23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Due to the laws of my state of New York, as of XX/XX/XXXX, the updated The Consumer Credit Fairness Act of XXXX, the debt with account number XXXX that your company is claiming to be owed to your collections company is 7 months past the 3 year statute of limitations, this account is listed with XX/XX/XXXX date. As per the law pertaining to my state, all collections activity for this debt must stop which includes, mail, credit reporting, phone calls etc. If your company continues any form of debt collection including but not limited to credit reporting this case will be brought to the attention of NY state attorney general and also your company 's home state 's attorney general. The CFPB is a third party witness as a communication channel to this debt collections company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting false or fraudulent information on my credit report. There is an inquiry on my report from XXXX/XXXX  XXXX which occurred in XX/XX/2020, XXXX/XXXX  XX/XX/2020, and XXXX  XX/XX/2020. I have no knowledge of this company nor have I authorized or signed any contracts. I have sent dispute letters to Experian, and results have came back in the decision not to remove an inquiry with no proof provided.
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, 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

My name is XXXX XXXX. I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete XXXX XXXX from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Product: Credit card or prepaid card

On XXXX XXXX, we reserved a rental car online thru XXXX. They reserved in calif but billed to their head office in XXXX XXXX. This was 'suspicious ' according to Elan so they blocked our card without notice. It was a Fidelity card issued by Elan Financial Services. 
We called and supposedly had our card unblocked especially the XXXX charge, that we advised was legitimate. When we traveled to pick up the car XXXX XXXX, ..it was still blocked! We called again and unblocked it again. 
Our complaint speaks to the general issue of blocking cards without notifying card users. 
Of course we are cancelling this card, the agrivation became just too much. However, we would welcome regulation that would require card holders to be notified of blockages. In some ways I feel they were harassing us to get us to cancel due to our age. 
Our card was blocked nearly every other month we used it.
Product: Credit card or prepaid card

CREDIT CARDS {$1300.00} Reported balance BANK OF AMERICA Last reported XX/XX/XXXX {$1300.00} Reported balance Credit limit {$10000.00} You're using 14 % of your account 's limit OVERVIEW Credit limit {$10000.00} Minimum monthly payment {$35.00} OpenedXXXX XXXX XXXX ( 2 yrs, 5 mos ) PAYMENT HISTORY You've made 100 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status XXXX green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status XXXX green_status green_status green_status green_status green_status green_status Current red_status Not current Last paymentXX/XX/XXXX Payment statusCurrent Amount past due {$0.00} Worst payment statusCurrent ACCOUNT DETAILS Account statusOpen TypeCredit card ResponsibilityAuthorized User Remarks -- Times 30/60/90 days late0/0/0 CONTACT INFO BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX See a mistake? 
You have a right to fix itIf the account 's not yours or the info 's wrong, we'll help you dispute it with XXXX It won't hurt your score. 

not my account not my social security number I DO NOT LIVE IN NEW JERSEY
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act 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,, 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 furbish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 in MONTHS REPORTING LATE 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.

This company 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.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow color highlighted that is tag as in violation 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 no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
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, 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

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : I don't recognize this account
Product: Debt collection

My latest credit report review revealed several accounts that I believe were added without my permission and are incorrect. I request that these fraudulent accounts be blocked and removed immediately.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

In XXXX I left a company, and several months later a collection agency contacted me stating that I owed {$26000.00}. After several months and years of contact, no contact, could n't figure out where the debt sat, I was served with a lawsuit in XXXX XXXX. However, I hired a lawyer, he demanded verification of the debt. When we received that, it was a man made excel spreadsheet with many many errors, including duplicate charges with different amounts, overlapping charges, as well as the amounts did not sync with their claims. It was eventually taken before a judge and the judge dismissed the claim in CA court. Now the statutes of limitation has ran out, but they refuse to take it off of my credit report ( they said in XXXX XXXX it was n't on there, but it has been there since XXXX XXXX. ) They keep telling the reporting agencies that instead of resolving this, I need to call them. However, the contact uses very threatening and intimidating language and tactics and I am not comfortable doing so. Even my lawyer was shocked at how aggressive and threatening he was. 
Also, they accessed my credit report without my consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 for the amount of {$3800.00} from XXXX XXXX  I have contacted XXXX XXXX  and they have sent me a statement saying that the information is incorrect that they're overcharging me but they're refusing to do anything about it
Product: Debt collection

I signed a contract on behalf on my company to engage a collection agency to go after debts that are owed to our company. They send over an outrageous bill to our company for debts that they were not able to collection. They are now threatening to go after me personally and have made numerous threats to destroy my good credit if i do not pay them. They are claiming that I personally guaranteed the contract because I inadvertently signed the agreement with the caption as personal guarantor. There is no agreement or consideration for me to be a personal guarantor of this false claim. 

The owner of the company uses a fake alias and has made XXXX-XXXX  remarks and threats to me and my partner. He has threatened to sue me personally and has disclosed private information about me to show that he has access to my personal and private information.
Product: Money transfer, virtual currency, or money service

I lent {$200000.00} to an investment company called Blockfi Inc. It has a private client program, a premium service where the investors have individual contracts. Unfortunately, just a few days after I delivered the {$200000.00} funds, Blockfi has become unresponsive and defaulted my contract already incurring additional penalties. They are unresponsive to my request just to transfer my funds to the Wallet account. 

