23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is in regard to the law firm of Zwicker and Associates, XXXX XXXX XXXX, XXXX, XXXX, and Zwicker and Associates XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 
I have been disputing this alleged debt since XX/XX/XXXX requesting the firm for a full validation proving this debt is indeed mine as well as information from the Department of Justice, recognizing me as a victim of identity theft and the status of its case status not knowing details of how my information was obtained or if other individuals were involved. Sending this information since XX/XX/XXXX I would only receive statements after informing them, no, this is not validation but information. Informing them the name itself is incorrect, did fully validate the actual card company as required and their surety bond information that is required to collect in Texas. I was sued and during the break-out session during the hearing on XX/XX/XXXX with the attorney, XXXX XXXX  he told me that he has additional information that proves the debt is mine, he asked me for my mailing address, e-mail address, and contact information in other words information that should be on file if there is an actual contact on file that was signed. Yet, wanted me to set up a payment plan, why would I do this any the firm failed in so many ways to violate the FDCPA? After further research, he said they work for the card company BUT they are identified as a third-party collector and they are not bonded with the state. 
One should not be either for their fitting or business operation. Needless to say, I never received these intimidation letters again that do not define the validation of a debt, that I am entitled. The only thing I received was a " contract, '' which is questionable since it is known there is a class action lawsuit, Lizette DiResta vs.Discover Bank, Caes 155611-2015, in the Supreme Court , pending due to XXXX 's questionable fake credit card agreement, even arising more questions since it's not my name or signed as such. I have nothing and I have nothing to lose but when the harassing calls are being directed to my husband that is another story. This firm believes they are above the law and act as such. This matter with my complaint and other current and past should be looked into.
Product: Prepaid card

{$650.00} was unauthorized and transferred to an account without my knowledge in the wee hours in the morning according to Money Network Bank. Since I had caught the transaction early ( hours after same day ) they had a chance to stop it before it successfully transferred ( it takes 3 days to transfer ) they still had to do their fraud investigation. I kept in contact with them of course the whole time from XX/XX/year> when it happened til I got the denial letter XX/XX/year> I kept getting the run around. Some employees said it would take 44 days, some said it takes 90, some said I should get a check in the mail and that it has been solved along with a letter. I was also mailed another card but couldn't activate it an was told that I shouldn't have never been mailed a new card. I got mailed papers to fill out so I can get temporary pay until the investigation was over. I emailed that in and I was told I should get a card or check within 3-5 business days and never recieved anything. I am not the only person this has happened too. I've XXXX  it and they're hundreds of people going through the same thing with this bank. I am not going to let them take my money. When they canceled the transaction before it got transferred to where ever so it should have automatically been given back to me. It doesn't make any sense to why I can't get my money back. I'm on maternity leave I have a XXXX an I'm behind on rent and bills and them taking my money an denying my claim when I didn't make that purchase, authorize a transfer or anything and it was canceled before it can even be transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I filed a complaint against Equifax about inaccurate and re-aged information on my credit report involving XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX because they failed to investigate and delete these inaccurate accounts. The information i provided in my dispute was factual data pulled directly from my credit report, and yet they still responded to me stating that the information has been verified as accurate, which is a lie. Because if you look at the information I provided, you could see the blatant inaccuracies I complained about. It's plain as day. For example, on the XXXX XXXXXXXX account, How can I be 120 days late on a paid closed account? I mean, the account is PAID. The account is CLOSED. So how am I 120 days late. It doesn't make any sense. And this applies to the four XXXX accounts as well. The XXXX accounts say i'm 120 days late, but they are also closed and paid. Bottom line, an inaccurate account can not be found accurate. It's a total contradiction. Furthermore, I just received their response in the mail regarding my recent complaint stating that their investigation into these accounts is complete and that my credit profile has been updated. The only thing they did in regards to my credit report is update my personal information. The problem here is, I didn't ask for my personal information to be updated, nor was that my reasoning for dispute. They did no investigation into the accounts i disputed. The same information is still there. Even the accounts themselves weren't updated, which goes to show me that NOTHING was actually done nor investigated. In other words, their response is a bold face lie, and i want something done about it. There is no way i can give you proof of something, in black and white, and you just ignore it as if it doesn't exist. This is completely UNFAIR, and i want the accounts deleted from my credit report immediately.
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 federal protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent fraud on their platform, leaving my account very 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 seek appropriate redress for these violations.
Product: Debt collection

Apparently, at some time in the past I ordered an item and it was shipped to me using XXXX. A month or so ago, I received notice that XXXX was not paid by the shipper, and if further collections efforts by XXXX did not result in a payment from that shipper, they would come after me. I had never heard of something so absurd, it 's like a meat supplier not being paid by a restaurant, so the supplier waits outside the restaurant and when you finish your steak they jump you by your car ... 

Anyway, as you can likely predict, the company never paid XXXX and now they are coming after me,. I ca n't find the original collection notice so I do n't even know who the shipper was, and XXXX has no interest in telling me. They are increasingly rude and belligerent toward me, and want to hear nothing but my credit card info, which they wo n't get. I know I paid for the shipping since I have the item, but I ca n't prove it because I do n't even know what specific item we are even talking about. It 's circular dislogic at its worst and the only company with all of the data is n't interested in helping, only harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. I previously disputed a matter concerning XXXX XXXX XXXX XXXX, where I disputed a business auto loan appearing on my personal credit report for the specific XXXX XXXX XXXX XXXX account. This account should not be appearing on my personal consumer credit report because the vehicle was registered in the name of a business and the account is a business account, not an individual account. 

I should have only one XXXX XXXXXXXX XXXX XXXX account appearing on my personal consumer credit report, the account I am disputing is a business account. Where the account I am disputing is an XXXX XXXXXXXX XXXX XXXX account established in the name of a business and not individual person. Wherefore, I request that this matter be investigated and removed from my personal consumer credit report. 

Transunion failed to address my dispute or investigate. Even provided me with incorrect dispute verification information. I received notice from Transunion that the " XXXX XXXX XXXX-VERIFIED AS REPORTED. '' I didn't dispute the XXXX XXXX account, it appears that Transunion never investigated my disputes for the XXXX XXXX XXXX XXXX  as I was provided only verification for XXXX XXXX account which I never disputed in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected with identity theft that cause me not to have credit or have bad credit due to incorrect information an reporting deceased illegally XXXX illegally allowing debt collector report false information on my report shouldn't be allowed to do cause my credit score to drop down XXXX points for they mistake nobody couldn't provide any information about my date of birth XXXX XXXXXXXX  I was effected with identity theft an it everything reported on my report should be removed off my report due to this problem I never have a open account they can't provide successful evidence anyone could use my name to get access to good no should anything should been approved with 2 form identity card an social security an proff of address fraudulent activity everything should be removed off my report
Product: Credit reporting or other personal consumer reports

TO Your Company I am writing you to dispute the status of these inaccurate accounts reporting on my consumer report.

In accordance with the Fair Credit Reporting Act ( PASSED BY CONGRESS ).

You are reporting invalid, incomplete, inaccurate, and incorrect information on my consumer report.

All of the accounts listed have different dates of last activity/status date, & have inaccuracies in the payment history between XXXX, Transunion, and XXXX. ( How can these accounts have different information between the CRAs reporting, but are getting the information from the same creditor? ) YOU ARE REQUIRED BY THE RULES OF THE FCRA TO REPORT VALID, COMPLETE, ACCURATE, AND CORRECT INFORMATION ON A CONSUMER REPORT.

607. COMPLIANCE PROCEDURES 15 U S C 1681 e ( b ) Accuracy of a Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the INFORMATION concerning the individual about whom the report relates.

According to the FCRA 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY, THROUGH PHYSICAL VERIFICATION WITHIN 30 DAYS, TO DISCLOSE ALL INFORMATION ( THAT YOUR COMPANY HAS ON MY CONSUMER FILES, PROVING THAT THESE ACCOUNTS ARE ACCURATE ). ( 15 USC Section 1681 s-2 ) IF YOU DO NOT DISCLOSE THIS INFORMATION OR HAVE THE INFORMATION THAT I HAVE REQUESTED, ( LACKING PROOF THERE OF ) YOU MUST REMOVE AND DELETE THESE ACCOUNTS ACCORDING TO FCRA REGULATIONS. ( Section 1681s-2 ( b ) ( 1 ) ( E ) WHEN DISPUTED INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE FURNISHER MUST DELETE AND PERMANETLY CEASE REPORTING THE DISPUTED INFORMATION ). 
DELETE THESE ACCOUNTS : ( CHAPTER XXXX BANKRUPTCY ) ( CHAPTER XXXX BANKRUPTCY ) ( 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

Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$150.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I was sent bills on XX/XX/XXXX stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. Also, the medical bills I received revealed personal and medical information about me. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XXXX ). I sent a follow up letter informing them that they are in violation of HIPPA and stated that I would file a legal complaint unless they removed this from my credit report. I have yet to hear back from them
Product: Credit reporting or other personal consumer reports

Regarding Bankruptcy Case : XXXX Regarding Bankruptcy Case : XXXX The United States Bankruptcy Court XXXX XXXX XXXX XXXX California does not report bankruptcy proceedings, in any nature, to 3rd parties or furnish this information at all. Thus, XXXX is illegally obtaining this information from XXXX without having the information furnished to them nor ensuring if the information is accurate. Additionally, I had already requested for XXXX to permanently suppress my information from XXXX publicly facing public records data. Therefore, listing this bankruptcy and allowing that information to be furnished to XXXX is greatly harming me which is a violation under both the FDCPA and FCRA. 

There is no permissible purpose for this reporting and the illegal access of this data from XXXX. Under 15 USC 1681i this must be removed for the inaccurate and incomplete reporting that has caused me severe harm and hurt my credit score tremendously. Please remove this within 5 business days of having received this written request. Additionally, as per a violation of of rights listed in the Privacy Act, I am requesting {$1000.00} as remedy for my hardship that was endured from negative items being reported on my credit report. 

The immediate attention to this matter will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Demand for Exclusion of Transactions from Consumer Report Pursuant to FCRA, 15 U.S.C. 1666b To Whom It May Concern, I am writing to formally dispute the exclusion of specific transaction on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666b, I demand the exclusion of the following transactions : XXXX - XXXX Under 15 U.S.C. 1666b, which establishes consumer rights concerning the reporting of disputed billing errors, it is explicitly required that consumers must be provided with all necessary disclosures as outlined in 15 U.S.C. 1637b. These disclosures are essential to ensure a consumer 's understanding of the terms and the extent of their obligations. Failure to provide these disclosures constitutes a clear violation of the FCRA and places an obligation on Equifax to exclude these disputed transactions from my report immediately.

It is well-established that the FCRA imposes a duty on consumer reporting agencies to maintain accurate and complete information. The failure to provide required disclosures directly violates my rights under the law and has been addressed in relevant court cases, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), which affirmed that credit reporting agencies must take reasonable steps to ensure the accuracy of reported information, especially when consumer rights are at stake. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), the court reiterated the consumer 's right to dispute and seek removal of incorrect or incomplete information in the absence of the required disclosures.

In light of these facts and the legal precedents set forth, I hereby demand the immediate exclusion of the aforementioned transactions from my consumer report. Failure to address this matter appropriately will leave me with no choice but to escalate this dispute, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal action to protect my rights.

I expect a response within 30 days of receipt of this letter, as mandated by federal law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent a by certified mail an Affidavit of billing error dispute to Bank of America certified mail # XXXX XXXX XXXX XXXX XXXX requesting answers from questions enclosed in mentioned affidavit and said affidavit was not answered neither was it rebutted. 
On XX/XX/XXXX then sent a notice of adequate assurance of due performance via certified mail with number XXXX XXXX XXXX XXXX XXXX to the law firm who was acting in the capacity as a debt collector for Bank of america as also a copy was sent to bank of America and no question was answered. I found out that a law suit was filed against my name in XXXX county court house by said law firm. I was still receiving mail re debt even though I had unanswered questions from previous notices I had sent out. In XX/XX/XXXX I sent out a notice and demand to cease and desist collection activity via certified mail XXXX XXXX XXXX XXXX XXXX to Bank of America. sometime after my last correspondence with the institution I found out that the law suit was withdrawn without prejudice of which I manage to obtain a copy. On XX/XX/XXXX I sent a notice for request of confirmation via certified mail # XXXX XXXX XXXX XXXX XXXX then I sent a notice of breach of agreement via certified mail # XXXX. In XX/XX/XXXX have learnt that there is another law suit in the county court against the name. this was done via for Bank of america. Am looking to have this matter resolve and said institutions are not proving any assistance and i have found them to be in breach of several United states code. am requesting your assistance in settling this matter thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there.

You are in violation of 15 USC 1692g. You and the debt collector were to notify me of this issue in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. In addition, pursuant to 15 USC 1681i ( 5 ), if the debt can not be validated or confirmed to be accurate, you must DELETE. Therefore, the following accounts must be deleted from my report immediately : The reporting of these account ( s ) is/are also violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

i was in XXXX XXXX jail located in XXXX fl from XX/XX/XXXX to XXXX XXXX XXXX i was sentenced to XXXX  months at the department XXXX XXXX ( XXXX   ) with XXXX  days credit i got out of prison on XX/XX/XXXX i had XXXX in my account with chase bank my cars was towed with all my belongings, personal information ( id bank card bank info birth certificate ssi card clothes tvs business info ect ) further more my account is XXXX there has been all these fraudulent transactions, XXXX  transfers wire transfers to XXXX XXXX  accounts someone on even went into the bank and with XXXX money from my account posing as me while i was in prison and as of now i am homeless no money and i have been waiting for chase bank to investigate and give me my funds back but its taking to long i made XXXX claims with them and they gave me a temporary credit posted to the account but the account has been closed due being in the negative i need some help i don't have a legible phone to be contacted on the best way to contact me is email thanks have a bless day
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
US BANK XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financia Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measured 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 regulations E. These actions have caused significant inconvenience and Financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Company charging me a debit that is not mines and it's showing up in my credit report i have no knowledge of this account this is not mines where it says customer name that is not my name customer signature that is not my signature i dispute it with experian results came back accurate still no contract with convergent outsourcing i asked for a sign contract with my name instead i received a bill for XXXX nothing else date XX/XX/XXXX that  is not a validation it was removed from my credit report XX/XX/XXXX and then again it was reported again with a different collection agency which is convergent outsourcing my son 's and mines document was stolen in north Carolina in XX/XX/XXXX
Product: Mortgage

Am responding in Wells Fargos response, l only modified my loan ones, they said l modified more than ones, All the time they claimed they modified my loan they were just sending me figures higher than what l use to pay and l keep telling them l am not able to afford and with this high mortgage .l will need them work on my late payments on loan based on the monthly mortgage and interest rate that was handed over to them when the loan was sold to them, not on what they fabricated just to add money to my loan.l was paying about XXXX XXXX and even if l own that for two years it will not add upto the amount they added on the loan .And they are charging but interest and principal to the loan they are supposed to charge me me late payment on the interest.The principal of the loan is not supposed to increase .l will need Wells Fargo to calculate my loan from my original monthly payment.
Product: Student loan

I called Navient back in XX/XX/2024 to inquire about receiving an application from them since I am a class member in the Sweet vs. Cardona lawsuit and Ive been awarded a full discharge on my federal loans. I notified them that I am aware that there are applications being mailed to individuals whove received full discharge on their federal loans and may also be eligible for full discharge on their private loans if they received full discharge in their federal student loan case due to misconduct. The representative stated she had no idea about said program and could not help me. It is now XX/XX/2024 and Im seeing more and more information in regard to this application with Navient.