23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX   Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this  document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Mortgage

This has been an on going problem since XXXX my family home was taken by an illegal foreclousure.my father passed away in XXXX  i was trying to keep the family home, in which was in his trust but wells fargo never gave me the opportunity to do that. they gave me fraudulent paper work, in which I have, never offered any help, would not accept payments, gave me phone numbers to people out of state instead of people in XXXX, the loan they gave my father was the scam pick a payment. I have tried on numerous occasions with wells fargo, and every time they start talking with me and nothing, cant get a hold of anyone, no one calls me back. they owe me the cost of my family home. and i will continue to file complaints, until they fix what they did.
Product: Debt collection

Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX IN CO ), Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Please verify this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with equifax on 2 different occasions about an account that is list in my credit report twice. Each time they have done their investigation they have said both accounts are correct. This last report they sent me after my dispute I saved. It clearly shows that the 2 accounts are duplicates. They even list the exact same account number. I have also disputed the fact that the collection agency is charging interest on the account and I have been informed that a collection may not charge interest on an account that wasnt part of the original contract but this company is trying to charge interest on the account. I dont know what this collection is or when I supposedly owe this or for what but I can see that it is a medical collection and so Im guessing it is an old hospital bill. All the times I have been to the hospital nowhere have I seen it state anything about being charged interest. Both equifax and XXXX and associates have clearly violated the fair credit reporting act. Equifax by not performing a real investigation into this account and XXXX and associates by reporting false and inaccurate information.
Product: Student loan

Dept of educationXXXX you are reporting fraudulent loans on my credit report. 

I have 4 loans on my profile that has not verify and shouldn't be on my report. 

I have satisfied the default status and this account needs to be deleted. 


Dept of educationXXXX open XX/XX/2012, for account XXXX, open XXXX XXXX. XXXX XXXX and XXXX XXXX, I have satisfied the repayment options and these account needs to be deleted asap,
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. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened XX/XX/2014 XXXX {$0.00}.
Product: Debt collection

I have a credit card fraud few years ago, which is {$550.00} from my XXXX credit card, and the transaction was with XXXX XXXX. Finally the issue was resolved by the bank and XXXX, and the money was refunded. 

On XXXX 2015, I saw in my XXXX credit report, there is a collection from a third party collection company " XXXX '', with {$550.00} amount, stating XXXX. I worked with my bank and the collection agency and finally resolved after few weeks painful work. It was finally removed. 

On early XXXX 2015, I noticed the collection is back to my credit report again with a different collection agency " Diversified Consultant '', on my XXXX reports. 

It 's been ridiculous, and it 's extremely painful to work with XXXX XXXX and the collection agencies, since I was never a customer of this company, and each time I contact XXXX, customer rep always states I was not a customer, and they do n't have my info. And collection agency always ask me to get info from XXXX XXXX. 

It 's illegal to collect a debt that I do n't owe ( and resolved by bank and debt owner few years ago ), and repeatedly show up in my credit report with different collection agencies.
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 Regulation 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.
Product: Credit card

On Fri, XX/XX/XXXX, I recd a letter from a Comenity Capital Bank telling me that my application for an " Alphaeon XXXX Account '' had been denied. I have never even heard of such an acct, and they claimed they didn't have any info as to who applied on my behalf.
Product: Debt collection

I had XXXX XXXX XXXX XXXX for a few years. When we decided to move to another state I called XXXX XXXX XXXX and cancelled our internet on XX/XX/2018. I was informed that we need to return our equipment within 21 days. I received the box and shipping label and the next week took the equipment to a XXXX store and sent it out. This was the first week of XX/XX/2018. In XX/XX/2018 I recieved a letter I was being sent to collections for a total of {$160.00} for XXXX XXXX XXXX citing 'equipment wasn't returned '. I called and they opened up a case for me. In XX/XX/XXXX I recieved my collections letter. I called XXXX XXXX XXXX back and gave them my case number and she found that 'The equipment was in the warehouse the entire time. It was recieved in XX/XX/2018 ' So this was just a mistake on their part. A mistake that is ruining my credit! I XXXX a simple XXXX wrongfully sent me collections ' and found pages after pages of people going through the exact same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - 1. Called credit to pay collection, XXXX XXXX transferred me to another ( department she said ) when in fact it was another company to pay the collection. I paid the collection. XXXX  XXXX continues each month Failure to Pay " FP '' each month affecting my credit and my home purchase, job prospects by reporting that I am late on a paid, closed account. The collection agency updated account to the bureau as paid and settled and even removed the account from all 3 bureaus. All 3 credit bureaus continue to report even though I have sent them certified letters to remove these errors and update and/ remove the account. I would like this account removed. 
They sold the debt and continue to report. This not right. I would like this account removed I have called XXXX  XXXX several times about this matter, Even offered to pay them directly they refused to remove or update the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and XXXX is trying to collect on an unknown debt for XXXX XXXX in the amount of {$6900.00} dated XX/XX/19. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Product: Vehicle loan or lease

I took out a loan for a XXXX XXXX XXXX XXXX XXXX. The loan amount was for 60 payments 5 years. I have paid the amount of the loan and interest. The company has added 19 more payments. In addition of paying 60 months worth of payments the company is still charging me and refuse to give me their Ein despite me asking each year for tax purposes. I am requesting that all payments be considered fair and good consideration under the provisions of the CARES ACT and that anything over 60 payments including an additional {$1000.00} be credited back to my XXXX XXXX Account and the title be sent to me immediately. FlagShip action are illegal in the extent of Violation of CARES, extortion, fraud and treason which all are punishable by law.
Product: Debt collection

I am a natural person, I am a living human being. I have rights under law 15 USC 1681. Zions Debt Holdings LLC is govern by 15 USC 1681. And has violated my consumer rights numerous of times. I demand removal from this account off my credit file. According to 15 USC 1681 : I have rights and i did not give XXXX XXXX XXXX XXXX written permission to furnish this account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent, by XXXX, two money orders ( {$980.00} and {$1000.00} ) to Capital One Bank to deposit into my account. These money orders were received and depsoited into my account onXX/XX/XXXX. OnXX/XX/XXXX, the two money order deposits were reversed by Capital One. I called them and was told by a manager by the name of XXXX that the Federal Reserve had informed them that the money orders had already been deposited on XX/XX/XXXX at another bank. They were unable to unable to provide me with any further information as they said that the Federal Reserve did not provide any. I am now out {$1900.00} and Capital One is unable or unwilling to help even though I sent them the actual, physical money orders ( see attached documents ).
Product: Checking or savings account

NOTICE OF FAILURE TO COMPLY WITH BANKING LAWS On XX/XX/XXXX of 2024 I was presenting a promissory note to Citizen Business Bank for processing and opening a business account for the credits from the promissory note to be deposited and was denied the presentment and processing from XXXX XXXX Bank representative XXXX ( Relationship Manager ), XXXX XXXX XXXX ( XXXX ) and the XXXX team, Stating that their bank doesnt adhere to laws pertaining to promissory notes presented by person ( s ). I asked for more information and laws that support their decision and none was given.

LAWS that support my claim 1 ) Proclamation 2039 as used in this order the term " banking institutions '' shall include all Federal Reserve Banks, national banking associations, banks, trust companies, savings banks, building and loan associations, credit unions, or other corporations, partnerships, associations or persons, engaged in the business of receiving deposits, making loans, discounting business paper, or transacting any other form of banking business.

2 ) 12 USC 5002 ( 2 ) BANK -The term ''bank '' means any person that is located in a State and engaged in the business of banking and includes ( B ) any Federal reserve bank .

3 ) 12 USC 411 - Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues.

4 ) 12 USC 412 - Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require.

5 ) 1000 - Federal Deposit Insurance Act SEC. 3. DEFINITIONS ( a ) DEFINITIONS OF BANK AND RELATED TERMS. -- ( 1 ) BANK. -- The term " bank '' -- ( A ) means any national bank and State bank , and any Federal branch and insured branch ; and ( B ) includes any former savings association.

( 2 ) STATE BANK. -- The term " State bank '' means any bank, banking association , trust company, savings bank, industrial bank ( or similar depository institution which the Board of Directors finds to be operating substantially in the same manner as an industrial bank ), or other banking institution which -- ( A
) is engaged in the business of receiving deposits, other than trust funds ( as defined in this section ) ; 6 ) Federal Reserve Act sec. 13 ( 8 ) ( 8 ) Advances to member banks on promissory notes Any Federal reserve bank may make advances for periods not exceeding fifteen days to its member banks on th
eir promissory notes secured by the deposit or pledge of bonds, notes, certificates of indebtedness, or Treasury bills of the United States, and any Federal reserve bank may make advances for periods not exceeding ninety days to its member banks on their promissory notes secured by such notes,
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion credit report, I noticed billing errors under 15 U.S. Code 1666 ( b ).

Under the FCRA, creditors must provide at least 21 days ' notice before reporting a late payment. I did not receive this notice and request hard evidence from the creditors bank account proving I missed the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX. Balance : {$3900.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} ; XXXX XXXX XXXX XXXX .... XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$5300.00}
Product: Checking or savings account

I was a victim of a on-line scammer who mailed a fraudulent check to me under the presumption that these funds would be used to complete a secret shopper survey. I deposited the check into my account and It turned out to be a fake check. I DID NOT KNOW until my account was closed with BOA. I attempted to explain and provide proof that i was a victim to no avail, Bank Of America has since placed a RED FLAG under my name preventing any other Bank from allowing me to open an account. I am providing the link i was sent by the scammer below in the documents section, Bank of America did not even attempt to investigate my claim before taking steps to ACCUSE me of attempted fraud, This is causing me all kind of problems and my next step is to seek litigation.
Product: Checking or savings account

am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I received an unsolicited mailing from NETSPEND in XX/XX/XXXX offering me access to a prepaid debit card. The mailings have continued one per month going forward into XX/XX/XXXX. Each envelope is addressed to a different individual. All have been mailed to my home address. I contacted NETSPEND customer service in XX/XX/XXXXasking the mailings to be stopped. The representative could offer no assistance so I asked to be connected to a supervisor. I was put on hold for one hour and then my call was disconnected. I never spoke to he supervisor. I did not attempt to reach out to NETSPEND again. Please advise as to how I can stop these fraudulent mailings from continuing. I would like to stress that I have never requested any offer from NETSPEND.
Product: Credit reporting 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. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please delete the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In review of my XXXX credit report I noticed that a collection has been reported without any notification for Portfolio XXXX. I do not know who this company is and why they are violating my consumer rights. 

They show as opening this collection on XX/XX/XXXX which is in direct violation of the FDCPA Regulation F. This rule was passed in XX/XX/XXXX which clearly states : Actions Which Must be taken Prior to Credit Reporting : Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. 

This company has not abided by the law! They have just knowingly and willingly placed a debt that I do not identify on my credit file and has hindered my ability to get approval from other lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. The information is inaccurate. Please block and remove per 15 USC 1681c-2.
Product: Debt collection

Since 2017, McNeil & Meyer has been trying to collect a debt for XXXX XXXX. Throughout that time I have denied the validity of that debt and have asked for debt verification. Previously, they had called me and sent mail to my house. I had not responded because I believed it to be spam and/or fraud. Last year, I disputed the debt and asked for verification of the debt through XXXX  online. At that time the debt was taken off my credit. However, it was put back on my credit report in XXXX of this year and it still has not been verified. Previously, I had disputed the debt and had not been provided verification of said debt. I will be sending a verification letter in the mail, today.