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

XXXX XXXX yes or no did you have Relation with XXXX collection agency? Regarding the account listed above? They said you did and you said you did! See file For Additional information in your own words But they were unable to send me documentation to prove to me that had became owners of the accounts I want to also make your Institution fully aware since you were the original creditor you have violated the FDCPA by such actions as notify the credit bureaus! Failure to do so does and perhaps meet the criteria for deletion and I quote respectfully! The law is very clear. 
I will also need a copy of your contract between you and XXXX also a purchase agreement with a canceled check from XXXX as to How much the debt went for. Also all information that you forward to XXXX Regarding this account XXXX I give you 24hrs from the time you receive and finish reading this complaint I asked that you delete this account from my credit file. If you try to go back and add the information that was required of you you will suffer the consequences and I guarantee you the law is very clear in your bank has been around for many many years and you know the rules the loss that you must follow! Respectfully there will be no more
Product: Credit reporting or other personal consumer reports

I contacted Data X credit reporting agency to confirm the company placed a security freeze which was requested over a year ago. However, they never placed a freeze on my account. I was informed today that I need to fill out another form and provide a copy of my DL and Social Security card. This is very alarming. There has to be another way to send a company your information especially when you are a victim of idenity theft. Why would any company request a copy of your Social Security card?
Product: Money transfer, virtual currency, or money service

I am filing a complaint with Block, inc/Cash app due to the inadequate customer service and unfair practices, of which violate the consumer financial protection act ( CFPA ). Specifically, Cash failed to assist with disputes, as well as failure to take timely and effective actions to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card

I applied for a credit card through Chase XX/XX/year> and was approved for {$1200.00}. That was less than what I requested.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. 
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 
THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Credit card

I have been with XXXX  since XXXX requested a late payment XX/XX/year> to removed after a day late, or a courtesy removal. The payment range from XXXX @ month. It's not in my DNA to miss any payments to my creditors- trying to buy a house for the XXXX time and i've having difficulty getting a decent rate before of this late that's still on my report, please help me- thank you
Product: Money transfer, virtual currency, or money service

Send out money to my landlord but it went to someone unknown to me
Product: Student loan

I graduated from college in  XXXX  with a starting balance of $  XXXX  -it is n ow  XXXX  and the current balance is   XXXX    XXXX . I have requested the original information on this loan and was not provided with that or payments since  XXXX . I was sent information from  XXXX  on. This information was sent from  XXXX -which is a nightmare to deal with. They tried telling me I needed a reason for asking for the payment information and then sent me someone else 's loan information! From what I can tell with the information I have received the interest rate ranges from 5 %  -5.3  %? I know there was a time I did not pay and was in deferment, but I am guessing no longer than maybe 6 months? I have paid on average {$190.00} a month ( I think even more when I first began payments on the loan ) so according to the figures I receive I will have paid almost double of what the original balance was!   I sent in application for  Public Loan Forgiveness s o now my loans are through myfedloan servicing. According to them I do not qualify for the forgiveness and I have sent them an email asking for some explanation on these numbers and I have not received any response. I would like some help/questions answered as to how this is fair and possible that this loan will not be paid off until  XXXX . It is really mind blowing if this is correct and how student loans are done.
Product: Credit reporting or other personal consumer reports

There are fraudulent inquiries that are affecting my score. please remove them as soon as possible. 

XXXX XXXX inquiry date XX/XX/year> XXXX/XXXX  inquiry date XX/XX/year>
Product: Student loan

Fed loan transfer the student loan to other company and my score is low XXXX point. I worked hard to fix my credit and lose XXXX points in my account.
Product: Debt collection

I received a bill in the mail stating that I owe them money. I sent a letter via certified mail asking them to send me a copy of the contract that I have with them. Their response to me was a statement from a company called XXXX XXXX. Follow-up later states that they investigated and responded to my request already in XX/XX/year>. Again the only paper that I received was a statement, which is not sufficient.
Product: Debt collection

