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

They all the same group of lier XXXX XXXX XXXX, it is the company that brought me to the problem this company name is not exist on XXXX No one pick up the phone 24/7 for the service. Recently I entered in to what I thought would be a mutually beneficial arrangement with this company concerning the optimization of my POS system. The system I have already is a high quality system with all in 1 with the terminal, but their salesman convinced me that their services would be a welcome addition to my existing set up and no need the 3rd party of terminal. Though he lied about a great many things, the crucial lie was the one in which he assured me that these services would be easily integrated in to my already existing POS after apparently calling his home office to confirm that was the case. I do not have the space on my front desk to accommodate additional terminal equipment, which I made clear and which the salesperson confirmed he understood ; I would not have signed the contract if I had known that was required. After lying about the contractual terms and asking me to sign a blank contract and told me he can cancel it in 30 days if I 'm not satisfy and the Sales person simply disappeared now. XXXX XXXX XXXX has charged me for four months of services that were never rendered. Their excuse for denying me a refund is lame and hollow because they have failed to do as they promised and buy out my contract with said current POS company. Their response to my concerns has been insulting and demeaning, not least because they are obviously taking advantage of the language barrier ( I speak english as a second language ). Furthermore, the nature of our communications in addition to conflicting reviews online lead me to believe that if they are not operating illegally then you are certainly close to it. I 'm trying to contact them and their partner but still XXXX. Now 100 of small business got a nightmare from this company because it is in the wind. but Attorney General XXXX XXXX XXXX, filed a lawsuit against XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX alkla XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( collectiveiy, " XXXX XXXX '' ), as well as principal, XXXX XXXX alkla XXXX XXXX XXXX, law firm XXXX XXXX XXXX, XXXX, and several others, on XXXX XXXX,2016.  The lawsuit accuses XXXX XXXX of engaging in illegal and deceptive business practices in the leasing of credit card processing equipment to smali business owners. The lawsuit seeks to enjoin the respondents from engaging in these practices, rescission of leases obtained by fraud or other misconduct and restitution. In addition to this relief, the lawsuit seeks to vacate default judgments obtained by XXXX XXXX by fraud, misrepresentation or other improper practices. XXXX XXXX XXXX Now they try to use legal hold my money from my bank. So I have no idea why they still alive and make people suffer more and more. XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filling 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 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian & XXXX  are not responding to any of my disputes I have sent and that is against the law. I am aware of my rights and they do still have to provide results whether there is COVID or not. I have yet to receive any mail or any correspondence that they have even looked at my disputes. They are reporting serious errors on my credit file and they need to provide me results!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exist pursuant to 18 USC 8 I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 1. ) XXXX XXXX XXXXXXXX I owe no debt. 
XXXX. ) XXXX XXXX  I owe no debt XXXX. ) XXXX XXXX I owe no debt XXXX. ) XXXX XXXX XXXX  I owe no debt
Product: Debt collection

A Texas receivership garnishment hold was placed on my account from Micheal J Adams PC. I was told by the bank to contact Micheal J Adams PC to address the matter. I have attempted to contact Adams PC several times by phone and email with no response. I would like satisfy the debt and have the hold lifted from my account but I have been unsuccessful in my repeated attempts to make contact with Michael J Adams PC. They are holding XXXX times the amount to satisfy the debt. If the purpose of the hold is for garnishment then I'm not understanding why they won't pull the funds and lift the hold. I just want to get in contact with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus regarding inquires and other information on my credit report. There are wrong addresses and accounts that are not mine, along with other wrong details. The credit bureaus refuse to comply with the FTC  laws about credit reporting. On or around XX/XX/18 another attempt to resolve this matter was ignored by each credit bureau. I have tried for years to get this resolved with no success. My credit report has been abused by the credit bureaus and I want this to stop!
Product: Checking or savings account

I have XXXX original Certificates of Deposit and I did not redeem them. I have an IRA and XXXX Certificates of Deposit that were in my Huntington bank account in XX/XX/XXXX but disappeared and were not in my account in XX/XX/XXXX. There were no interest statements for any of these accounts reported to me or the IRS. There was no reason for me to take out the IRA because I was not allowed to have an early withdrawal from that account without paying a penalty on it. I asked for a letter when these funds went to the State Unclaimed Property. I have talked, or have tried to talk to XXXX different banks about the situation but they have not given me proof that I indeed was the person that received the money. I was told by a bank representative that they saw a {$5000.00} withdrawal in XXXX but they could not find anything about the {$8000.00} or {$2000.00} Certificates of Deposit. Huntington Bank Administration have been telling me for the last year that they don't have records that are over XXXX XXXX XXXX. They will not prove to me that I got my money thus indicating to me that I will never see the money. They were not willing to indicate that they could see the {$5000.00} withdrawal from XXXX or that they have older than 7 year records. Bank administrators have been lying to me. They have records for the 4 Certificates of Deposit and the IRA and I need to see the signatures that I indeed got the money. I am the only signature on these accounts. A bank teller recently gave me the monthly bank statement reports of the IRA and XXXX more C.D. 'S certificates from XXXX. A bank manager suggested that I may have had the money taken because the Huntington Bank did not get a new address for me when I moved from XXXX XXXX to XXXX XXXX in the fall of XXXX. I want to know who got these funds which total {$28000.00}. That is a lot of money to me. It is either retirement money or it is money for my sons as I requested on the original papers. There is nothing in the papers stating that I needed to take my certificates of deposit out of the bank by a certain date. I get told by the administration of Huntington Bank that there were no records for any of the money because after 7 years the records are gone and I thus loose the money after 7 years. I never knew that a citizen of the United States could loss their money at a bank while they were very busy working to pay daily living expenses for their family.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting or other personal consumer reports

This account has been disputed several times and with all the investigations and understanding of the FCRA then anyone in the line of work should know that an item should stop reporting and be removed after 7 years from the first date of delinquency, what happened through updates and ongoing non investigation is that the time of delinquency was scrubbed, removed and extended the length of time as if this never occurred? Please remove this account immediately to remain compliant of FCRA account XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Before I took out the loan I was lied to about the interest. I was told the interest would be added on monthly and that if I wanted to pay off the loan early I would only be charged the interest currently accumulated. Instead, they front load it all of the interest, and when I click on my payoff amount, it had all of the interest through the entire term of the loan added to it. 
Thats the opposite of what I was told. 
Website is payoff.com /Happy money
Product: Credit reporting or other personal consumer reports

I am writing to formally address an ongoing issue with the reporting of an account that I believe is inaccurately reflected on my credit report. After reviewing my recent credit report from your bureau, I have found that the account XXXXXXXX XXXX XXXX continues to report incorrect information, despite my prior attempts to rectify the situation. 

As outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681s-2, and 1681c, I am requesting that you immediately take action to ensure the information regarding this account is fully corrected and that the updated and accurate details are reflected in my credit file. 

Under 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Furthermore, 15 U.S.C. 1681s-2 places responsibility on furnishers of information ( including creditors and financial institutions ) to report accurate data to the credit bureaus. Lastly, 15 U.S.C. 1681c sets clear guidelines regarding how long negative information, such as charge-offs, should remain on a credit report, and mandates that any outdated or erroneous data be promptly removed. 

If the inaccurate information continues to be reported, I will have no choice but to pursue legal action against your organization for violating the FCRA, as it is essential that all information reported on my credit report be accurate and in compliance with federal law.
Product: Debt collection

MY DEBT WAS PAID IN FULL TO ED FINANCIAL I HAVE A LETTER STATING THAT IS WAS PAID IN FULL AND THEY REFUSE TO UPDATE THE RECORD TO REFLECT THAT ITS PAID IN FULL AND ED FINANCIAL ALSO KEEPS EMAILING ME TO PAY A DEBT THAT HAS ALREADY BEEN SATISFIED.
Product: Debt collection

I received a collection letter from Stuart-Lippman & Associations claiming they are attempting to collect a debt of {>= $1,000,000} from claimant " XXXX/XXXX/2016. '' The date of loss is " {$1800.00}. '' Despite these strange discrepancies, my name and address are correct. I called the XXXX number on the letterhead and after providing my reference number, I was sent to voicemail.
Product: Debt collection

THE THREE CREDIT BUREAUS ARE REPORTING A DEBT THAT DOES NOT BELONG TO ME. I AM THE VICTIM OF IDENTITY THEFT FOR WHICH I FILED WITH THE FBI ( XXXX ), FTC, IRS, SOCIAL SECURITY ADMINISTRATION AND THE PENNSYLVANIA ATTORNEY GENERALS OFFICE. THIS IS NOT MY DEBT AND I HAVE TRIED CONTACTING THE THREE CREDIT BUREAUS REGARDING THIS ISSUE INCLUDING GIVING THEM MY INFORMATION REGARDING THE IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

This is my second follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( " under the laws of the United States. '' if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. 
Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items I'm requesting you to do so for. I want to make it clear that I'm not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldn't file the report because I didn't have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Credit reporting or other personal consumer reports

I am aware of the lawsuit against Credit Acceptance and I am another XXXX of their victims. I purchased a car in XXXX of XXXX and I have not had that car in my possession since XXXX. I was sold a lemon and there is now a past due balance on the credit report of {$2800.00} with the status reporting as XXXX  days past due from XXXX of XXXX to XX/XX/XXXX. That is not legal and it is preventing me from doing anything with my credit or my life. I have been turned down for various credit decisions due to this ongoing issue. I need help in correcting this and helping me.
Product: Credit reporting

I cancelled my membership with XXXX who changed name to XXXX. My account was closed when it was XXXX and I do not owe a balance. I require the account to be removed completely from my credit report.
Product: Credit reporting or other personal consumer reports

I woke up to unauthorized inquiries on my credit report and can't figure out why they appeared. When I checked as usual, I noticed unusual discrepancies out of the blue. I even tried refreshing my browser in case it was a technical issue, but the inquiries remained. I need this situation resolved immediately, and I am beyond frustrated. Please check the documents I've submitted thoroughly so I never have to deal with this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 Credit Bureaus ( XXXX, Experian, and XXXX ) about a bankruptcy appearing on my credit report from XX/XX/2010. I asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX and XXXX, two affiliate credit reporting agencies. Under the FCRA laws, these agencies MUST receive their information directly from the creditor of the account, or it should be removed from my credit report. As you can plainly see in this letter from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. '' If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and all 3 of my credit reports.
Product: Debt collection

I complaining for the 2 me time against absolute resolutions debt collection agency as my credit report came today with a warning that absolute resolution XXXX reported that my account with them is settled less than the amount due They are laying because they took the whole amount due by a garnishment against my salary This company is destroying my credit. 

Attached is the credit report warning I have received today issued by XXXX  through XXXX XXXX  app
Product: Credit reporting or other personal consumer reports

I am attached FTC report containing XXXX fraudulent accounts as well as fraudulent inquiries that I notice on my credit reports.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ( Original Creditor : 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.
Product: Credit reporting or other personal consumer reports

Please see attached identity theft report. Please delete these erroneous accounts within FOUR business days of receipt of this letter on clear ground of identity theft/alleged identity theft pursuant to 15 USC 1681c-2 . Also, please update personal information pursuant to 15 USC 1681s-2 and 15 USC 1681e ( b ). SEE ATTACHED IDENTITY THEFT REPORT.
Product: Debt collection

ENHANCED RECOVERY COMPANY IS TRYING TO COLLECT A DEBT THAT ISNT MINE. XXXX XXXX FOR XXXX DOLLARS. I DID NOT OPEN ACCOUNT WITH XXXX XX/XX/2018. THIS IS FALSE. PLEASE REMOVE FROM ALL THREE CREDIT REPORTING AGENCIES.THANK YOU
Product: Debt collection

The Company that I would like to make a complaint about is the company that go by the name of XXXX XXXX XXXX. Now it has been renamed as One-Main Financial. They sold my account to a third party debt collector, XXXX XXXX, pretending to be an attorney office. 

When I lost my job in XX/XX/2012, I owed a balance of $ XXXX.Additionally, while I was employed, I had the type of insurance that if you loose your job, the insurance should cover it. Long story short, I informed them of this. I was told to keep making payments from my unemployment checks until the insurance would take over and pay debt. I was put on a payment plan that lowered my payments but the interest rate of loan had doubled. I confronted agent over this, she stated that there was nothing that she could do. I was paying faithfully, every month with double the interest rate. The more I paid on this account, the higher the interest rate became. I confronted agent again, she stated I should continue to pay even if I had lost my job. 

After contacting company about balance, they stated that I should be getting something in mail. I took a visit to company, I was told same exact thing. I called several times and was told same thing. 

After several months, of paying what I could, the loan had ballooned into {$2500.00}. They had tripled the interest rate. Now today, they state that I owe them {$6000.00}. and more. At this point, my debt had been sold to a third party. I asked about the balance, they stated that they did not have that information and that I had to contact the third party debt collector. This collector was XXXX XXXX, they stated that they were an attorney office and if I did not pay full balance I would be arrested. This is abuse of power and harassment. They would never give me a verification notice of the amount that they incurred from XXXX/One-main Financial.
Product: Checking or savings account

Wells Fargo failed to investigate a transaction I disputed correctly I filed WF went with the merchant only because I tipped the merchant after the service the provide wasnt as expected. On XX/XX/2023 I authorized a transaction for {$71.00} at XXXXXXXX XXXX  for dip powder acrylic nails. On XX/XX/2023 I noticed cracks in my nails I contacted XXXX XXXX  to inform them my nails were cracking I was told We fix your nail you have to pay for service again I contacted Wells Fargo to dispute the transaction, they issued a provisional credit On XX/XX/2023 they withdrew the credit from my funds. On XX/XX/2023 the representative stated the dispute was file incorrectly WF stated I authorized the transaction and they agreed with the merchant because I left a tip before I noticed my nails were done incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/2020 XXXX XX/XX/2020