23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I moved into the XXXXXXXX XXXX. During that time I endured relentless harassment by the landlord. I have documented evidence. I also was denied services also of which I have evidence. Then, XXXX XXXX, the property manager denied my medications. When presented with evidence, she created a lie. She did not know the cards in question that she stated she allowed XXXX into my apartment and placed those on my door were actually sent in mail. 

I endured other vile acts by XXXX XXXX. 

Then, using TN State Statute ( Code 66 ) I notified XXXX of her harassment denial of services and other acts which were a violation of the law. I have the evidence to prove this. 

XXXX XXXX has been proven to be a lair. Everything she told me was a lie and can be backed up by documented evidence. XXXX XXXX, the liar, then again created an amazing story about a debt not owed since under TN statute we were allowed to leave without harm. XXXX again lied and created a debt not owed. She then sent it to a collection company knowingly that it was a lie. In doing so, this is an act of fraud. 

XXXX XXXX also misrepresented a material fact, knowing it to be a lie about medication required for a XXXX. I relied on this. This is not only a lie but can be inferred to be fraud as well. 

XXXX XXXX also promised me numerous times that she was doing something to basically earn my trust. I believed in her promises only to find out she was being deceitful. Promissory estoppel. Now, this same person, hit our credit with malicious intent to damage us. She continued her lies and harassment. 

We have suffere3d severe financial damage because of her. However, her attorney XXXX XXXX is just as responsible for these outrageous acts of creating something that doesn't exist. She represents the client and is confessing her fraudulent actions to harm innocent people is ok. 

We have much more evidence to show their abuse of the debt system.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures 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 ( 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 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: Credit reporting or other personal consumer reports

These accounts were open fraudulent without my knowledge or consent XXXX XXXX XXXX  XX/XX/XXXXXXXX  {$10000.00} XXXX  XXXX XX/XX/XXXX {$430.00}
Product: Credit reporting or other personal consumer reports

Due to IDENTITY THEFT and UCC 5-109 FRAUD AND FORGERY Personal information was breached now FRAUDULENT Inaccurate information has been furnished on consumer 's Credit Report pertaining to XXXX XXXX XXXX in the amount of {$920.00}, DEPTEDXXXX totaling {$15000.00} as XXXX and XXXX further incriminating themselves by allowing fraudulent activity to be furnished on consumer 's Credit Report before and after consumer confronts them about the inaccurate information and fraudulent activity in which XXXX XXXX XXXX INACCURATE FRAUDULENT ACCOUNT has been CLOSED as of XXXX, XXXX XXXX but has not been REMOVED off Consumer 's Credit Report. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as I am Demanding and ORDER said Campus to RELEASE The Credits from the XXXX XXXX Off Budget Account held off budget in the Federal Reserve Banks , held in Reserve as it shall be updated to an XXXX XXXX status as I am suppressing the Insurrection and Rebellion Monetary System via the 13th, 14th Section 3 and 4 and 15th Amendment..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/year> XXXX XXXX XXXXXXXX Subject : Request for Account Details Dear Sir/Madam, I am writing regarding the account listed under my credit report with the following details : Account Number : XXXX Creditor Name : XXXX BANK XXXX XXXX XXXX XXXX to clarify that I am not disputing this account. However, I kindly request the following information for my records : XXXX. The Date of First Delinquency for this account. 
XXXX. The Date of Last Payment made on this account. 
XXXX. The Date of XXXX for this account. 

Please provide the requested information in writing at your earliest convenience. I appreciate your cooperation in this matter. 
Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my Experian Consumer report. I have NEVER requested credit from the following 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 I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Experian report immediately!
Product: Credit reporting or other personal consumer reports