I have disputed all of account from Americollect to verify my debt. However instead of the agency verifying the amount owed they sent me copies of my medical records. I did not sign a HIPAA release for them to even have access yo my records this has violated my rights.
Product: Debt collection

A notice of cease and desist, as well as a reuest for proof of contract was sent to Aspen National Collections on XX/XX/2019. However, they refuse to respond. Instead harassing and contacting me everyday, a couple times of day since thr date listed on the notification letter, XX/XX/2019.
Product: Debt collection

I was being bombarded by calls about a {$2000.00} XXXX ( varied ) debt to XXXX. Not having ever conducted a transaction with XXXX that would result in a debt, I largely ignored these calls for about 6 months. Finally, being fed up with call-blocking not being effective, I contacted XXXX directly XXXX probably sometime in 2020, I'm not sure ) by phone to ask if I had ever had a debt with them. They confirmed I did not, and then I closed my account as a precaution. 

Now I'm receiving statements from a debt collection agency called XXXX. Looking them up online, they appear to be legitimate- but many things can appear to be. I'm becoming more concerned about how this may affect me and I want it stopped before it causes me any damage.
Product: Vehicle loan or lease

I've been having some issues with my car payment due to having back XXXX in XX/XX/XXXX and ended up losing my job over this. I had always stayed in contact with XXXX financial and always answered their calls. Also when they had called I had answered and they would hang up and call my dad who was co signer on the loan and tell him I didn't answer the call, which in fact I have records of this as well all calls. My farther relay the message and the next few times I had talked to them they try to say it was their end that their phones were messed up. There had been a few attempts that on a phone call i had voluntarily did a reposition of the car and the agent said oh no don't do that we are here to work with you. It wasn't once I had told them this because of being on XXXX and not getting much a month and they were well aware of how much I made being on this and at least XXXX less then what I was making from when I had a job they still refuse to pick up my vehicle as I asked them to do. After many months of struggling to make ends meet and just paying two payments I was still 2 months behind today XX/XX/XXXX they came to repo my vehicle and I given the key to them and was nice to the repo person. I feel that they took advantage of me knowing my XXXX and hardships that I've been dealing with that they put me in this mess as I offer 3 times to come pick up my vehicle. Now yes they did help me on some defer payments but also messed up the last two as one agent told me one thing and another would tell me another. So to me I feel that they took advantage of my hardship as well as my XXXX and wouldn't refinance the vehicle for me or help with losing the payments or even take the car back. Now I have requested to have all phone records pulled and all documents copied to see how they could do this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, your company is committing extortion against me by reporting to non-affiliated third parties coercing me to pay an alleged debt. In addition your company has violated me per 15 US code 6802 : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Also your company did not provide full disclosure, required under TRUTH IN LENDING, of my ability to opt out of any sharing of my nonpublic personal information with non-affiliated third parties : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.The only credit bureau is the CONSUMER FINANCIAL PROTECTION BUREAU. Your company did not have my written consent or fully disclosed permission to share my non-public personal information with any third party such as a credit reporting agency. YOUR COMPANYS ACTIONS ARE NOT LAWFUL CONSIDERING I WAS NEVER PROVIDED FULL DISCLOSURE. Your company has been implicit in harm against me and my financial reputation and I will seek remedy for my damages through legal procedures if this matter is not rectified immediately. This is my final attempt to resolve damages you have caused me before filing for arbitration.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I notified Equifax that there were several soft inquiries on my Equifax Consumer Credit Report by EQUIFAX XXXX XXXX UP that I do not recognize and I did not authorize. 

Upon review of my Equifax Consumer Credit Report dated XX/XX/2023, these unauthorized soft inquiries by EQUIFAX XXXX XXXX UP are still being reported.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX  UNAUTHRORIZED INQUIRIES : XXXX XX/XX/year>
Product: Payday loan, title loan, or personal loan

We decided to get solar panels on our home, a rep from XXXX XXXX XXXX XXXX XXXX XXXX came out and gave us an estimate and offered financing. We chose to do the financing option only to find out afterward that Sunlight Financial was not the creditor, it is XXXX XXXX Bank located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and we are only able to get access to them from Sunlight. This institution has participated in fraudulent and predatory lending actions on multiple occasions and in multiple states. We are now on the hook for over {$39000.00} at a minimum for a solar system that hasnt even been connected to the grid. Lets not mention that this institution knew there was bad business practices by XXXX XXXX XXXX XXXX XXXXXXXX XXXX for months and months yet continued to initiate pushy loans to unsuspecting consumers. Now we have contacted both entities to try to remedy this situation, we got nowhere with XXXX XXXX who filed bankruptcy and closed all operations yesterday, we have gotten nowhere with Sunlight Financial either as they claim they are investigating the situation yet we fail to have any correspondence from them. We now have thousands of dollars of useless equipment on our roof, nobody to service said equipment, breaches in contract, and damage to our home from this equipment. This is a multistate issue and needs to be addressed immediately. The financial burden that these people have cost my family is ridiculous and continues to grow. Somebody please help this veteran family!!
Product: Checking or savings account

I was a victim of identity theft and funds were stolen from my Bank of America ( BoA ) Checking account. I was able to catch this as it was happening and notify BoA before the transactions processed that these were fraudulent and have provided them with the open police report case number. They did open a claim but allowed the transactions to still process and have since denied my claim without thorough/any investigation.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX XXXXXXXX Balance {$450.00} XXXX XXXX XXXXXXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX, I was able to obtain my credit reports from XXXX and XXXX. Equifax claimed they could not deliver my report online and needed further information, which leads me to believe they have fraudulent information. They were unable to provide the report electronically today via several phone calls to their regular customer service line and Global Consumer Care team. It is vital that I receive this report today, as someone has fraudulently opened a XXXX account in my name and purchased two phones, for which I received the bill yesterday. It is unacceptable that I am not able to receive my report from Equifax in a timely manner ( mail in a copy of my W2 and other sensitive information, when USPS has been unreliable?! ), as my identity has clearly been used fraudulently and I potentially have other issues to resolve.

Additionally, on two separate calls, they tried to SELL me either a credit protection service, or to get me to PAY for my credit report, both of which are appalling responses for someone trying to obtain their credit report during a stressful event such as identity theft.
Product: Credit card

XX/XX/year> webpage won't allow charge to display. Open credit account has a balance of zero dollars.
Product: Credit reporting or other personal consumer reports

Equifax is not reporting items on my consumer credit report properly. I have some discharged items that are not reflected as such on my consumer report. The items in question have been discharged and paid. The account should report as paid, or payment complete but instead Equifax is reporting items as closed which is misleading to anyone who may request to access my report. That is a misrepresentation of the actual fact. Items that are reporting as closed and not discharged and paid are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And these accounts still report delinquency payment history which is deception upon the consumer. Equifax knows these things and still willingly, knowingly and intentionally harms consumers and does not protect the best interest of the consumer because they are XXXX  persons for unjust enrichment.
Product: Mortgage

This is an ongoing issue with TD Bank. 

The Bank is refusing to accept a CERTIFICATION OF TRUST in Lieu of a Trust Agreement despite a Florida law ( XXXX ) to the contrary. 

Please investigate the business practices of TD Bank, specifically in Mortgage Origination as it pertains to Trust requirements.
Product: Mortgage

electrical fire happened in XX/XX/XXXX at the time my uncle was living in the home at XXXX XXXX XXXX XXXX XXXX XXXX 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 at the time of the the insurance company paid out 100 % of the policy amount of coverage for repairs on my uncles home. when mortgage company Bank of America released only the amount of XXXX XXXX dollars they said the remaining amount would be monitored but every time I have sent in estimated to complete the rest of the damages Bank of America claims department continue to refuse us the allotment sue to the fire damage now since this has happened a year later my uncle caught XXXX from negligence of the mortgage and from the transportation that was to transport my uncle to one hospital instead took upon them sleeves to take him to another where later was taken to the correct hospital a week later with a sever case of XXXX where he pass away on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX