23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

COMPLAINT BASIS : I am having SEVERE issues with Collection Companies that have been attempting to collect on debt I am NOT LEGALLY RESPONSIBLE to pay for myself. The debt may have even already been PAID by the ACTUAL Responsible Parties involved. 
MY NAME/ RECORDS should NOT be involved in this debt, regardless. 
The Collection Companies involved have been repeatedly notified via multiple Credit Reporting Disputes & other CFPB Complaints of this situation & REFUSE to correct it.

Even worse, now, on at least one of my Credit Reports they have actually RETALIATED against me for filing a Fraud Dispute with Credit Reporters & the CFPB against them, by literally DUPLICATING the SAME Collection Account, originally posted under a DIFFERENT Collection Company name ( which they themselves may even own ), IMMEDIATELY AFTER it was CLOSED under the original Collection Company Name pursuant to a CFPB Complaint, by using literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically & intentionally ALTERING just the filing date numerals to DEFEAT the Credit Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this.

This Account is one of these RETALIATORY DUPLICATIONS.

These Companies clearly believe they can VIOLATE US Federal and/or State Regulations at will, & also attempt to RETALIATE AGAINST/ INTIMIDATE CONSUMERS who try to get these Collection Companies to comply with US Federal Statutes .

Therefore, I am filing a Federal Complaint against the Companies involved, to make the US Federal CFPB & Other Federal Agencies, such as the US Department of Justice, aware of these Collection Companies improper, unlawful, threatening tactics, in order for ALL appropriate Federal Corrective Actions to be ENFORCED against them, so ALL Consumers are protected from these Collection Companies.

I reserve ALL my Rights to also file Legal Action/s with the State Attorney Generals Office & personal Civil Law Actions ( ie. Lawsuits ) as well.

BACKGROUND : I suffered a severe XXXX with permanently disabling injuries ( including an XXXX  ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective stairstep, No Warning Signs, & Lights being turned off.

The Restaurant involved & their Liability Insurance Company are LEGALLY RESPONSIBLE for paying ALL my Medical Bills from the Incident as part of the Settlement to Avoid Lawsuit against them.

All the Bills were Submitted to these proper Responsible Parties by my Attorney, including the Bill/s in question. Bills were clearly paid by the Insurer as a result. Why this Bill was not credited paid is due to ERRORS at the Original Creditor involved, who sold the Account. NOT me. 
DOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX, Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the numerous attempts I have made to have late open accounts to correct them from my credit report. Despite my persistent efforts to rectify this issue, these late open accounts continue to negatively impact my credit profile. 

I have attach my supporting documents, such as copies of dispute letters, responses from the creditors, as well as my DL, SSN, and POA. 

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open accounts remain on my credit report, impairing my ability to secure credit and financial opportunities. 

I respectfully request the following actions to be taken promptly : A thorough and immediate investigation into the late open accounts in question, including verification of the accuracy of the information with the creditors. 

If the accounts are found to be erroneous, the immediate correction of the late open accounts from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit report once the issue has been resolved. 

A detailed explanation of the actions taken during the investigation and the outcome. 

I urge you to address this complaint as a matter of urgency. Timely resolution of such issues is critical for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your assistance to correct the late open accounts : XX/XX/XXXX XXXX Balance : {$3000.00} ;XX/XX/XXXXXXXX Balance : {$12000.00}.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me.

Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC.

Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Debt collection

I started with this dental clinic in XXXX looking to fix a broken bridge in the front of my mouth. After I was brought on board to have work done and charge for work to be done everything started to change. I have had countless appointments trying to fix the issues in my mouth the dental clinic could never fix any problems this continued until XXXX. I have had to have the same bridge replaced three times and other damage was done because of it. this has been an emotional financial and work-related problem. I have questioned the craftsmanship of the product and work. The integrity of the dental clinic is not for their customers. Filed a dispute with the credit card company because their policy state if you are dissatisfied with credit card purchase you can dispute it and l did. The amount XXXX the bank ruled in my favor and then reversed it this is a slap in the face to me the consumer. The material that was used buy the dental clinic to make the teeth started falling apart within 2 months that is not how dental work works. To me this is fraud you said you could do a job that you could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Equifax security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my Equifax credit due to Equifax security breach XXXX XXXX XXXX Amount XXXX Date opend XX/XX/2017 XXXX
Product: Vehicle loan or lease

