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

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due XXXX XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

Using the Venmo app I added {$200.00} from my bank account, it never appeared in my Venmo, so I call and they tell me it was refunded because of insufficient funds, I check my bank statement and I see that the {$200.00} did go through, the bank even charged me a {$36.00} overdraft fee for covering it. It was completed and finalized. None of this transactions appears in the Venmo app. I talked to XXXX different customer service employees but now I can't get a response. And also when they " refunded '' the money back to my account, the bank charged me a fee again. They took my {$200.00} out of my account without my permission then lied about it being there, I have all the bank records
Product: Credit reporting, credit repair services, or other personal consumer reports

A Collection company is trying to collect from me. The document that they are using against me and as evidence has a signature that is clearly NOT my signature. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the federal credit reporting act. The list of accounts below have violated my federal protected consumer rights to privacy and considerably under 15 US C 1681. 

XXXX XXXX ; XXXX XXXX XXXX ACCOUNT XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that 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 conviction of crimes, which antedates the report by more than seven years.

15 U.S. C 1681 s-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 calls to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I obtained a 36 month lease on a vehicle. 

From XX/XX/XXXX through XX/XX/XXXX, that vehicle was being repaired by the dealer due to repeated mechanical problems. 

According to the customer service department if the financing company, because I was not provided a loaner vehicle by the dealer, I would not be responsible for lease payments until the repairs were complete. 

When the vehicle was picked up on XX/XX/XXXX, the odometer read 15,000 miles, rather than the sub-500 miles it read when it had when it was dropped off. After a threat of a lawsuit, the dealer agreed to cancel the lease. 

On XX/XX/XXXX, I received a letter from the financing agency reflecting the cancellation of the remaining balance. 

On or about XX/XX/XXXX, my credit reports with all three major credit bureaus were updated to reflect delinquent payments for XX/XX/XXXX through XX/XX/XXXX. I sent in a copy of the cancellation letter and an explanation of the repairs, and the delinquencies were adjusted to XX/XX/XXXX through XX/XX/XXXX, with the status being changed to 'repossession ', and an open balance of {$13000.00}. 

On XX/XX/XXXX, my credit reports with all three major credit bureaus were updated once again to reflect this account as having a " most recently paid '' date of " XX/XX/XXXX '' with a payment amount of XXXX  dollars, an account balance of {$26000.00} and an account status of " Charged off as bad debt ''. 

I have disputed the facts of this debt with all three credit bureaus, but they all claim it " meets FCRA requirements ''. I have also sent multiple requests for debt validation via certified mail ( the most recent was received on XX/XX/XXXX ), but the financing company has refused to comply with my request, and is continuing to report my information to the three major credit bureaus ( the most recent credit report was submitted XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX on XXXX XXXX, XXXX that XXXX XXXX XXXX has reported that I now owed them {$17000.00}. I was confused. I quickly contacted XXXX XXXX XXXX customer service and ask them what is the current amount I owe on the loan. The customer service rep advise that I only owe {$2500.00}. I told her that they had reported to Experian that I owed $ XXXX. She was well there is nothing we can do about that you will need to file a complaint. I was like that does't make sense there is no other department that I can talk to about the error. She said no. She told me to file a complaint. So that is what I am doing.
Product: Credit reporting or other personal consumer reports

Received a negative account activity for an account with XXXX XXXX XXXX ( XX/XX/year> ) stating that collections account {$150.00} are past due as of XX/XX/year>. I do not have an account with XXXX XXXX.
Product: Debt collection

I open my credit karma report and notice that I have a collection that is not mine. From CAC Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX for XXXX dollars. I call them and they said they know nothing about it but wanted my SSN and DL number that I did not provide to them because they have a rating on XXXX star at the BBB and other have has similar problems with them. Apparently this company is making fraudulent collections to many others in the hope people who do not know better pay them. This account according to my credit karma report was opened on XX/XX/year>.
Product: Debt collection

Please close this Collection on my XXXX account I paid this account and she continues to report on my credit as not paying I have already sent a paid account document to the XXXX to remove this account and it remains in my credit Account # 1 {$150.00} Balance XXXX XXXX XXXX XXXX XXXX  Original Creditor {$150.00} High Balance XX/XX/2018 Opened Date XX/XX/2018Last Reported Individual Responsibility Dispute resolved ; reported by grantor Remarks
Product: Credit card or prepaid card

American Express XXXX. Http : //Pay.gov Tracking ID : XXXX .Information to bank to remove the debit block. Company ID : XXXX Name : XXXX  XXXX Invoice from XXXX XXXX XXXX  XXXX ( XXXX ) Unclaimed Payment ( XXXX ) XXXX Merchant Payment Profile ID : XXXX XXXX XXXX Bill Pay Federal Document Nbr XXXX Executive Office for XXXXmmigration Tax Reform USA President XXXX XXXX XXXX Itinerary Summary On Hold Record Locator : XXXX This reservation is on HOLD until XX/XX/2019 XXXX XXXX  CET ( Central XXXX Time ). Electronic payment Receipt Acknowledgement - XXXX ( XXXX ) Have No valid Ticket number - XXXX member XXXX
Product: Vehicle loan or lease

I filed a complaint with the CFPB back on XX/XX/XXXX complaint XXXX. 
Prior to the merger at Truist, I was a successful realtor and I was managing a successful credit counseling business, and I was expanding my business to include courses. From XXXX XXXX XX/XX/XXXX I struggled access to my mobile banking despite working with several customer service representatives, in-person visits, and every method I could think of to take corrective measures. Despite submitting a correspondence receipt to have the car on auto pay it was not processed and beyond that, most of my account 's auto pay stopped working effectively despite working several hours constantly to find a resolve. 
Truist often times then and now can not locate my accounts at any given notice. My merchant account was frozen because they were not able to recoup payments despite requesting it be set up at the bank directly. As a result of Truist Banks Negligence I exhausted my funds because they froze my business bank account linked to my merchant account that accepted all recurring payments from my clients because they performed an internal offset and deducted money from my account that I did not know were owed at that time. I called their Fraud Department to inquire about what the charge was for and the representative did not recognize the balance was an internal charge and despite my request for him not freeze my account he did it any way and as a result I could not manage my businesses effectively. I ultimately exhausted funds while working with XXXX XXXX XXXX a Truist Client Advocate. Upon the completion of her investigation, she only responded with the obvious that my accounts were damaged but she did not address why my communications with the bank were not followed which resulted in great financial harm. I was abducted in a recently purchased XXXX XXXX and I was abducted in the vehicle when I was lured by a " XXXX  XXXX '' to a XXXX XXXX where I was XXXX XXXX XXXX and the criminals intended to steal and following that event I became a victim of XXXX XXXX XXXX between XXXX XXXX XXXX. During this time I was developing a mass in my XXXX which has been diagnosed stage XXXX inflammatory XXXX XXXX. On XX/XX/XXXX I was sued by Truist Bank for contractual breach of the auto loan which would of never happened if my accounts were managed properly ( XXXX ) within the XXXX XXXX XXXX  XXXX XXXX XXXX I have responded and I am requesting a waiver of fees so I may file a counterclaim for the damages. I am filing this complaint today with hopes of being reassigned a Truist Client Advocate to reinvestigate the issues with my accounts such as bank reps are still unable to provide me with all statements requested and Business Credit Statements which are pertinent to this case. I contacted my original advocate XXXX XXXX but her number is no longer working. I am unable to provide the vehicle loan number but I am submitting my simple business checking account number for look up purposes.
Product: Credit reporting or other personal consumer reports

According To The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B )., There are several accounts listed on my credit report XXXX XXXX XXXX XXXX  XXXX that read incomplete and I have a right to dispute incomplete or inaccurate information in your report according to Fair Credit Reporting Act 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B ). These Matters DO NOT Show On Any Other Credit Reporting Agencies
Product: Debt collection

I am not liable for this debt with USCB America. I do not have a contract with the collection agency, trying to collect and reporting this to my credit report. They did not provide me with the original contract as requested. I would like to know what information was provided to show proof that they violated my HIPAA protection rights. They obtained medical information concerning my medical history and used it to threaten and harass me to pay a bill. My XXXX writes are clearly violated by XXXX obtaining my medical history information. I want their collection thats of two that disputes removed from my credit history immediately.
Product: Checking or savings account

Withdrawals, and reversals of transcations that I do not use that company. XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing t properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX5 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: Debt collection

My insurance company were to pay all my XXXX and they never did. I was in a terrible XXXX in which all my XXXX were to be paid and that did not happen. So all of my XXXX were put in collections due to them not taking care of this serious situation. I did not have the money to pay them myself. LANCASTER COLLECTIONS XXXX XXXX XXXX XXXX XXXX PA
Product: Debt collection

