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

On XX/XX/XXXX I sent a Conditional Acceptance Cease & Desist to the registered agent of LVNV Funding LLC ( " LVNV '' ) detailing their actions that harming my consumer reports. I have never given LVNV my permission to use my consumer reports as is required under 15 USC 1681b ( a ) ( 2 ) which states " In accordance with the written instructions of the consumer to whom it relates ''. I also requested proof of that written permission from the company in the event I made a mistake, the company failed to produce any documentation to show they have my written permission. On XX/XX/XXXX, a response was sent from " Resurgent Capital Services '' ( " RCS '' ) further providing proof that the company has no original contract, nor any proof of my written permission to use my consumer reports. This is a violative business practice when a company believes they do not need to have a contract to defame any individuals character. Federal law supersedes any " company policy '' and in the eyes of the court, federal statutes are the mandatory authority. Additionally, this company did not communicate with me prior to sharing my personal information with any non affiliated third party. 15 USC 6802 ( b ) states very clearly LVNV is 100 % required to communicate with me prior to sharing any information with a nonaffiliated third party. LVNV failed to communicate with me prior to doing so. Also, LVNV is indicating that the alleged debt obligation came from a company called " Webbank '' and that company is also reporting a balance on my consumer reports. As seen in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et. al ( XX/XX/XXXX ) a company reporting a balance owed on an original debt is sufficiently pled as inaccurate and duplicative credit reporting when such a debt is turned over to a third-party debt collector who also reports the same debt balance on a consumer 's credit file. Not only is this company defaming my character without consent, they are also reporting inaccurately between the credit reporting agencies under 15 USC 1681s-2 ( 2 ). They were notified via the CRA 's that the information was inaccurate and the response from the company was these accounts are " verified ''. Precedent has already been established by the The United States of Appeals, Ninth Circuit, No XXXX XXXX XXXX XXXX XXXX  that the reporting company is 100 % responsible for how the information reports. Lastly, Congress as already stated in the FCRA that inaccurate information must be removed from a consumers credit report. All the essential elements are present for not only defamation of character but extreme negligence on behalf of LVNV. Each of these violations are subject to penalties as described in 15 USC 1681n & 15 USC 1681o and as seen from previous cases of a similar nature, the Plaintiff has also been awarded punitive damages when companies have no permissible purpose. One look at PACER will show this companies long history of harassing consumers. I simply want the violative business practices to cease.
Product: Debt collection

I have reported a Health Information Privacy Complaint against the hospital or physician due to releasing private medical information and company charging someone elses insurance. This debt is a result of identity theft where they charged another persons ( My sisters ) insurance company ( XXXX ) instead of my insurance company ( XXXX XXXX ). XXXX and XXXX were aware of this prior to any surgeries or procedures. Because this debt is a result of identity theft and hippa violation ( an XXXX report has been made with XXXX ), I will be suing both the XXXX, XXXX, and collection agency as this fraud issue is now effecting my personal life/credit and agency refuses to acknowledge legal consequences by removing this from my credit report and conducting their own investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX  XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX  XXXX XXXX XX/XX/XXXX 11 ) XXXX XX/XX/XXXX XXXX  Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX 4 ) CXXXX XX/XX/XXXX 5 ) XXXX  XX/XX/XXXX 6 ) XXXX XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XXXX, XXXX. XX/XX/XXXX 11 ) XXXXXXXX XXXX XXXX   XX/XX/XXXX Experian Unauthorized Inquiries ; 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX  XX/XX/XXXX 6 )  XXXX XXXX  XX/XX/XXXX 7 ) XXXX  XX/XX/XXXX 8 ) XXXX XX/XX/XXXX 9 ) XXXX XX/XX/XXXX I have contacted each of these companies. Was informed by each that I needed to talk to credit bureau 's about removal. Sent letters to each of the 3 bureau 's by certified mail. To date nothing has been resolved.
Product: Checking or savings account

So on XX/XX/2022 at XXXX I got this message from XXXX XXXX of Closure of you deposit account ending in XXXX  due to a check that I deposit of my brother work check that I agree on him that I will deposit his check on my account also that was a Friday, so I also had a work check to deposit on my account so decide to deposit both of them. I didnt know that this could have an issue with my account, because algo my boyfriend use to deposit his work checks on my account and nothing never happens ( he use to do that because he had and account with his mom and it was kind a saving account ) so nothing never happens to my account and i dont know why I get the account close if hes my brother, there was his name on the check and everything. 
My mom use XXXX XXXX, so a couple months she goes to a XXXX XXXX bank to open an account for my sister and they told her that because I have this issue she cant open the account for my sister ( I XXXX had the account with my mom because we opened when I was a minor ). A been had to calls for reopening the account but I cant due to that. I ask a customer service person from XXXX XXXX if I cant solve this issue ( I want to reopen it ) of me and my brother can go together to solve this issue and she told me NO! 

