23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company name is gfs they stated working for XXXX ( a lawyer I think ). They said they mailed a letter to my house about a td bank account from XXXX years ago. I got scared and paid {$1000.00} to settle as they said I would be served papers and have a lein on my home and/or XXXX % wage garnishment. They said I owed over {$4000.00} which included legal fees. I called TD bank and they had no collection records on my name. They also referenced check systems which I called and got a report of no disputes on my name. I called back and they did give my money back but said I accepted the responsibility by paying and they will see me in court. The share file that did not look legit that I did not sign. The email address was XXXX and the women name on email is XXXX XXXX, I spoke to a XXXX XXXX on the phone and a XXXX that I can't remember his name. They also said it was the FDIC that is pursuing the owed money from an old overdrawn bank account.
Product: Credit card

I had a Home Depot Credit Card I opened in 2018. 
I paid it off and closed the account in 2023 because they just about doubled the interest rate.. 
They sent me {$0.00} dollar amounts statements every month until last month XXXX  2024 they charged me a {$50.00} fee and now are charging on to that fee late fees and I went online and called to request them to close my account and stop sending me statements. 
The XXXX Time I sent it certified mail so I could have proof I requested it. 
I am report this Malicious activity and want to file a complaint against them. 
All I have is a XXXX XXXX as an address Home Depot XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Trans union XXXX is reporting my closed/ paid accounts as open and continuously selling closed accounts to credit services which keep my XXXX  XXXX XXXX from increasing and hinders my opportunity of getting credit from creditors. As a single women of XXXX trying to start a small business. This hinders me from future or any financial assistance. As this unfair practice continue soar it holding me back from future advantages.
Product: Credit reporting or other personal consumer reports

A notice was sent to merchant to validate and confirm the account number. The account number does not match what was received. The name of the issuer is incorrect.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is HJR 192. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I have exercised due diligence to repair my credit but false and fraudulently information hasnt been removed after multiple unjustifiable unauthorized accounts from multiple improper investigations violating FRCA Dear Credit Bureau, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 
I look forward to a speedy resolution of this matter. 

I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681i
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 proce 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 XXXXXXXX XXXX and I seek appropriate redress for these violations
Product: Debt collection

ive contacted each company and each time i'm given a different amount owed. ive even told jeffcap systems that they have me as well as another company and its impossible for thhe same item. I've never done business with any of these companies i want them to stop
Product: Bank account or service

We got a XXXX fee to our checking account but could not understand why, had no outstanding checks. When we asked customer service and branch manager at bank, we were told that it was a debit card charge from XXXX. This seemed impossible since Debit card purchases wo n't authorize unless funds are in the account, which they were at time of purchase. Also, an authorization for the amount immediately goes on the account and fubds removed until final purchase a few days later or authorization falls off. Well, according to customer service the XXXX store decided they did not want their money and the bank put funds back in our account. We can not find this alleged funds back in transaction in our account. We asked bank for proof they put funds back in our account but they refuse to provide it. We do not even see original transaction but many days later it appears the bank took the amount out. They refuse to reverse the fee for their own error because they reversed XXXX fees in the past but XXXX of those fees occured because they took an annual debit card fee for charity card without warning us, again banks fault. We want our XXXX returned. Thanks
Product: Debt collection

XX/XX/2023 I sent a certified letter to Resurgent/LVNV Funding with a delivery date of XX/XX/2023 exercising my right of FDCPA 1006.30a of placing an alleged debt ( 3 accounts ) on on my consumer report without my written permission ( 15USC 1681b2 ). The information was inaccurate and in violation. I requested the deletion of the accounts from my report. On XX/XX/XXXX I received a letter in regards to only one account alleging another company is the servicer of the account : also on the same day I received 5 pages of paperwork that included an account summary from Resurgent. I submitted another letter asking for validation of debt not verification. I received the same paperwork as before but it still did not complete my request. Then I was sent a letter from XXXX XXXX who then alleges that they are now attempting to collect the debt. This was the first time I every received something from XXXX XXXX. I received the letter from them after I submitted two letters to Resurgent/LVNV Funding. On XX/XX/2023 I sent another certified letter to Resurgent/LVNV Funding for violation of XXXX XXXX and XXXX XXXX XXXX. On XX/XX/XXXX I received six letters dated XX/XX/XXXX and XX/XX/XXXX stating that other companies are serving the account and some paperwork alleging debt verification.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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: 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  Original creditor : 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

I had a Company closed my account in XXXX with a {$0.00} balance. Now in XXXX i received a garnishment XXXX my payroll with {$400.00} to {$600.00} being taken out every two weeks without warning. They said they notified me but when i called the clerk of court, it was sent to an address that i haven't lived at in over XXXXyears. It almost cost me my home multiply times my family was almost evicted which caused me hardships and stress at work. In XXXX the debt limitations for auto loans are 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am a natural person, I Am a living human being. I have rights under 15 USC 1681 : Equifax is governed by 15 USC 1681 ;, and they have violated my rights numerous of times. I Demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy. I did not give Equifax written permission to furnish these accounts. XXXX {$140.00}. XXXX- {$220.00}. XXXX- {$190.00}, XXXX- {$220.00}. XXXX- {$220.00}, XXXX- {$290.00}. XXXX {$290.00}. XXXX {$320.00}. XXXX {$350.00}, XXXX- {$650.00}.
Product: Credit card

Suntrust Cardmember Services refuses to allow me to dispute future, recurring charges to my credit card.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that the three credit bureaus Transunion, Equifax and Experian violated my right under the Fair Debt Collections Pursuant Act ( FDCPA ), specifically 15usc1692g, 15usc 1681ai, 15usc 1681 by reporting inaccuracies and not giving me the opportunity to challenge the debt as well as my privacy was violated. 