Hey hope all is well I viewed my credit report and seen that there was an inaccurate collections accounts being reported on my profile Ive never open this account and its being reported inaccurately i know its an violation under FCRA to report inaccurate information on ones credit report please remove from credit reports immediately Thanks. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I accidentally set up a XXXX fee payment for XXXX on XXXX. I called my bank ( USAA ) immediately to stop the payment because I was selling my condo. After I sold my condo ( after two weeks ) USAA made a XXXX payment from my account on XX/XX/XXXX. They said they couldn't stop the payment but once it is posted they would get my money back. 
But it turned out it wasn't as they promised me. After it is posted to my account they didn't refund my money back. They told me to contact the merchant. However I contacted the merchant many times but they aren't returning my money either. I believe USAA is the responsible party because I called USAA many times to stop the payment. But they didn't. They basically gave away my money to the XXXX. Now I can't get it back. I didn't receive any services in XXXX from XXXX, because I sold my condo on XX/XX/XXXX. I provided closing documents and post conveyance from the closing agent that states, that money needs to be returned to me. USAA needs to correct their mistake. I trusted USAA and therefore I kept my money there. Basically, they gave away my money to a merchant I didn't receive any service for XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding the accuracy of information on my credit report. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I recently reviewed my credit report and discovered a serious discrepancy that demands immediate attention. It has come to my notice that the reported account, specifically the XXXX  XXXX bankruptcy XXXX, inaccurately lists the Bankruptcy court as the furnisher. This assertion is not only misleading but constitutes an act of forgery, as the courts, upon inquiry, have confirmed that they do not report such accounts. 

Under the provisions of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), credit reporting agencies are obligated to report information with 100 % accuracy. However, in this case, the information provided is not only inaccurate but also involves the fraudulent use of the Bankruptcy court 's name. I have contacted the courts in my state, and they have categorically stated that they do not serve as a furnisher for credit reporting agencies. This discrepancy constitutes a serious violation and will be reported to the appropriate authorities. 

To further clarify, a data furnisher is an entity responsible for reporting accurate information about consumers to consumer reporting agencies. Examples of furnishers include banks, credit unions, and other financial institutions. However, in this instance, the reported furnisher, the Bankruptcy court, is not a legitimate source for credit reporting purposes. 

I have previously disputed this information under the provisions of 15 U.S. Code 1681s2, yet the furnisher failed to respond. Subsequent attempts to resolve this matter directly with the supposed furnisher have been fruitless, as they have asserted that they do not engage in reporting to credit agencies. This lack of communication with the source further emphasizes the inaccuracies in the reported information.

According to 15 U.S. Code 1681i ( 2 ) ( A ), a consumer reporting agency is required to provide prompt notice of a dispute to the furnisher of information. In this case, the furnisher should have been notified promptly, and the disputed account should have been appropriately notated on my credit report. However, it appears that this process was neglected, and the Bankruptcy court 's name was erroneously included on my report. 

I am demanding the immediate removal of this inaccurate item from my credit report. Failure to rectify this situation promptly XXXX result in legal action, as the inclusion of false information on my credit report constitutes a criminal act of forgery. I expect to receive confirmation of the removal of the disputed account and appreciate your cooperation in this matter. 

Account Name : XXXX  XXXX Bankruptcy XXXX Reference Number : XXXX Thank you for your prompt attention to this matter. I look forward to a swift resolution
Product: Checking or savings account

It was XXXX p.m XX/XX/XXXX Alaska time, when I decided to pay for my friend 's dinner. So I then opened up my Wells Fargo app to see my account balance. It came to find out that thousands of dollars were siphoned off of my credit card and checking account. I notified Wells Fargo that very night. 
They closed my credit card and checking right away. They then opened up an investigation and sent me an affidavit of Online Fraud form to fill out. 
On XX/XX/XXXX, I went to a local Wells Fargo bank and opened up a new account for credit card and a new checking account. 
On XX/XX/XXXX, they sent me a letter and told me that I authorized those transactions and there is nothing they can do for me. 
Only XX/XX/XXXX, I then painstakingly filled out the affidavit form and listed every item that I did not authorized in my credit and checking account and faxed the form to them Only XX/XX/XXXX, I also sent the same form thru snail mail on U.S Postal certified. 
This is what is listed on that affidavit : XX/XX/year> {$270.00} were with drawn online. 
XX/XX/year> {$5500.00} cash advance XX/XX/year> {$59.00} interest cash. 
XX/XX/year> {$4800.00} online advance XXXX XXXX {$240.00} cash advance fee. 
XXXX XXXX {$5500.00} were deposited into my checking without my authorization. 
XX/XX/year> {$4700.00} XXXX  XXXX online XX/XX/year> {$4700.00} XXXX  XXXX online XX/XX/year> {$4800.00} were deposited online from Wells Fargo without my approval XX/XX/year> {$4800.00} Bill pay from XXXX  XXXX. 
My new credit card has another unauthorized activities XX/XX/XXXX, {$6500.00} were deposted XX/XX/XXXX, {$6500.00} were taken out. 
XX/XX/XXXX, {$53.00} interest charge XX/XX/XXXX, {$270.00} interest charge on cash advance All of these amount to total of {$15000.00} that were stolen from me. They were taken place without my authorization.
Product: Credit card

I was called by CitiBank on XX/XX/XXXX and told I had some charges to my account that they wanted to verify that I had made. There were XXXX charges totaling {$4600.00}. I told them I had not made any of the charges. They said they would lock my account and take care of the charges and send me a new card. ( This took over an hour on the phone ). The representative called me again on XXXX  and said he wanted to set me up with text notices from CitiBank as it was the best way to alert me if there were ever any more bogus charges on the account. ( This took XXXX phone calls and over an hour of my time again ). He told me he was unable to set me up with text notices ... altho while we were talking I did receive XXXX texts from CitiBank but apparently not the kind he wanted me to get. Anyhow I figured problem solved ... my new credit card will arrive by XXXX  XXXX. Later on XXXX  I notice XXXX more charges on my ( locked ) account that I hadn't made ... totaling {$650.00}. Also a notice on my account that I needed to call them about a fraud problem. So I called the number and the representative told me that he could not tell me anything about my account because I could not give him a verification code that I should have received by email or by text. I have never received any kind of verification code. He said I would have to wait until I got a letter in the mail with a code on it to prove that I was me before he could do anything about my account or tell me anything about my account. This is after I gave the earlier representative my phone number, account number, social security number and bank account number... .I was very uncomfortable giving him all that info. but I did it anyway. So now I await a verification code coming by mail ( 3-7 days ) so I can use my account and make sure they block the charges that posted on XX/XX/XXXX & XX/XX/XXXX. In the mean time I have received a text on XX/XX/XXXX saying that they are sending me a new card... I thought they couldn't text me?! If you XXXX " Having trouble with verification code for CitiBank '' there is a loooong thread of complaints about this same issue. 
I am now in the process of searching for a new credit card company.
Product: Prepaid card

Terms were not followed refused to help after their own rep told me at XXXX XXXX it was indeed their fault. I contact at XXXX XXXX and was seeking status first person disconnect chat 2nd person then told me I wasn't eligible and to read terms. I sent terms again and asked them to explain as I had everything they disconnected. 

. Eligibility for XXXX. 

Initial Eligibility. To become eligible for a XXXX Account, you must meet all of the following requirements : You are XXXX ( XXXX ) years of age or older ; You live in a state where XXXXXXXX  is offered ( see State Eligibility in this Section, below ) ; You are a member of Chime Financial , Inc. ( Chime ) with a Chime checking account ( Chime Checking Account ) in good standing with Bank ; You have activated your physical Chime Visa Debit Card, or have an open and active physical Chime Credit Builder Visa Credit Card or Chime Cash Rewards Visa Credit Card ; You have downloaded the Chime mobile application ( Chime App ) from either the XXXX XXXX XXXX or XXXX XXXX XXXX ; and You have received any of the following, determined at the time of XXXX  Account opening : two ( 2 ) Qualifying XXXX XXXX Deposits from an employer, payroll provider, or gig economy payer of {$200.00} or more per deposit in the preceding thirty-four ( 34 ) days ; one ( 1 ) Qualifying XXXX XXXX  Deposit from an employer, payroll provider, or gig economy payer of {$200.00} or more in the preceding thirty-four ( 34 ) days and added an Additional Data Source ( as defined in this Section below ) ; or one ( 1 ) Qualifying XXXX XXXX XXXX  from a known government benefits payer ( such as the Social Security Administration or Department of Veterans Affairs ) of {$200.00} or more in the preceding thirty-four ( 34 ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items. I demand these accounts be delated immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach.
Product: Debt collection

In XX/XX/XXXX I opened a car insurance policy, I made my dad a driver on my insurance. Unbeknownst to me my father had a previous debt with XXXXXXXX XXXX in the amount of {$4000.00} due to Covid. The debt was placed on his credit. On XX/XX/XXXX my fathers debt was transferred into my name. My father and I reached out to the company and tried to have the debt transferred back into his name. The company said that I should remove myself from the policy so that it's in his name. Because the policy was in my name and I was the primary driver I wasn't allowed to remove myself from the policy. My father then removed himself from the policy with hopes that the debt would follow him but it still remained in my name. I received a collections letter in XXXXXXXX XXXX XXXXXXXX. I asked the collections agency was a way to transfer the debt to him. I was told to provide supporting documents that it was indeed his debt because when they received the debt it was only in my name. I then reach out to XXXX XXXX  again in one last attempt to transfer the debt back into his name. The rep said they could possibly reopen his account and put the debt back in his name but once I spoke to the finance department they reiterated that they weren't willing to transfer the debt back to him. The original rep expressed that she believe they transferred the debt onto me because they believed he was either trying to avoid the debt or the premium. I don't recall exactly which one. I then requested a letter basically stating that the debt was originally his so I can have valuable supporting documents to provide the credit company. They said they would check and see if it was such a letter available but I haven't heard anything since. I'm XXXX XXXX XXXX with a XXXX  year facing my own financial hardship. I don't believe I should be held liable for a debt that is obviously not mine. As well as the fact that my father has owned his debt on a recorded line with both the insurance agency as well as the debt collector. So I currently have a {$4700.00} debt in my name which is hindering my credit building process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has used my consumer report improperly by reporting information involving medical transactions with XXXX XXXX Which is a violation of HIPPA act. XXXX XXXX does not and never has had expressed or implied consent from the consumer to report non public personal information without any valid court order or direct consent from the consumer which is also a violation of FDCPA 15 usc 1692. I. XXXX XXXX XXXX does not have any written contract stating that XXXX XXXX owes XXXX XXXX anything. XXXX. XXXX XXXX does not have any contract with any signature on it with XXXX XXXX which is a violation of 18 usc 894 conspiring against me in coercion to pay a debt that is not owed. XXXX. XXXX XXXX is in violation of XXXX  of persons per 18 usc chapter 77. XXXX. XXXX XXXX Is in violation of 15 usc 1692 for violating the permissible purpose of a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a collection of {$900.00} from XXXX. This apparently was from a XXXX XXXX account. I have never had XXXX XXXX in my life. I spoke to a rep at XXXX XXXX in XX/XX/XXXX, and they said they had no record for me. I have disputed this several times with Equifax, but every time I do, XXXX reports it as just opened. I spoke to an Equifax rep and the latest dispute was XX/XX/XXXX and XXXX reported it opened in XX/XX/XXXX. How does that even make sense? I 'm trying to buy a house.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts contain inaccuracies regarding reporting, inaccurate amounts, and dates.
Product: Debt collection

Ive tried to resolve this matter and prove to the company Im a victim of identity theft, Ive filed a report with the ftc as well but the company hasnt yet to do anything to resolve and fix the matter
Product: Payday loan, title loan, or personal loan

I am continually being called, harassed, and threatened by XXXX XXXX   representing Ace Cash Express over an alleged debt that involves my son XXXX XXXX. Every morning and evening I am being called and threatened to be served Civil litigation papers on his behalf of Ace Cash Express, from the following numbers XXXX, XXXX XXXX XXXX XXXX. 
My family members XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX As you are quite aware this action is in direct violation of FDCP 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties.
Product: Credit reporting or other personal consumer reports

XXXXime has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX