owed {$480.00} from a checking account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I've never had an account with XXXX XXXX XXXX so this information was immediately alarming upon hearing. I was given the website : " reportfraud.ftc.gov '' by the collection agency so I could report the account as fraud. I have disputed this account with XXXX. And will be disputing this with XXXX, and XXXX. I do recall the locking mailboxes at my apartment complex being broken into several times back in XXXX of 2022 and a lot of mail was stolen, some containing financial documents of mine i believe, I'm sure it was used in connection to the identity theft. My question is do I go paperless with documents from here forward and how safe is that anyway. I'll be calling XXXX to open a policy I guess because I don't know what to do anymore. Seems like these cyber criminals have outsmarted the system in every way nowadays. Hope you guys figure out how to catch em soon. Thank you and good luck.
Product: Debt collection

XXXX XXXX XXXX IS NOT MY ACCOUNT ACCOUNT NUMBER XXXX THEY ALREADY DELETED OFF XXXX   AND XXXX. IM JUST WAITING FOR XXXX
Product: Checking or savings account

On XX/XX/2021, I applied for an online checking account at PNC with a {$200.00} cash offer to open the checking account. After I filled out the information and submitted the application, I received a notice that my application for a checking account was denied. I received a notice that PNC would not open a checking account because of information from XXXX XXXXXX/XX/XXXX I attached the notice to this complaint. 

On XX/XX/2021, I contacted XXXX XXXX XXXX to find out what is going on. They wouldn't give me the information over the phone. They claimed that it would take several days to send me the report. I requested for the report. They emailed me a Deposit Score that I attached to this complaint. XXXX XXXX XX/XX/XXXX could not help me fix the problem. 

On XX/XX/2021, I called PNC Bank to find out if I could get someone to help me open the checking account or a least find out the reason my account was denied. However, everyone I talked to did not seem know what to do. They all sent me to different people and no one was able to help me. After talking to a few different people, I was sent to another department that was not able to help me and my call was ended. 

I do not understand why I was denied a checking account. I have not committed any fraudulent activity. I work for the U.S. Attorneys Office in the Department of Justice. I received an extensive background check for a security clearance. I would lose my job if I committed any kind of fraud. I have not over drafted any of my bank accounts. I have checking accounts with XXXX XX/XX/XXXX XXXX XXXX and XXXX XX/XX/XXXX. Applying for a checking account has never been an issue and this is the first time I was denied.
Product: Debt collection

reference to case number XXXX, In response to my complaint response XXXX and pate nude and Felix. They said that they try to contact me on several occasion since 2009 and working on my behalf that is not true I never heard anything from the above debt collectors/ attorny till XXXX XXXX when they produced a judgment against me to XXXX XXXX and allegedly took XXXX I have never signed any agreement with any of the above debt collectors or attorney. therefore I do not owe them a dime because they are third party
Product: Credit reporting, credit repair services, or other personal consumer reports

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX, XXXX XXXXE,
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and concern about the repeated efforts I have made to remove fraudulent items from my credit report. Despite my persistent attempts, these inaccuracies persist and continue to harm my financial standing. I am writing this letter to bring this issue to your attention and request an immediate resolution.

I understand the critical importance of accurate credit reporting and how it affects my ability to access financial services and opportunities. The presence of these fraudulent items on my credit report has caused significant financial harm, including higher interest rates and difficulties in obtaining credit.

I respectfully request that your bureau takes immediate and comprehensive action to investigate and remove the fraudulent items listed above from my credit report. Furthermore, I insist on receiving a written explanation detailing the steps taken to rectify these inaccuracies, along with a timeline for their removal. Clarity in this process is essential for me to understand when the issue will be resolved.

If these fraudulent items persist on my credit report without corrective action, I may have no choice but to explore legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Kindly assist me to removed these following fraudulent items : XXXXXX/XX/2023 XXXX XX/XX/2023XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AR 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 violates 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 Transaction act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.