In XXXX  I've disputed this information with the credit bureaus and the information was not removed it was only updated without being fully investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer did not consent too, nor authorize this inquiry from XXXX XXXX  on my transunion consumer report. XXXX XXXX did not have my permissible consent to obtain my consumer report from Transunion. Everything is electronic I did not give them my written consent to obtain my consumer report per section 1681n ( b ). Any corporation who obtains a consumer reporting agency knowingly without permissible pretenses shall be liable to the consumer reporting agency for actual damages in {$1000.00} Per section 15 USC 1681n ( c ). If you can provide a copy of a credit application authorizing the disclosure of my files with my signature, I will accept the inquiry. If such application is removed I demanded this inquiry be removed from my consumer report. In accordance to section 15USC 1681 ( b ) I the consumer sustained actual damages and I demand {$1000.00} for the violation via Check .I would greatly appreciate a response from you within 30 days.
Product: Credit card or prepaid card

I got referred by a friend to start investing with my credit cards and checking account. He asked me to send payments from these accounts to buy bitcoins through XXXX and promised me that the company will pay back the money as soon as possible. I ended up using my checking account and my credit cards way over the limit that the banks had to foreclose my accounts. The scammers made couple payments to my credit cards, but then they got returned because they came from frozen/closed accounts. They also gave checks payment, but they also got returned due to closed account. I confronted them, and they kept promising me they will handle it, but I have not received anything until this day. I ended up with about $ XXXX {$100000.00} debts because of this scam. I spoke to XXXX XXXX Fraud Department to help me with my outstanding balance of about {$18000.00} due to this scam. They told me this is not considered as a fraud since I authorized the transactions. I tried to explain to them that I am a victim of an investment scam here which I didn't realize I was at that time I authorized the charges. XXXX told me to file dispute for those charges, and I just got notified that they could not resolve the disputes and posted the charges back to my account. I also tried to dispute the charges with XXXX, but they did not help me at all. I am so stressed and frustrated here. I lost so much money because of this scam, and the banks did not help me at all with this unfortunate situation.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed I have a late payment being reported by XXXX. I notice the late payment was reported in XX/XX/2022. Please note I have excellent payment history with is copy and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. Please understand as a consumer my rights were violated by the reporting of this late payment. I would like this late payment to be removed and cleared from my credit profile. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 ( XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Checking or savings account

XXXX XXXX : I deposit a {$250.00} check from XXXX XXXX XXXX into my personal checking account at Valley Bank XXXX XXXX *XXXX. XXXX : Valley withdraws {$250.00} from my account without explanation *A few days later : I go into the bank and discuss with manager. She contacts someone at corporate level who says the check was returned by insurer as a duplicate. 

*I call insurer and am told that they funded the check once, on XXXX XXXX. They returned a second attempt by Valley to collect again by returning it as a duplicate. I received proof of the payment ( attached ) about a week later. 

*XXXX. XXXX : I emailed bank manager with documentation of XXXX  payment to bank; came into discuss about a week later. No resolution. Called bank customer service, who referred me back to local branch. XXXX XXXX consolidate events and docs in email to local branch. No response since.
Product: Money transfer, virtual currency, or money service

I ordered a product from XXXX XXXX which XXXX XXXX promised to deliver by XXXX before XXXX. They did not deliver it until XXXX after XXXX. I opened a dispute due to the product being late. I paid with PayPal credit. PayPal closed the dispute because they said the product was delivered. They did not address the issue of the product being late. When I tried to supplement the claim PayPal 's website malfunctioned and would not take the additional information into the dispute. I tried chatting with an " online assistant '' but it was a robot and did not solve anything, it just kept sending me to info pages.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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: Credit reporting, credit repair services, or other personal consumer reports

I submitted to Equifax a list of accounts that i want to dispute. After numerous weeks I get a letter attached stating that they need to verify my identification even though I have logged on their website and downloaded my credit report and was able to see the inaccurate credit lines on my report. I always have an issue with Equifax response to an issue and pulling my report. I am requesting equifax immediately respond to my request or remove the inaccurate and bogus accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX or XXXX, I noticed that I had a collection reported in the amount of {$5100.00}, which is the original amount. The updated amount with fees is now {$5400.00}. I immediately did a 3-way call and contacted my insurance company and the hospital listed on the report, because I knew there was clearly an error. After the XXXX XXXX representative and a representative from the billing department at XXXX XXXX came to the conclusion that there was indeed a billing error and XXXX XXXX paid the correct amount, the XXXX XXXX representative requested my medical medical claim processing record, which was sent to her on XX/XX/XXXX via email. The representative then responded saying that they will contact the collection agency to remove it from my report due to the error. However, when I checked my report it shows as closed instead of it being removed. I contacted the hospital again and was advise to dispute directly with the bureaus. I disputed online but they were only updated and one showed as closed.
Product: Credit reporting or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, GA XXXX USDOE/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} USDOE/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$1200.00}