How can we file a lawsuit against Blockfi given the bankruptcy proceedings? 
My legal demands below remained unresolved. 

=========================== Re : Blockfi Private Client Terms of Contract XXXX ( Client : XXXX XXXX XXXX ) According to Section XVIII. Term and Termination : The term of the contract Agreement shall terminate ( i ) as set forth in Section VIII or ( ii ) upon 10 days written notice ( email sufficient ) by either party to the other party ( the Term ). 

The client made multiple requests 3 weeks ago in written forms to transfer his {$200000.00} USD funds from the Private Client to the Wallet according to contract XXXX. The first written request was made on XX/XX/XXXX, XXXX XXXX  XXXX, followed by XX/XX/XXXX, XXXX XXXX  XXXX, etc. 

According to Section VIII. Default of contract, Blockfi 's failure to respond to the lender 's multiple requests to transfer the funds to his Wallet Account continued unremedied for the period of five ( 5 ) Business Days incurred an Event of Default, with the penalty of 1 % per month remaining on contract.

Client 's funds should have been in the Wallet by now. I repeat this demand. 
The contract is attached for your reference.
Product: Credit reporting or other personal consumer reports

There is a current account under collections that belongs to an account previously removed from my credit report by XXXX XXXXXXXX XXXX as this account didn't belong to me. 

XXXX XXXXXXXX bank and all XXXX major credit reporting agency has failed to correct this information for the last past XXXX years. 
Account in Collections XXXX XXXX XXXX HAS BEEN ON MY FILE SINCE XXXX  ORIGINAL DEBTOR XXXX XXXX BANK REMOVE ERROR ACCOUNT FROM MY PROFILE BUT XXXX XXXX XXXXXXXX AND EXPERIAN HAS FAILED TO CROSS REFERNCE AND TAKE THIS OFF MY ACCOUNT. 

XXXX OPENED XXXX {$300.00} SHOULD NOT BE ON MY REPORT AS THIS IS INCORRECT THERE IS NO DEBT WITH ORIGINAL CREDITOR. 
REMOVE
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Ive disputed this multiple times ( XXXX XXXX ) and they have not fixed the issues. The reporting is incorrect therefore it should be deleted of my credit report. It has not been late and it was paid In full!
Product: Checking or savings account

Truist bank accepted a XXXX payment sent to me and the bank wont release my funds to me. Gave me the run around for 5 days
Product: Credit card or prepaid card

I got two cash app payments. These two payments are missing. The first one from my friend name XXXX for XXXX on XXXX XXXX. I never received it. Theyre telling me i had other payments that came threw that took the {$27.00}. Not true what so ever. After my purchases, i still had {$14.00} left over. Now the next missing cash app was made on XXXX XXXX. XXXX {$20.00}. I never received it. Im mad as XXXX because i feel like theyre just out right taking my money. All i want is my missing {$27.00} and {$20.00} and ill be done with cash app forever. This is the same reason my friends on XXXX and XXXX done deal with cash app now. I feel so stupid for not listening to people. My name is XXXX XXXX. My number is XXXX.
Product: Student loan

I obtained several student loans to attend school. I defaulted on these loans after graduation. The loans were transferred to Regional Adjustment Bureau , Inc. ( " RAB '' ) who began contacting me in XXXX. In XX/XX/XXXX, I entered into a loan rehabilitation program with RAB. I made a large down payment in month XXXX and then made XXXX more consecutive on-time payments. On XX/XX/XXXX, I completed the loan rehabilitation and the loans were sold to a creditor. RAB provided no information on the individual loans. Instead, they provided a single amount owed and treated my situation as if I had only XXXX consolidated loan. 
After the rehabilitation closed, I was not provided any information by XXXX as to where my loans were going to be transferred. I was contacted by XXXX as my new loan servicer. So I began making payments to XXXX in XX/XX/XXXX and have been on-time ever since. 
In XXXX, however, I was contacted by a debt collection agency stating I was in default on XXXX of my loans. After reviewing the Dept. of Education 's FSA site, there was indeed a loan in default. XXXX had no record of ever receiving this loan from RAB. RAB has not returned any of my emails and calls seeking information as to where they sold the loan in question. However, it is clear that RAB failed to properly transfer my loan. I was never notified by RAB or anyone else as to where the loan was transferred to. I never received a single letter or phone call about the loan until XXXX. In short, my loan was 'debt parked. ' As a result of RAB 's failure to transfer the loan properly, failure to provide me with any notice of transfer, and failure to provide an accounting of loan balances, I was given no indication of a pending problem and the loan has incurred immense interest charges on top of the capitalization of interest originally agreed to with RAB in XXXX. 
In summary, RAB has greatly harmed me through its conduct. RAB capitalized its high collections fees into my loans, failed to properly transfer XXXX of the loans, failed to notify me of any transfer of the loan at issue, and failed to provide detailed information as to where the loan at issue was transferred. It is not clear what happened to the loan at issue, but it clearly " fell through the cracks '' after RAB 's failure to properly transfer. As a result, interest has accumulated for years without warning.