23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furmish 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 tems of information any other adverse tem of information, other tan records of convictions of crimes which antedates the report by more tan seven years. 15 U.SC 1681s-2 ( A ) ( a ) 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 innacurate delete the accounts below
Product: Debt collection

Received a threatening call stating that i will be served paperwork that i need to sign as they are taking legal action against me for a debt i owe but do not state what the debt is or who they are.
Product: Checking or savings account

I am having trouble with Zions Bank not approving direct deposit from my current employer into my checking account. It shows that my employer tried to deposit my check but was only allowed to deposit XXXX. Its very frustrating to sign up for something and it not go through.
Product: Credit reporting or other personal consumer reports

I filed a complaint thru CFBP online on XX/XX/XXXX. Please see attached. It was VERY CLEARLY MENTIONED THAT IT WAS NOT ABOUT XXXX XXXX AT ALL. FRAUD COMES IN DIFFERENT SHAPES AND FORMS. You should know that by now. The fraud that I had been a victim of was not under the category of XXXX XXXX. It was much bigger crime that I had been a victim of which the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim. The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXX XXXX Police Station, XXXX Department in XXXX : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. Also, please see attached copy of an actual Police Report that they released to me which was approved by Detective XXXX when I picked it up from the XXXX XXXX Police Station last month. Then, the FBI XXXX XXXX named Special Agent XXXX XXXX told me on the phone that the FBI XXXX XXXX is now taking the lead of my case as of XX/XX/XXXX up to the present time. He called me on the phone and interviewed me for about XXXX hour and XXXX minutes. Today of XX/XX/XXXX, I received an email from EXPERIAN about XXXX XXXX  letter which it did not make sense to me at all based on my reported situation as a victim of XXXX  crime which is currently taking very seriously by the FBI. STOP HARASSING ME WITH EMAILING ME THIS LETTER THAT WAS A TOTAL LIE. DO YOUR JOB IN A PROPER WAY, INSTEAD OF HARASSING DISADVANTAGED CONSUMER WHOSE LIFE HAD BEEN UPSIDE DOWN ALREADY. YOU WILL NOT BREAK ME. JUSTICE MUST ALWAYS PREVAIL. XXXX XXXX XXXX did not harass me with this kind of letter at all. XXXX did a remarkable job considering all my provided information from the law enforcement agencies and made a smooth conclusion to my complaint. You have everything in front of you already.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of several accounts and inquiries from my credit report due to my involvement in a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts or inquiries impacted by identity theft or a data breach blocked and subsequently removed from my credit file. 
Below is a list of the affected accounts and inquiries that should be blocked and deleted in accordance with the aforementioned laws : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This debt arises from a XXXX account that was canceled in NJ before my move to FL. I canceled the account in XXXX XXXX. The debt arises from utility usage from XXXX XXXX to XXXX XXXX. While the account was active and I was living in NJ the account was paid through XXXX bill pay site. After XXXX XXXX no additional bill was presented for payment on the bank site. No e-mail, paper bill or phone call was received. 

The first contact about this delinquency was made in XXXX when a different collector contacted me by phone. I responded with information that I moved to FLA and canceled the NJ account in XXXX XXXX. I never heard from that agency again, who indicated they would further investigate the situation. 

On XX/XX/XXXX I was texted by XXXX that I had an account in collections. I went to the XXXX site and pulled up the information. I contacted the agency, IC System , IncXXXX, who did not attempt to call me on the phone ( I still have the same phone number ), mail, or e-mail. I explained that this is a recurring error, they told me the debt would remain on my credit report until I paid the debt. I paid the debt that does not belong to me to avoid further damage to my credit. This company unethical collection tactics by reporting the erroneous debt to credit agencies without speaking with me or investigating the debt. They not only threatened to report the erroneous debit, they actually reported it without contacting me. I am now spending numerous hours to fill out disputes and enter statements with my creditors. I am getting e-mails and phone calls from debt repair agencies and my credit score dropped over XXXX points! 

The agency indicated it would take XXXX to XXXX  days to remove the collection from my credit report after I satisfied the debt. If no payment, the collection would remain. They were unwilling to further investigate the original error made by XXXX. The account was canceled so long ago l ( almost XXXX  years ) that I no longer have any of the account information or anything I did with the original agency to dispute that the account was active after XXXX XXXX.
Product: Payday loan, title loan, or personal loan

On approximately XXXX/XXXX/XXXX a loan was taken out with XXXX XXXX XXXX for {$500.00}. Payments were to be submitted from my bank account every two weeks on payday until the loan was paid back. The first payment of {$100.00} was completed on my next registered pay day of XXXX with 7 payments of {$100.00} to be made every two weeks consecutively until the loan was paid in full. The total amount paid would be {$830.00}. This loan has become difficult to pay back due to the high interest rate and fees. 

Upon further review I discovered that the practice of XXXX loan companies dispersing loans consisting of interest rates above state legal limits are considered illegal. In the state of Michigan where I reside, the rates XXXX XXXXXXXX XXXX applies to their loans do not meet state requirements .This was not explained to me prior before I accepted the loan. I am now fully aware that legally I am not obligated to pay this loan back. However I do intend on and wish to pay back the principal amount of the loan, but not the interest and fees. I willingly borrowed {$500.00} and will pay it back via payment plan, minus the {$100.00} I have already paid, for a total of {$390.00} I have reached out to a loan consolidation agency to help me coordinate this as well, and to show in good faith the rest of the loan principal amount will be paid back. 
At this time I also request that all communications Cease and Desist in regards to this debt. This is a notice that any phone calls from employees or registered agents of XXXX XXXX XXXX to my place of employment, home phone, and references are to stop. My schedule makes it impossible to be available to receive phone calls during normal business hours. Be advised that any phone calls received in regards to this debt, will be recorded and by doing so after receiving this letter will be considered an acknowledgment of their agreement to being recorded. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, XXXX and XXXXXXXX XXXX  Bank is in Direct Violation of The Fair Credit Reporting Act. XXXX XXXX Bank, account XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly 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, and please Dont respond with validated because I'm not asking for anything to be validated or verified.
Product: Credit card

I needed to file a claim for a travel benefit. First, my credit card company advised me to pay the car rental company for repairs. Then they denied my claim. Then they told me that they do n't really provide insurance, and that the benefit was advertised to attract new customers.
Product: Checking or savings account

On XX/XX/XXXX Ive got the two letters from Wells Fargo bank says they decided to close my multiple checking accounts. I contacted the branch manager right away and he said he didnt know why. He said he got the email to close my two safety boxes only and didnt hear about the checking account also closed. Ive asking him to find reason for me and I hope this just a mistake. But he called me back saying this is the bank decision and they wont give him anymore information about why make that decision. He knows as much as I do. Then he told me to call the office myself to find out and maybe they will tell me directly and I did but they told me the bank decided dont want to do the business!. She didnt finished the full sentence. I asking again what do you mean about that? Is the bank dont want to do business with me or dont want to do business with this kind of the account or the bank dont want to do business account anymore? She didnt answer me just said thats all she can tell me. After a week I received another two letters about to close two safety boxes
Product: Credit reporting or other personal consumer reports

XXXX I worked with XXXX  XXXX  my credit score didnt change. I paid XXXX per month.
Product: Debt collection

I submitted a complaint with the CFPB, the end of XX/XX/2018, for XXXX XXXX collecting on behalf of XXXX I sent letters to the company asking to verify the debt I owe, bearing my signature. They repeatedly sent bills back to me verifying nothing. Nothing with my signature verifying the debt. They reported to the credit Bureaus and hurt my credit score drastically over a debt they can not verify. I was sent back a letter from XXXX XXXX  on the complaint I filed, On XX/XX/XXXXthrough CFPB, that said XXXX  has recalled the account and they removed from the credit Bureaus except for one Bureau. Now XXXX  again has chosen a different collection agency and they have reported to all the credit Bureaus again. This company is Source Receivables Management, XXXX NC, I didn't receive a letter in the mail, not a phone call, anything from this company. XXXX   recalled this account because they can not verify this is my debt. The amount they say I owe is XXXX. I do not owe this debt and recalling the account and moving on to a different collection agency doesnt make the debt valid. I would like for them to stop harrassing me and remove from my credit Bureaus immediately. The next steps will be the Attorney General 's Office and or the XXXX XXXX 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 financial protection act ( cfpa ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore there 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 has caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Debt collection

