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

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. These are clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX  XXXX Balance Owed : {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX  XXXX and XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX
Product: Debt collection

This is a reopen for case # XXXX. 

My initial complaint said : YOUR COMPLAINT XXXX XXXX hired XXXX XXXX XXXX, to collection on a debt that I allegedly owe for {$1100.00}. At this time the XXXX, XXXX and I have been unable to come up with an agreement on the account. Respectfully, XXXX XXXX, XXXX has hired Asset Recovery Solutions LLC to collect the amount allegedly owed. 1- On XXXX/XXXX/XXXX, I have offered to settle this account with Asset Recovery Solutions for $ XXXX Asset Recover XXXX declined to accept my offer 2- XXXX/XXXX/XXXX, I spoke with Asset Recovery Solutions and s/w XXXX @ ext XXXX 3- Today, Asset Recovery Solution has done the ultimate collection practices with borderlines extortion,  harassment and intimidation 4- Asset Recovery Solution, advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 5- I advised Asset Recovery Solution that I would settle the account for {$500.00} and that the only way I feel comfortable with any transactions is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 6- the Manager of Asset recovery then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}. I wish for Asset Recovery to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of XXXX to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX. 

Asset Recovery Solutions failed to answer the complaint but responded as : Company responded on XXXX/XXXX/XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX : I am in receipt of your correspondence to Asset Recovery Solutions , LLC concerning the XXXX XXXX XXXX account that was placed with us for collection. We are more than willing to work with you to resolve this matter. We have been given approval to settle this account for {$630.00}, payable in a lump sum or with a structured repayment plan. If you agree to the terms, we can certainly provide you an agreement and you can mail in your payment ( s ) using your personal bill payment from your financial institution. If you have any additional questions or concerns you can certainly reach out to us directly and we can assist you. You can reach me directly at XXXX EXT XXXX. Thank you for the opportunity to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the XXXX Credit Bureau requesting to conduct an investigation and correct the information being reported. The XXXX credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$31000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$750.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX   XXXX {$270.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX  XXXX {$1800.00} XXXX XXXX {$890.00}
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 COMFIDENTIALITY UNDER 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I HAVE NOTICED ON MY CREDIT REPORT SOME THINGS ARE NOT ACCURATE AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVERE 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 i 5 they are supposed to do this ( 5 ) treatment of I DEMAND IMMIDIATE REMOVAL OF ALL INFORMATION ON MY CREDIT REPORT
Product: Debt collection

I received a consumers energy bill owed in my name and its identity theft a never agreed to a bill being put in my name my information was stolen
Product: Money transfer, virtual currency, or money service

XXXX was taken out of my account on XX/XX/year> and I did not authorized this to be taken out of my account and when I tried getting any all information all I was given was XXXX XXXX and was hunger up on
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive attempted to dispute these debts that are on my report multiple times.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . Several of these account were deleted and fraudulently added back to back account after being deleted.

15 U.S.C 1681 Section 602 A. States I have a 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 with out my written instructions
Product: Credit card or prepaid card

On XX/XX/2018 I purchased a XXXX Gift Card from a local supermarket. I loaded it with {$200.00} and paid the {$5.00} fee required to purchase the card. I was careful and made sure the cardboard packaging which held the physical card was in no way opened. When I checked out at the supermarket it was the first time the package was opened exposing the barcode and 19 digit proxy number. I went home and placed the gift card in a box and placed it under the XXXX tree as a gift for my wife. 

A few days after XXXX my wife tried to make a number of purchases with the card and her attempts were denied. 

The card is issued by XXXX and distributed and serviced by Blackhawk Network California , Inc.I tried calling the phone number on the back of the card but it was impossible to speak with an agent. Only when I tried report the card lost or stolen, which it wasn't, was I able to speak to a live person. It appears that while the card was sitting under my XXXX tree, the day after it was purchased on the XX/XX/XXXX, it was used at a XXXX XXXX  XXXX for the amount of {$200.00}. This effectively brought the card balance to XXXX. 

There was no way anyone could have gotten the card information before or during the purchase process. I have to therefore deduce the card info came from XXXX 's computers during or after the activation process. 

I've filed a claim about the fraudulent purchase but they say it could take 90 days to resolve with no guarantee of a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureuas and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX US DEPT ED XXXX Balance Owed : {$2700.00} US DEPT ED XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$2200.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$470.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4800.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$41000.00} XXXX XXXX Balance Owed : {$32000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally address an issue concerning my loan account. An interest charge of {$3900.00} was applied to my account on XX/XX/year>. This charge is unwarranted and requires immediate rectification. To provide context, I ensured that the complete balance for my loan was paid in full before the end of the promotional period, which concluded on XX/XX/year>. However, these payments were not applied to my account until after the promotional period had ended. This delay in applying my payments resulted in the {$3900.00} interest charge. I made the payments on time and Mosaic stalled in posting the payments. Mosaic had full control over when they posted the payments to my account- and there was clearly a delay that was financially advantageous to Mosaic to the amount 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 contacted Mosaic via their email contact feature on XX/XX/XXXX to inquire about the receipt of my payments. Mosaic sent me a generic response regarding how payments can be made and avoided the question regarding the acceptance of my actual payments. 

I contacted Mosaic via their email contact feature on XX/XX/XXXX to inquire about my payments once again. On this occasion, I also asked for the promotional interest fees that were applied to my account on XX/XX/XXXX, to be removed. In this instance, they responded via email Unfortunately, we will not be waving the accrued interest, please keep in mind that the arrival of the payments it is something that we can not control as this are subjected to USPS mailing times. 

On XX/XX/XXXX, I contacted Mosaic via phone. The Mosaic representative would not confirm when the payments were received, only when Mosaic posted the payment into the account. The Mosaic representative said that the interest fees would not be removed from my account. 

I contacted Mosaic via their email contact feature on XX/XX/XXXX to inquire why one of my payments had not posted to my account yet. They responded via email 3 days later. They said {$12000.00} was already reflected in my account and today or tomorrow, your payment will be processed. 

Mosaic failed to post these payments in a timely manner, to their benefit. I am attaching copies of my contract and payment receipts and records as evidence that all payments were made prior to the deadline. I trust that upon review of this documentation, you will agree that the interest charge is unjust and should be reversed. With this {$3900.00} interest charge removal, I also expect closure of my loan account since I paid the full amount of my loan prior to XX/XX/scrub>XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Met a person through reddit who agreed to sell me a game console and games. We agreed to use cashapp as the money transferring service. Upon sending the funds, the person ghosted me and never sent tracking, shipped anything out, refunded me ect. I've contacted cashapp multiple times about the issue in an attempt to get my money refunded. Everytime they give me the same generic excuse. I try to show them info that shows the person in question ghosting me and they say they " don't need that info ''. How can you run a money transfer service and offer no help in regards to getting a persons money back? If the transaction was made on your site and I have proof to show that nothing was received on my end, why would you not investigate the situation in an attempt to retrieve my funds? I marked the transaction as a scam and put in a request to receive my money back. When I called cashapp on the phone to get an idea of how that process works and what exactly they do in order to retrieve the funds, they made it sound as if they had no actual intention of trying to do so. In which case, why include a message stating that your looking into getting my money back upon filing for a refund on the item if that's not actually the intention? 

As for dates and times, I initiated the transaction on XX/XX/XXXX. The person was supposed to ship on XX/XX/XXXX. After 2 days of no response, I contact cashapp through chat on XX/XX/XXXX. As stated above, they were no help. Called them as well on either XX/XX/XXXX or XX/XX/XXXX which as I stated above, also amounted to nothing. 

The amount in question is for {$95.00} total. 

I included screen shots of the conversation with the person as well as my final message to him on the XXXX which he still hasn't replied to. Also showcased his last activity on reddit which was 8 days ago, the same day I sent him the money. This person ran off the second they got paid =/ Included pics as well of my cashapp account " XXXX XXXX' as well as the thiefs cashapp " $ XXXX '' Also showed the refund request which will supposedly be responded to by XX/XX/XXXX but you've already told me on the phone that those are mainly to flag scammers and don't actually help much in getting the money back so not sure what good waiting till that day would do me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account. 

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX XXXX account and a written response outlining the actions taken to resolve this issue.
Product: Debt collection

I am only XXXX XXXX XXXX and I have no history of debt or credit. I was contacted twice over text about owing debt. The message states I owe {$1700.00}, ( that can't be true ) and to pay by calling XXXX. The website looks like the authentic Alliance One website but it is copyrighted in XXXX instead of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened a Secured Credit card credit limit {$300.00} dollars with Bank of America. I closed the account. however Bank of America shows the account charged off. I tried resolving this issue numerous times with bank of America and they have failed to attend to the issue. the have reported duplicate account one for {$160.00} dollars and one for {$160.00} dollars showing it as charged off. the question is this is secured account that means I have paid the {$300.00} dollars upfront and upon closing the account there should be nothing outstanding but bank of America think they can XXXX me because I am trying to rebuild my credit they think my resources are limited and I am not able to do anything about it. I want someone to explain one fact to me if this is in fact a secured credit card {$300.00} dollars collateral from my pocket what money do I owe them? and if I closed the account what fees duplicates slanding my credit for 5 years is crime that bank of america need to be fined and penalized under law. Bank of America is known to be a XXXX and a one of the most corrupted institutions in our country. I demand not only they remove their frivolous slanding accusations from my banking and credit report immediately as I demand that you would fine them for their reckless behavior
Product: Vehicle loan or lease

I've called in 3 times to try and get a 2 month deferral due to several reasons. 1 being 3 time XXXX patient. 2. lost my boss to covid so ive lost my extra income. 3. family is struggling with covid. they say i'm maxed out. ive told them i cant make a payment until XX/XX/XXXX when i get my next social security XXXX check and even then it will only be for XXXX and i owe 2 months. I have XXXX and they keep calling even though ive explained i cant do anything until the XXXX. they are causing me XXXX XXXX. i've having a hard time just keeping going and not XXXX  myself these harassing calls arent making it better nor is the fact i know at this point they can repossess the car at any minute.
Product: Credit reporting or other personal consumer reports

I paid this account off on XX/XX/2023. I checked my credit report a week or so after, and noticed that it was reporting that I owed over {$2000.00}, which was several months out of date, and it was being reported as 60 days late. I assumed a dispute would allow me have this updated quickly. I disputed this account with each of the credit bureaus and each one said the account was verified. They changed the amount owed to just over {$1600.00} and the status of this paid off account was still being reported as 60 days late as of XX/XX/2023. I called the creditor to get them to update the bureaus. They said they had not received any request for an update. It has now been over 45 days since I paid this account off, I have disputed more than once in an attempt to have it updated but it is still reporting this account as 60 days late with a balance owed. This has affected my credit score, and my ability to obtain new auto financing. I need this corrected immediately.