23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They called me and used a false name saying they were from the XXXX XXXX XXXX and they were a law firm and they were going to sue me and were 3 days away from filing with the court and that they were going to serve me at my home and my place of business.

When I called back and asked what firm they were a part of they did not tell me they just said they were the XXXX XXXX XXXX and they have offices in all 50 states. When I asked where there office in CA is they said that they would have to transfer me.

It was a very threatening call and I felt very uncomfortable like they shouldn't have been threatening me like that. They wouldn't even tell me the name of their company and it wasn't until the next day I received the letter with my payment arrangement that the name of the company is XXXX XXXX XXXX not XXXX XXXX XXXX

They are violators of the FDCPA and they should be penalized by the fullest extent of the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A

. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : CAINE & WEINER COMPANY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXX  XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Mortgage

I have serval emails stating that the loan have been paid off since 2014 with Ocwen they said it was sent to XXXX but XXXX says it was sent back to Ocwen because it was paid off now both of them just been sending me back and forth with no help besides emails saying that its paid off. I was also into with XXXXXXXX XXXX saying its payed off but they never received the lien release either and I need to talk to them Ocwen and XXXX. I also have a ledger from 2014 when I was trying as well and Im just not getting anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I hope all is well with the person whom is reading this. 
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXXXXXX XXXX XXXXXXXX in the amount of {$3600.00}, XXXX XXXX XXXX in n the amount of {$520.00} and XXXXXXXX XXXX XXXX XXXXXXXX in the amount of {$18000.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # 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: Checking or savings account

On XX/XX/2021 I signed up for bank account promotion with BB & T. The code provided was XXXX. The amount promised in the terms was XXXX $ after completing 2 direct deposits of XXXX $ +. I completed the second direct deposit of XXXX $ on on XXXX XXXX. This was within the time limit in the terms. I had reached out to the company via email on XX/XX/2021 and they began to work on my case but they told me to wait even longer. I reached out again on XX/XX/2021 to see if they had resolved my promotional bonus but they still could not find it. Then again on the first week of XXXX i had to escalate the issues and call directly. I was told that i was eligible and that they were having issues internally with issuing funds so i would get compensation at the end of the month. So i waited until today to call again and now they are saying that i am not eligible due to opening the account with a different promo code.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX On XX/XX/year> I requested an investigation into this account. You did not fix the errors. Then on XX/XX/year> I requested a re-investigation into this account, and it is still incomplete and inaccurate. This account shows that it has been charged off every month for an entire year. An account can only be charged off one time. These inaccuracies are highly injurious to my credit, undermine faith in the credit reporting agencies. This a direct violation of the Fair Credit Reporting Act. Due to you neglect at fixing this obvious error, I am demanding you delete this account, and send me and updated credit report once you have deleted this..
Product: Credit reporting, credit repair services, or other personal consumer reports

Any person ( Experian ) who is negligent in failing to comply with any requirement imposed under the FCRA with respect to any consumer is liable to that consumer, Experian has failed to take proper care of me the consumer by allowing these corporations to pull my credit report with out my consent. They went as far as adding " an extensive fraud alert '' on my report which doesn't work as you can see by the number of inquires I got recently. 
Experian stated in my last complaint " Please note that Experian does not receive a copy of any applications made to credit grantors '' in other words they have no proof of anything that occurred and still add false and deceptive items on my credit report. 
Any person ( Experian ) who willfully fails to comply with any requirement imposed under the FCRA with respect to any consumer, I have sent in an FTC report stating I did not authorize nor benefit form these inquires in fact they damaged my reputation by making my score drop causing damage to me the natural person/consumer. This was Identity Theft due to me not giving consent. 
Experian stated that the inquires shown on my credit report are FACTUAL records of the companies who have assessed my file I don't understand how Experian can state facts when they were not present for these alleged transactions as they stated themselves. Pursuant to 1681a ( e ) it clearly states such information shall not include specific FACTUAL information on a consumers credit report. At this point we can see that Experian only goes off of here say they can not prove or have any factual information in what took place so them declining my block is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Wrote me on my personal email regarding the complaint. He wrote me to validate information and asked no questions pertaining to the debt. I received emails at XXXX with him being immature and refusing to delete the remaining information. Only one month was updated, once I informed him he stopped responding and informed you all that he wrote me directly. I do not have an email to XXXX and only to a personal email that I told him I will soon block him on
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX
Product: Credit reporting or other personal consumer reports

I have requested on several occasions over the last XXXX months that Experian remove the following addresses from my credit report. I do not live at these addresses nor have I ever lived at any address listed below, therefor they are incorrect and unmailable as per 15 U.S. Code 1679c it is my right to have ONLY accurate information on my credit report. Experian has failed to remove these addresses 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I applied for a student loan through the college which was denied and so I did not go to school there so how do I have any debt from a service I never recieved?
Product: Checking or savings account