[ Your Full Name ] [ Your Address ] [ City, State, Zip Code ] [ Date of Birth ] Sunrise Credit Services XXXX XXXX XXXX XXXX, NY XXXX [ Date ] To Whom It May Concern, I am writing to formally dispute the alleged debt associated with the account listed below, in accordance with the provisions of 15 USC 1692g and 1692c under the Fair Debt Collection Practices Act ( FDCPA ). As a consumer, I request validation and verification of this debt to confirm its legitimacy. 

Account Information : Creditor Name : XXXXXX/XX/XXXX Balance : {$2700.00} Opened : XX/XX/scrub> 2024 I am requesting that you provide the following information to validate this debt : 1. A copy of the original signed contract or agreement between myself and the original creditor.

2. An itemized statement of the account, including the principal amount, any interest, fees, or charges applied.

3. Proof that your agency is legally authorized to collect this debt on behalf of the original creditor.

4. Proof that I have a contractual obligation with Sunrise Credit Services regarding this debt.

In compliance with 15 USC 1692g, I am invoking my right to request verification and dispute the validity of this debt. Until such time as the debt has been validated, I request that you cease all collection activities, including reporting this account to any credit reporting agencies.

Additionally, under 15 USC 1692c, I request that you may contact me either via written correspondence sent to my mailing address or by email at [ Your Email Address ].

If you fail to validate this debt as required by law, I expect you to remove all references to it from my credit reports with XXXX, XXXX, and XXXX, as reporting unverifiable debts constitutes a violation of the FDCPA. 

Please note that any further communication from your office must comply with federal regulations, and I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) should you fail to comply with this request. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, [ Your Full Name ] [ Your Contact Information ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA 15 U.S. Code 1681i XXXX XXXX, XXXX and Experian has been violating me for sometime. This is my second attempt to get these alleged accounts removed. I have provided attachments of proof of the inaccurate consumer reporting. I, consumer have the right to privacy and these Consumer reporting agencies have not provided me with any consent to furnish any of these alleged and inaccurate accounts. These accounts are causing me anf my family financial damage. 

15 U.S.C. 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish a account without my written instruction. 

15 U.S.C. 1681 Section 602 A. States i have the right to privacy. 

Delete these account immediately, unless you want to be held liable for {$1000.00} per violation XXXX  ACCOUNT # XXXX XXXX XXXXEXPERIAN DEPTEDXXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX/EXPERIAN US DEPT ED ACCOUNT # XXXX XXXXEXPERIAN  USDOE/XXXX ACCOUNT # XXXX XXXX/XXXX/EXPERIAN XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  XXXX ACCOUNT XXXX XXXX XXXX XXXX EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer. I am filing this complaint against Equifax for reporting a collection account without reference to the creditor name, address, or phone number. Please see attachment labeled Equifax Exhibit A.
Product: Debt collection

This is my 3rd request to validate the charges that Mechant Adj Services has placed on my credit report. The explanation that was provided in my original complaint ( XXXX and XXXX ) was not satisfactory. I have filed a complaint with the XXXX  and I feel that my rights as a consumer is being violated. It is not my responsibility to reach out to a different company to assist you with providing me the proper validation. I am AGAIN, request that you provide me with the following documents : I am asking that this debit be completely removed if you are not able to validate the with the information I requested. This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. If you can not provide me with the information I'm requesting I am asking that you remove this debit from all 3 credit bureaus immediately. Referring me to another company is not a satisfactory response. Here is the original request as from the XXXX : On XX/XX/2024 I wrote all 3 credit bureaus a certified letter requesting that Merchant Adjustment Service validate the debit on my credit files. The amount of the debts that are showing on my report is {$1500.00} with the date assigned listed as XXXX and account number XXXX and {$650.00} with the assigned date listed as XXXX, account XXXX XXXXXXXX. Thank you, XXXX XXXX
Product: Credit card or prepaid card