I purchased a car from U.S Auto Sales in XXXX, NC a month later the company closed down. Along with my car loan I purchased a XXXX warranty that was good for 3years just in case I had issues with the car I would be able to get it fixed for a XXXX that was no issue. I went to make my payment and was informed that I would directly report to the company WestLake Portfolio Management I agreeded and let them know that I only had the car for a month and would like to use the warranty so that I would have enough to make my car payment the informed me that those warranty 's are no longer valid and the warranty company said they will not be able to assist me due to U.S Auto Sales closing down the car was orginally XXXX WPM hasn't updated my account I can't see where im even paying towards the interest of the vehicle this is a 2013 car listed at XXXX still which I didn't mind paying. In XXXX since I have no warranty I asked for a deferred payment they made me pay XXXX and said that it would go towards me not having to pay for that month due to car trouble and that payment would be applied to the end of my lease. That never happened it says I have a past due balance of XXXX with all of the rest of my payments on time and they now have informed me that there is no guarntee that I had a deferred payment. My credit is suffering and also can't afford to fix the car over and over again. I have asked to speak with someone and tell them to honor what they agreed to and they never do. I want to file a lawsuit againist this company for lacking integrity and fraud
Product: Money transfer, virtual currency, or money service

reference XXXX Cash app had allowed a charge to go through even after I had kept my card locked and the company charging my account, XXXX, had told me in an email that my account would be closed if I did not change my method of payment. I didn't change my payment method as well as I had written in to cancel my services over a month earlier and was under no contractual obligations. XXXX still made a debit in the amount of XXXX in the beginning of XXXX, XXXX. I made my formal complaint via Cash apps dispute form on XX/XX/2022. According to the eft they have 10 days unless a provisional credit was issued if one was issued they have 45 days. It has been 46 days and no provisional credits were issued, no credits were issued at all actually and no refund given. Anytime I go to inquire it is a lengthy process just to get any kind of response from Cash app and all they say is the same 45 day reciting of the eft which like I said it has been 46 days and they only have 10 days unless provisional credits were issued. When I tell them this they dont have any response other then saying they don't know what to tell me it isn't their department and im not allowed to talk to that department. I have reached by phone chat and email all with no success.
Product: Credit reporting or other personal consumer reports

I ordered an updated credit report recently while applying for a loan and discovered a previous home address, a few accounts, and several inquiries I do not recognize. I have filled a police report locally # XXXX, an FTC report # XXXX, and a completed Identity Theft Affidavit that was notarized detailing all disputed items as mentioned, along with a full-color copy of my driver 's license, social security card, proof of residency, FCRA 605b documentation ( 2 ) pages, and my individually typed letter to each credit reporting bureau recapping my dispute and incident reporting of the accounts/details of the information that should be removed from my reports within four business days of an alleged identity theft incident. 

I have sent all of this to XXXX, XXXX, & TransUnion, and as of today ( XX/XX/XXXX ), only XXXX has complied with the law and provided overly substantial proof of my claims. My family is on the verge of closing on our very first home this upcoming Monday, XX/XX/XXXX. The urgency of this situation can not be overstated. These listed accounts below are incorrect and should be removed promptly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As of today ( XX/XX/XXXX ), XXXX is the only bureau that has done anything about this. Both XXXX and TransUnion have not complied with the FCRA605b law/standard to do so in 4 business days, even though they have been in confirmed receipt since XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED FOR MY XXXX XXXX  ON XX/XX/XXXX AND XX/XX/XXXX. AND FOR MY BANK OF AMERICA I HAVE LATES REPORTING ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I'VE HAD PERSONAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/XXXX because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, I have been sending letters to all 3 credit bureaus since XX/XX/XXXX regarding an inaccurate account that they are reporting, but they have failed to send anything validating this account. XXXX, Equifax, and XXXX are reporting late payments for account OFFICE OF THE ATTY GEN XXXX when I was never late. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. How are you reporting different information when the data furnished should all be the same? I have tried to have this information corrected for over 5 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. I will attach the dispute letter that was sent in XXXX. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments.
Product: Checking or savings account

I had an account with Wells Fargo that was overdrawn. I moved during Covid to another state and lost track of acct thru Wells Fargo. I received a letter that said I owed {$2200.00}. From what I have no idea. Went into my local branch on XX/XX/2022. Sat down with manager that researched my account with Wells Fargo. She confirmed I owed {$360.00}. I paid immediately in cash. Have the receipt. The manager said this would be off my credit report within 30-60 days and hopefully I will be able to open up a checking account with any bank in the near future. Because of this Wells Fargo account I am constantly denied anytime I try to open up an account at any bank. I currently do not have a bank account. This is still on my credit report and I got a recent letter saying I owe {$2200.00} again
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I have asked XXXX, TransUnion and XXXX verification and validation of a Negative Public Record : XXXX XXXX XXXX NJ XXXX. 
I have explained my name XXXX XXXX XXXX is a very common name and we have over sixty XXXX XXXX just in NJ and 89 In NY. The Bankruptcy has been mixed up with someone else. I have sent letters and disputed this negative report on line with no success. This negative information is affecting me financially and emotionally. I have found several innacuracies on my report, however, this is the most damaging of all.
Product: Mortgage

I am currently having trouble paying my mortgage and in order to avoid foreclosure, I found this company, Capital Home Advocacy Center, since my lender did not qualify me for a modification, and they wanted me to pay {$810.00} for 3 months before beginning. Unfortunately I payed for the first month, XX/XX/XXXX, and realized soon after that they are not legit after I spoke to my lender and they said they knew nothing of Capital Homes, even though Capital Home said they are working with my lender. I also looked up warning signs of scams and Capital Home fit at least 3 of the red flags listed. I tried to call after sending an email telling them I do n't want to continue and that I want a refund of the {$810.00} I sent and I ca n't get anyone but I am still trying to contact them everyday.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit, highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies of my financial institution, and Zelle failed to investigate my claims adequately, they informed me that recovering loss funds was impossible, and that tracking these transactions was unfeasible the CFPBS findings indicate that has not only neglected to protect customers but also has allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Debt collection