On XX/XX/2020 I received a letter from CHASE indicating that they have a promotion available for me if I open a new business account and fund it with {$1000.00}. I went to the branch & the business account specialist told me I would recieve a BONUS of {$300.00} after opening a new account & maintain balance of {$1000.00} for 6 months. I did exactly what the specialist told me. In fact, I had over {$10000.00} in the account. After I realized that I only need to maintain a minimum of {$1000.00} to make the promotion valid, I went into the branch to withdraw the additional {$9000.00}. I immediately went into a CHASE branch and explained to a bank teller the situation & SPECIFICALLY ordered the teller to withdraw the maximum amount that will leave {$1000.00} in the account. A month later I recieve a statement indicating that my balance fell below the required {$1000.00}. The bank teller incorrectly withdrew more leaving only ~ {$990.00} in the account for whatever reason ( poor arithmetic skills, lack of training, intentional ). As a result, CHASE notified me that that could no longer honor the {$300.00} promotion. CHASE has used a loophole in their system to deny me my {$300.00} BONUS despite the fact that I instructed the teller to ensure that {$1000.00} is in the bank account f. I am requesting that CHASE honor their promotion & deposit the {$300.00} BONUS as I have honored my portion of the agreement. 

Business Name : XXXX XXXX XXXX Business My customer relationship with dates back many years so It is extremely disheartening to know that they will breach the contract for a simple {$300.00} bonus despite the fact that I have deposited millions of dollars over the the years. I am prepared to take legal action against CHASE for breach of contract if my {$300.00} BONUS is not applied. 

I want the CFPB to publish this complaint. I am requesting that the CFPB ensure that CHASE honor their contract or I will take legal action against CHASE for breach of contract.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX : # XXXX, XX/XX/XXXX : XXXX XXXX, XXXXXX/XX/XXXX : # XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instruction.

15. U.S.C 168c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15. U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I Paid an extra payment to keep my account current till XXXX. Instead of crediting the payment. Freedom Mortgage put it on the balance, so I would still owe a XXXX payment. I have to go into the hospital, that is why I paid ahead. This is a constant occurrence with freedom mortage, so they can add on fees on payment you have already made and attempt to try and get your home.
Product: Checking or savings account

XX/XX/XXXX my apple card closed for fraud that im not aware of. So my savings with them is on hold and I called them about what was the fraud? Fraud department didnt release any information about ( failure with consumer agreement ) and i asked can you explain what was that? they are not allowed to discuss it with me. They said wait for email for my issue. as of now didnt received any emails. I have been calling every week and still no update I could not access my savings because of the fraud issue. And today i called them again about the issue and Goldman sack bank said pay my credit card first before they will release my funds sound like a XXXX my funds.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 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 XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3600.00}. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was contacted by someone impersonating my bank ( XXXX ) who claimed they were investigating fraudulent charges on my account. Using a tactic known as number spoofing, they manipulated me into authorizing a {$990.00} Venmo transaction under the pretense of reversing fraudulent charges. This was a clear case of fraud through coercion and deception. The scammers Venmo profile even displayed the XXXX logo to make their deception more convincing. 

I reported the fraud to Venmo, but their investigation focused only on verifying that the transaction originated from my device and IP address. While this was technically true, the transaction was not made with my informed consentit was coerced through deception. Instead of investigating the scammers account, including their IP address, transaction patterns, or other fraudulent activity, Venmo denied my claim and froze my account. They are now holding me accountable for repaying the funds instead of taking action against the scammer. 

My goal is for Venmo to reverse the transaction, restore my account, and refocus their efforts on investigating the perpetrator who exploited their platform, rather than penalizing me, the victim of fraud through coercion.
Product: Debt collection

XXXX XXXX XXXX  reached out to me last year in XXXX regarding a debt from XXXX on a credit card. I informed them I would settle for {$450.00}, which they agreed through the state attorney general. They wanted me to pay by a certain date, which I responded asking them for an extension because my work hours were reduced due to COVID-19. I never received a response. 

XXXX XXXX XXXX is attempting to sue me in civil court in Arizona for over {$1000.00}. I responded through the court that I want to settle the debt for {$450.00} as initially agreed and that Arizona has a statute of limitations on credit card debt. 

I called XXXX XXXX several times asking if they would settle now that I have full time hours at work and I could pay them by XX/XX/XXXX. They refused and said they would settle for 85 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a new complaint to the CFPB with respects to XXXX XXXX # XXXX on XX/XX/XXXX advising I have asked the credit bureaus to provide me with documentation of how the properly did an investigation on XX/XX/XXXX, XX/XX/XXXX & XXXX/XXXX/XXXX and how they were able to " verify '' the account. 

I am being told they verified the information but how? I have not received anything from the bureaus or the finisher so how is this possible? I am a real person and I am being ignored. I have asked several times as I have the right to have proof of the investigation. According to the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. 

The credit buraus are stating my account was properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, and the date last activity is inaccurate. I have attached another copy of the report to show this is still inaccurate as of XX/XX/XXXX. This is grounds for removal. They also have violated my rights under : 15 USC 1681 Section 602A : States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer. The attached credit reports from month to month shows the inaccuracies AS PROOF and must be delete from my report. 

I have provided the letters and I am being ignored. I plan to seek legal counsel if this is not removed as the bureaus are in clear violation of my consumer rights.