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

I sent a cease and desist to XXXX XXXXXXXX XXXX demanding the accounting and all documentary evidence of this alleged debt & they failed to do so. Any alleged debt transferred only transfers the debt, not the ownership nor obligation of the consumer. Im demanding them to immediately cease and desist through all mediums which includes reporting to the consumer reporting agencies. I am opting out of furnishing this information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Yesterday money was stolen from my Cash App account and it was left overdrawn by thousands of dollars. I contacted Cash App support and they are doing little to nothing to resolve the issue. They have not returned the stolen money, have not explained how money was stolen from the account when it was locked and have not explained how my account that I have had sinceXX/XX/XXXX was overdrawn to begin with, when the account never allowed for overdrafts. I filed a police report regarding the theft and still my money has not been returned. Whats troubling is that my Cash App card was locked at the time the money was stolen from my account. If a card is locked all transactions are supposed to automatically decline so Cash App is negligent in this regard. Additionally, this money was stolen by a business XXXX XXXX XXXX XXXX ) so theres nothing to investigate. I have not done any business with XX/XX/XXXXand I am on a national do not rent list with the company so I could not rent a vehicle even if I wanted to. I need my stolen money back now!
Product: Debt collection

This company fails to follow the truth and lending act as well as the fair credit reporting act. They will not follow the law and refuses to show me the original contract. The law states that the original creditor must show consumer the contract or consumers tangible instrument. This is considered discrimination and will non compliance.
Product: Credit reporting or other personal consumer reports

I have two collection accounts on my Experian, XXXX, and XXXX credit reports that not only do not belong to me, but they are duplicates of the same debt divided between two companies : XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I disputed and disputed these accounts, and they came back verified each time. Whenever I ask for the method of verification, I'm hit with another stall tactic like " we couldn't verify your ID. '' These responses are despite receiving a copy of my driver 's license, copy of SSN card, and mail correspondence with filed disputes. The incident I want to formally complain about is Experian ( XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX ) and their investigation methods for failing to remove these unverified duplicate accounts even when presented with proof. I feel like my issue was disregarded by Experian and I hope that you can provide some help sorting this issue out as I am trying to rebuild my credit and my life. Thank you for your time in hearing my complaint about Experian.
Product: Debt collection

I have been disputing my credit for quite some time and this one was never appeared before. Attached is a copy of a Experian page showing a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported that I have an overdue balance on a credit account ( collection ) with XXXX XXXX XXXX in XXXX for XXXX XXXX XXXX. 

I have no knowledge of any such company or account or services provided ( {$270.00} a month on an account opened XX/XX/XXXX ) I opened a dispute with Experian XX/XX/XXXX and they just updated my results claiming the credit report is accurate and will remain. 

I suspect insurance fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account # : XXXX. 

XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account # : XXXX., has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I am a victim of Identity Theft. First I found out it in XX/XX/XXXX. I filed report to Federal Trade Commision and XXXX Police Department. On XX/XX/XXXX I placed Initial Fraud Alert to all 3 major Credit Bureaus ( XXXX, XXXX, XXXX ). 

On XX/XX/XXXX I got a notification from XXXX that APPLE CARD/GS BANK USA reported a new account. I never had XXXX device and didn't open Apple Card account. Also Apple Card never contacted me to ensure that I am opening new account nevertheless I had XXXX XXXX on my credit report. 

Immediately I reported to Federal Trade Commission and local XXXX Police Department. Then I contacted Apple Card support hotline ( XXXX ) and filed dispute about fraudulent account. I mailed all supporting documents as long as FTC and police report. 

On XX/XX/XXXX I got a notification from XXXX that Apple Card have {$23000.00} balance. I was shocked. I called again and was told I need to wait investigation results. 
After several weeks I called to Apple Card support again and found out dispute was closed not in my favor. I didn't get results of investigation by email nor mail. Support representative can not help me to get results of investigation and suggested to open dispute again. 
Now it is almost 8 months I am trying to get rid of Fraud account and several disputes was opened and closed without any success. 

Please help me to close the fraudulent account and remove it from my credit report. I am attaching all agency reports and my identity documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX pulled my XXXX report on XX/XX/XXXX. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. XXXX was provided a copy of the letter after 30 days went by and the inquiry not being removed. XXXX   stated XXXX XXXX XXXX did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred XXXX XXXX to Coinbase from my XXXX account. In the end of XXXX / beginning of XXXX, I noticed that my account was restricted ( can not buy or sell XXXX on Coinbase and can not move my XXXX out of Coinbase ) and I have a payment pending. I have provided the information requested when verifying my identity but the restriction is still in place. I called customer service and they were not able to advise on next steps. Relevant case numbers XXXX ( closed, dated XX/XX/XXXX ) and XXXX ( open, dated XX/XX/XXXX ). Now when I try to reach out to customer service, there is always a 4 hour wait time. As of today, it is XX/XX/XXXX and it has been about a month with no resolution. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear American Express, The account of American Express on my credit report with 3 CRAs are inaccurately published. This account has been closed in XXXX XXXX. A charge off account can not have any activities after the closed date. CRA and furnisher stated the information has been verified and reported accurately. But how come there are inaccuracies reported which is a violation to my consumer rights of FCRA. Furnisher must update CRAs and vice versa of changes. I need this account deleted immediately and update CRAs. See attachment of letters of Amex for verification of info. 

Also, I will need the procedures of this reinvestigation and identifications of data and persons who will be involved if this inaccurate tradeline is not deleted.

1. Account number is wrong ( XXXX ) 2. Date of last activity is wrong ( XX/XX/XXXX ) 3. Status date is wrong ( XX/XX/XXXX ) 4. Highest balance is wrong- ( XXXX ) 5. Balance is wrong ( XXXX ) 6. A charged of account can not have any activities after closed date of XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 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 Has violated my rights
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Product: Mortgage

on XX/XX/year>, around XXXX, I was trying to make a payment from my BMO checking to pay BMO Heloc account in the amount of {$62.00} online. There was an error, so I re-did again and I saw a note that " we've hit a road block, please contact our Real Estate Loan Servicing team for assistance at ( XXXX ) XXXX and report error code XXXX. I basically did total of 3 attempts before I called customer service for help. Customer Service team transferred me to their tech support team and tech support told me that they couldn't recognize this error message. Tech support team said, I need to go back to talk to customer service team again and they are the one who can assist with my issue. I got transferred back to customer service again and she told me just go to the near BMO branch to pay my bill or mail out the check. Do you know I don't know this? I told her that I can " go to the bank nor mail out the check. ( There's no branch office in my area and I didn't want to take a chance by mailing out the check which can take too long or mail can be lost ) Representative said she can't do anything to help me. I asked if there's any other options or dept who can help, she said no. I was extremely upset and disappointed by the customer representative 's reaction, response, and attitude, instead of being sorry and sincere, the customer representative was rude and unprofessional! I just hate BMO online banking services. Since Bank of the West got merged with BMO, everything has been not working properly. It's not like Bank of the West was good either, however BMO is the worst bank which, I have work with. BAD online service ( very difficult and complicated to use it ) and BAD customer service!!!!!!!
Product: Debt collection

Southwest Credit Systems is reporting collections to both XXXX XXXX XXXX accounts in the amount of {$1000.00}. I have requested validation of debt multiple times and have not received anything as of date. The most recent debt validation letter was sent to Southwest Credit Systems via certified mail on XX/XX/2023 to obtain more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report.
Product: Credit reporting or other personal consumer reports

I open a dispute with experian, I currently have things that are disputed and according to 15 USC 1692 c, 15 USC 1681B 18 USC 1028A, you violated of my rights by in lawful communications. I was never given and information the stuff thats was added to my credit file I keep opening disputes over has over again and they wont remove them I even sent letter to the creditor to send me a debt statement they never did therefore this shouldnt be on my credit file
Product: Checking or savings account

Huntington National Bank is my late Grandfather 's Trustee. Upon his death Huntington sold off his stocks and other interests in placed them in a Money Market account earning a meager .25 % while charging a fee of a full 1 % robbing the estate of .75 % annually. 

