23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) IN XXXX XXXXXXXX XXXX XXXX XXXX {$8900.00} OPENEDXX/XX/XXXX15 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 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts. 

REMOVE OR DELETE THE ACCOUNTS.
Product: Credit card or prepaid card

XX/XX/2022 I reported unauthorized transactions to Direct Express. I also informed Direct Express that it is impossible to set up online account for my benefits as it appears someone has already set one up without my permission. The agent said Doesnt see unauthorized transactions.. However, I had not given the agent a date, amount of transaction, or payee. Agent cancelled my Direct Express card and put me on hold. Now, XX/XX/2022 when I call Direct Express I am only allowed an automated recording which states my new debit card was issued on XX/XX/2022. I have not received my card and I was not allowed to dispute unknown transactions. There is no prompt to speak with Customer Service, automated recording says date issued then hangs up on me.
Product: Checking or savings account

I have attempted to apply for an Apple Card through Goldman Sachs 5 times. I have been rejected 4 times. 

After the second time I was told to contact a number of credit bureaus to correct any inconsistency in my records. I did so by calling XXXX who corrected my phone number. After the designated amount of time ( 5 business days ), I was directed to apply again so changes could reflect on the side of the bank. Thus I continued and applied again. Again I was rejected. I asked to raise a formal complaint and was promised to have attention to this by superior management. I did not receive any feedback. 

During my last call with XXXX on XX/XX/2023 I confirmed - verbally- all of my contact information, my social security number and my home address. He confirmed everything they had on their side matched my information which I provided. There seems to be no way to continue. I need answers. XXXX asked me a series of questions, listing out a variety of random addresses I have never been associated with. I need information as to what does not match. I have called the credit union. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED THIS COMPLAINT ( XXXX ) OVER A MONTH AGO AND PORTFOLIO RECOVERY FAILED AGAIN TO PROVIDE ME THE VALIDATION AND VERIFICATION I ASKED FOR ( SEE ATTACHED ). I HAVE ATTACHED WHAT THEY SENT ME AND IT ADDS UP TO JUST A BUNCH OF BILLS. SOME DO NOT EVEN HAVE MY NAME ON THEM. THEREFORE THEY ARE IN VIOLATION OF THE FCRA. I NEED INFORMATION I CAN RESEARCH IN ORDER TO VALIDATE THIS DEBT AND FOR THE SECOND TIME THEY HAVE NOT PROVIDED ME THE INFORMATION I NEED. IF THEY DO NOT HAVE THIS INFORMATION THEY ARE REQUIRED BY LAW TO REMOVE THIS INFORMATION FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making this statment, because I was not the person who is responsible for applying for these accounts. I have never applied nor used these accounts for my self benefit. My simple request was to remove these false accounts ' information from my credit report and a police report and FTC identity theft report were submitted to all three credit bureaus. Even though I made an attempt to make the proper correction on my credit report, the credit reporting agencies are continuing to post these false accounts on my credit report. Also, the creditors who had issued fraudulent accounts on my name have not validated or verified the accounts to be mine. I believe that the credit reporting agencies and the creditors are in violation of FCRA and FDCPA for reporting false accounts on my credit report and attempting to collect the debt without proper validation and verification process.
Product: Credit reporting or other personal consumer reports

Despite repeated attempts to address this matter, it has come to my attention that your bureau has failed to take the necessary actions to rectify this situation promptly. It is imperative that you understand the gravity of this issue and the profound impact it has on my financial well- being, credibility, and personal security. I have provided you with detailed information and documentation establishing the fraudulent nature of these accounts, as well as my status as an identity theft victim. Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to conduct a thorough investigation and ensure the accuracy of the information reported on my credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. My patience has worn thin due to the ongoing presence of these fraudulent accounts, which continue to undermine my ability to access credit and financial services. I demand a written response from your bureau confirming that these actions have been taken and that the fraudulent accounts have been successfully removed from my credit report. Any failure to comply with your legal obligations under the FCRA will not be tolerated.
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 150J financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted Experian who denied they had any affiliation with Experian Connect. I paid {$19.00} to share what I disclosed and advertised as my Experian credit report. This is misleading information as there is no disclaimer that the score is not Experian credit score But XXXX credit score another company from what Experian representative have stated.On the Experian XXXX Score Model Is says Experian Credit Score! I also paid XXXX {$35.00} to share my Experian Credit Report who uses Experian XXXX score model. XXXX is using my Experian credit report and sharing misleading credit scores through out their shared accounts. Both XXXX uses Experian XXXX and Experian Connect uses Experian XXXX. When I spoke with Experian Headquarters they claim not to be affiliated with these accounts! Although my credit card company where I paid to share my credit report said Experian XXXX XXXX where Experian Headquarters is located!
Product: Debt collection

XXXX XXXX sued me for the debt justifiably. I entered into a Consent Journal Entry payment terms with XXXX Municipal Court. I paid the initial payment of XXXX on XX/XX/2019. The agreement stated that I would need to pay XXXX by XX/XX/2019. 

On XX/XX/2019 I received a fifteen day demand for payment of the debt, with a subsequent Garnishment of wages if i did not comply from Attorney Lee Petersen 's Office. 

Since i entered into a payment plan and complied with that, I feel that this is a direct violation of the FDCPA.
Product: Debt collection

XXXX installed internet service and was supposed to install TV service as well. The TV service was NEVER installed even though I was billed for it and paid the bills for more than a year. Then I terminated the service and they ask me to return their equipment, which I did. They demanded the tv box which I never had. I repeatedly contacted them, spent a lot of time on the phone with them, and thought the issue was resolved. 

That equipment is of no use to anyone unless they are using XXXX, so why would I want it? 

They have repeatedly billed me, {$180.00}. and I WILL NOT PAY IT, It's bad enough that I paid for service that I never had for more than a year.
Product: Student loan

Nelnet 's website is saying that it does not have my information and is making me re-register with them. The call-service hours are incredibly inconvenient, and when I do call, the wait times are unreasonably long, making registering/re-registering impossible for me without having to take a day off of work to get it sorted out. The FSA website says that the loan is through them and I owe, but I feel like Nelnet are making it impossible and inconvenient to pay in order to scam people with late fees. I am late on my most recent payment ( I use to be able to pay through FSA website ) and might have to pay fees because I can't get a hold of anyone to help me actually get into my account. I have also stopped getting text notifications for upcoming due dates and paper statements for some reason, and just have no means to send in my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no 3rd party involved. I reviewed my credit file and realized that I there is an old XXXX account still reporting on my file. I no longer do business with XXXX and the the old account is adversely effecting my reputation as a consumer. I never gave permissible purpose Pursuant to 15 USC 1681b Permissible Purpose for this account to be reported on my credit file and it is not fair or equitable to me as a consumer.

A consumer credit report should be equitable and fair to the consumer and should not contain any information that i
s adverse to the consumer pursuant to 15 U.S.C. 1681d Disclosure of investigative consumer reports.
Product: Debt collection

Please CFPB look into these collections practices. I am applying for a new home to help my family under this pandemic and my loan officerlooked at my credit mentioning theres a problem and he can not move further with myapplication. He mentioned AFNI is a new account and I have to fix this problem. Thereis an account listed on my credit report that just popped up under AFNI collecting for a company called XXXX for {$2300.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on mycredit previously in XXXX with XXXX XXXX... I wasn't familiar with this account and the balance from XXXX and asked them to SUBSTANTIATE this claim that I owe them because I have XXXX XXXX NOT XXXX.. this is an error. I Have been a victim of ID theft before and I monitor my financial affairs very closely. XXXX XXXX then removed the debt and placed it with another company called AFNI. All this happened under a month ( see attached screenshots ) so how would XXXX send me a right to dispute or explain my rights to I can address and let them know the problem. 
The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers ' credit reports to coerce them to pay the debts. They label this as DEPT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didn't owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THISCOMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because If I am out of my apartment least and can not get my home to move my kids into, I will file suit with an attorney of my choice. I have attached images from my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act.

Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

" I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. t. They are hurting my ability to obtain credit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity-Theft and have reported the fraudulent accounts to the Local Police, FTC and CFPB concerning each incident. I have been informed by them to request an immediate suppression and BLOCKING of these erroneous accounts pursuant to FCRA 605 ( b ) within ( 4 ) days upon receipt of my request to you..Here are the fraudulent accounts and inquiries being reported at this time.
Product: Debt collection

I was sued by ADVANCED RECOVERY SYSTEMS Inc representing XXXX XXXX XXXX. The lawsuit alleged a procedure was performed and in fact, the Nurse was not even licesed to perform the medical procedure that was eventually done. I was not AT their place of business and had proof that I was not there, and that they had in fact not performed a procedure for me. In fact if they HAD it would have been a XXXX felony. I won the court case and am sending in the final judgement. 
My complaint is that ADVANCED RECOVERY would not validate the debt, would not identify themselves, except through their attorneys and a post office box. They reported the debt as valid, frequently ( every ten to fourteen days ) after it was disputed and after the case had gone to trial AND after they KNEW it was a false claim. They are still reporting it. 
I asked for a validation of the debt and their attorney replied by mail. " We called our client and they say its real. '' That was the validation letter. 
Their failure to follow the law has cost my husband and myself lost work and lost credit opportunities because they failed to follow the FDCPA, in fact I 'd say they 're not even aware of the law.
Product: Debt collection

Midland Funding, LLC claims I owe and continues to report bogus debt totaling {$2200.00} purchased from XXXX XXXX XXXX. 

I have disputed this debt through various channels including XXXX  and the XXXX XXXX XXXX. Each institution has sided with the debt buyer, claiming that their reporting is accurate, despite the fact that Midland refuses to provide concrete evidence which corroborates their fraudulent reporting and collection efforts. 

I also wrote Midland Funding, LLC a letter citing Texas Finance Code, and demanding substantive proof of the debt they allege I owe, which received no response, in violation of Texas law. 

I am hoping CFPB can resolve this matter by forcing Midland Funding to immediately delete this bogus collection from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX, Account # XXXX XXXX & XXXX, Account # XXXX XXXX & XXXX XXXX, Account # XXXX XXXX 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

Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer DOB : XX/XX/year> Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( XXXX ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Debt collection

They use numbers that the spoof to call me. They were calling me sometimes 10 times a day and because they were using numbers from any and everywhere I refused to answer. The first time I did answer, he said the same thing that most spam callers say, I am calling on a recorded line, this call may be monitored or recorded for quality assurance purposes like most real creditors do. Their business practices are fishy. They sent me a letter saying that they accept payment by XXXX XXXX and when I sent it, they refunded the payment and sent me another letter stating that they only accept payment by ach or mail in. American Express need to deal with better debt collection agencies. I do not mind paying them the money owed. But I refuse to give money to shade trees.