23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : 15 USC Section 1692C -NO RESPONSE FROM : XXXX XXXX XXXX and XXXX or the creditors and no actions Sent to all of them Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX XXXX XXXX XXXX and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right To Whom It May Concern, I am disputing the referenced debts below. Please verify this debt as required by the Fair Debt Collection Practices Act. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies and inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the Fair Credit, Reporting Act. The law states these items need to be removed within 4 days of receiving our complaint. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated. 
Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX, XXXX and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right. 
I dispute this debt, because : This was a business debt that was paid on a XXXX XXXX  and I was billed extra and never did the other 3. 
{$270.00} x XXXX = {$820.00} from Kinum Inc., which is being investigated on wrong reporting and harassing clients, This is wrongful and needs to be removed right away. Not my debt. 

CC : Federal Trade Commission Consumer Response Center
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report and saw some accounts that are fraudulent and have to be related to my identity being stolen. The accounts are reporting as XXXX, collection bureau, and XXXX and XXXX. This is impacting my credit in a negative manner. I do not recognize these companies nor have ever done any type of business with them.
Product: Checking or savings account

On Saturday XX/XX/XXXX I went to Comerica bank and deposited XXXX payroll checks from the state of California for back pay earned from XXXXXXXX XXXX XXXX for whom. Monday, XXXX, I called the bank to see if my payroll checks had cleared I was told that I would receive my funds on Tuesday XX/XX/XXXX. I have my XXXX check directly deposited to Comerica Bank and on the XXXX I went there to make a cash deposit so my rent would be paid as my payroll checks had not yet cleared. Well I was there I spoke with the teller who said she left a message on my machine regarding the XXXX payroll checks I informed her it was back pay she said no problem checks will be cleared tomorrow. On Wednesday XX/XX/XXXX still no checks and when I called in the afternoon I got no answers nobody told me what was that. Space space on Thursday XX/XX/XXXX I called and spoke with the fraud department who told me that there was a XXXX hold put on my state of California payroll checks nobody gave me a reason nobody gave me written notice I was not informed. I am now in the red about {$550.00} well they didn't make a XXXX-minute phone call to verify my employment and clear my checks and they're going to charge me an overdraft fee was XXXX XXXX XXXX woman I'm not a bank defrauder this is wrong on every level and Comerica Bank needs to be punished.
Product: Credit card or prepaid card

On the XXXXXXXX XXXX XXXXXXXX, I went to a local XXXX XXXX. to purchase a Netspend Prepaid XXXX Card. after putting XXXX dollars into this Prepaid Card. I Opened the site netspend.com to activate my card. I got a email a while later which before I had to use my social security number which I only have access to and i was out with my family on vacation while getting this but that information is going to be useful later on. I received an email from XXXX saying they could not activate my card. so they wanted me to call the number on the back of the card i bought. after calling the number. i attempted to activate via SMS. the link failed to load and kept saying error. So i resorted to dialing actually support on the phone number. When i got a hold of a support employee for activation. they asked for these : my first name, last name, last 4 digits of the credit card. my full social security number. my birthday, my XXXX i used to activate that account, and lastly a address, they said they got the information but said they were gon na hold the activation until i sent my social security card, my birth certificate, and my state id. which i dont even have a hold of, Neither would i want to give them that information on a prepaid card with just XXXX bucks on it. so on the XXXX XXXX XXXXXXXX i called again with the permission and help of my father, they still made it a challenge and didn't a activation, they still wanted my SS card, my birth certificate and my state id. still I'm hesitant to give such a company as netspend that. one I'm new with and just wanted to use a prepaid card for virtual purchases. I intended to use my money i put into this card. not work and stress my way to earn my money back.
Product: Debt collection

Family and friends were contacted multiple times by a woman named XXXX XXXX in attempts to collect an unpaid debt. I was notified by a cousin, family friend, great aunt, as well as my mother to call them to resolve the issue. XXXX XXXX used a threatening tone towards all individuals she contacted. She states that she would that I would be located in person, she went as far as to provide car license plate number. She threatened to contact an employer and speak to a supervisor. She also insisted that she would call and contact everyone until I was located. I resolved the issue XX/XX/19 via phone. I paid XXXX {$200.00} as well as set up a payment plan for the remaining balance. XX/XX/19 I verbally told the company to stop harrassing family and friends. I provided an E-mail and let XXXX XXXX know that I can be reached there and to cease all other forms of communication. They said since I made a payment and set up a payment plan the calls would stop. I went a step further and also requested an address for the company to send a formal cease and desist letter to stop the harrassing phone calls. XXXX never provided me with an address. XX/XX/19 family members are still recieveing voicemails from Ms. XXXX XXXX. She is stating that she will call until I am located, however I already resolved the issue. At this point my family and friends are being harrassed by this debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is not accurate, and the date last reporting is not accurate? This is grounds for removal. They also violated my rights under 15-USC1681 602 ( a ) states I have a right to privacy.. 15USC 1681604 ( a ) It states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am using my right to request an investigation and dispute these accounts, as they are wrongly listed on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. I am aware that FCRA 605B mandates reporting any inaccuracies on a consumer 's credit report.
Product: Credit reporting or other personal consumer reports

The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violate 15 USC 1681 a ( 2 ) ( A ) ( i ) which states that it is illegal to report transaction history : " 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Also, Fait Credit Reporting Act 15 USC 6805 states that CFPB must enforce it : " 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. '' I am requesting that above names accounts be updated to the " paid as agreed '' status reporting 0 % Credit Utilization and {$0.00} Reported Credit Balance.
Product: Credit reporting or other personal consumer reports

I'm trying to buy a house, and I realize I still have damages on my credit report. According to the 15 USC 1681 Law, there should not be any damages on my credit report. This is a defamation to my character.
Product: Credit card

I decided to purchase a riding lawn mower during the summer. After shopping around my wife suggested that we purchase from Lowes. Against my better judgement of going to The XXXX I gave in to purchase from Lowe 's. Having the Lawn Mower a little more than 30 days the pulley broke. I sent it out for repair after going through hoops with the repair cost because the salesman told me the 3 year protection plan would cover the cost of any repair of the mower and if anything ever happen to it we could bring it back and get another one is how he explained the protection coverage at the time. After paying my ex landscraper to cut my lawn I Finally got the lawn mower back. Two weeks later I go to cut my grass and the same exact problem- the pulley comes off again. What a headache! Its obvious that this product is defective. Lowes can care less about their consumers. I 'm not going to pay for a defective product and neither should I have to send it out for repair after every use. Stop selling bad products! This is the second time I 've had the same problem with a so-called new mower. I will be contacting the Attorney General 's office on this matter and reaching out to other sources as well about this matter since I ca n't get anywhere with Lowe 's. I want lowe 's to refund my card and come pick up their defective mower.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, I have been working with the company 's trying to remove old and or inaccurate information from all 3 credit monitoring agencies. They would constantly send letters staying that it seemed like a 3rd party was doing the request so no action was taken. It's becoming frustrating that I can not get the answers I am looking for with theses companies
Product: Credit reporting or other personal consumer reports

Someone is apply for XXXX XXXX XXXX XXXX XXXX  times a month without my knowledge for a total of XXXX inquiries that i have no idea about
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) 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: Debt collection

I sent a certified letter to Chrystler Capital on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. XXXX times they have stated that they could not find the account, and needed more info, even though they were given an account number. in this time they sold the account to a collection agency that sent me a collection notice on XXXX XXXX. By law, Chrystler did not supply the info within the 31 days required by law validating the dispute nor did they mark the account disputed in the required amount of time
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXXXXXX XXXX  ), XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXXXXXX XXXX XXXXXXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$64.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Please find the list of affected accounts and inquiries below : Accounts : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the accounts on my credit file are inaccurate and have not been verified by the credit bureau.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX and Equifax XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1900.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX  Secured Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$120.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$700.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Collection account from XXXX XXXX with account # XXXX and a balance of XXXX XXXX.The original creditor is XXXX XXXX XXXX XXXX.I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$980.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the lack of responsibility on your behalf. When will Experian going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts. This CFPB Complaint will be my XXXX CFPB complaint to be submitted requesting the removal of the disputed accounts completely from my Credit file. Under the provisions of the Fair Credit Reporting Act, I am requesting that the Credit Bureaus remove the disputed accounts completely from my Credit File. The Following accounts were already deleted from the other Credit Bureaus, and I need these items completely removed from my Credit file. 
XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX XXXX XXXX : {$10000.00}
Product: Checking or savings account

Axos bank refuses to send me documentation from the merchant for a disputed transaction. This has been going on over 2 months I have submitted a complaint prior with the same excuse I have contacted the merchant who has told me they processed the refund. Axos bank ither is lying to me and or/ will not dispute the transaction under regulation E then closed my account access so I am unable to verify weather merchant processed credit.
Product: Vehicle loan or lease

PLEASE DO NOT LIE AND CHEAT REPEATEDLY. PLEASE SUBMIT THE RESPONSE IN THE CFPB PORTAL. ( Attaching a recent utility bill for identity ). 
Account No : XXXX My name is XXXX XXXX. I live in XXXX XXXX XXXX XXXX , XXXX, OH XXXX. My home phone is XXXX. I am the one who launched this complaint in CFPB. I have been following up with Bank of America on this issue for a year now, but Bank of America had not responded. Bank of America closed the complaint without responding to my concerns in the CFPB portal. Please answer the following questions in the CFPB portal. Please do not cheat me. 

XX/XX/2018, the XXXX ( XXXX ) XXXX and XXXX XXXX entered my home, violently attacked my children, left a XXXX, and stole my sons XXXX XXXX. On XX/XX/2018, the XXXX and XXXX XXXX  told me twice that XXXX XXXX and XXXX ordered the attack. The attackers also said they have been monitoring my home for months. I have been paying promptly. I explained the XXXX retaliation situation many times, and I always said I would pay and asked for time. I also mentioned that the XXXX case is ongoing in EEOC. 

Sunday, XX/XX/2018, in-humanely XXXX XXXX and XXXX attacked my son, left a XXXX, and stole his XXXX XXXX. The next day, Monday morning, when my son went to school ; the school said that his XXXX XXXX license plate is cancelled. I dont know how Mr XXXX XXXX school knew about the license cancellation very quickly. 
I have invested over {$26000.00} in my sons XXXX XXXX. I have been following up with Bank of America since 2018 on this incident, but no response. I financed my sons XXXX XXXX through Bank of America ; does Bank of America have the policy to send XXXX and XXXX XXXX, take my sons XXXX XXXX without any notice, and violently attack my children? 

What happened to my {$26000.00} investment? 
Which policy allows Bank of America to send XXXX XXXX and XXXX to take my sons XXXX XXXX without any notice and attack him? 
Does Bank of America have the policy to monitor my family? 
I always said I would pay. I want my sons same XXXX XXXX ( XXXX ). I will pay the money. And I also want compensation for all the sufferings and losses we endured unjustly because of Bank of America 's violent act. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against SchoolsFirst Federal Credit Union regarding their failure to respond to my disputes. I have mailed dispute letters to SchoolsFirst Federal Credit Union on three separate occasions : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite the passage of time, I have not received any response from them regarding the inaccuracies I have disputed. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), furnishers like SchoolsFirst Federal Credit Union have 30 days from the date they receive a consumer 's dispute to conduct an investigation and provide the results back to the consumer. However, in my case, SchoolsFirst Federal Credit Union has failed to adhere to this timeline and has not communicated with me regarding the outcome of their investigation into the disputed items. 

I am including copies of my dispute letters sent to SchoolsFirst Federal Credit Union to demonstrate the attempts I have made to resolve the errors on my credit report. Despite my efforts, the credit union has not responded or taken appropriate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted that my credit score had a delinquent account. On XX/XX/XXXX, XXXX XXXX reported my credit as being delinquent with a last payment of XX/XX/XXXX. This information is incorrect. I made a payment of XXXX on XX/XX/XXXX and another payment of XXXX on or around XX/XX/XXXX and it was debited from my account on XX/XX/XXXX. In my XXXX account portal my next payment is not due until XX/XX/XXXX but the company has reported me late inaccurately. This is the second time I have had this problem with XXXX XXXX incorrectly reporting my credit information and refusing to correct it.