The account balance owed with Wells Fargo was {$7000.00}. I called Wells Fargo to get th balance paid to improve my credit report and they gave me the contact information for lawyer office that had my account. I reached out and spoke with XXXX XXXX about setting up an agreement to pay the balance. He told me that I had no choice but to pay a high amount for the payment plan. I kept advising him that I could only pay {$120.00} per month. After months of him telling me that he would have to see is Wells Fargo would agree with the amount for monthly installments, he finally said that Wells Fargo approved my request to pay {$120.00} per month. When I would call Wells Fargo, they would tell me they no longer had my account. However, XXXX XXXX makes it seems as if the account has to be approved by Wells Fargo for payment agreement. He advised that I was not allowed to mae any payments until the agreement had been sent to me in the mail and signed and returned to him. It took over two months for the agreement to arrive to my home after calling XXXX XXXX to ask about the status, he said he would resend it. The agreement was made to pay {$120.00} per month with the first check processed on XX/XX/XXXX. I had paid {$120.00} every month thereafter. I had missed the payments in XXXX and XXXX then sent a {$250.00} check to the company on XXXX. I confirmed with the agency speaking with XXXX XXXX and he agreed to reach another payment agreement. We confirmed the payment arrangement would be {$120.00} every month moving forward on XXXX. The balance had been paid down to {$6300.00} at this point. I was served with a complaint filed from the collection agency/lawyer on XX/XX/XXXX. I asked XXXX XXXX if I could pay the {$120.00} until I receive the new agreement of payment by XXXX XXXX ( per his request ), he told me that would not be a good idea to make payments towards the balance until the letter is received and signed then returned back to him. I filed an answer with the state court to confirm the balance on XXXX to avoid judgement not disputing the debt owed. XXXX XXXX sent me an email on XXXX stating that my balance with all fees and costs will be : {$7200.00}. The principal balance on the account is {$6300.00}. The balance with fees and costs is higher than what was owed to Wells Fargo initially. The balance owed for my debt is {$6300.00}. Now I am getting this charge off reported on my credit report every month since XXXX XXXX I am a XXXX  mother just trying to pay this debt off so that I can move forward. I am unable to find housing because of this chargeoff and it seems to have become a heavier load on me.
Product: Debt collection

I received a call and letter on XX/XX/year> from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
About a collection I am currently disputing ( National Credit System ) Account # XXXX I replayed asking for a debt validation request dated XXXX XXXX, XXXX. After reviewing the documentation they provided, I have identified inaccuracies and insufficiencies in their response. 
Specifically, the resident charge/payment ledger they provided contains discrepancies that do not accurately reflect the alleged debt 's history. I was requesting that the firm address the following : 1. Inaccuracies in the Ledger : Please provide a detailed and accurate explanation of the discrepancies identified in the ledger. Include all supporting documentation that verifies the accuracy of the charges and payments, such as invoices, receipts, and transaction histories.

2. Full Disclosure of Purchase Agreements : As part of your obligation to validate this debt, I formally request full disclosure of all purchase agreements or assignments related to this alleged debt. This includes but is not limited to : A copy of the original agreement with the creditor. 
The chain of title and all transfer/assignment documents showing ownership of the debt. Any terms and conditions outlining the agreement 's enforceability. 
Please note that under the Fair Debt Collection Practices Act ( FDCPA ), they are required to provide this information to validate the debt. Without such documentation, your claim to collect this debt is not substantiated. 
The law office did not reply.
Product: Debt collection

Good Afternoon, My name is XX/XX/XXXX, currently I owe {$4800.00} to IQ Data INT. In the past I did stay in apartments and had a roommate of the name XX/XX/XXXX. I did not finish the whole the lease but I did sign a Roommate Release Form and had my name removed from the lease along with any other payments. Recently I tried to apply for an apartment and this popped up, I 'm just very confused and would like this matter resolved since it was no longer my debt once i signed the release form. I 'll be awaiting your regards.
Product: Credit reporting or other personal consumer reports

RE : You Violated The United States Code Law 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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX Account XXXX : XXXX Please delete from my credit report immediately 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX XXXX  Account Number : XXXX Please delete from my credit report immediately Sincerely, XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency Please see the attached file.
Product: Debt collection

As a consumer, I XXXX XXXX certify that it is only me who has prepared this letter. therefore you are in direct contact with me and only me. to insure that you know it is only me, i'VE ATTACHED A COPY OF MY SOCIL SECURITY CARD. I a the only person who would have access to that so that is proof that it is me. all these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission. I contacted the Federal Trade Commission and filed complaints # XXXX and it is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. extra extra FAST 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. i will not take no for an answer, So just cash me out please. FURTHERMORE This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I Do not VALIDATE THIS DEBT. just kniow that. 
I demand that the following account be verified or removed immediately
Product: Credit reporting or other personal consumer reports

Equifax data breach caused my personal information to be exposed unlawfully and as a result my identity was stolen and resulted in fraudulent accounts be opened in my name and as a result i have suffered financial hardship.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report from XXXX, XXXX and XXXX I noticed two recent credit inquiries made by Chase Bank on XX/XX/XXXX and XX/XX/XXXX. These inquiries were made without my consent or knowledge. 

I would like to clarify that I have not initiated any credit applications or transactions with Chase Bank during the time frame indicated in the inquiries. My account has been closed and i am not able to bank with chase. 

These unauthorized credit inquiries have the potential to negatively affect my credit score and overall creditworthiness, which is a matter of significant concern to me.