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

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX XXXX  ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

LAST MONTH XX/XX/XXXXXXXX  I RECEIVED AN EMAIL OF MY INVITATION TO THE XXXX XXXX XXXX XXXXXX/XX/XXXX TO THE XXXX XXXX. I WAS TOLD BY PHONE TO COME DOWN TO RAPID CASH ON XXXX ONLY TO GIVE ALL MY INFORMATION AND BE DENIED AFTER I WAS PRACTICALLY TOLD I WAS APPROVED. THEY PULLED UP SOMETHING FROM XXXX AND EVEN WHEN I GAVE MY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX THAT WAS DISCHARGED XX/XX/XXXX. I WAS COMPLETELY IGNORED I TOLD HER WHY I NEEDED I FELT COMPLETELY FRAUDULENTLY USED FOR SOMEONE ELSE. I GET TO XXXX XXXX XXXX ALRIGHT LOOKING AT PEOPLE I BEEN REPORTING PRACTICALLY SINCE XXXX. I HAD NO BOOTH I HAD NOTHING AND I WANT ANSWERS.
Product: Checking or savings account

XXXX placed for gas powered motorbike with Company XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX on XX/XX/23 for {$590.00}. Company did not deliver item, does not answer calls email or text and despute filed with Chime bank was ignored. Company has a history on consumer review forums of arbitrarily keeping payments without sending items as was brought to the bank 's attention to no avail. Request item be delivered with partial refund or full refund plus lost interest be returned.
Product: Debt collection

XXXX XXXX AND CREDIT CONTROL CORP. 
Disputed on XX/XX/XXXX. Filled out a police report on XX/XX/XXXX. I filled out an identity theft report for XXXX XXXX. Received an email from XXXX XX/XX/XXXX stating they approved and zeroed out the collections. Would be gone by 90 days off my credit report. waited the days and contacted XXXX again on XX/XX/XXXX. Was told she was going to look into it. Never heard back. I emailed XXXX again and got a response. She sent an email of the collections saying it would be off. Emailed her back on XXXX saying that it was incorrect information on the statement she sent. Never heard back. Emailed again on XXXX stating I wanted answers. We keep going in circles. I called the collections agency and told me to contact XXXX XXXX again. I called the number provided with her email and it is a nonworking number. This is getting out of hand and I want answers!
Product: Credit reporting or other personal consumer reports

this account was charge off in XX/XX/2022, since then the account has been updated as a charge off every month. this is an update in the payment history. a charge off account should NOT include an active payment history. this inaccurate information Falsely manipulates the statute of limitations. failed investigation to this account properly and neglect has violated my rights. i am demanding a deletion of this account. 


ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a credit notification that a collection agency representing XXXX XXXX had reported to all three Credit Bureaus a {$150.00} past due bill as well as a new ( and inaccurate ) residential address in XXXX XXXX XXXX. I live in Utah. 

On that same day, I disputed the inaccurate information with Equifax, XXXX, and XXXX. On XX/XX/2019 I received notice from Equifax that the inaccurate residential address was removed, but the collection notice was correct. 

I have verified with XXXX XXXX that the XXXX XXXX XXXX address is the same that is on the fraudulent account which Equifax removed. 

XXXX  quickly removed all fraudulent activity on XX/XX/2019. I'm awaiting XXXX XXXX investigative results.
Product: Debt collection

In XXXX of this year I wrote Portfolio Recovery Associates , LLC, requesting Verification after I noticed several collection on my credit report for the same account " XXXX ''. Portfolio Recovery have not responded to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW FINANCIAL SERVICES Inquired on XX/XX/2019, XX/XX/2019 add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

XXXX account opened Received letter saying a lien was placed on my house and credit was reported on XXXX 15 day past due bill which I called and spoke to multiple people to let them know I was in the XXXX  I have medical records that can prove all of that. They continue to call and threaten my credit and home. I have paid the account up to date plus an extra payment. I called to ask how to resolve this lien issue the company informed me that they only have one call center and that they could not provide me with any information or phone numbers to contact anyone above the person I was speaking to and I could call and call but would not get any further information or contact from anyone other than him and the agents at this call center. The loan was a home improvement for XXXX. Again Ive paid in full but I XXXX XXXX XXXX XXXX XXXX XXXX  which I tried explaining to them and they basically disregarded all my concerns and issues. And wont help me in speaking to anyone that possibly could and I was XXXX  from XXXX until XXXX in the XXXX  so it wasnt that I left with no contact but there was little I could do. Also if medical numbers or my medical team or XXXX  need to confirm my dates I can release certain information to you. I find it disturbing that a company would treat me this way. Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX and something got a capital one card in my name and the credit bureaus will not remove it I have proof that I was XXXX before, during, and after the account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I requested copies of all of my credit reports as directed by the FTC.. I mailed Experian a Dispute and letter along with a large packet of supporting documentation. to correct & remove along with police reports and FTC IDENTITY THEFT REPORT on XX/XX/19. on XX/XX/19 aprox 11 days later, I received a form letter from Experian that they " were unable to honor your request '' no explanation, no reason, just that they were not doing it. I sent XXXX  and XXXX identical packets of Documentation and they corrected and removed Fraudulent information and errors. Along with the identity theft I discovered Astronomical amount of errors on my Experian Credit report.Numerous random name variations that I do not use. Incorrect name spellings.9 different addresses for me that I have NEVER lived at, Some of these addresses do not even exist. I sent in my last 24 years of drivers license as proof of the ONLY 2 homes I have lived in 24 years! Information shared without consent.Credit inquires from unknown sources. XXXX XXXX a party to this identity theft due to thier stolen check with my pre- printed information on it, Stated to me that they were sold my personal information by Experian and this is how they came to send me a pre printed check for a loan that I did not request! that was stolen. Outrageous practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX stop reporting my payments to the credit bureau agencies from XX/XX/XXXX to XX/XX/XXXX. Their reason/excuse is due to the economic relief Cares Act which has actually hurt my credit rather than help it. In addition to this, XXXX XXXX have FALSELY reported my payment history in previous months. They reported my account to be 60 day late twice in XX/XX/XXXX and XX/XX/XXXX. I disputed this information with the credit bureaus twice but the inaccuracy remained. Finally I wrote XXXX XXXX XXXX department on XX/XX/XXXX, they replied to me via mail and according to their own research, the payment history they provided for my account DOES NOT show any 60 day late in XXXX ( see attached ). So the information provided to me from their research letter IS NOT the same information they're providing to the credit bureaus.I provided the letter to the credit bureau ( EXPERIAN ), they acknowledge the discrepancy, however they inform they are not able to update the information without XXXX XXXX XXXX providing them the updated information. This issue has made it extremely hard for me to purchase a home for my family as well as other financial obligations ( rental, auto refi, etc ). XXXX XXXX XXXX should be held accountable of the way they've mishandled my accounts. This is a clear violation of the Fair Credit Reporting Act.
Product: Debt collection

On XX/XX/XXXX I was contacted by Phoenix financial services in regards to an account I have in collections I asked for validation of the debt the collector continued to argue with me about hippa laws so after a few minutes of this I asked if this company accepted verbal cease and desist on their account he stated yes so advised them not to contact me anymore. On XX/XX/2018 I received just a basic debtor statement in the mail not the validation notice I requested so I called the company again and requested a supervisor, I was told one wasnt there but would call me right back but never did. Fast forward to XX/XX/2018 I received a voicemail from the same collector again so I called back and asked him why he called me when the account was supposed to be in cease and desist he said I never told him to put the account in cease and desist I had only given him one number not to call which was the exact number he called. I requested his supervisor who said he would pull the calls and to call back. When I called back I got that supervisors supervisor her name was XXXX she also said to call back she would have to pull the calls. When I called back she kept arguing and speaking over me making excuses for the company Ive advised ever person Ive spoken to Im a collector and the fdcpa violations theyve committed.
Product: Credit reporting or other personal consumer reports

Equifax has failed to properly investigate disputes regarding inaccuracies on my credit report. These inaccuracies include accounts I have no knowledge of, complete misspellings of my name, incorrect physical addresses, and invalid phone numbers, all of which strongly indicate that my identity has been compromised. 

The following accounts must be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I request that any spelling of my name other than XXXX XXXX or XXXX XXXX XXXX be removed to ensure no fraudulent accounts can be added or used again. 

Please also remove all addresses other than XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, as all other addresses are invalid. 

Furthermore, remove all phone numbers other than XXXX, as they are incorrect and do not belong to me. 

I have consistently reached out to Equifax, providing proof and requesting validation of all disputed accounts. However, Equifax continues to respond within 2448 hours, claiming the accounts are accurate without providing any evidence of a thorough investigation. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. 

Equifaxs lack of effort also potentially violates the Consumer Financial Protection Act by failing to ensure accurate credit reporting and protect consumers. I request immediate action to ensure Equifax complies with federal law, conducts proper investigations, and provides proof of these investigations to consumers. These ongoing failures are unacceptable and must be addressed.
Product: Debt collection

On XX/XX/XXXX I was alerted that a frivolous collection agency PROCOLLECT INC. placed an account for collection on all credit bureaus for the amount of {$300.00}. I immediately notified the agency that I do not lawfully owe this due and requested all documentation stating that I owe the collection agency. No contract nor legal obligation, contract, or agreement has been signed nor documented. The agency failed to provide sufficient information to validate the debt yet continued to harass and report a negative status and balance to all credit bureaus. Please note I wrote the creditor again on XX/XX/XXXX ( find documentation attached ) to request not verification but true validation of this debt and any contracts signed and or any legal statute that the collection agency can collect legally on this debt. On XX/XX/XXXX PROCOLLECT INC wrote and informed me they have investigated and responded yet I have not been provided any legal documents stating that I owe the company. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. XXXX XXXX needs to be held accountable for its unlawful actions.
Product: Debt collection

On XXXX, XX/XX/2018, Hunter Warfield ( Bill Collector ) contacted me at XXXX which is an observed Holiday and known inconvenient time in which was a violation of FDCPA laws. They first would only ask for me by name and would not tell me where they were calling from which is a violation of TCPA laws. They did not tell me that the call was being recorded at the onset of the call in which also is in violation of Florida law. 