I called Capital One about credit cards that they put on a restricted status late last year in XX/XX/XXXX due to them being concerned with authorized users that i had put onto a couple of my cards to help some relocated church members to reestablish their credit when they were displaced by storms. 
We were told that we had to send in documents which we did and that they did not take as proof of who we were. 
i am now trying to close these accounts and this was refused to me by an employee named XXXX employee ID XXXX. 
I also found out that i had a balance of {$3.00} owed on one of my cards that she said was accrued interest after we had paid to a XXXX  balance? 
I also have been charged the following card annual fees on three cards that i have been unable to use and which i should not have been charged. 
Card ending in XXXX {$39.00} XX/XX/XXXX XXXX {$39.00} XX/XX/XXXX XXXX {$59.00} XX/XX/XXXX. These should be returned to me along with any other charges i was charged for an account that am not able to use. We have never been late on a payment to Capital One or any other credit card company in 20+ years so this is not fair and i consider it highly abusive practice toward my wife and I by a big bank. I also think that they have possibly done this due to me being of XXXX heritage.
Product: Credit card

I remodeled my house ; purchased most of the materials from XXXX using their " 6 month same-as-cash '' offers. I had numerous balances on these " 6 month @ 0 % '' offers that expired in different months ( or incur deferred interest ). I was paying close attention to my offers and paying off those balances when they expired, and asking for anything over the minimum payment to be applied to my " regular purchase balance '' which is charged 25.24 %! 

Capital One has a disclaimer to get around applying anything above your minimum payment to the next highest interest rate balance - they apply anything over your minimum payment to the currently expiring balance and then to the NEXT expiring promotional balance instead of applying it the next highest balance ; the " regular purchase balance '' earning 25.24 %! 

I have asked them not do this on my account, and they tell me it 's automatic. I tell them that I am directing them to apply my payment to different balances instead ; I get the run-around every time. I have to talk to a supervisor, then I 'm on the phone for HOURS - as they try to confuse me, then eventually offer to wipe the interest fees. They never do correct the balances on the various promotional offers, so the issue never does get fixed. I have to call them back every month and go through the whole thing again. I 've spent HOURS on the phone EVERY MONTH with a different supervisor applying my payments manually. Then they still do n't apply it correctly - the balances are all wrong, when I try to get it straight, they just talk about all the difference balances, tell me the same thing in a different way, attempt to confuse me, etc. They refuse to apply my payment how I ask them to AND how it is required to be applied according to CARD Act of 2009 ; which is minimum pmt, payoff promo balance expiring that month, then apply anything over that amount to the " regular purchase balance '' - the balance with the highest rate. 

It 's a struggle every month to request that my payment over-and-above the minimum payment be applied to the balance with the highest interest rate. 

This clause " If you have Same As Cash Credit Plans, we will automatically apply payments received during the final TWO billing cycles and up to the date of expiration first the required minimum pmt due and next to the plan ( s ) that is expiring, in order of expiration ; at other times, we will treat your Same As Cash Credit Plan as having a 0 % APR for purposes of determining payment application. '' This allows them to pay off a balance that is sitting at 0 % for another month instead of paying off the balance sitting there at 24.25 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX and Equifax in writing informing them of my new mailing address : XXXX XXXX XXXX, XXXX, FL XXXX. I sent all required proof to make the change on XX/XX/2021 in writiing. I requested a free annual credit report and I want a copy of my credit score. But to no avail. 

I have not received my annual credit report or credit score at my new mailing address from any of the 3 credit bureaus. 

please help in this matter.