We vigorously objected to this and do not feel Huntington is acting with the Fiduciary Standards required by an XXXX XXXX XXXX  XXXX banking institution. We sent them examples of 30 CD 's earning 1.04 % and other higher yielding and safe investments. 

Currently the 10 year interest rate is over 1.5 % but as you can see in the attached documents, Huntington is collecting over {$7400.00} in fee 's while the estate is earning an embarrassing {$250.00}. This inaction by Huntington means they have stolen tens of thousands of dollars in principle unnecessarily and is a failure of their Fiduciary Responsibility and has been in place for now over three years with no end in site.
Product: Mortgage

Ditech ( they are really still Greentree, XXXX rebranding should not work! ) has not sent me confirmation of my XX/XX/XXXX payment, sent XXXX/XXXX/16 via my Bank 's Bill Pay System. I made this payment early since I knew Ditech is " upgrading '' their website starting XX/XX/XXXX ; it will be down until XXXX XXXX! I have no way of knowing if Ditech got this payment, and they do not respond to emails.
Product: Credit reporting

Switched from XXXX XXXX back to XXXX XXXX XXXX. At the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida was told by the store agent that no credit report would be required because I was with XXXX XXXX XXXX for 10 plus years prior to switching to XXXX for only one year. This all took place on XXXX XXXX, 2015 on XXXX XXXX, 2015 I received a credit alert from XXXX and XXXX XXXX XXXX did in fact request a full credit report not a soft inquiry and this action was against what I was told! I complained to the store on XXXX occasions XXXX occasion with XXXX the store manager and no help from them! I called the Office Of The President and spoke to a XXXX XXXX ( XXXX ) XXXX she took my complaint and stated she would call me back within 72 hours which she did not! I called her on XXXX separate occasions and left her my name and number to return my call reference my complaint and as of today have not received any contact from her! It appears that XXXX XXXX XXXX feels that the can mislead and be deceitful to the public and this does not sit well with me that 's the reason for this complaint! I am very careful and watchful of my credit and with this unauthorized action by XXXX XXXX XXXX has cost me XXXX points off my credit score and additionally remains on my credit file for 24 months from date of inquiry! My resolution requested is to remove this credit report requested by XXXX XXXX XXXX and they be held accountable for being deceptive to me and most likely many others to gain business!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I was charged XXXX for a XXXX ride and I was charged twice i tried to contact Cashapp and I wasn't able to contact anyone about this situation. On XXXX i had a unauthorized payment but I didn't have the amount in the account so it declined I tried to contact Cashapp to block the transaction but I wasn't able to get anyone on the phone. I also believe over the years I was Over charged for drafting out my cash to my account instantly.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : Capital one auto finance
Product: Debt collection

From XX/XX/2020 through the present. I have been receiving communication from Discover in Statements on Alleged debt that is owed. The Truth and Lending Act is intended to inform consumers of credit, and I have been deceived concerning the information in my consumer credit transaction. According to 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am the original creditor ; I am Protected as a consumer against the alleged debt 15 USC 1692a ( 3 ). According to 15 USC 1692e ( 11 ), Failure to disclose in the initial written communication with the consumer and also, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. According to 15 USC 1692b ( 2 ), Any debt collector communicating with any person shall not state the consumer owes any debt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, WI failed to Bill Medicare within the 1 year limit for services. They have turned the account over to Transworld Systems Inc. for collection despite my providing proof from Medicare that this was an error their part.