23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Clark County Collections has reported to the credit bureaus a derogatory account dated XXXX/XXXX/11 in the amount of {$1100.00}. According to information obtained through internet search, this agency collects on unpaid medical accounts. Not only have I kept continuous medical coverage, I have not received any notification of unpaid debt to a provider for medical care. I also have not received any correspondence from Clark County Collections. Additionally, I did not receive any type of medical related service on the date reported by the agency. 

The unpaid debt reported by Clark County Collections has made it difficult to obtain necessary medical care and they have falsely tarnished my creditworthiness. They have failed to provide sufficient documentation pertaining to their reported debt and have made it impossible to have the incorrect information removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I have previously contacted the credit bureaus regarding these discrepancies and requested the immediate removal of the inaccurate items from my credit reports. However, despite my efforts and the clear inaccuracies in the reporting, the inaccurate information has not been updated or removed from my credit reports. 

I am concerned about the impact of these inaccuracies on my credit profile and request that the Consumer Finance Protection Bureau intervene to ensure that the credit bureaus take appropriate action to rectify the inaccuracies and update my credit reports accordingly. 

The discrepancies between the reports are as follows : XXXX  Last Activity Date : XXXX reports the last activity date as XX/XX/XXXX. 
Experian reports it as XX/XX/XXXX. 
XXXX reports it as XX/XX/XXXX. 
XXXX XXXX XXXX : XXXX and Experian report a past due amount of {$6900.00}. 
XXXX reports no past due amounts.
Product: Debt collection

On XXXX XXXX, XXXX I sent a debt validation letter certified mail to Diversified Consultants. Today is XXXX XXXX, XXXX and I received a response back but it was only a copy of the bill from original creditor XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After repeated marketing offers to upgrade my American Express Green Card to a Platinum Card, I finally accepted though an online process. This was on or about XX/XX/2023. The Platinum card was approved and delivered to my home. I have attached a photo of the card. Since I was now going to use the upgraded card, I contacted American Express and instructed them to cancel my Business Green card and refund me the annual fee I had recently paid. I was told that I had exceeded the 30-day window to get a refund on the Green Card . I was now looking at a combined fee of {$790.00} for two American Express cards, I instructed the company to cancel the Platinum Card and reinstate the original Green Card. On or about XXXX XXXX XXXXXXXX I contacted American Express again and asked them to reconsider charging me the full {$690.00} fee for the Platinum Card considering I had already paid {$95.00} for the Green Card. On this call, the customer service agent said they could offer me a {$50.00} courtesy credit or return me a {$79.00} prorated share of the cancelled Green card. ( I was told this was not possible in an earlier call. ) I gratefully accepted the prorated offer and instructed American Express to reinstate the previously issued Platinum Card. Unbeknownst to me, my credit score was now adversely affected because I had recently cancelled two credit cards. This result was not made clear to me by the company. American Express has denied reinstatement of the Platinum Card twice citing : " A serious delinquency on one or more of your accounts '', " The time since your latest reported delinquency is to recent or unknown '', " There are too few accounts currently paid as agreed '', " The ratio of loan balances and loan amounts is too high. '' ( letters attached ). I have closely examined my finances and have not found any delinquencies or accounts not " currently paid as agreed. '' In my opinion, this is a breakdown in American Express internal systems. I have been entrapped by a series of company procedures and computer algorithms that have deeply impacted my credit scores in a serious and harmful manner. I have had repeated contact with American Express. They have told me multiple times that they will not reinstate any of the cards and are unable or unwilling to correct any misconceptions with credit agencies. I have requested that American Express review my communications and acknowledge the systemic vulnerabilities that have devastated my credit score and besmirched my reputation. Their last stated position is " we are unable to reinstate your credit card. '' Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote a letter to XXXX and XXXX about an inaccurately reporting item that was adversely affecting my creditworthiness. Both companies reported back the item had been verified by Credit Acceptance. I also notified Credit Acceptance that they were hurting my livelihood by reporting inaccurate information about my account, they responded to my concern with a frivolous letter. I responded to XXXX and XXXX with proof of the inaccuracies on a letter dated XXXX XXXXand wrote a letter to the CEO of Credit Acceptance concerning the matter. Credit Acceptance sent me a letter dated XX/XX/XXXX, to settle the matter at a discounted price. I purchased a money order from the USPS and sent it certified mail upon complete removal of the account. As of date, XX/XX/XXXX, inaccurate data is still reporting. TransUnion nor Experian responding to a letter requesting the method of verification, yet still, they report UNVERIFIED inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX number # XXXX, Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX XXXX number # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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.
Product: Prepaid card

On XX/XX/XXXX in the morning, I made a purchase for a cell phone on consumer cellular for {$190.00} It was refunded to me back onto my card in the middle of the night So when I called to find out how long the money was gon na take to go back onto my car so I could see if they told me that the money was already put back onto my card and reflected in my balance and the balance I had on my card at that time was {$170.00} I tried to go over all the transactions with her. Her transactions did not match my transactions and I was reading the transactions right off the site and this has happened before.
Product: Credit reporting or other personal consumer reports

Cash App ( Block, Inc. ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint and Demand for Compensation Due to Lost Funds To Whom It May Concern, I am writing to formally dispute the loss of my funds in the amount of {$1900.00}, which was sent via Cash App on XX/XX/XXXX, [ Year ], as documented in the attached transaction records. Despite my attempts to resolve this matter through your customer support, I have received no adequate solution or refund. 

Pursuant to 15 U.S.C. 1693 et seq. ( Electronic Fund Transfer Act EFTA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, Cash App is required to conduct a proper investigation and provide a resolution for unauthorized, erroneous, or failed transactions. Your failure to resolve this issue violates my rights under these federal protections. 

Furthermore, past legal actions against Cash App, including class-action lawsuits for failing to properly investigate disputed transactions, demonstrate a pattern of negligence and unfair business practices. If Cash App does not resolve this matter promptly, I will have no choice but to escalate my complaint through legal action, including filing complaints with the CFPB, Federal Trade Commission ( FTC ), and relevant state authorities. 

To resolve this issue, I demand the following : A full refund of {$1900.00} to my Cash App account or linked bank account. 
Compensation for any financial harm resulting from the lost funds, including overdraft fees, penalties, or missed payments. 
A written confirmation of corrective action taken to ensure similar issues do not occur in the future. 
If I do not receive a resolution within 14 days, I will take further legal action, including : Filing a CFPB complaint at www.consumerfinance.gov/complaint. 
Reporting this issue to the FTC at www.reportfraud.ftc.gov. 
Consulting an attorney for a lawsuit against Cash App based on violations of consumer protection laws. 
I expect a prompt and fair resolution to this matter. Please respond by [ Date : 14 days from today ] to avoid further legal consequences. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX CC, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XXXX XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Mortgage

My variable rate loan increased witched I expected it to do. However, I tried to contact XXXX XXXX to see if it could be adjusted since I have my home on the market for sale. I've called several times including (XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX) and have not been able to speak with the correct department yet. During this time, I went to the NC Banking Commission website and found they are not licensed in NC. Also, I did some research and found the web site below. I will probably not have to deal with them too much longer, but the other consumers should know about this horrible company. XXXX
Product: Checking or savings account

Noticed there was a forged check that someone used mobile deposit to withdraw {$1500.00} on XX/XX/2022 around XXXX PM~. 

Called VyStar to start process of forgery. Paperwork was done incorrectly, was also told I need to go in on Saturday XX/XX/XXXX to sign paperwork for forgery. 

Signed paperwork for FRAUD, which was not the correct paperwork. 

Called throughout the week of XXXX XXXX multiple times per day. Spoke to different agents each time. Every single one said they would call me back with an update. I never received an update. 

On XX/XX/XXXX, a phone rep. finally told me that my paperwork wasn't done correctly and that I would have to go into the bank AGAIN to sign the correct paperwork. 

Called police and filed a police report about the incident as of XX/XX/XXXX evening. 

Went in on XX/XX/XXXX. Signed proper documents. Vystar Manager tells me " Yeah my notary expired HAHA so we'll have to do it Monday, sorry! ". 

Called the XXXX XXXX location on XX/XX/XXXX 6 times with no answer/call back. Unable to confirm if my paperwork has been submitted. 

Called general help line XX/XX/XXXX, 3 times. Hung up on after holding for XXXX minutes. Finally waited XXXX hours to be told the paperwork has yet to be submitted for forgery. Vystar rep said he would call me back later today with an update after not being able to contact anyone at the XXXX XXXX location.
Product: Credit reporting or other personal consumer reports

A credit card tried to say I defaulted on a loan with them it was a credit card not a defaulted loan
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, and accounts that do not belong to me. Please block the accounts that are misleading and incorrect in my file. 

Here are the aforementioned accounts : XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX  XXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} This complaint is a follow-up to my previous complaint dated : XX/XX/ 2023
Product: Debt collection

They put a delinquency on my credit for {$1200.00} from Proffessional Finance Co. that was NOT me! Its costing me buying my home
Product: Debt collection

Franklin Collection Service violated the following Fair Debt Collection Reporting Act 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission EXHIBIT A 2. Violated 15 USC 1692c ( b ) ; Communication with third parties ( credit reporting agencies ) EXHIBIT B 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False
representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 11. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

12. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

13. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 14. IDENTITY THEFT ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

15. ADDITIONAL ASSESED DAMAGES : Defamation of character, lower my score ( not able to get approved for a home loan. EXHIBIT C
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$1800.00} Status Collection account. 


This account is listed as 4 separate collections on my XXXX, XXXX, and TransUnion credit files. I have reached out to the credit bureaus on multiple occasions to fix this inaccuracy to no avail. This is a SINGLE account in collection not 4. This debt collector - XXXX XXXX XXXX- is reporting the single account as 4 separate accounts. The credit bureaus need to properly reflect my credit accounts and remove the 3 duplicate accounts.
Product: Credit card

Wells Fargo has been informed of my coverage under the Military Lending Act. Under 10 U.S.C. 987 ( Military Lending Act ), lending institutions are prohibited from charging covered members more than XXXX  % interest MAPR, including fees. There are fees and interest charges associated with my Wells Fargo credit card that exceed XXXX  %. The MLA requires Wells Fargo to void the illegal contract and refund the full amount. My requests for Well Fargo to comply have been repeated numerous times, but their Military department claims to have no knowledge of the MLA. Despite having access to the DOD database which shows I am a covered member ; Wells Fargo 's customer service appears to ignore the mandate of the MLA despite numerous conversations with them. The MLA therefore specifies that Wells Fargo 's failure to comply with the MLA constitutes a criminal offense.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX XXXXXXXX balanced {$13000.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX balanced {$1100.00} KIKOFF LENDING LLC XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX balanced {$230.00} XXXX XXXX balanced {$950.00} XXXX XXXX XXXX XXXXXXXX balanced {$12.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}
Product: Payday loan, title loan, or personal loan

On XX/XX/2015 I applied and was immediately approved for a loan with Oportun/Progreso Financiero in the amount of {$3000.00}. A few months after due to hardships I fell back on payments and due to their high fees I couldnt keep up resulting in default on XX/XX/2015. At that moment Oportun/Progreso Financiero started calling repeatedly friends & relatives disclosing my debt and personal information, during that time I received from them up to 9 calls a day. Soon after I requested not to be called which they honored but they remain calling friends & relatives. 

Throughout the years have tried settling or coming to an agreement with Oportun/Progreso Financiero but unfortunately they have rejected my attempts. They keep increasing exponentially the loan and expect me to pay for an absurd amount completely unrelated to the original loan. 

Recently contacted the XXXX XXXX XXXX in XXXX XXXX for assistance with this account which is affecting my credit score. Unfortunately XXXX  wouldnt take my case due to Oportun/Progreso Financiero being a hard to work with company that follows shady practices. 