Every month the balances goes up by a small dollar amount which lowers my credit score! it is fraudulent and should be deleted from my account for fraudulent activity. Maliciously and harmfully raising a past due collection amount to continue to inflict personal harm against me.
Product: Credit card

Applied for credit card on XXXX, from Avant ( avant.com ), which was advertised in my XXXX account. I was approved immediately for a {$300.00} Avant credit card. I was then directed to complete a profile and login for their website Avant.com. I completed my profile with my contact info, address, email and successfully completed the email verification. However, the web site was unable to send me a text message for verification. This was a required step. I was never able to complete this step and yesterday XX/XX/year>, I learned that my application was cancelled. I tried to resolve the issue prior to learning my application was cancelled ( yesterday ) in numerous ways : By calling their support ; By speaking with a support person who said she would call me back ( who never did call me back ) ; And by emailing the support email provided in my online account ( XXXX ). In fact, I emailed the Avant support team more than 5 times, each time requesting their assistance with the verification text. Avant support replied with " Please contact us at your earliest convenience. You can reach us at XXXX and any of our representatives will be happy to assist you. '' Please see emails attached. Many times I was provided with a canned reply, in that it did not address my concerns or questions in any way. The problem is that even when I have called and emailed I was unable to complete the simple verification step. I have no problems getting verification texts from other companies ( XXXX, XXXX, XXXX, my bank ) and I believe this entire process has caused me harm. By pulling my credit, gaining access to my personal information ( personal data ), Avant acted fraudulently because they never intended to give me a credit card. The fact that I was unable to complete the verification step on the phone with the Avant reps or via 5 emails with their support team raises serious red flags about the integrity of this business. The website does not work, and their support staff was unable to get me verified. Very fishy, unprofessional and dark ages tech. They cancelled my application because I " did not complete the application process '' due to the text verification, yet no one at Avant was able to help me or to address their website problems.
Product: Credit reporting

You all have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. You all have also failed to adhere to federal regulations and violated several laws of the FCRA. 
*XXXX # XXXX # XXXX XXXX {$510.00}, {$770.00} Has agreed to delete all accounts you still choose to report. FCRA guidelines a collection can not be past due. You all have not provided me with the verification method you used on this account that you say you previously verified. This Collection Agency has not verified this account. A collection account can not go into collections according to FCRA guidelines ; the Collection company can not report that because they are not the original creditor. Reporting inaccurate negative information ; violation of FCRA. 
XXXX {$65.00} : According to FCRA guidelines a collection account can not be past due. The account can not be an installment or note account it is a collection according to FCRA guidelines. Please verify the said dates of collection. XXXX XXXX and remarks in status does not match. The information is contradicting. Reporting inaccurate negative information ; violation of FCRA. Violation of SCRA. Which is unverifiable and by law should be removed. 
Inquiries : You all have stated to contact the reporter about inquiries and I have and they remain unverified. It is also your job to not report unverifiable information. If you can not verify that I authorized these companies access to my credit file then you are in direct violation of the FCRA, because the FCRA states that Reporting Agencies must correct or delete any incomplete unverifiabe information.
Product: Checking or savings account

On XX/XX/XXXX around XXXX XXXX  EST, I send in a check to my Local PNC Bank Branch that was fake. It was scammed by someone via email who was offering me a remote Data Entry Operator job. This scammer mailed me several fake checks that I initially had no awareness of their validity. The first check total to {$6800.00}. Also, due to the scammer tricking me into buying multiple XXXX payments, I lost a total of {$11000.00}, with XX/XX/XXXX adding in the last additional loss in damages. 

It was not until late at night at around XXXX PM on XX/XX/XXXX was I given an email that my account was now in Low Cash Mode. This was naturally due to the scammer tricking me to use up all my money within my checking account. However, despite already informing all parties relating to each specific ATMs I used, as well as contact the Ohio Attorney General and filing a claim towards the FBI about this scammer, the PNC Bank where my account resides, made no attempt about informing me regarding the fake check or made any attempts to raise suspicion relating to the transactions. Especially when it took less than a day to process the fake check and see if the {$6800.00} was transferred into my account, that made me assume I had all available funds thanks to the Scammer, had my bank account contacted me about the forgery, my savings would have likely been prevented early on. Also, the scammer lied about paying for uber if it means being able to get payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's multiple inquiries on my crefit file inwhich i have absolute any knowledge of and im demanding that they be removed due to fraud. The inquiries in question are as following.

1 ) XXXX  XX/XX/XXXX 2 ) XXXX  XX/XX/XXXX 3 ) XXXX XXXX card XX/XX/XXXX 4 ) XXXX   XXXX  XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX