23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Franklin Collection Service , Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company contacted me back in XXXX about an unpaid debt with XXXX. I had advised them I was disputing the debt and that I requested a cease and desist. The calls stopped until XX/XX/XXXX which they attempted my cell phone, couldn't reach me, then called my office number. I told the man that I would not be verifying any information, that he wasn't supposed to be calling me and he told me that they had never talked to me before today. It is not the consumer 's error if they do not document their accounting properly. I told him that was not correct and as I was trying to ask them not to contact me again he hung up on me. These additional phone calls are harassing and a violation of the FDCPA in multiple ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to pull my credit report and was unable too, I even tried to open a XXXX XXXX to get my report it says that my name and social has been used already and it gave me the name of the persons email that has been using my account for my credit. I will post in the document section below the email address that was used on XXXX XXXX to access my account. I was also unable to get access to my credit reports or Equifax XXXX  an XXXX. I will be sending an identity theft document to the 3major bureaus.
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 ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution and process, was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Debt collection

someone has used my information to open this account fraudulently from when my identity was stolen and this company continues to report this debt as mine when it is not .... I have filled out police report and identity theft affidavit in this matter and have had it notarized as to this account being fraudulent ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a inquiry was made on my credit was not authorized by myself by XXXX XXXX I myself did not ask for this or know anything about it. 15 U.S.C 1681i ( a ) states that all information be correct by finding of thorough investigation if not this must be DELETED from my credit report! Furthermore 15 U.S.C 1681 states to credit bureaus that I have a right to privacy as well as confidentiality as they have an obligation to fair and accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Bank account or service

i attempted to obtain a small XXXX loan through my bank (bank of america), however i was not allowed to fill out an application because i did not make $XXXX a year.
Product: Debt collection

I have received many harassing emails from this company in regards to them attempting to collect multiple debts. I am still receiving letters and emails after I requested them to stop contacting me. LVNV is not licensed to collect debts in the state of Georgia. Which makes the constant emails and letter illegal. I have sent letters to the company requesting them to cease contact with me with no response I have verified that LVNV is not licensed to collect debt in Georgia by searching the consumer access site using XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$670.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get this collection off my credit report. It was NEVER a collection account, it was an auto loan but still they are reporting it incorrectly and have not changed this even though I have contacted them several times. 

The account is now XXXX XXXX XXXX XXXX XXXX XXXX. Please delete this account off my credit report. 

XXXX is still reporting monthly status and its been closed for XXXX  years!
Product: Debt collection

XXXX XXXX XXXX [ XXXX XXXX XXXX, XXXX, GA XXXX ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear National Credit System, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that National Credit Systems has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604.

Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies.

This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy.

In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer.

Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports.

I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance.

I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, National Credit Systems promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA.

Additionally, I expect National Credit Systems to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. 

Failure to comply with these requests within the stipulated XXXX timeframe will be considered willful noncompliance and may result in civil accountability for National Credit Systems , as provided under Section 616 of the FCRA. 

Done in good faith.
Product: Bank account or service

I have opened a bank account at PNC Bank, last month and i have been waiting for my check book, and have not received it, but there is a check on your account that has been cashed without my permission or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile has inquiries I did not make. I already asked the credit bureaus to remove them and that it was fraudulent but they didn't care to remove them. They were all made through fraud. I dont have any credit cards or accounts with these companies. I was told to file a complaint through CFPB. 

XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX ) EXPERIAN XXXX XXXXXXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX
Product: Money transfer, virtual currency, or money service

I called my bank which is Chase on the week of XX/XX/XXXX. I asked a question of how XXXX XXXX   XXXX works. The operator told me that my account is secure through the bank and all funds would be protected. I made a purchase on XX/XX/XXXX to a online company through XXXX by the name of XXXX the purchase was for {$950.00}. As of today i never received my items, a email of confirmation, a tracking number or nothing of that sort. I was informed from another purchaser that the page was a scam and fraud, that they have been taking money from people for a while now and not sending the items. I called my bank ( Chase ) on XX/XX/18 to put in a Claim because I was informed from the operator earlier in XX/XX/XXXX that my funds would be protected. I called my bank informed them of all the information I received and how I found out that the page is a scam. My bank told me it was nothing they can do because i authorized the payment through XXXX XXXX. I then told my bank but since now finding out that the account was a fraud i was duped out of my money. I told my bank I have copies of the conversations between me and the owner of the boutique. My bank didnt care to listen to my argument and straight out told me Im lost out on almost {$1000.00}. Is there any way you can help me get my funds returned please!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax for their failure to conduct a proper and thorough investigation into multiple disputes I have filed. 
The disputed accounts contain erroneous information that is negatively impacting my credit score and hindering my ability to obtain credit. Despite my repeated attempts to rectify these inaccuracies through the proper channels, the response and action from Equifax have been unsatisfactory and non-compliant with the Fair Credit Reporting Act ( FCRA ) & The consumer Law 15 U.C.code 1681E ( B ) compliance procedures Accuracy of Report.
Product: Checking or savings account

I had two accounts opened for my XXXX XXXX in Bank of America, on XX/XX/2023 {$6700.00} were drawn towards XXXX XXXX Credit card, which DOES NOT belong to us, we do not have any account with XXXX XXXX. 

Then on XX/XX/2023 an amount of {$6000.00} were charged to XXXX XXXX XXXX XXXX XXXX XXXX, we DO NOT HAVE ANY account with XXXX XXXX,
Product: Payday loan, title loan, or personal loan

I submitted a previous CFPB compliant against one main financial offering a XXXX settlement and requesting for the Lawsuit against me to be dropped, however a I spoke with a representative from one main financial and she indicated that one main financial had 60 days to give a response and she would note it on the account.
Product: Credit card or prepaid card

CAPITAL ONE closed my consumer credit card account and refused to honor my instrument and offset the debt. This is a violation of 12 CFR 1026.11, due to the noncompliance and the closing of my consumer account.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, these credit reporting agencies have violated my rights as a protected consumer.15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under a open ended consumer credit plan as late for any reason. 

These CRAs have violated my rights under the Privacy act of XXXX  time and time again. 

Update consumer report as having no late payments and every month as paid as agreed on all open or closed accounts.
Product: Credit card or prepaid card

I live in XXXX Florida and live in a county that was declared a federal disaster area with Hurricane Irma. I got evacuated and was living in a shelter. I lost work and got behind on many of my bills, including rent and car payment. I have a MasterCard with Capital One and last XXXX, I filed a complaint against them with the CFPB, because theyunlike my other creditorswould not defer a payment for the month of XXXX. Only after receiving my complaint t with the CFPB, did Capital One contact me and say they would defer XXXX payment. 

I am still having financial problems related to the Hurricane, because getting behind on your other bills often results in extra fees. I mistakenly did not pay my XXXX bill with Capital One, becaus I thought my account was incorrect t when I checked it online and did not have the deferred payment figured into my account. I thought the online record was a mistake and that the XXXX payment was not due, because my account was on deferment. Apparently, I was in error because of all the confusion on my account. 

So, I now find out that I really owe two months payment, rather than one. And if I dont pay my bill by Thur, XXXX/XXXX/XXXX, I will be reported to the credit bureau as being 30 days late. The problem is, I can not make the payment until the following day ( Friday ), when I get paid.

I talked to the Supervisor at Capital One and asked if they could defer reporting me to the credit bureau if I pay two months worth of payments as due, on Friday instead because of the mixup and my financial difficulties due to the hurricane. They said NO. They will not help me at all. 

I am trying to keep my credit history good because I need to purchase a car and this will harm it severely. 

I am asking for the CFPB to step in and prevent them from reporting to the credit bureau because of paying one day later than the payment is due.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXX XXXX Account number XXXX XXXXXXXX