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

The item on my credit report, XXXX XXXX XXXX, which is a revolving credit account that has been closed, is inaccurate because the current balance of {$300.00} should now be updated to {$0.00} balance, due to a settlement agreement ( please see attached copy of settlement agreement and terms ) which I have complied with all stated requirements in agreement. The settlement agreement states that I am to pay {$250.00} on or before XX/XX/2020, to collection agency XXXX XXXX XXXX , XXXX . who represents XXXX XXXX XXXX for the debt owed. Additionally, I was to sign and return original settlement agreement to collection agency XXXX XXXX XXXX XXXX XXXX XXXX 
I made payment for {$250.00} on XX/XX/2020, ( please see attached proof of payment with date ) and have signed and returned original settlement agreement to address listed on paid postage envelope provided by collection agency XXXX XXXX XXXX , XXXX . that represents XXXX XXXX XXXX XXXX please see attached settlement agreement copy that I have provided for record ). 

I have been unsuccessful with disputing and having the balance updated to reflect {$0.00} with all three credit bureaus ; Equifax, XXXX and XXXX. I have also reached out to XXXX over several months and they still have not corrected what has been reported to credit bureaus. They show my payment I made but have not complied with the settlement agreement with collection agency representing them. I have included the settlement agreement and letters sent to credit bureaus, this after several attempts to dispute remaining balance on my credit reports and reaching out to XXXX   over several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury funder the laws of the United States. If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money : and, was successful in creating accounts All is being investigated by the FTC XXXX
Product: Checking or savings account

My husband and I have been sending money to XXXX via my brother XXXX to finish a building project we have been working on since XXXX with target date of completion by XX/XX/XXXX. In XX/XX/XXXX my brother in was contacted by his bank to confirm he was not defrauding me. XXXX confirmed he was my brother and he was helping to handle the building project by organizing and paying the workers. In XX/XX/XXXX Bank of America reach out to me to update my profile to avoid account restrictions. My account was eventually restricted until I called and confirmed the personal information I provided when I opened the bank account. The Bank of America representative indicated that it was because of the number of international wires. My full account activities were then restored and we continued sending wire transfers to XXXX via my checking account. 
Then I received a letter dated XX/XX/XXXX from Bank of America stating my personal checking account and the money market account I share with my husband will be restricted from use in 21 days and closed in 30 days with no reason. I strongly believe this is a result of the legal international wires because there was no reason to close the Savings account which had approx. {$5100.00} with hardly any activity. 
I put this out to dual nationals in the XXXX community and some have stated this has happened to them. 
I strongly believe Bank of America is engaging in discriminatory banking practices by closing the bank accounts of hard working dual nationals based on national origin and should reverse this course. They need to be more educated about this community to avoid this type of discrimination. How will be able send money overseas for projects without relying on banks?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to look at new vehicles at XXXX XXXX in XXXX, TX. I gave the salesman my ID in order to drive a vehicle, but ended up not driving the vehicle after I realized he gave me false information over the phone. About 4 hours after I left the dealership I started getting notifications from credit bureaus that someone ran my credit at the dealership. I never filled out any paper work, never signed anything. In fact, I expressed my displeasure regarding the false information and told them I had no desire to purchase a vehicle from them. So, they ran my credit based on my Drivers License information. I know this because they used the address that was on the DL and it wasn't my current address. They ran it through XXXX XXXX, Capital One Financial, XXXX XXXX XXXX. I just built a new house and didn't update it yet. I contacted the dealership the next day and they claimed to have mixed up my information with someone else and said they'd submit all the paper work to correct the issue. I've got 10 or so emails from the 'Sales Director ' ( XXXX XXXX ( XXXX ) XXXX ) stating he was taking care of it and he'd follow up. He hasn't followed up any and nothing has been done. I tried submitting disputes to the credit bureau 's, to no avail. This company is extremely dishonest and down right shady! They ran my credit to see if they could make me a good deal on a car, thinking that I'd buy one. Never do business with this company.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ARA keeps calling me 2 to 3 times a day. They said they are an acquisition firm. I do not owe any debt. One of their numbers is XXXX out of the state of IL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE TRY TO GET THIS RESOLVE, HOWEVER, IT NEVER GET FIX. PLEASE HELP ME OUT. IM THE ONLY PERSON WRITING THIS. SO I HAVE A MEDICAL BILL. Recently checked my credit reports and realized the agency and this debt collector is in Restriction on sharing of medical information. please see attached file.
Product: Debt collection

