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

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX- XXXX XXXX XXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I tried for 3 days and multiple times and multiple numbers including corporate offices to get a person to unfreeze my credit or correct contact information in my file. Pin has been lost. company has incorrect cell phone number and can not send info to landline phone. I have concluded that Experian does not intend to use real people to solve problems, even those that can not be resolved by websites or computers, or even mail.

Therefore, I am asking the government to provide a way that I can OPT-OUT of this private company collecting and providing information to businesses about me and others. Alternatively, the cfpb should provide this vitally important service rather than any private company. Other issues that need addressing by the cfpb are : 1. I had perfect credit. Inadvertently missed a payment on new card because mail lost mail. Credit score dropped XXXX points, from XXXX to XXXX. This is utter nonsense, and represents an algorithm bias against consumers. Companies charge consumers more the lower the credit score. 
2. Inquiries, scores drop XXXX points because of a hard inquiry that stays active for years. Companies solicit consumers with excellent credit by providing bonuses, as much as {$1500.00} for a new card. this is too much to pass up. Yet my score drops every time I apply for a new card despite perfect credit. 

Conclusion : Take this vital process out of the private sector. All other vital statistics, birth and death records, social security numbers, criminal records, etc. are administered by government entities. Credit should be also. Especially when the 3 companies have demonstrated they do not have the public 's best interest at heart, but those of corporations that pay them for services.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX Todays Date : XX/XX/XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on  applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm turning out to be increasingly more disappointed with your organization. After discovering these blunders being accounted for on my credit report I have made the important strides to educate all of you regarding the mistakes. In any case all of you are not doing your part to determine my issues. My family and I are turning out to be extremely XXXX. My lawyer advised me to send this letter to caution you these blunders prior to making a legitimate move. I'm an individual that goes to work ordinarily to ensure my family have equivalent freedoms very much like every other person. I'm a buyer that won't be a casualty of provocation or misuse. As indicated by 15 USC 1692d 1. ( 1 ) the utilization or danger of viciousness or other criminal means to hurt the actual individual, Notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Announcing bogus data on somebody's credit report is hindering to a buyer 's standing. Sending letters an endeavor to gather obligation from a customer who obligations don't have a place with is additionally a type of provocation which is one more infringement of 15 USC 162d 1. ( 1 ) Continually sending letters that has images of an obligation authority outwardly of letter is an infringement of the utilization or XXXX XXXX XXXX or other criminal means to hurt the actual individual, notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Additionally as indicated by 15 USC 1681 ( A ) Exactness and reasonableness of credit detailing The Congress makes the accompanying discoveries : ( 2 ) An intricate system has been produced for examining and assessing the credit value, credit standing, credit limit, character, and GENERAL Standing OF Buyers. You can survey my acknowledge report as proof to see that my standing indeed has been destroyed. This segment unmistakably says that a buyer 's credit report was set up to recognize an Overall Standing OF Customers. Likewise, I expressed before I was a survivor of the XXXX Information Break.
Product: Checking or savings account

I've not received the XXXX AA miles after spending $ XXXX and have tried to contact them on several occasions. They said they needed the promo code but the physical mailer doesn't have a code ( see attached ). They also said that they don't see it in their system, however they did say on XX/XX/2021 that it would be deposited to my account within 5 business days. Confirmation XXXX On XX/XX/2021, I have been hung up on the last call to get this resolved while spending over an hour. The account XXXX doesn't respond or is helpful. I have seen other complaints of this happening before with other Citibusiness checking promos. This is not the first time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   in   XXXX   XXXX  , California or somebody use my identity to pull my credit with  XXXX ,  XXXX  and Equifax reporting agencies.I never been to   XXXX   XXXX   to purchase a car or give authorization to pull my credit.
This is a hard inquiry on my credit report.
Product: Checking or savings account

On XX/XX/2023 I XXXX XXXX, XXXX XXXX used an XXXX atm in XXXX to withdraw money. I withdrew {$400.00} however the machine did not dispense my money! I immediately contacted CHIME XXXX XXXX XXXX, XXXX was told that the charge was pending and that Id have to wait 3-5 business days to see if The XXXX ATM Network would credit it back to my account. However on the third day I called and was told that the transaction had processed and Id have to file a dispute! I filed the dispute and within 2 days the claim was denied. I reached out to the XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX and advised them of this issue and it was then that the dispute department told me that CHIME NEVER CONTACTED THEM ABOUT THE ATM IN QUESTION NOR DID A CHARGEBACK AS PROHIBITED BY LAW TO LOCATE THE MISSING FUNDS!!!! I called CHIME support and asked for the documents used in the in the investigation. Upon receiving the denial claim XXXX XXXXXXXX and the reason for denial THERE WAS NO CONTACT WITH THE MERCHANT IN QUESTION NOR DID THEY ASK ME TO SUBMIT ANY SUPPORTING DOCUMENTS! I contacted chime again and had to creat a rebuttal XXXX XXXXXXXX dispute! MULTIPLE DISPUTE TEAM AGENTS AND SUPERVISORS informed me that I was eligible for a temporary credit! I called regular almost every other day most times everyday for at least three weeks! Upon the temporary credit due date I was informed that I was not eligible due to it being a rebuttal! I asked the representative to investigate and read the emails that chime had sent me confirming that Id have the provisional credit by the XXXX. Its the XXXX n multiple supervisors and agents can see that I am eligible for the credit and that it is showing bold red meaning it is overdue and shouldve been released! XX/XX/XXXX I am being told that they changed their policy and I dont get the credit! I shown and sent them multiple evidence of the promise from them to me reassuring me that the money would hit my account! Still to no avail all I received was apologies and sorries! Very disappointed n no longer trust chime!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX, Experian And XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

I recive 1099-C code G, need to report blance XXXX all ready pay taxes to the IRS
Product: Checking or savings account

I am chase customer. There is a fraud transaction on my account worth XXXX $ on XX/XX/year> noon. 

I blocked my card and claimed for fraud transaction. But no updates from chase.
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 0:29imely and a etive measures to po : sente 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: Debt collection

MRS BPO llc Reported a Derogatory from XXXX XXXX on my credit report today ( X/XX/17 ) that was disputed and removed from All 3 of my Credit Reports 3 weeks ago from another company ( XXXX XXXX ) that was reporting. And to further Add on, This company MRS BPO llc never called me, Never sent me any letters or anything of that Nature. This is a scam and needs to be investigated.
Product: Debt collection

My name is XXXX XXXX. I am authorized to speak on my wife 's behalf regarding this debt and complaint. 
I received an initial debt collection letter from United Collection Bureau on XX/XX/22 for an unknown debt. The supplier is known to me. 
On XX/XX/22, I responded with a debt verification letter advising the company that all communications must be in writing and refer to existing contacts. Not doing so would be considered by me as attempted intimidation. The lette was sent verified with a signature card. The signature card was sent back to me signed XXXX XXXX XXXX XXXX with the printed name XXXX XXXX XXXX Clearly this was not being taken seriously. 
UCB responded in a letter dated XX/XX/22 ( rec 'd XXXX ) with a partial response to verification. They gave me something from the supplier I had never received but allowed me to trace the referenced debt. They, however, did not provide any documentation authorizing them to collect this or any debt on the supplier 's behalf. 
On XX/XX/22, I responded with a letter stating I had paid the debt. I provided the invoice received, and the processed check. I stated unless UCB provided further documentation my documents referred to a different obligation, I would consider this matter closed. I restated that all communications must be in writing, and communications such as phone calls and letters not referencing ongoing communications would be regarded as harassment and reported to the CFPB. I sent this letter certified. It shows by USPS as being picked up on XX/XX/22. 
After receiving the letter, my wife received several calls from UCB, who left voice messages. The messages were vague and referred to collecting a debt. We did not record the specific contents. On an unknown date, I received a letter dated XX/XX/22. The letter was not marked as communication from UCB and looked like junk mail. It referred to having " been unsuccessful in securing a payment arrangement on the above referenced account. '' It made no mention good-faith efforts to resolve this dispute as previously described. It also threatened " your account may be credit reported to credit reporting agencies ( sic ) '' These items I consider attempts at intimidation and harassment. 
I have attached documentation to support the above statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, And Transunion is reporting inaacurate and unverified late payments. I recently asked the 3 bureaus to investigate the deliquent accounts. I recieved information that the accounts were verified and accurate without any proof. I have never been late, so these accounts should not be reflecting late. I ask for amethod of verification.

1. What did your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2. What certified documents were reviewed to conclude your investigation?

3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. Please provide proof of your timely procurement of certified documents.

5. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

6. If yes to above : A. Who did you speak to?

B. On what date?

C. What was their position?

E. What telephone number did you call?

F. What is the name of the employee of the company that spoke directly to the above party?

G. What is the position of the employee of the company that spoke directly to the above party?

I. What formal training was provided to this employee to investigate items of this kind?

J. Was there any e-mail or written communication between members of your company and the employee that youve spoken too?

7. If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

8. Provide the date of the commencement of delinquency 9.Provide the SPECIFIC date reporting that these items will cease There is no question that you willfully violated my rights and that I could bring charges against you immediately. I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of inaacurate information, I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Product: Money transfer, virtual currency, or money service

It all started on XX/XX/XXXX and XX/XX/XXXX. My account was hacked via XXXX from the following people : XX/XX/XXXX XXXX XXXX  {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} I did not know until XX/XX/XXXX when Bank Of America texted me beginning at XXXXam until XXXX am when I woke up and saw the message. I immediately responded no that I did not authorize the transactions. 

A few days later Bank Of America sent me a letter stating that I had withdrew too many times as my savings account allows 6 times, but they approved the XXXX transaction. I immediately called the fraud department and filed a claim. 

About XXXX weeks later I received a letter from the fraud department stating that it was denied because I apparently made those charges. I then went to my bank and they asked for my claim to be re-opened as I do not have a XXXX account. 

XX/XX/XXXX, Bank of America XXXX department sent me another letter stating they would not credit my account because the devise used was consistent with previous valid account activity. 

I went to the bank yesterday, XX/XX/XXXX to close my accounts and I was able to close my checking account, but could not close my savings account until I called the XXXX department and asked them to release my money. After being on hold for XXXX hours, I was able to close my account and today. 


Prior to this fraud I had never used XXXX. In fact I had never heard of XXXX and never authorized Bank of America to add this service to my account. I did not authorize these XXXX transactions if it was done through an associated IP address then that devise was hacked because it was not me. Bank of America obviously felt like this was fraud or they would not have sent out the fraud texts but yet they still allowed the money to leave the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i communicate several times with XXXX  XXXX  To Remove THAT errors FROM MY CREDIT REPORT, THEY DID NOT. I WAS NEVER LATE PAID ON TIME AS AGREED. THEY TOOK my car and didn't NOT Want TO do BUSINESS WITH ME.THEY CHANGE ACCOUNT STATUS from late AFTER 3 YEARS and it IS reporting as a REPOSSESSION. Now They Sell it TO COLLECTIONS Company XXXX XXXX, ALLEGED account # : XXXX XXXX XXXX ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX # : XXXX .Address is XXXX XXXX XXXX, XXXX XXXX CA XXXX, THEY REPORTED TO CREDIT BUREAUS AGAIN and RUIN MY life and CREDIT.. 


THANK YOU