23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality undeXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 card or prepaid card

XXXX XXXX sent me an email on XX/XX/XXXX stating my XXXX 's credit card was closed due to inactivity as of XX/XX/XXXX I called immediately on XX/XX/XXXX, to discuss re-opening my account. I fully understand creditors can close accounts due to inactivity. I plead my case, stated positive credit history/payment history with the one purchase I made. 
I advised that I was working very hard to bring my credit score up  due to wanting to buy a home over the next few years. I also pointed out how this will affect my DTI, and my positive credit history. 
This is for a specialty card, for beds. How am I supposed to make a purchase when it's for a type of merchandise that isn't bought monthly or yearly? It makes no logical sense from a consumer standpoint to tell them that they need to make a purchase to keep it active when it's for an item that's meant to last long periods of time. 
The reps at XXXXXXXX XXXX were very nonchalant, dismissive and rude to say the least. I have learned my lesson, I'll stick to the major credit cards and use them responsibly going forward.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to address the fraudulent, incorrect, and misleading information on my credit report, the issue persists. The presence of these items has severely impacted my life, causing significant distress and XXXX. It is important to emphasize that I did not authorize or consent to this information being associated with my name, as I have been a victim of identity theft.
Product: Debt collection

This case has been going on for 20 years, there is NO debt that they, attorney   XXXX   XXXX   XXXX   and the company   XXXX   XXXX   XXXX  , as debt collectors could have EVER attempted to collect and have failed and refused to produce the original documents from the alleged XX/XX/XXXX  judgment of {$4000.00}. Since this debt was settled paid in full in  XXXX , TWO YEARS BEFORE the alleged filing of the claim, they can not have a claim without their admitted CONTINUING EXTRINSIC FRUAD with the presumptively inadmissible product and evidence of admitted fraud and now attempts to collect {$13000.00}. In earlier rulings by the court involving   XXXX   XXXX   XXXX   (   XXXX   v.   XXXX   XXXX   XXXX   ), numerous
Product: Debt collection

I sent a letter requesting them to validate the account for requested amount of {$28000.00} and {$520.00}. It's evident that Medical Revenue Services don't have proper documentation to collect this invalid debt. I don't have access to files allegedly signed by me, because I don't recall signing any of the documents that was supposedly signed by me with my physical signature ; as identify theft is at an all-time high. Ive sent a letter to XXXX  as well as I'm in distress with the tactics of this company and how they are destroying my credit worthiness. Feel Free to respond to this complaint with " Hippa Release '' - Medical records and or documentation signed by me. If Medical Revenue Services have the right to collect, they have a duty to produce legitimate validation. Until I receive documentation requested ; my HIPPA rights are being Violated.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, XXXX of XXXX I requested XXXX to investigate and delete my first premier accounts because the information that was furnished was incorrect. I provided paperwork from first premier regarding account status effective XX/XX/XXXX. They failed to investigate and update the account to coincide with the letter. I then disputed the account due to late payments of being effected due to XXXX disaster. They refused to update. I then provided paperwork from first premier stating that they couldn't comply with my correspondence because the accounts are not charged off. XXXX ignored that paperwork and continues to furnish incorrect data
Product: Credit reporting or other personal consumer reports

Dear Exeter Finance LLC I've noticed Exeter is releasing information to the XXXX party credit bureaus which are on my credit report : I DID NOT CONSENT to do so which is in violation. 15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section XXXX ( a ) of this title, other than the XXXX XXXX XXXX XXXX XXXX, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

In addition, Exeter sent a repossession agent to take my motor XXXX on XX/XX/year> XXXX within seconds of me leaving into the XXXX XXXX The Co-Owner and myself proceeded to tell them to stop and not to take the motor XXXX. One agent held me against my will as I was trying to access my XXXX while the other agent entered his vehicle and ran my foot down over. 
There was a witness who had observed and gave a statement to law enforcement. 
( Video Footage Available Upon Request ) State Farm claim department was contacted and concluded with their investigation. XXXX XXXX offered {$5000.00} coverage for medical expenses. 
Since the that date, I suffer from severe emotional distress from the public humiliation caused by Exeter and its repossession agents. 

This was a direct violation of : ( California XXXX XXXX XXXX ) Breaching the peace means that the repossession can not involve bodily force or threats and they can not take property over your oral objections. The objection does not have to be loud or done with force. You must simply tell the repossession agent not to take the car.
Product: Mortgage

Arvest Mortgage Services " merged '' with Arvest Bank several months ago. Since then I have been locked out of my online account and have attempted to gain access back my online account with no success. 

