23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I tookna look at my report and there they were. A Unknow company named HARRIS & HARRIS, I was puzzled because of where they were located. The credit report had no phone number or account number i XXXX them address match. I called them i inquired about this unknow debt. I gave him my information they did not have me in their system by name ss phone address nothing. I asked the man how was it they were on my credit report he did not have a answer. He appologised asked me to call the credit bureau to get it deleted. XXXX sgould not allow some strange company to put a debt onnmy report with no due process i never eecieved a letter from them accusing me. I never got my 30 days to rebutt, thats unlawful. They are attorneys they should know about due process. When they buy these fraudulent fake debts they figure due process doesnt apply when trying to get paid. I got news, i want all the protections the law allots me. I do not consent and i want this resolved asap or i will seek remedies that has been put in place to protect us from predators like HARRIS AND HARRIS AND ENABLERS LIKE XXXX. Violating the privacy act, FCRA, FDCPA. I never signed a hipaa release form for any 3rd party to see my medical records. This fraud inaccurate False so called debt is hurting me my family in a pandemic. Send me the contract i signed with you consenting to doing business with you. No contract no debt.Delete this off my report within 30 days per the FCRA
Product: Debt collection

I have been called once from Simons Agency Inc back in XXXX when on my way to a close family members funeral. I told them I was not familiar with this debt and I was out of state and to please send me info on the debt. To date I have received nothing from them. That was my only communication with them till today. I received notification that I had a collection on my credit report and was shocked. I pulled a report and found this collection. I called and spoke with XXXX at XXXX ext XXXX and she told me someone spoke to me while I was at a funeral and I was going to pay them. I honestly had completely forgotten about the conversation with them as it was rough time when I had originally spoken to them and had no other written or verbal communication with them. I told XXXX that I was not familiar with this debt and have received nothing from them at all. Was not notified that this was an attempt to collect a debt nor of any right to dispute the debt or anything. I brought up my rights under the Fair Debt Collection Practices Act under part of the FCRA and how they were in violation of section XXXX. She stated she did not care and was not even going to discuss anything to do with the FCRA and only that I needed to pay my bill. I stated I wanted to discuss having this removed from my credit report while I checked into the account as I have never received anything on this account from them. XXXX stated all they would do is mark it paid with the credit bureau and I needed to pay it by Friday. I stated that I would be filling a complaint with the CFPB and to not contact me until I hear back from them and then ended the call. I received a call with in 5 minutes of ending that call. 

I have no problem paying the bill if I owe it. I feel I have the right to check into the original bill as I have not received any notification on it. In the meantime I do not believe this should be held against my credit. Simons Agency has violated several sections of the Fair Debt Collection Practices Act. I should be felt like I have to pay a bill to have my credit report updated when I do not even know if that bill is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint, for several items listed below on my credit report that is reporting inaccurately an has violated my FACTA rights under Code 15 USC 1681a ( 2 ) ( 1 ) these items include! XXXX XXXXXXXX account number XXXX XXXX late payment On XX/XX/XXXX. Also XXXX XXXX XXXX account number XXXX reporting late payment on XX/XX/XXXX. Including XXXX account number XXXX reporting late payment on XX/XX/XXXX. In addition to inaccurate account XXXX card account number XXXX. Open XXXX XXXX. Furthermore, all three credit bureaus are in violation for failure to complete and verified their investigation within 30 days or less and provide me an update of their findings to my credit report. This original complaint was filed XX/XX/XXXX. Also included in the dispute request to removal and deletion of an inaccurate address on my credit report. Including inaccurate inquiries by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX, XXXX there is a derogatory mark appearing on my XXXX Credit Report from XXXX XXXX. However, I do not recall ever taking out any lines of credit from XXXX XXXX. 

Specifically in dispute are the derogatory marks for XXXX and XXXX XXXX. In accordance with laws governing credit transactions in Kansas. XXXX XXXX would have been required to be registered with the Kansas State Banking Commissioner under K.S.A. 16a-6-201. I have checked with the Kansas State Banking Commissioner and they were not licensed with the Kansas State Banking Commissioner until XXXX, meaning any contracts would be void, as they did not have authority to enter into any contracts in Kansas before XXXX XXXX, XXXX. 

Additionally, I allege any such loans are in violation of the Kansas Consumer Protection Act, Truth in Lending Act, the UCC and are void because they fail to meet the requirement of having an original signature as required by Kansas Law. 

Finally, as I do not recall ever entering into an agreement for credit with this company I also never recall giving agreement for my credit to be pulled or to have this company report to my credit bureau, which I contend would have to have an original signature.
Product: Credit reporting or other personal consumer reports

I checked my inquiries and saw XXXX  XXXX XXXX XX/XX/XXXX on my report as a inquirie never applied for any credit. Capital one on XX/XX/XXXX never applied for any credit. XXXX XXXXXXXX XXXX again XXXX and Capital one again on XX/XX/XXXX. Than I see this XXXX  on XX/XX/XXXX dont even know what this is never applied. On XX/XX/XXXX XXXX appeared dont have any knowledge of this account.
Product: Debt collection

Incorrect assignment made to me of debt for " XXXX '' in Ohio. I have no accounts with XXXX and have not opened any account with XXXX, or affiliated institutions. I have not lived in Ohio since 1997. My past address from Ohio still shows on my credit report. 

I have disputed this incorrect assignment twice already and I need for the notifications and duns to my report to end.
Product: Debt collection

This Company- Commonwealth Finance , keeps reporting that I owe a debt I have paid in the past. I have disputed this info with the credit bureaus. Now, having done that, after reporting them to try to get the info removed from my Credit Report, they are now sending me a piece of mail showing they want me to pay for a different collection I know nothing of AND it shows the amount owed is {$0.00} but they want to collect anyway. I do not owe these people or those debts. What they are doing is not right! I want this company to stop reporting me falsely and trying to get me to pay money I do not owe. I have done my research and this company is well known for having class action law suits against it for this exact  thing including hundreds of reports to the XXXX for unlawful attempts at debt collections.
Product: Mortgage

Need release against me loan is very old and has been purged but they don't send letter or fax to state that .... that is chase Bank. I've talked to multiple times and still nothing ....
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX have NOT been accurately reporting my credit report. They are not reporting my XXXX XXXX Credit Card history of 13 years, 6 months
Product: Credit card or prepaid card

*This is a new complaint* During the period including XX/XX/2021, I was on deferment with the company. I have documented proof of deferment, due to not being able to pay my bill based on being affected severely by COVID. I have NEW DOCUMENTATION which shows this, however, the company refuses to review the new information.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}.
Product: Debt collection

Central Financial Control was sent a Cease and Desist letter and given 30 days to provide validation of the debt. They failed to do so which puts them in violation of FDCPA. They also failed to produce copies of any agreement granting them authority, to collect on the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a lawsuit between XXXX XXXX XXXX and myself. This went to court and was DISMISSED with prejudice by the judge on XX/XX/XXXX. This was to be removed from my credit report. I Have disputed with all 3 credit bureau 's. XXXX removed immediately. Equifax and XXXX still have not removed. I have disputed with both of these bureau 's multiple times, providing all documents. It is still on my Equifax and XXXX report. It continues to hurt my credit. XXXX XXXX still continues to report to these 2 bureau 's. I have spoken with XXXX XXXX finally on XX/XX/XXXX. The law firm that supposedly handled this case for XXXX failed to report back to XXXX the court order. That firm is XXXX XXXX  XXXX, XXXX. I am faxing the court order in to XXXX XXXX per their request to their legal dept. Legal analyst name given was XXXX. The fax # provided was XXXX. I do not know what else to do to get this resolved. There should be consequences for XXXX XXXX and this law firm, and XXXX XXXX 's for this undue stress. It is wrong on every level. I provided all documents to bureau 's and called and confirmed that they received. IF the bureau received copy of court order, why would they not automatically remove??
Product: Debt collection

Between  XXXX   XXXX  and now my daughter { name hidden } has tried contacting  Cooling and Winter  at  XXXX  to settled a judgement debt that I owe. She has been calling and calling to no avail. She spoke with a woman name  XXXX  who told her there were only  XXXX  agents that accepts call and they are in the garnished department. She and others has transferred NOT ONLY me ( but my daughter  )  to  XXXX   XXXX  out of the  XXXX  reps ) and we have left Voicemails after voicemails with specific instructions on when and how to call my daughter { name hidden }. On  XXXX   XXXX ,  2017 , my daughter received a call from someone name  XXXX   XXXX  who told her that before he can speak with her, he would need a letter of authorization from me. He advised her, once he received the letter, he will call her back. He gave her his email address to email the letter to  XXXX  XXXX  XXXX . The letter was written and signed by ME to allow  Cooling & Winter  to speak with my daughter regarding this judgement.  XXXX   XXXX  did NOT call neither myself or my daughter back. My daughter called the same day, the next day and the next day to no avail. She even left a message and we quote, " Why is it so hard to get in contact with someone to take care of this judgement? '' We have never called a collection agency just to be told there are only  XXXX  people that can help us with are debt and when we are trying to get a hold of someone to pay our debt in  FULL  it 's like pulling pins and needles. This makes no sense that we as the debtor is trying to pay and have something that is affecting my credit taken care of and have a very difficult time trying to get a hold of someone. I feel like this company is doing this to collect more money or something. This has taken too much time and energy for something that we are trying to pay and satisfy. This is a joke and a life within itself. It is  XXXX   XXXX ,    2017  over a month and no one has called us. She left a message on Thursday and Friday and again NO ONE, I repeat NO ONE has called back! At this point, I do n't know what to do but file a complaint against the company to them, news cast and anyone else who would like to listen to point out how when a debtor is trying to pay and satisfy their debt in full, a collection or judgement company is refusing payment and/or not returning their calls. Very sad and the  XXXX  is affecting me from purchasing a home. I would like this judgement remove for their incompetent, unsatisfied, in responsive actions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent the 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 and Regulation 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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Date Opened:XXXX Balance Owed : {$0.00} - late/Closed - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

