23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In 2006 I opened a free checking account with Bank of America. The problem arose when the account was overdrawn by around {$340.00}, give or take. It did take me 1-2 years ( I was a student at the time, paying my own way for books and tuition, upon working to sustain my other immediate bills ), until I was able to reconcile and close the account with the bank with the full amount that was due. I have not heard anything about this incident until the past 6-9 months. The agency contacting me is XXXX XXXX XXXX , XXXX, based at XXXX XXXX XXXX , XXXX. XXXX, MN XXXX. I have not received any type of paper notification from either the bank or this agency, but have recently been receiving phone calls within the correct debtor calling hours as is their right, however, I have repeatedly ( well over 5 times ) asked them to place my number on their " Do Not Call '' list as it is my business number and that this debt was already taken care of well over 10 years ago. I am still receiving phone calls from them stating that they are now wanting to collect on behalf of the bank, but as we know sometimes things get mixed up in the transfer of debtors ' records. I was a XXXX XXXX for a XXXX XXXX XXXX and I know my rights as far as asking them not to call me again, same for not using the number given to them. I want to report them for continued harassment and would very much appreciate someone looking into this for me, as it is now interrupting my business in a negative way ; also in personal ways. I do also intend to notify the agency in writing to the address provided me as per Sub-Section 806 : Communication in Connection with Debt Collection, paragraphs ( a-c ), as stated in the FDCPA. Please let me know at your earliest convenience what we need to do to proceed forward with this complaint. Thank you. 

Also, I do not have records of this bank or the account number, amount owed, etc. as it was so long ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted and filed disputes unsuccessfully with Experian, XXXX, and XXXX. I have provided them the appropriate documents indicating that an account is paid in full. 

They are refusing to make adjustments and are still displaying false information, willfully at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX $ XXXX XXXX ), ( XXXX XXXX {$690.00} ), ( Hard inquires ) has violated several of my rights.

15 U.S.C 1681 Section 602 A. Clearly states that 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 finish an account without my written instructions.

15 U.S.C 1666B : A creditor May not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose.

Remove these late payments and hard inquiries and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made the same disputes with all three credit bureaus for months. Just recently XXXX rectified the situation by removing all the incorrect information from my report. After that was completed, I reached out to equifax and XXXX to see what was necessary to remove the same items. I was told to dispute it. I explained I disputed multiple times and it was returned as correct info. They said since XXXX removes the items its likely if I resubmit the dispute the same ones will be removed for their reports as well. So I disputed it again, to my surprise it returned as correct information. So I called again and was told the companies provided evidence it was correct. I asked how could it be correct for this report and not for another? I also asked if I could get this supposed evidence and was told to reach out to the companies. I dont think its fair that I have to keep disputing for months and the two reports still show incorrect/ fraudulent information. I want the items I have disputed numerous times to be removed. I even offered to provide proof XXXX removed the items and was told it wasnt needed. At this point I dont know what to do, but it rectify ASAP so I can repair my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXdept of Ed has reported multiple student loan accounts on all 3 credit bureaus that do not belong to me. I have contacted XXXX I have contacted all three credit bureaus to request that they delete these fraudulent accounts off my credit reports. And they have failed to do so. 

I have an account in the amount of XXXX open XXXX I have an account in the amount of {$3500.00} open XXXX, XXXX  I have an account in the amount of {$1200.00} open XXXX, XXXX  None of these accounts belong to me and I would like them removed from my credit report under the fcra I have to right to have these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts are not accurate and should be removed : XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX XXXX  late payment account XXXX XXXX XXXX XXXX late payment account XXXX XXXX XXXX Original Creditor : XXXX ) XXXX collection account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX charge off account I believe that these accounts were reported inaccurately and are damaging my credit score. I have attached supporting documents that show these accounts are not accurate, and I request that you investigate and correct these errors immediately. 

I also request that you provide me with written confirmation of the changes made to my credit report, in accordance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a call on XX/XX/XXXX at XXXXXXXX XXXX AZ time from XXXX. No message was left. At XXXXXXXX XXXX AZ time on XX/XX/XXXX I returned a call to XXXX. A woman answered by the name of XXXX XXXX She asked for me by my first name only. I verified that I was who she was asking for. She explained that she was from XXXX XXXX XXXX XXXX XXXX, talking very fast. She said " We have a claim here ready for due process, due to go out against your social in reference to a default judgment. '' I told her I could not hear her and to please slow down. She said " We are filing a judgment for wage garnishment on behalf of Speedy Cash for a payday loan, Do you want to resolve it.? '' I told her that was included in my bankruptcy. She said good luck then hung up. When I filled XXXX in XXXX. I personally mailed Speedy Cash the case number and discharge date. I also verified that they received the notice of filing XXXX XXXX XXXX and the discharge date. I called XXXX back and that same woman said This is XXXX XXXX  then hung up on me. She did this several times then I stopped calling.
Product: Money transfer, virtual currency, or money service

My Pay-Pal account was hacked and an unauthorized payment was made for the sum of {$270.00} CAD ( {$220.00} USD ) early on XX/XX/2022 ( approx. XXXX ). I noticed the activity XX/XX/2022 and called both Pay-Pal and XXXX XXXX XXXXXXXX because my bank account was attached to Pay-Pal. Pay-Pal opened a case, but informed me on XX/XX/2022 that the " transaction is consistent with your PayPal payment history '' which is not true because I've never paid anyone in CAD. When calling, the phone representative did not give any explanation other than stating that the IP address was the same. This can not be true because I was on a flight at the time with XXXX access to the internet. When challenging, the representative stated that they stole my password and PayPal was not to blame. I have been on hold with PayPal for a while now to no avail. I am disappointed with the company and can not believe the reaction.
Product: Debt collection

I received a letter from XXXX XXXX, in an attempt to collect a debt, during the month of XXXX 2017 for an account opened with XXXX XXXX. I have never had an account with XXXX and I immediately called and told them I did not have an account and they told me I had to file a dispute and go into the bank and I did both. I filed a dispute online and went into XXXX local bank branch where they confirmed by social security number, address, and drivers license number to all be different from the account holder. They contacted Convergent and let them know but I then received a letter, dated X/XX/17, not only stating that this was a valid debt but also attached was this lady 's bank account information along with her driver 's license number and social security number! AFTER I told them I was not this lady they STILL sent out information to my address, which is completely different than my own in an entirely different state! I wonder how many other persons information they have given out unbeknownst to them. This has to be against the law and I want someone to know that they are not handling peoples ' personal information the right way. They should have called XXXX back to find out whether or not they had the right person before sending out this lady 's information.
Product: Credit card

I just realized that there is a transaction called " XXXX '' on XX/XX/XXXX for {$380.00} that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX  XXXX when the matter first occurred and I was sent a letter to send to the bureaus. I am still waiting for the info to update with the bureaus.
Product: Credit reporting or other personal consumer reports

I reported the account as a fraudulent application on XX/XX/XXXX, and XX/XX/XXXX. I reported transactional fraud on XX/XX/XXXX, for charges from XXXX XXXXXXXX XXXX for {$2000.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received a balance correction and they gave me money back but marked my account late after they told me numerous times to not pay. I made a payment of {$870.00} on XX/XX/XXXX, which was sufficient to bring my account current. XX/XX/XXXX statement showed a minimum payment of {$270.00} due on XX/XX/XXXX, XXXX they tell me they were not able to locate any telephone conversations where I was advised about making payments during the time your unauthorized transactions were being investigated. asked him to pull phone calls, and they never even bothered trying to do so cause they know that the proof is on the call. They need to pull those phone calls and go back and take the time to fix the payment that they made on my report. They gave me the money back. The fraudulent charges were obviously considered fraud and I am not liable for any payments or any damages caused by fraud.
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately. 

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

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts 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 any purpose
Product: Debt collection

Requested validation of debt. I am requesting that a statement that the communication is from a debt collector, your name and mailing information, along with the name and mailing information of the debt collector, the name of the creditor whom states I owe the debt to the account number associated with the debt, an itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, the current amount of the debt when the notice is provided, Information I can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong. Also I would like to see a contract between you and the creditor stating that you have a right to collect this reported debt.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 procer 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 19.

financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting or other personal consumer reports

Attached is a letter of proof I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Theres records on my Lexis Nexis Risk Solutions Consumer Report thats inaccurate, fraudulent and not my information or records. All the identification, address characteristic, online marketing, bankruptcy, insurance policy, automobile insurance claim, driver license and inquiry records from XX/XX/XXXX to XX/XX/XXXX is inaccurate and fraudulent records and information thats not my information or records. Any records Lexis Nexis currently has on my consumer report from XX/XX/XXXX to XX/XX/XXXX isnt my records and I want Lexis Nexis to immediately delete and remove those inaccurate and fraudulent records and information from my Lexis Nexis Consumer Report. Theres a public record on my XXXX, XXXX and XXXX XXXX credit report showing I have a current bankruptcy of XXXX XXXX on my XXXX, XXXX and XXXX XXXX credit report. XXXX, XXXX and XXXX XXXX received the public records information of my bankruptcy from Lexis Nexis. I want Lexis Nexis to immediately delete and remove the public records of bankruptcy from my consumer report and send notification to XXXX and XXXX to have the public records of bankruptcy immediately deleted and removed from my XXXX and XXXX credit report. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Checking or savings account

I purchased zip ties from XXXX XXXXXXXX XXXX on XX/XX/XXXX with my Capitalone debit card and returned them today XXXX XXXX XXXX I was provided a receipt showing the amount of {$10.00} being refunded to the same Capitalone debit card. After I received an email from Capitalone saying a purchase of {$10.00} from XXXX XXXX XXXX was denied because it had an invalid expiration date. I called Capitalone and it turned out that they rejected my refund for an invalid expiration date. I asked how can that be as my card was scanned at purchase and my receipt was scanned for the refund. So there was no manuel intervention where a date was entered. They told me me it is XXXX XXXXXXXX XXXX 's error and there is nothing they can do. I should go to XXXX XXXX for them to reprocess. I already returned the merchandise and have only a receipt showing the refund went to my Debit Card. Capitalone refused to do anything. I asked them how they can block money going back to my card. They kept telling me there is nothing they can do and I need to talk to XXXX XXXX. I feel Capitalone stole my {$10.00} since I have no way of getting that money back. They did an aggregious injustice to me and as a bank they should be responsible for getting my {$10.00} back to me.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate cessation of a range of unlawful activities involving my account with XXXX XXXX As a concerned customer, I have discovered a multitude of unauthorized actions that have taken place without my consent, which has left me deeply troubled. I insist on the following corrective measures : XXXX XXXX XXXX Fraud, False Reporting, Extortion, and Unauthorized Use of My Social Security Number XXXX XXXX XXXX has engaged in a pattern of racketeering, fraudulent activity, false reporting, and extortion. Moreover, my Social Security Number ( SSN ) was used without my consent, a grave violation of my privacy and security. I demand that XXXX XXXX cease and desist from any further unlawful activities immediately. 
Return of Stolen Funds and Removal of Unauthorized Securities : I assert that XXXX XXXX is responsible for the misappropriation of my personal and financial information, which has resulted in the loss of funds. Additionally, securities were taken out without my consent. I demand the prompt return of any stolen funds and the removal of unauthorized securities from my account. 
Account Closure and Removal of Derogatory Marks : In light of the criminal activities conducted by XXXX XXXX, I hereby request the immediate closure of my account with your organization. Furthermore, I demand the removal of any derogatory marks associated with my account due to these unlawful actions. 
Violation of Applicable Laws : It is essential to acknowledge that the actions of XXXX XXXX have violated several relevant laws, including : a. The XXXX XXXX and Corrupt Organizations ( RICO ) Act, 18 U.S.C. 1961-1968 b. The Federal Fraud Statutes, including 18 U.S.C. 1343 ( Wire Fraud ) and 18 U.S.C. 1341 ( Mail Fraud ) c. Laws governing False Reporting, such as 18 U.S.C. 1001 d. Laws governing Extortion, including state and federal extortion statutes e. Unauthorized use of personal information, a violation of privacy laws I insist on your full cooperation in addressing these issues and complying with my demands. Failure to do so will result in my pursuit of legal action to protect my rights and interests and to ensure that XXXX XXXX is held accountable for its unlawful actions. 

Please contact me at XXXX or via email at XXXX to discuss the specifics of returning stolen funds, the removal of unauthorized securities, the closure of my account, and the removal of derogatory marks. 

I expect a prompt response from XXXX XXXX regarding these demands, outlining the actions you will take to rectify this fraudulent and illegal situation. 

Sincerely, XXXX XXXX