I had let them know that it was an observed holiday and an inconvenient time and they did not care and they were quite rude in regards to speaking with me, again before I was to sit down for XXXX dinner. I had called back and asked to speak with a manager who I had told that they were contacting me on an observed Holiday and he did not care and became rude with me as his only care was my bill. 

On XX/XX/XXXX they had contacted me again on my cell phone while I was at work. Again asking for me by name and not telling me who they were until I was upset. Once this occurred I had spoken with them in regards to the holiday call and they did not care and were rude. I let him know I was going to speak with my lawyer into the matter to see if this was legal. The individual became even more rude and disconnected the call after he was insisting I give him my lawyers contact information. I had told him I would connect with my attorney prior to them speaking with him in which he just threatened he has 14 days to contact him. I had called them back and spoke with someone else in regards to how I would not be threatened or spoken too in that manner and that I was reporting them to the XXXX/CFPB and possibly my State Attorney General. 

This type of business practice must stop. I have told them where my bills are and when I can make payment and they do not care and just become more rude. They have contacted me many times prior to this but I was not tracking it as I am now. I have seen that there is over 500 reports against them with the XXXX XXXX in which I have filed mine as well now. I need assistance in this manner.
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 process 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 financial loss, and I seek appropriate redress. ( 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 process 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 financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 for any purpose
Product: Credit reporting or other personal consumer reports

I am not able to access my credit report or credit score on TransUnion website. I have an account with them. When I login and submit request for credit report and score, nothing happens. I paid for the score but nothing showed up. I can only see my score on XXXX XXXX and my score keeps dropping and I dont understand why. It just dropped XXXX points. Also I am trying to submit disputes and it only allows XXXX at a time. If that XXXX dispute takes 30 days then I have to wait 30 days to submit another one.
Product: Credit card or prepaid card

I am a recipient of Unemployment Insurance benefits from the State of California via debit card issued by Bank of America. On XX/XX/XXXX my debit card was frozen due to alleged fraud. Since then, California has determined that my account was NOT a fraudulent account ( XX/XX/XXXX ). My identity has been verified numerous times to CA XXXX. To date, Bank of America has refused to re-open my debit card, will not give me a balance which was approximately {$7900.00}, and will not send a check to me instead. Their response is that " due to bank policy '' they can not unfreeze my card. They will not explain in detail what that policy actually is. I have been working through my State Senator 's office XXXX XXXX, to resolve this since XX/XX/XXXX. This morning I was informed by his office that CA XXXX has exhausted all options to resolve the issue with Bank of America. They referred me to your offices for resolution. Here is the response from his office : " Unfortunately, XXXX has exhausted all options and was unsuccessful in obtaining further assistance from BofA regarding payments that are on hold on your constituent 's bank account. Therefore, the constituent must continue to work with BofA for a resolution. In addition, the constituent may also file a complaint with the Consumer Financial Protection Bureau. They are responsible for overseeing complaints in the banking industry, and in our experience, they take swift action in response to received complaints about transactional fraud. A complete description of this process can be found here : https : //www.consumerfinance.gov/complaint/. Once submitted, individuals can follow the status of the complaint on the CFPB 's website in real-time. 

Im sorry at this point XXXX does not have the ability to change BOA policy and open the account. Please submit the complaint with the Consumer Financial Protection Bureau as they have the jurisdiction to resolve this issue with BOA. Thank you! ''
Product: Checking or savings account

I walk into the bank ready to open for my XXXX got all them got all the way through the process and then the gentleman says up no I can't do it and hands me a piece of paper with the name XXXX XXXX and told me to contact them and that's the reason why I can't get open up an account he wouldn't tell me what it was
Product: Credit card or prepaid card

This relates to an XXXX XXXX card. I called in and spoke with a customer service representative to payoff the balance on my credit card. He paid the balance in full. I thought that the balance would be XXXX and the last statement I received would reflect a XXXX balance. I received a statement but didn't open it as I had paid the balance in full. I later opened the statement and it showed a minimum interest fee of {$2.00} owing. I called XXXX to determine why this would be, while going through the queues I was informed my account was in collections. The representative told me the {$2.00} balance was interest owing ( even though the statement shows a fee charged of {$2.00} for a minimum interest charge ). She indicated the balance is now {$14.00}. I asked what for and she indicated fees and interest. I asked her interest on what and she said the balance ( which is fees and interest and to my knowledge you can't charge interest on fees or capitalize on current interest ). I told her they can't charge interest on fees and she indicated that yes, they could. I asked to speak with her manager. After she spoke with her manager, she came back on the line and told me they would waive the interest this time. They indicated the account would reflect a XXXX balance and I asked them to close the account. I am concerned about this having reflected negatively on my credit report. I also am concerned that they are operating with deceptive practices. When someone calls to pay off the balance on their credit card, they should expect that the full balance and interest to that date will be paid. They should not continue to be charged a minimum interest charge fee or be charged interest on interest and fees.
Product: Debt collection

here is a collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

XXXX XXXX XXXX # : XXXX Opened : XX/XX/2022 Balance : {$880.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.