23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Flex Shopper calling 12-15 times per day, everyday for a {$60.00} debt. 
Calling from various Rhode Island and New York phone numbers. 
Asking me to confirm information for the debt, when they calling me, so I refuse to give or any payment over the phone, as I cant be guaranteed its not a scam. 
I told operators numerous times to stop calling and send official mail, if they like to settle claim, they refuse and continue to call many times per day and even putting my work position in jeopardy due to the high calls. 
i have my phone loggs to prove this harrassment by Flex Shopper & furthur will NEVER do business with them ever again, nor do I recommend anyone i know to do business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed placed a security freeze on my Equifax credit report on XXXX ending on XXXX. " FILE FROZEN DUE TO FEDERAL LEGISLATION. '' Although a credit freeze had been placed on my account : XXXX inquiries are listed on my Equifax credit file that I did not authorize. They are listed below XXXX. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX. 

Equifax is in clear violation of FCRA 604, under permissible purposes of credit files. They are legally obligated to furnish permissible proof of the authorization of creditors to view consumer 's credit file, when consumer requests such documentation. I have requested this information two times. 
Equifax Information Services LLC is in direct violation of FCRA law by not deleting these inquiries from my credit profile. 

Please see the following documents that I have attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bank made an inquiry on my credit report on XXXX XXXX I didnt make any inquiries
Product: Vehicle loan or lease

Ally mistakenly paid off my vehicle on XX/XX/2021. Called on XX/XX/2021 after receiving an overpayment check. Told 1-2 business days for contact. No contact called on XX/XX/2021 no help again told I would receive contact on XX/XX/2021 no contact. Called on XX/XX/2021 again no progress, contacted Ally fraud department to report no contact. Was instructed to make a report to NC insurance and to this agency. Every time I have contacted Ally they act like this is the first contact, they asked me to Contact the insurance company XXXX XXXX ) which is not my insurance and XXXX has no record of this. The amount paid was {$12000.00} and according to Ally the title was sent to XXXX. My vehicle has been in no accident. My contact number is XXXX email XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Last four of XXXX D.o.B XX/XX/scrub>XX/XX/XXXX Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintain. I received a response stating that the accounts were verified. 
I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is require. to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

XXXX. Account XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX. Acount XXXX XXXX XXXX Account number : XXXX Per the FCRA you are required to provide this information within 5-10 Days or delete the negative items from my credit
Product: Debt collection

XX/XX/2024 received a letter from the debt collector in an attempt to collect. On XX/XX/2024 I sent them a certified letter, returned receipt to validate the debt, requesting specific information and informed them to NOT send statements giving them 30 days to respond with the information. I requested all items as previously stated. On XX/XX/XXXX after receiving another request for payment and none of the items I requested, I sent another certified letter, returned receipt to advise them they had not responded with the requested information within the 30 days, in accordance to the FDCPA Consumer Validation Request and to cease and desist all communication regarding the alleged debt. On XX/XX/2024 I received yet another statement, with a letter stating this was " additional documentation '' for my review, but again, not any of the requested documentation. Portfolio Recovery Associates has clearly ignored my request, yet continue to harass me on an alleged debt they have not proven is my responsibility.
Product: Debt collection

I.C systems is trying to collect debt of {$900.00} from me for a medical bill they claim I owe. I previously wrote a letter demanding that they comply with the fair debt collection practice act and fair credit reporting had this removed from the credit report and it continuously get placed back on my reports. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Delete this account.

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account.

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX/XXXX/2024, and I have not yet received a response.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Truist Bank in XXXX WV, opened a fraudulent checking account with a person claiming to be me. The checks were IRS XXXX money  checks in the excess amount of XXXX. The checks were made out to my business XXXX XXXX XXXX. The endorsement was just initials. The bank will not give us any information, even though they called us to let us know what had happened and they did not get suspicious until the XXXX  was taking out cash! These checks had an address of XXXX WY and the person opened up the account in West Virginia -- - red flag i would think! 

I want to know if this bank actually followed protocol and sent these back to the Fed as fraudulent or endorsement not as drawn. 

This is a lot of money that they gave out! And they will not communicate with us at all even after we filed a police report. They are not working with our Police dept either! 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received updated report from Transunion my credit file has been shared with other person file this is the 3rd time this year that this mistake has happend not only my credit file has been shared with someone else also there is a collection place on my credit file that is not mine my credit score was XXXX on Transunion the coolection dropped my credit score by 33 points im in a middle of getting a busniss loan this mistake by Transunion it's distroying my chance to get the loan i payed all my credit cards to have a low utilization i made sure that my credit looks good to qualify Im verry dissapointef how  Transunion keep making the same mistake im attaching a copy of the report dated XX/XX/2018and also one dated XX/XX/2018 Thank You
Product: Credit reporting or other personal consumer reports

Im NOT disputing ownership of this loan! 
My dispute is to question WHY Shellpoint mortgage CHANGED information that was verified as accurate on my credit report for 14 months twice! It is an obvious attempt to corroborate inaccurate information with XXXX XXXX XXXX. I will provide documentation showing changes made on XX/XX/XXXX reflecting 3 payments made XXXX, XXXX & XX/XX/XXXX. The very next day XX/XX/XXXX, 3 payments show XXXX, XXXX & XXXX, XXXX! From XX/XX/XXXX when previously last reported, until XXXX XXXX this account shows verified as accurate with payments received in XXXX, XXXX, XXXX and XX/XX/XXXX! It IS very important information to me because I rely on ACCURATE credit reporting especially this account as its the only one ever reported late in over 30 years! I question why it was changed 14 months after transfer.
Product: Money transfer, virtual currency, or money service

Today XX/XX/20 @ about XXXX XXXX  cst I attempted a international wire transfer with Western Union by phone and after giving some information I was then asked for an email address. I said Id like to have my receipt sent to my home address and was told I still needed an email. I was sure this was not the case as Ive made many transfers before so, I asked for a supervisor. A lady identified herself as Supervisor XXXX XXXX confirmed that that was in fact there rule. I asked and she was NOT able to tell me where I could read this rule but she couldnt honor my transfer without it. I feel like they only require this information of certain people and the rule discriminates against people who dont use the internet and email if, this is in fact there rule. In the past, I was always given the option of If I didnt have an email a receipt would be sent to my home.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute in XXXX information that XXXX XXXX XXXX is reporting to the consumer reporting agencies XXXX XXXX and Transunion regarding my account despite multiple disputes and the submission of evidence the inaccuracies remain uncorrected causing significant harm to my credit profile and impacted my ability to secure employment and transportation I have made numerous complaints and disputes regarding XXXX XXXX XXXX, account number XXXX, and the CFPB, the consumer reporting agencies ( XXXX, TransUnion and XXXX ). All these agencies have disregarded to even look at my complaints and disputes. 

If this account name : XXXX XXXX XXXX # XXXX is verified to be accurate and complete through the creditor and these above agencies, WHY IS? 
1 ) FAILURE TO MARK ACCOUNT AS DISPUTED : Despite my repeated dispute the account has not been marked as disputed, which violates the Fair Credit Reporting Act ( FCRA ). Under section 611, credit reporting agencies are required to indicate that an account is under dispute.

2 ) ACCOUNT BALANCE : XXXX XXXX XXXX is reporting a balance of XXXX. However, I have received verification from XXXX XXXX XXXX XXXX, acting on the behalf of XXXX XXXX XXXX as debt collectors indicating that the balance on this account is {$0.00}. Despite this documentation the credit bureaus continue to report the incorrect balance.

3 ) DATE OF LAST PAYMENT : There are discrepancies between the date of last payment and the date of last activity as reported by the credit bureaus these dates are inconsistent which affects the reporting period for this account.

4 ) INACCURATE PAYMENT HISTORY : XXXX is reporting misleading and inconsistent payment history data including marking months as " OK '' even though the account is " CLOSED AND CHARGED OFF ''.

SUMMARY OF FCRA VIOLATIONS : - Failure to correct inaccurate information despite being provided documentation in violation of Section 623 of the FCRA.

- Failure to properly reinvestigate my disputes, in violations of Section 611 of the FCRA.

- Failure to mark the account as disputed as required by the fcra after multiple disputes were filed.

IMPACT ON MY CREDIT AND MY EMPLOYMENT : These inaccuracies have severely damaged my credit score, making it difficult for me to obtain transportation and secure employment causing significant financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card

I requested a balance transfer with XXXX XXXX Barclays credit card to pay off my XXXX XXXX card on XXXX XXXX. After I requested the balance transfer I have called XXXX XXXX multiple times between XXXX XXXX to XXXX XXXX to check the status because XXXX XXXX says it 's posted but the XXXX account does not show the balance transfer. I even repeatedly ask XXXX XXXX to investigate the issue but the representative keeps saying if the account number I entered was correct, the payment will go through and post on my XXXX account. On XXXX XXXX, XXXX XXXX 's representative told me that they are going to investigate, but a later conversation with a XXXX XXXX supervisor reveals that there was no investigation. On XXXX XXXX, XXXX XXXX finally agreed to investigate but provided no update to me until I called again today. Today on the first call the XXXX XXXX representative says the issue was still under investigation. On my three-way call with XXXX and XXXX XXXX later today, the account number was verified to be correct but XXXX says XXXX XXXX used a wrong delivery method. XXXX XXXX keeps denying that they made false representations and refuse to refund me the interest I was charged because of their mistake. XXXX XXXX offered to do the balance transfer again at the same term as a resolution, but does not guarantee that they will use the correct method to delivery payment, which means it is not a resolution at all. I am very disappointed because XXXX XXXX 's repeated misrepresentations ( all of the conversation were recorded on XXXX XXXX 's side ) has caused me to pay extra interests on my balances on my XXXX account that I could have avoided.
Product: Vehicle loan or lease

I paid my loan off over 3 weeks ago and still have not received my title.
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 XXXXXXXX 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 an 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 reporting or other personal consumer reports

On XX/XX/XXXX, I emailed the XXXX  XXXX XXXX Bankruptcy Court a letter asking does the court report bankruptcies to the credit bureaus. I received a letter stating the following : The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. If this is the case, I need to know how the credit bureaus verified my bankruptcy file numbers XXXX, XXXX  XXXX Bankruptcy and XXXX, XXXX XXXX Bankruptcy as 100 % accurate. Please advise me of the dates and times of the fair investigation according to 15 USC 1681. 15 USC 1681 Section 603 ( 3 ) ( E ) states : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information, however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 15 USC 1681 Section 602A states I have a right to privacy. 15 USC 1681 Section 604 A states A consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX 2. The following personal information is incorrect Employers : XXXXXXXX XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX