23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX First National Bank of Omaha XXXX XXXX is fraudently reporting incorrect information on all 3 of my credit reports. Secondly, XXXX XXXX XXXXXXXX sent me to court for this debt and in court it was agreed to a settlement offer of XXXX, on which I had already paid XXXX dollars. Well, upon me paying XXXX plus the XXXX dollars I had already paid, that left me with a balance of XXXX. I reached out to XXXXXXXX XXXX XXXXXXXX, as well as XXXX XXXX to finalize the debt of XXXX dollars, and both companies refused the money. It was refused because they kept insisting that I owed XXXX more dollars, and I knew I did not. That was not the agreement in court and XXXX XXXX and XXXX XXXX XXXX are trying to strong arm people into paying something totally different. I tried to resolve it, but greed is wh at has us here today. I am not paying another dime for an account that not only First national bank of Omaha closed, but the judge gave a direct order as to how much should be paid. XXXX is a long way from XXXX dollars. I'm also disputing this account because the date opened was XX/XX/XXXX and not XX/XX/XXXX. The date reported XXXX XX/XX/XXXX is also not correct. XXXX XXXX and its entities, are practicing and reporting fraudulent information on my credit reports. Not only is the date opened wrong, but their is no balance. I really would like to know why an account opened in XXXX, is still reporting every month on my credit report as up to date. 
At this point, since absolute resolutions refused payment to resolve this account when I offered, I owe you NOTHING. I have paid all I'm going to pay, this account is too old and XXXX XXXX is still reporting it incorrectly after Ive sent documents and disputed this account. I'm asking that this account be deleted from my credit reports for unfair practices from XXXX XXXX XXXX XXXX XXXX  and first national bank of Omaha.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is an obligation of the Consumer Reporting agencies -EQUIFAX-by the FCRA to report accurate accounting, consumer has advised ALL the inquiries and late reported was indeed fraud, XXXX XXXXXXXX had four- ( 4 ) days according to LAW to remove such items. 

FTC fraud report was filed on behalf of consumer-consumer is now requesting EQUIFAX to provide the full documentation used to determine inquiry indeed authorized by the consumer and late for XXXX, XXXX XXXX XXXX of 2018, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, Consumer is NOT asking for an e-Oscar report. If EQUIFAX does not have this documentation to show these were in fact authorized it must be removed ASAP. Said company is liable under the SEC to abide by certain rules. EQUIFAX Commission file number 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 I will be filing form 211 Treasury OMB Forms to audit consumers account. EQUIFAX is securitizing consumers data yet refused to provide consumer a copy of their CONSUMER FILE NOT -CONSUMER REPORT. This has cost me severe pain and suffering- To add insult to injury my credit was FROZEN!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent and call both XXXX XXXX, XXXX, and Equifax regarding TWO unauthorized charges on my reports for XX/XX/XXXX and XX/XX/XXXX. Both of which was not authorized by me. I sent faxes to Equifax and XXXX requesting an investigation XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. I sent faxes to both of these bureaus continuously as these charges were not authorized. And they are still appearing on my credit report and findings have been provided to me.
Product: Credit reporting or other personal consumer reports

Someone created a fraudulent account with XXXX in my name and withdrew a XXXX XXXX XXXX from my banking account tied to my actual XXXX account thus I reported the fraud and XXXX closed my account. I didnt have a way to keep making the auto payments or manually make them and when I would call, each person I spoke with couldnt figure out was going on and multiple customer service folks said the account was closed and i didnt owe a payment. But then they came back and said i had a late payment. I had a handful of calls AND handful of written comms with them trying to sort out the issue. Because the COMPANY kept saying on multiple occasions the account was closed and payment wasnt needed. Time lapsed resulting in a late payment that I was trying to pay/ sort out on time. They did not acknowledge their part in this and refused to accept my dispute and even though I have records otherwise and I was never late to pay entire or after the one issue which was related to fraud because of XXXX  poor systems, controls and transaction monitoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report and its been well over XXXX days and I havent received any investigation results.
Product: Mortgage

The XXXX XXXX had management run off with the money and when new management came in they had us behind on our rent and they said that i owe XXXX but i really don't and the old company never ever gave us receipts like they said they where they just told us not to worry about it and then it pops up on my credit report and im trying to purchase a house as we speakes
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act has violated several of my rights. 

XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX of XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S.C 1681 section 602 states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

FIRST FEDERAL CREDIT CONTRO L, INC.     XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX  OHIO  XXXX  ACCT. #  XXXX  FOR {$240.00} * Is attempting to collect on a debt reported as fraud to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX .   The insurance company is investigating this as fraud due to improper billing paid by the insurance firm. Also, advised never to go back to this  XXXX   XXXX ,  XXXX .    * T his is Disputed as  Fraud.
Product: Checking or savings account

Suntrust and BB & T merged and have virtually no customer service or way to reach a live human being to find out where the debit cards are they supposedly mailed out a month ago. No one calls back or responds to emails or attends the scheduled appointment for a callback. The number they keep giving is a never ending hold. When the branch is contacted directly it flows to voice mail and they never call back.
Product: Money transfer, virtual currency, or money service

I tried to transfer XXXX XXXX to my chime account and they lock my account because they say it doesnt follow terms. I used my own bank in my name and they keep harassing me to verify my info to upload documents when clearly I already have.
Product: Debt collection

XX/XX/XXXX This complaint addresses several outstanding problems by Portfolio Recovery Services. 
1. Improper continued contact in violation of the FRCPA after Portfolio acknowledge a debt dispute letter on XXXX XXXX instructing Portfolio to cease making telephone contact. 
2. Re-aging of debt on a credit bureau report 3. Incorrect credit bureau reporting showing this disputed collection and is 60 days past due when no contract or agreement has been entered into to make payment on the disputed debt **Portfolio Recovery Services has XXXX matched complaints out of XXXX total complaints with the Consumer Financial Protection Bureau . 

This complaint concerns a credit card debt disputed with XXXX XXXX. XXXX XXXX has sold this debt to, currently, three separate collection agencies. Portfolio Recovery Services is the latest of these three agencies. This is a disputed debt. 

On XX/XX/XXXX, a certified USPS letter was sent to Portfolio Recovery Services disputing the debt and instructing Portfolio not to make further phone contact ( see exhibit 1, debt validation request dated XXXX XX/XX/XXXX ). This letter contains the exact phrase, " THAT YOU CEASE FURTHER TELEPHONIC CONTACT '' on the first page in BOLD letters! 

On XXXX XX/XX/XXXX, Portfolio responded by USPS acknowledging they had received a recent communication concerning my Debt Validation Request made pursuant the FDCPA, This is provided as EXHIBIT 2. 

Yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ) Portfolio Recovery Services made phone contact with me. On XX/XX/XXXX, I instructed the service rep at Portfolio they had received a request to stop calling me. Their response was you need to act like and adult and discuss this like grownups do. 

On XX/XX/XXXX, I received another call and again, instructed the service rep that they are not to call me. The rep asked me to PROVE I sent a debt validation dispute with the instruction " THAT YOU [ sic Portfolo ] CEASE FURTHER TELEPHONIC CONTACT. 

Both of these calls are in direct violation of the FDCPA where a collection agency has been explicitly instructed not to make contact acknowledges the letter not to make contact then continues to repeatedly make contact. 

Portfolio recovery Services is also falsely providing derogatory information to the three credit bureaus. Portfolio in addition to listing a disputed debt, has filed additional derogatory information in the form of representing payments to Portfolio are 60 days late. 

Portfolio has also re-aged the debt which was opened on XX/XX/XXXX and which became delinquent on XX/XX/XXXX and was charged off by XXXX XXXX on XX/XX/XXXX. Portfolio has re-aged the debt to reflect XX/XX/XXXX. 

Portfolio Recovery Services is a debt collection agency that is a repeat serial offender, having more than XXXX matched complaints out of XXXX total complaints with the Consumer Financial Protection Bureau. This agency has repeatedly abused citizens nationwide and continues to without repercussions of the Harm and damage to people 's character and credit.
Product: Credit card or prepaid card

Company called Flex shopper is constantly charging my credit card unauthorized charges and I keep having to call my bank to dispute. Their reason is that my account is past due. I make payments and did not authorize this company to take payments off of my card automatically. I also requested my card be deleted from their files. I was advised my card information was deleted but this was not factual.
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISCLAIMER : IM NOT A CREDIT REPAIRING AGENCY ITS ME XXXX XXXX. ). These collections are violating my consumer laws and its having a tremendous effect on me due to it violation my consumer laws and reporting inaccurate information on all 3 credit bureaus. Under FCRA law, credit bureaus are supposed to report information 100 % accurate on all 3 bureaus or it must be deleted. I ask for deletions of these accounts due to the credit bureaus not following consumer law. If not I ask for {$1000.00} per violation as it states in my consumer law. These accounts are : XXXX XXXX investments ( XXXX : XXXX ) * reporting on XXXX report ( delete immediately or {$1000.00} per violation ) XXXX XXXX XXXX ( XXXX : XXXX ). 
Reporting inaccurate delete or {$1000.00} per violation XXXX  XXXX ( XXXX ) *reporting on XXXX report and its reporting incorrect information on both reports ( Delete immediately or {$1000.00} per violation ) XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) *is reporting wrong date ( remove immediately ) or {$1000.00} per violation XXXX XXXX ( XXXX XXXX XXXXDate open is reporting incorrect ( Delete immediately ) or {$1000.00} per violation XXXX  ( XXXX ) * Reporting on one report ( delete immediately ) or {$1000.00} per violation I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST
Product: Debt collection

I received written and telephone communications about a debt I allegedly had to Bank of America. The initial communication happened about 1.5-2 years ago and I immediately became distressed, now knowing if it was true and not recalling any debt owed to them. Because the person I spoke to over the phone was so convincing and had so much information about me I figured it was true but before issuing payment I decided to go to Bank of America to validate the debt and the manager I spoke to looked through his system and didnt see any debt by me ( branch on XXXX XXXX XXXX in XXXX XXXX ). Then recently I was left a voice message at my mothers WORK PLACE regarding a debt to The same bank, so I called and again they identified themselves as debt collectors and/or litigators and they were attempting to coordinate a payment to resolve this debt before it was moved to a court where I would have to pay a different, much higher amount
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX regarding discrepancies in the reporting of my account. I have submitted disputes for the account in question, disputing the accuracy of certain information. Despite my efforts, XXXX XXXX has responded asserting that the information is verified and accurate. However, I have observed significant disparities between their reported information and that of Experian and XXXX. 

The discrepancies that I am disputing include : Account Status : XXXX XXXX reports a different account status compared to Experian and XXXX. The accurate account status must be promptly reflected to ensure fair and accurate credit reporting. 

Date Opened : There is a notable variance in the reported " Date Opened '' by XXXX XXXX compared to Experian and XXXX. It is imperative that the accurate date be reflected for proper credit assessment. 

Date of Last Activity : The reported " Date of Last Activity '' differs between XXXX XXXX and the information provided by Experian and XXXX. Ensuring the correct date is crucial for an accurate representation of my credit history. 

I have attached supporting documentation, including the responses from XXXX XXXX, as well as the corresponding information from Experian and XXXX. The evidence clearly demonstrates the inaccuracies in XXXX XXXX 's reporting. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and ensure that XXXX XXXX rectifies the inaccuracies in their reporting. I am seeking the removal of the discrepancies mentioned above to maintain the integrity of my credit report.
Product: Credit card or prepaid card

SYNCB/AMAZON # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which is still LAWFUL and has forbearance and credit reporting requirements that may apply to my situation. Since there is no law under the Fair Credit Reporting Act requiring your financial institution to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. Your companys policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Product: Money transfer, virtual currency, or money service

Zelle and my financial institution had failed to investigate my claims adequately and the trackings were infeasible
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a charge-off in the amount of {$6300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account has been paid in full and should be reporting a {$0.00} balance. This false reporting of a charge-off account is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
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 Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I used Lexington law firm services from XXXX it has been bought to my attention they were found guilty of fraudulent practices. That has resulted in a class action settlement for which I have not received my compensation.