On XX/XX/XXXX I contacted Capital Collection Services to verify an account that I was unfamiliar with. After receiving information that I was unsure of, I requested a letter to have physical of this account. They refused to send me a letter. They said they sent letters back in 2011 but will not send another today. I think this is horrible. How can you expect me to have documentation from 2011. Anything could have been happening to me during that time.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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.
Product: Consumer Loan

Hi, I receive multiple calls a day back to back. I receive calls from XXXX to right before XXXX at night. During my work day I am unable to answer my phone but they constantly call my cell back to back, an hour apart. Is n't there a law protecting the consumer from back to back calls, especially on their cell phone?
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB SENT A COMPLAINT TO EQUIFAX ABOUT MY CREDIT REPORT AND ASKED THEM TO REMOVE AN ACCOUNT ON MY REPORT. 
EQUIFAX DID AN INVESTIGATION AND REMOVED THE ACCOUNT BECAUSE IT WAS LINKED TO A FRAUDULENT ADDRESS LISTED ON MY REPORT. 
EQUIFAX REMOVED THE ACCOUNT AND ADDED IT BACK A COUPLE OF WEEKS LATER WHICH IS ILLEGAL TO REMOVE AN ACCOUNT THEN ADD IT BACKI FEEL THEY DID THIS CAUSE I HHAVE BEEN REQUESTING INVESTIGATIONS INTO THESE FRAUD ACCOUNTS. 
PLEASE REMOVE THE FRAUD ACCOUNTS ASAP OR I WILL BE FORCED TO FILE A LAWSUITE AGAINST EQUIFAX. I CAN PROVE THAT THEY REMOVED THE ACCOUNT THEN RENINSERTED IT BECAUSE OF SOME TYPE OF PERSONAL PROBLEM WITH MY DISPUTES OR IT COULD BE SOME KIND OF RACISM GOING ON AGAINST ME. I HAVE ATTACHED MY STATE ID, SS CARD, AND A SNAPSHOT OF THE ACCOUNT EQUIFAX ADDED BACK TO MY CREDIT REPORT AFTER THEY REMOVED IT.
Product: Debt collection

My friend worked at the car rental company and charged me a discounted rate and then when he left the company and I was longer renting I received this bill for unknown use
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Your agency is in violation!

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i filed certified mailed in disputes to dispute fraudulent activity on my credit report. i asked the credit bereau known as XXXX, Experian, to complete and remove all negative items they had 30 days to resolve the dispute instead they did not ccomplete my dispute in a timely mannere by law thety have to remove those disputed items they are constantly letting these fradulent creditors report inaccurate items on my credit report im a victim of idenity theft i have no knowledge of any potential negative items or any items reflecting on my credit report please have the credit bereau to remove all negative items from my credit report im currently going through a attorney to legally sue the companies for reporting fraudulent information and selling my personal information to every creditor refectin gon my personal credit report items negaive are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUDING ALL INQUIRIES NEEDS TO BE REMOVED AS WELL
Product: Debt collection

Notice for Proof of Claim for the following Account : WAKEFIELD & ASSOCIATES XXXXTo Whom it may Concern : This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Checking or savings account

I was trying to link my TD Bank checking account with XXXX so that I can withdraw funds to my bank account but TD Bank is blocking XXXX from doing so. I attempted to conect the connect the account using my TD Bank web credentials but I receive an error that TD Bank is blocking me. I called the bank and they said they dont like coinbase.com and that is why I cant access it. The customer service rep at TD Bank refused to give me her employee number or any info on who she was. This is unacceptable as now my money is locked up in a website and I will be forced to move my bank account to another bank to get my funds. 

Thanks, XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX keeps saying I owe them XXXX something dollars when I don't. I received a federal student loan for classes at the time in which it covered. I lost my mother & had to take some time away from school. Next thing I know I'm getting various calls from William and Fudge a dept collection agency saying I owe money that I don't. Where is the break down of how I owe this money?
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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. 

Account Name : XXXX XXXX # XXXX - Balance {$0.00} Account Name : XXXX XXXX XXXX  # XXXX - Balance {$16000.00} Account Name : XXXX XXXX XXXX # XXXX Balance {$0.00} Account Name : XXXX XXXX XXXX # XXXX - Balance {$5600.00} Unauthorized inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I am writing to file a formal complaint regarding the conduct of a debt collector, Law Office of Brett M Borland, P.C., in connection with an alleged debt from 2021. I believe the actions taken by this agency violate my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Around a year ago, Law Office of Brett M Borland, P.C. initially contacted me about the aforementioned debt, utilizing threatening language and suggesting legal consequences, including the possibility of being sued and incarcerated if I failed to pay. I complied with their requests initially ; however, I have since stopped responding to their communications.

Despite my discontinuation of communication, Law Office of Brett M Borland, P.C. has persistently continued to contact me, exhibiting what I consider to be harassment. This unwarranted persistence has caused me considerable distress and anxiety. I am concerned that their actions may adversely impact my credit report. 
Below are relevant details for your reference : * Nature of the debt : Rental Debt * Amount claimed : {$2000.00} XXXX kindly request that XXXX, XXXX and XXXX investigate this matter thoroughly, considering the potential violation of my rights under the FDCPA. Additionally, I urge XXXX, XXXX and XXXX to take appropriate action to ensure the accuracy and fairness of the information on my credit report. 
I appreciate your prompt attention to this matter and trust that you will conduct a thorough investigation into the reported actions of Law Office of Brett M Borland, P.C. Please keep me informed of the progress and outcome of your investigation.
Product: Credit reporting or other personal consumer reports

Experian has been reporting inaccuracies to my credit report which has not been matching up with XXXX and XXXX. The accounts below have been reporting inaccurate data compared to the other 2 credit bureauXXXX and XXXX. Accounts in question are listed below. 

XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX These inconsistence are causing detrimental effect to my credit score. This is a violation of the The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. I feel like my rights are being violated at this point and need Experian to update my credit report as the other credit bureau have done to make this right. If not, I will persue legal action to do so.
Product: Vehicle loan or lease

During a transition of losing my father last year XXXX, XXXX XXXX from iLending responded to my XXXX XXXX  initiated inquiry XX/XX/XXXX. This was about refinancing my XXXX XXXX for a lower rate and a large enough return ( extra money left from paying the original financial company off ) to help me get into a place before my current lease was up due to me being laid off my job. 

XX/XX/XXXX is when XXXX told me that with my paperwork he could get me a rebate of {$200.00} for the XXXX insurance and {$1100.00} for the power train warranty I was cancelling. The warranty he said the new loan company offered covered more for less. 

Most of the incidents of what he was offering was over the phone and supposedly recorded. He took advantage of me and lied to me about the rebate about the warranty. He told me it was essentially on me to retrieve this rebate which I was not told to me until everything was finalized. 

I expressed over and over how skeptical I was due to my hard work I put into my credit to get it up to something companies will work with and all the hard inquiries would hurt my score. And it did. 

I was not told any information about this supposed full coverage warranty, I was not able to get my rebate from XXXX XXXX XXXX, whom originally lied to me about my windshield being replaced and never actually setting the appointment and giving me a horrible percentage rate and a newer car with the same problems as the car I traded them. 

XXXX knew all of it : My dad XXXX, unstable housing, laid off job, really unprofessional car dealership, and my expectations of what needed to happen to meet what we discussed I needed in order to finalize the paperwork. 

I was lied to, his supervisor knew about this and didn't return the calls.. I am very disappointed due to the fact I worked so hard to get my credit score up and that the Truth in Lending was violated in order to get his commission I was the XXXX responsible to do all the work for.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORT. THANK YOU XXXX XXXX XXXX XXXX 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

Someone else got a call about a debt at this collection agency and was told I was going to be taken to court and sued so he called me upset, I went onto the website and did a chat and asked for validation of the debt and for them to not contact anyone else other than me and gave all my correct information. I was told collection efforts would halt while they validate it and it could take up to 90 days. 

XXXX called him back an hour later demanding to talk to me and he gave her my number, she then asked him to have me call her instead to initiate the conversation on my end.