Arvest has had me email my state drivers license to verify my identity ( which I emailed on XX/XX/XXXX ) ; however, I get no response back. 

When you call Arvest 's customer service number they have a recording advising that they are still having issues with migrating the system and there is a lengthy hold time to reach a customer service representative. 

They give an option to pay in a branch office ; however, there the closest one is over an hour away. So I am stuck waiting on the phone and manually paying my monthly mortgage through an operator. 

No one knows what to do and no one knows when this issue will be fixed. It places me in a situation where it is difficult to pay my mortgage through traditional means.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer credit report from Equifax, XXXX and XXXX on XX/XX/2023. While going through my credit report I've noticed unauthorized inquiries that wasn't initiated by me. I even sent certified mail letter to each credit reporting agency with return receipt to delete the inquiries, but they have failed investigate to remove the information 's that is being furnished. Here 's the tracking number for the letter I've sent to Equifax [ XXXX ]. The certified mail tracking number that I sent to XXXX is [ XXXX ], however they didn't remove the false inquiries. The XXXX tracking number is [ XXXX ], they have also failed to investigate and delete the inquiries. Below I have attached the letters that were sent to each credit reporting agency alone with the Certified mail receipt.
Product: Consumer Loan

I currently reside in XXXX, but this loan was established online when I lived in XXXX, XXXX My XXXX challenge is the validity of the loan since it is prohibited in XXXX, XXXX XXXX. The other, is the interest rates originally 135 % then reduced to the current rate of 84 %. This seems more than the law allows based on XXXX usuary laws. I have already paid Delbert / XXXX more than my original balance of {$2600.00}. Additionally, the amount I owe is more than the original balance. I offered to settle for an amout a friend was willing to give, {$800.00}. They declined and countered for nearly {$2500.00}. I advised them that I have been out of work since XXXX 2015 and could not continue to maintain this loan. Today, they called asking when my payment will be made, Due on the XXXX of each month. I advised the rep. that I no longer wanted to be contacted regarding this matter as my last offer was my best. The call was discontinued.
Product: Checking or savings account

Venmo is holdong my money hostage and stealing from me. 
They refuse to transfer my funds to me, they refuse to give me a valid card and when i spoke to them they were rude, refused to let me speak to a manager and hung up on me several times. I NEED MY MONEY!
Product: Debt collection

I received a collection debt notice from Radius Global Solutions LLC of {$450.00} that I do not believe is owed. My medical insurance was applied and this bill is excessive for the lab work that was completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Debt collection

First point Collection Resources , Inc. is trying to send me to collection for around {$400.00} owed to XXXXXXXX XXXX XXXX. I will not allow them to damage my name when I had already stopped using and canceled the insurance but their charging me for the date XX/XX/2023 when I already have another insurance and have documents of that other insurance so their is no need for having 2 car insurance at a time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA ( Experian ). 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

Received bill from XXXX XXXX on XXXX/XXXX/XXXX for {$200.00}. I did not know I had a balance. Sent check XXXX XXXX/XXXX/XXXX for {$30.00}. Never received an updated balance. Received collection from CMRE on XXXX/XXXX/XXXX for {$200.00} on behalf of XXXX. From XXXX until XXXX I sent XXXX {$10.00} payments totaling {$70.00} to CMRE. I stopped getting letters from CMRE. On XXXX/XXXX/XXXX received bill from XXXX for {$170.00}. ( 2 years later ). I paid check XXXX on XXXX/XXXX/XXXX for {$25.00}. Never received updated bill. On XXXX/XXXX/XXXX I received bill from XXXX for {$130.00}. I sent check XXXX XXXX/XXXX/XXXX for {$25.00}. I have now received XXXX new collection letters from CMRE for {$65.00} and {$140.00}!!! I can not keep paying these XXXX companies all this money. I have never been credited correctly by either company. I feel I am now being ambushed to keep paying money out that is not due. I can not get anyone on the phone to straighten this out. Over two and half years I have been chased for more money and never once got an accurate updated statement showing the {$150.00} I have paid out between XXXX XXXX and CMRE.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices. Which violate the consumer financial protection act ( CFPA ). Specifically, Cashapp 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. This actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have Comenity Bank set up in my Bill Pay account and make a recurring {$750.00} payment monthly. Comenity has lost 4 of the last 6 payments ( XXXX, XXXX, XXXX, and XXXX ) I have made and failed to apply the funds to my account. I have followed their dispute process and even had a 3 way conference call with my bank. Comenity stated they had done a system conversion and were having issues with a large number of payments but would resolve the issue within 90 days. At 90 days they asked us to refile the dispute with more information, but they already had everything they needed from the bank from the first call. They did ask us to use a different address and updated account number and we made the changes requested. They then posted 2 payments before losing the XXXX and XXXX payments. They charged us late fees on both and we have had to file 2 additional disputes.
Product: Credit card

Please remove this credit account from my credit report immediately. This collection account is in direct violation of the legal document 1 5 U.S.C 1 6 8 1 ( Fair Credit Reporting Act )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have been reporting these fraudulent accounts under my name XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX I open loan ( i.e. ) line of credit? they change specification during dispute regarding this action.? for the sum of {$900.00} for twelve months period. 
First payment for the sum of {$100.00} was made on XX/XX/2023, was surprised when the balance due was still {$920.00} principal? get my attention to this result? 
Contact Money Key customer services and get some confusing responses was not really understanding. Become suspicious about this company i decided to pay off this loan quick a could the loan was paid off for a total payment on XX/XX/2023, total amount paid {$1000.00}. and decided to close this account! was denied as apparently the balance overdue was {$250.00}. despite paid off after ninety days full amount of this loan?? 
contact customers services by phone! was explain this was not a loan but line of credit.?? This was completely misleading their facts sheets in their Financial Implications form regarding interest & Finance Charges show! for {$1000.00} 12 months total costs will {$160.00}. 
I dispute this Banking action as a scam contact XXXX business bureau regarding this abusive interest charged! will be cost multi thousands of Dollard before been able to rid of it this account.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

XXXXXXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the XXXX, was fully insured, gave my insurance card at the time ( they ALSO had it on file ) Was billed anyway but was never sent a bill until it was already in collections!!! XXXX removed it, however Equifax and XXXX " Validate '' the debt XXXX knows HOW but they do Proof of insurance attached as well as proof that what was done is 100 % covered!!!
Product: Money transfer, virtual currency, or money service

on XX/XX/2022 someone received my person information intended for someone else and opened a Zelle account took XXXX form my account. My bank will not refund because I provide the information. It went into an account I want that person investigated. they set up the account not me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Credit Inquiries Dear Experian, I am writing to formally dispute the following credit inquiries listed on my credit report. I recently reviewed my credit report and noticed inquiries that I do not recognize or authorize. These inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by me or those resulting from a permissible purpose can remain on my credit report. I did not grant permission for these inquiries, nor did I initiate any transaction or application with these institutions. 

I kindly request that you investigate these inquiries and remove them from my credit report they are unauthorized. Enclosed, I have included the following documents to assist with your investigation : Please complete your investigation within the legally mandated 30 days and provide me with written confirmation of your findings and any actions taken. 

Thank you for your prompt attention to this matter. Should you need any additional information or documentation, please do not hesitate to contact me at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have submitted a police report and a Federal Trade Commission report regarding XXXX fraudulent personal loans on my Experian credit report. However, Experian has not done anything to fix it.
Product: Debt collection

For about the past two years, i have received hundreds, literally hundreds of phone calls from Portfolio Recovery, along with a couple of aliases, and non-identifiable numbers that appear as foreign numbers ( additional digits/ missing digits ), very rarely will I receive the same number twice. however my caller I.D . however will show : XXXX ; Portfolio ; etc. 
I have saved most of the numbers, once I knew there was a limit of sorts, here are some examples : date : orig no. XXXX addt. dates XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX [ XX/XX/XXXX ] XX/XX/XXXX XXXX XX/XX/XXXX XXXX [ XX/XX/XXXX ; XX/XX/XXXX ] XX/XX/XXXX XXXX [ XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ] XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX [ XX/XX/XXXX ] ... I will be providing a detailed list from my cellular provider, once it's compiled.
Product: Payday loan, title loan, or personal loan

This company received a copy of my title on XX/XX/2010 from the North Carolina DMV. The company sold these personal loans to XXXX XXXX which turned into XXXX. However, they lost the title when sending the information to XXXX XXXX. 

Another sector of CitiFinancial is still open. However, they refuse to request a copy of the title. They are the best people to request it since their name is still on the actual title. XXXX never did and XXXX XXXX XXXX who owned the loan is having some trouble making the request for some reason.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries about XXXX XXXXXXXX XXXX XXXX on my file and the credit bureaus are telling me they cant be removed because I have to contact them directly. So when I contact them directly I get the run around they tell me to contact the credit bureaus and 15 usc 1681 tells us that anyone who fails to comply with any requirement imposed under that certain sub chapter is liable to the consumer and my credit and living has been affected its inaccurate and it states I could get from {$100.00} - {$1000.00} for false pretenses.