23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Greetings! I had received 17  harassing calls from a phone number that I do not know and after XXXX  it, it belongs to a company called Medical Data Systems. I do not have medical debt owed through this company and I have no way to reach out to them as a registered user. From those calls, 16 were made on the same day ( I have the call log ). From my understanding, it looks like they are trying to reach out to someone else ( probably the former owner of my current phone number ). I do not want to have anything to do with them and I need this to stop. They violated the TCPA rules.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

[ XXXX XXXX ] [ XXXX XXXX XXXXXX/XX/XXXX ] [ XXXX XXXX, CA, XXXX ] [ XXXX ] Dear Commenity Bank, I am writing to formally dispute the validity of the debt referenced above, which you claim I owe. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide written verification of the debt, including : 1. Proof that I am responsible for the debt, including copies of original agreements or contracts.

2. A full accounting of the alleged debt amount and how it was calculated.

3. The name and contact information of the original creditor, if applicable. Until these details are provided, I request that all collection effor
ts and reporting to credit bureaus regarding this debt cease immediately. If this debt can not be verified, I also request that it be removed from my credit report and that I be notified in writing of the correction.

I am exercising my rights under federal law, and I expect your full compliance. Please note that this letter is not an acknowledgment or acceptance of the alleged debt.

Please respond in writing to the address listed above within 30 days of receiving this letter. If you fail to provide adequate verification of the debt, I will pursue all remedies available under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney Generals office.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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 solution as money was stolen and false XXXX k forms were created that was not my doing.
Product: Mortgage

My wife and I have completed a FHA home modification. It has taken nearly XXXX years and XXXX lenders to get everything completed, but it is finally complete. However, The initial lender that we began the process with, Bank of America, promised to remove the derogatory remarks from our credit reports for the length of the modification period. However, this still has not happened. I have disputed the information on our credit reports XXXX times now and gone directly to Bank of America. They sent me to my current lender, XXXX XXXX XXXX XXXX, who sent me back to Bank of America. This process has been a nightmare and the runaround I have received from Bank of America already caused my modification to stretch out from XXXX months to XXXX years. I managed to save my home. Now I just want our credit fixed.
Product: Credit card or prepaid card

My wife passed away on XX/XX/XXXX and we were reliant on her social security and pension for our monthly income. Those income streams have now stopped so my monthly income is less than half of what it was. After paying rent I have no disposable income for this credit card payment. I contacted XXXX on XX/XX/XXXX and asked if they would consider reducing the 24.99 % interest rate so that I can reduce the minimum monthly payment and so that it will go towards principal repayment. They did not care about any personal hardship or the death of my wife and they would not agree to lower the interest rate. I want to do the right thing and continue to make very small monthly payments on this account, but I can not meet this obligation without XX/XX/XXXX assistance.
Product: Money transfer, virtual currency, or money service

Someone has used my XXXX/ crypto to wire transfer funds fraudulent. They also transfered my phone number from tmobile and caused my phone number to be routed to another sim card. I contacted both companies with no access to come to a conclusion.
Product: Credit reporting or other personal consumer reports

When I opened my Experian credit report, I found multiple inaccuracies in my name, including several incorrect variations. These inaccuracies violate my right to accurate personal information as guaranteed under the Fair Credit Reporting Act ( FCRA ). Under 15 USC 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The presence of these incorrect name variations suggests that Experian has failed to meet this standard.

Additionally, 15 USC 1681i ( a ) ( 1 ) ( A ) grants consumers the right to dispute any inaccurate information, and the credit reporting agency must conduct a reasonable reinvestigation within 30 days. Given that these variations do not reflect my legal name, I am exercising my right to have them corrected or removed.

I am filing this complaint with the CFPB to formally request that Experian review and delete all incorrect name variations. Their failure to do so in a timely and compliant manner could constitute willful noncompliance under 15 USC 1681n, which addresses liability for violations of the FCRA. I request a full reinvestigation and confirmation of the deletion of inaccurate personal information.
Product: Credit card or prepaid card

They add interest charges that were already on the previous monthly statement and paid to the cash advance due next month. They essentially charge it twice.

The total cash advance due each month goes up. There has not been any more cash advances taken. The interest charged has been paid but the total amount due goes up. 

This should not be happening.
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.

Hippa Release was not provided by credit reporting agency nor debt collector. 

Account status nor last activity date does not match across all 3 credit reporting agencies. I have rights to 100 % accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE DUE TO THE FACT THAT IT IS REALLY IRRITATING MY CREDIT'S HEALTH AS WELL AS I NEED TO MAKE A BIG PURCHASE SOON. THIS ACCOUNT WAS OPENED IN 2006 IT IS A XXXX XXXX  NEGATIVE ACCOUNT.
Product: Credit reporting or other personal consumer reports

I've contacted all ( 3 ) three companies to inform them that I did not authorize any inquiries from them ; and to report this to the three Credit Bureau. 

XXXX XXXX XXXX Global Lending XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX Balance- {$5000.00}, XXXX XXXX Balance {$3000.00}, XXXX XXXX- Balance {$5900.00}, XXXX- Balance {$370.00} XXXX XXXXBalance {$970.00}, XXXX  XXXX Balance {$760.00}, XXXX-Balance {$610.00}, XXXX XXXX XXXX-Balance {$33000.00}, XXXX XXXX-Balance {$5100.00}, XXXX-Balance {$500.00}, XXXX XXXX-Balance {$260.00}, XXXX XXXX- Balance {$13.00}, XXXX- Balance {$2700.00}, XXXX XXXX- Balance {$3900.00}, XXXX XXXXBalance {$850.00}, XXXX XXXXBalance {$1100.00}, XXXX XXXXBalance {$760.00}, XXXX XXXX XXXX-Balance {$1600.00}, XXXX-Balance {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know why this is showing on my credit report. I have no knowledge of this collection.
Product: Credit card or prepaid card

XXXX XXXX XXXX Closed : XX/XX/XXXX - {$820.00} Closed Overview You 're currently using 118 % of your account 's limit. Balance {$820.00} Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 4 yrs, 11 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$820.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Charged off as bad debt Account closed by consumer Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. WHEN I CONTACTED XXXX XXXX THE REPRESENTATIVE TOLD ME TO REPORT IT TO THE AGENCY BEFORE IT WOULD BE REMOVED FROM MY CREDIT REPORT
Product: Vehicle loan or lease

Us auto sales sold me a XXXX XXXX XXXX for {$12000.00} more than it worth. After talking to them about this they closed down and now another company takes over. I want my contract redone with the correct value of this car. Im stil owing XXXX for this car and any XXXX knows thats not right. I have a lawyer ready to take them on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXXXXXX XXXX Account Number : XXXX Account : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX 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 an 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 if 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 the the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've recently received my credit report from all credit bureaus about the charge off account. According to the IRS an unpaid charge off is income and according to FCRA income can not be reported on a credit report. I am writing to formally request the issuance of IRS Form XXXX ( Cancellation of Debt ) for the account that have been charged off by your institution. After checking my most recent report the updated information stated that you purchased the account from XXXX XXXX XXXX. This account can not be reported as a charge off on my credit report, Especially, if the account was bought or sold to another lender. Please send the XXXX form.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 
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 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 any purpose.
Product: Debt collection

This company purchases old debts and bypasses contacting the customer entirely, opting to take them straight to court. Their business practices are highly unethical and warrant serious scrutiny.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXXXXXX and I have told XXXX, XXXX XXXX and equifax for 5 plus yeras or so that different accounts where opened in my name by my XXXX and I did not authorise these! These need to be taking off my account now because as a victim of XXXX XXXXXXXX I am protected! I will get XXXX XXXXXXXX, XXXX XXXX and the XXXX XXXX involved plus I want compensation for the pain and suffering yall have cauased me even further and I am XXXX!
Product: Credit reporting, credit repair services, 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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. Late Payments Not Authorized To Be On My Report No written authorization was given XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Late Payments Are Not Authorized To Be On My Report no written authorization was given XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 





However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I am a victim of the Florida flood and the creditor agreed to remove this negative account off of my credit report. The creditor does not provide information on how the debt is owed. The creditor is violating FCRA Section 604 and 609. I have contacted the company several times on numerous occasions regarding this not accurate debt with no prevail. I am a victim of XXXX, hurricane Ian and Michael and the creditor agreed to remove this negative account off of my credit report.
Product: Credit reporting or other personal consumer reports

On Sunday, XX/XX/year>2024 I received a credit alert advising of an inquiry from XXXX XXXX  XXXX. On Monday, XX/XX/year>2024 I immediately called the number for XXXX XXXX  that appeared on my credit report. The representative advised there was a pending application on file. Once I advised that I did not submit that application, the representative declined the application, however the inquiry remained on my credit report. I then call TransUnion to advise this inquiry was fraud as I've not applied for any credit. TransUnion advised to call XXXX XXXX, which I informed the representative that I've already spoken with XXXX XXXX. The TransUnion representative placed a second freeze on my credit report at this time. I made her aware of my disappointment as I'm unsure of how this happened with an existing credit freeze. 

I reached back out to XXXX XXXX XXXX to get an update on when the inquiry will be removed and was advised it will take XXXX billing cycles. How do I wait XXXX billing cycles when I do not have an account with them? Also, they did not take any information from me to track the fraud case. I need to have this inquiry removed.
Product: Vehicle loan or lease

Santander consumer USA reporting incorrect information on my report And this error causes significant damage /harm to my report To calculate the number of days between XX/XX/XXXX and XX/XX/XXXX, we can count the days : XX/XX/2015, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX There are XXXX  days between XX/XX/XXXX and XX/XX/XXXX. 

If you're considering a XXXX late payment period, and the payment was due on XX/XX/XXXX, then the XXXX period would end on XX/XX/XXXX. 

In this case, the payment would be considered late between XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX ). 

.
Product: Credit reporting or other personal consumer reports

Accounts was charged overdrafts fees and not processing payments on time and cause my accts to overdrafts and collect fees. Money was showing in my accts but in reality they process payments and act as if the money wasn't there when it was.
Product: Credit card

i sent 3 times the endorsed remittance coupon and instructions to the XXXX. and the remittance department of citibank as per federal reserved act section 29 on XX/XX/23, XX/XX/23, XX/XX/23 certified mail for them to transfer the interest- positive value of the bearer security to the principal to set-off the account and bring it to zero and they did not do the fiduciary duty they have and they close my account. 

i sent on XX/XX/23 the remittance again and an adverse action letter to the vice president for him to open back my account to transfer the positive value of the bearer security and stop denying me my right to extend credit.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report several inquiries that that I didnt not initiate or authorize. This means the consumer agencies released my information without my consent and now this makes this liable for damages. 

The inquiries in question are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion I did not initiate XXXX inquiries and they should XXXX XXXX.
Product: Debt collection

They called me several times at work a month ago, I work at an XXXX XXXX in sales so its very embarrassing that they ask for me with my other XXXX associates. I talked to them once and told them they cant contact me at work. The calls stopped for a couple of days but then they called again for a few days. I dont have exact dates but I can tell you the company is Midland Credit Management XXXX I am working through a XXXX and trying to keep a house but knowing that I told them to stop calling my work but continued to is ridiculous. My boss even answered once on my day off and hanged up, but thanks to that I almost lost my job. They call from random numbers but heres a few I have XXXX and XXXX
Product: Debt collection

I reached out to PROCOLLECT , INC about a debt that was being reporting on my credit report from XXXX XXXX XXXX. I first reached out to XXXX XXXX XXXX  MANAGER FOR PROCOLLECT , INC VIA EMAIL at XXXX. I asked to be provide validation documents of the debt. On Friday XX/XX/2021 I received a email from XXXX XXXX the Assistant Director of Correspondence & Bankruptcy Resolution for PROCOLLECT , INC with a document of charges that wasn't legible and was faded. On Monday XX/XX/2021 I reached back out to XXXX XXXX XXXX an asked to be provided a LEGIBLE DOCUMENT OF MY CHARGES. She then provided me an document that has been tampered with.