Kohls/CapOne XXXX The basis for my dispute is ALLEGED - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after Kohls/CapOnefailed to notify  me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, Kohls/CapOne '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Kohls/CapOne failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve Kohls/CapOne is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.AppXXXX XXXX XXXX reh.den. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )
Product: Debt collection

I was first called on XXXX. They called from XXXX and left a message asking me to return a call to XXXX. They left a threatening message on my voice mail stating that the " processor will require 2 forms of ID and will serve me at my place of employment and will present to my supervisor if I am not present. '' They contacted me on my cell phone, my home phone and I 'm fairly certain they called my neighbor and left a message ( she is also a relative ). 

I called them back today, XX/XX/XXXX, after repeated calls. They answered as " XXXX ''. I asked them for their name and address and was given " XXXX XXXX XXXX '' although previously they said they were XXXX XXXX. The address they gave me was just a street address of XXXX XXXX XXXX. I asked if they had already sent a validation letter to the debtor and they stated yes. This is false - nothing has been received. 

I then asked them to provide the name and address of the debtor and they proceeded to ask if I was " XXXX XXXX ''. I stated I would not provide any info about myself without verifying who they were. 

I then asked for the last 4 of the social security of the debtor they were trying to reach. They gave it to me which was the final red flag that they were a scammer as a legitimate collector would not answer this. Incidentally they did have the last four of my social. I told them that I knew they were a scammer and hung up. 

I have no outstanding debts that are not current and any " payday loans '' I had were discharged in a bankruptcy.
Product: Debt collection

LENDMARK XXXX  this loan was taken out without my consent I contacted creditors do not respond to call, or letters ....
Product: Checking or savings account

My account was overdrawn by unexpected expenses after a road trip. I moved to South Carolina in XXXX, but it's been a slow process, going back and forth. I've been trying to transfer funds from my investment account, but Huntington National Bank froze my account with XXXX notice yesterday. I only found out when I called them. There were no issues with the investmet firm, XXXX unauthorized charges, and the account was in good standing before it overdrafted. I'm unable to work, as I can not buy gasoline.
Product: Debt collection

CBE Group is reporting a debt on my credit report for {$29.00} to XXXX XXXX. I do not and have not ever had any business or agreement with CBE Group or XXXX XXXX. I have not lived in an area where XXXX XXXX is even offered. I notified that this debt is not mine, and furthermore, the reporting dates are during a period when I had no permanent address. I was living in a hotel and have records of my previous address move-out date, records of my hotel stay, and record of when I moved into my next residence. This company is still fraudulently reporting a debt on my XXXX   credit report and I am concerned what other personal information they have of mine.
Product: Credit reporting

I filed dispute but the TransUnion will not recornize dispute. other than a number XXXX
Product: Credit card or prepaid card

BestBuy is automatically enrolling me in a upgrade, that i did not ask for.The upgrade is a new credit card that can be used anywhere, not just at BestBuy. If you do not call them or go online to there website to decline new card, you will be  automatically enrolled for a the credit card.
Product: Checking or savings account

I have a merchant account with First data. Out of nowhere they sent me an email asking me several questions about the business but before I could respond to the email someone called asking me those same questions. I answered all of those questions and emailed over the bank statements they requested on XX/XX/XXXX. They never mentioned putting a hold on my account. On XX/XX/XXXX they did not release my funds of {$2300.00}. They also held my funds from XX/XX/XXXX of XXXX They told me someone would follow up with me within 4 days. It has been 17 days, I cant get in contact with the risk management team nor has anyone reached out to me with a resolution for this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

They are upgrading free accounts without consent to a paid account service. Though the services provided may be nice we can not opt out without calling or visit a bank.

Issue 1 - no consent. They have notified but opt in automatically is not okay.

Issue 2 - their response on social media is forcing it down our throats and telling us to like it.

Issue 3 - opt out process is intentionally inconvenient and a dark pattern that is intended to discourage people from changing. This is a practice used by unscrupulous companies and reduces my trust in general with the company drastically. 

Issue 4 - two month " free trial '' is code for " you will forget about this in a while and not realize you are paying for it nor are you using the service. '' If everyone used this service to full extent they could not afford to provide it. This service is intended to be used minimally and they are relying on unsavory company tactics to get more money from their customers. Again another blow to the trust of the customers.