I also had a problem with fraud on my chase bank account due to some checks that were fraudulent which I didnt deposit, also some claims as soon as I saw that activity on my account I call and told them that I didnt make this claims and this deposits, which they make me change everything from my account but it was still close, so days later or weeks I call to see if I can reopen the account and they told me yes and everything, it was pretty good until this fraudulent activity came again, even tho that I change everything. I ask them if they can see where this checks where from but they told me no, because I wanted to know if they can give me any information to see what place or phones or anything was getting access to my accounts. I make an appointment to reopen it for the 2nd time because they told me I can but when I go to my appointment they told me that I cant reopen it due to suspicious activity.

If theres any possibility that we can solve this issues with both of the accounts please let me know if I have to do anything, please let me know Im here to help and discuss about this at any moment. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have not initiated any transaction with XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than XXXX  years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting or other personal consumer reports

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. Equifax, XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Credit reporting or other personal consumer reports

To : Experian, XXXX, and XXXX Subject : Formal Request for Deletion of Unverifiable Account Based on XXXX Deletion To Whom It May Concern, I am writing to formally request the deletion of an unverifiable account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ). The account in question is listed as a charge-off from XXXX XXXX XXXX XXXX with a balance of {$13000.00}. 

On [ date ], I disputed this account on my XXXX credit report. XXXX completed their investigation, and as of XX/XX/year>, the account was deleted from my report. Given this deletion, I am requesting that Experian, XXXX, and XXXX remove this unverifiable debt from my credit file. 

Under the FCRA : Section 611 ( a ) ( 1 ) ( A ) obligates you to investigate disputed information and delete or correct any unverifiable account within 30 days.

Section 623 ( a ) ( 1 ) ( B ) mandates that information furnishers must not continue reporting inaccurate or unverifiable information. 

Since XXXX has removed this account, it is evident that the account could not be verified. Therefore, I am requesting that all three credit reporting agencies conduct similar investigations. If this account can not be verified according to the standards of accuracy and completeness set forth in the FCRA, it must be deleted from my credit file entirely. 

Legal Right to Sue if Not Addressed : Should your investigation fail to result in the deletion of this unverifiable account within 30 days, I reserve my rights under Section 616 and Section 617 of the FCRA to seek legal action against your agency for willful or negligent noncompliance with federal law. Noncompliance may result in damages, court costs, and attorney fees as outlined in these sections. 

Additionally, the deletion of this account by XXXX demonstrates that it can not be substantiated. Continuing to report unverifiable or inaccurate information may also violate Section 623 ( b ) ( 1 ) ( C ), which requires furnishers to cease reporting information found to be inaccurate.

I request written confirmation of the results of your investigation and a revised copy of my credit report reflecting the deletion of this account within 30 days of the date of this letter. Please send all correspondence to the address provided above or via email at XXXX. 

If you fail to resolve this matter promptly, I will escalate my complaint by submitting a formal dispute to the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

End of loan maturity XX/XX/XXXX on XXXX XXXX XXXX XXXX. Still owe {$7400.00}. Some of the amount is late fees and a few deferments but I can pay cash for that part. About {$4100.00} I can pay cash for the explained unpaid amount. Santander shows about {$3200.00} remaining that is keeping me from getting title and owning a vehicle I have paid over {$26000.00} for in 7 years. Santander is threatening to repossess vehicle and has reported me late to credit agency even though I have continued making payments past maturity date. I want to pay deferments and late fees and get my Title.
Product: Debt collection

On XX/XX/year>, I submitted a formal debt validation request to Credit Collection Services ( CCS ) regarding an alleged debt of {$200.00}. Despite this, CCS has failed to provide any documentation validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Previously, I filed a complaint with the CFPB about similar conduct by CCS, which resulted in the removal of the account from my records. Despite being under a cease and desist order, CCS has resumed collection efforts without providing the necessary validation for the account. Furthermore, CCS is not licensed to collect debts in Georgia, rendering their collection activities unlawful. 

I have also discovered that CCS has reported inaccurate information on my consumer credit report, causing significant distress and potential financial harm. I have attempted to resolve these issues directly with CCS, including sending a cease and desist letter, but they have ignored my requests. 

I seek immediate cessation of all collection activities by CCS, removal of the alleged debt from my credit report, and compensation for the distress caused by their repeated violations and non-compliance.
Product: Debt collection

I am unaware of this debt, I did not have the opportunity to dispute this debt, I did not receive proper notification, if in fact you believe I received proper notification please provide receipt please provide certified mail with the receipt stating that I received it with my signature. Look on my credit report for the last day of activity and date reported, they are violating my rights they are reporting only to XXXX XXXX XXXX and the last activity date is reporting to transition as updated recently but last time it was reported on XXXX XXXX XXXX XXXX have attached a copy of how it is reporting to bureaus and it is not accurate across all 3 bureaus and the statute of limitations in 3 years in my state, they don't have rights to collect any debt
Product: Money transfer, virtual currency, or money service

I was scammed by a girl from XXXX as part of a romance scam and was defrauded of {$45000.00} through PayPal transactions from XXXX through XXXX XXXX I contacted PayPal on two separate occasions and was told that they were authorized transactions. I followed up saying it was part of a scam and received no response from the second correspondence. No due diligence was done by PayPal as these transactions were very much out of the norm for the transactions I usually transact through PayPal.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease and Desist Request Harassment by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Co. 
Balance : {$530.00} Date Opened : XX/XX/year> Status : Collection account, {$530.00} past due as of XX/XX/year> Status Updated : XX/XX/year> Balance Updated : XX/XX/year> On Record Until : XX/XX/year> Dear Experian, I am writing to formally request that you instruct XXXX XXXX XXXX to cease and desist all communications with me concerning the above-referenced account. This account is currently under dispute, and I believe that the ongoing communications by XXXX XXXX XXXX constitute third-party harassment, in violation of my rights as a consumer. 

Additionally, I dispute the accuracy of the information being reported by XXXX XXXX XXXX on my credit report. Please update my credit file to reflect this dispute, as is my right under the Fair Credit Reporting Act ( FCRA ). I also request that you take immediate steps to verify the accuracy of this information and ensure that no further adverse reporting occurs while this dispute is being resolved. 

Please confirm in writing that you have received this letter and that the necessary actions have been taken to cease all communications from this creditor and update my credit file to reflect this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I identified inaccuracies in some of the information provided. It is imperative for the XXXX credit bureaus to verify these items. They are not permitted to label this reported items as unverified without presenting evidence within the legally stipulated timeframe. The mentioned items require thorough investigation and correction for the erroneous entries in my credit file as listed on the report. The following unverified items are listed below : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated. However, how is that possible if last date reported, account number, payment history is invalid or incomplete in all XXXX credit bureaus. When it should be 100 % accurate. 

This is a continuous violation of my rights under 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 reporting consumer agency can not furnish a account without my written instructions. 

I demand to delete accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( as they are different account numbers on each bureau ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize any of these accounts, therefore. Please update everything 100 % accurate or delete them immediately. As they are causing me outrages interest rates. ( Example paying {$340.00} on a {$6500.00} car loan. ) This is my last letter in regards to correct this errors. I understand I have the right of up to {$1000.00}. For every violation on my credit report and will proceed as follows. 

Thank you for your time with this matter.
Product: Debt collection

There are multiple instances with different creditors that I have disputed. 

First, I have a medical debt that I should not have been billed for because I had already met my deductible, and the documentation that I have shows that insurance paid it. I have contacted Texas Department of Insurance ( TDI ), and they have been trying to get a hold of the providers responsible for the billing. Hearing was scheduled for XX/XX/XXXX, and mediator was not able to get in touch so it did not occur. ( Business & Professional C/O XXXX XXXX ) Second, I paid off a debt in XX/XX/XXXX, and yet every month I have to call creditor to fix the bill because it shows I owe interest ; i know that I don't owe interest because I paid it off before the billing cycle. They have been removing it, but my credit report shows that although I have a XXXX balance, my payment is now 60 days late. ( XXXXXXXX XXXX XXXX XXXXXXXX ) Third, I have an old closed credit card debt that I have disputed multiple times to indicate that they were not my charges, and in addition to that, every month the amount increases as they keep selling the debt. I have tried to get in touch with them, but they have no record of debt other than a card for the same bank that I am currently paying. ( 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 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 foe these violations.