The Account was closed & charged off on XX/XX/2015 but they keep increasing the loan amount month after month. As of today the account shows a {$8400.00} balance which is completely inaccurate based on what the loan amount was at the time of charging-off the account. 

**I have submitted letters to the 3 major credit bureaus ( XXXX  , XXXX  , XXXX  ) to dispute the information. 

XXXX  Case number : XXXX XXXX  Case number : XXXX XXXX  Report : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a store card with XXXX back in 2015. Unfortunately, I had a financial issue at the time, and the account was charged off. I have since recovered, and started addressing the results of the financial issues I had in the past. I called XXXX  to pay the outstanding balance they are reporting on my credit report, but they refused to accept my payment. And although they refused to accept my payment, they still refuse to take the account listing off of my credit report. I want this account to show as paid on my credit report, but by refusing to accept my money to resolve the account, and also refusing to take the account off of my credit report, XXXX is holding my credit report hostage. Not only is this unfair, it is illegal. A company can not refuse to accept payment, and still continue to report as debt as unpaid.
Product: Debt collection

Company refuses to provide requested information of validity of debt and continues to harass me and report incorrect information on my credit report. I have tried numerous times to dispute this with credit bureaus and company is non compliant.

Subject : Final Demand for Debt Validation, Cease and Desist, and Notice of Legal Non-Compliance To Whom It May Concern, This letter serves as a final demand under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, and the Fair Debt Collection Practices Act ( FDCPA ). Despite my previous written request dated XX/XX/year>, you have failed to provide sufficient validation of the alleged debt you claim I owe. This failure is a direct violation of federal laws that protect consumers like me from fraudulent, erroneous, or unverified debt collection practices. 

I remind you that under Section 609 of the FCRA and Section 809 of the FDCPA, you are legally required to validate this alleged debt by providing the following : 1. Proof of the Original Debt : A copy of the original contract or agreement bearing my signature that demonstrates my obligation to pay the debt in question.

2. Complete Accounting : A detailed breakdown of the alleged debt, including the original balance, any interest, fees, or charges that were applied, and the exact manner in which the amount was calculated. 
XXXX. Proof of Legal Authorization : Documentation that establishes your legal authority to collect this debt, including proof of ownership or assignment of the debt. 

To date, you have failed to meet these legal obligations. Your inability or refusal to validate this debt raises significant concerns regarding its legitimacy. This non-compliance further violates my rights under federal law.

Take Notice : 1. You must immediately cease and desist from all collection activities regarding this alleged debt, including but not limited to : phone calls, letters, emails, reporting to credit bureaus, and any other form of communication.

2. If you can not validate this debt in accordance with the law, you are required to : Permanently remove all references to this alleged debt from my credit report.

Notify all credit reporting agencies to which you have reported this debt and request its deletion.

Failure to comply with this demand will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I reserve the right to pursue legal action against your organization for damages resulting from this blatant disregard for the law.

You are required to respond to this letter in writing within 30 days of receipt, providing full validation of the debt as outlined above or confirming that you will cease all collection activities and remove any negative credit reporting. Failure to do so will result in escalation of this matter, including but not limited to litigation.

This is your final notice. Any further attempts to collect on this debt without proper validation will be documented and pursued to the fullest extent of the law.
Product: Payday loan, title loan, personal loan, or advance loan

The company offered verbally in XX/XX/year> to extend the lower payments. I didnt not ask for that. However I did ask them to complete the agreed upon actions since the payments for XX/XX/year> and XX/XX/year> have been completed. 

I also received an email threatening to send the account to collections. 

Dear XXXX XXXX, Thank you for contacting XXXX XXXX in regards to your account with Credova Financial. It has reached its final opportunity to be handled voluntarily for the defaulted balance in full of XXXX all fees included. Unless a payment arrangement is secured today, the account will leave my office for possible collections placement. What is your bank card number? 

Please make it a priority to contact our office today at toll free XXXX to discuss this matter in detail. 

Sincerely, XXXX XXXX Account Representative XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Visit us online to view your account/make payments at XXXX : XXXX