23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a a unverified account from ENHANCED RECOVERY COMPANY # XXXX. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I opened a TD 60 Plus Checking account. TD Bank was unable to get my mailing address correct no matter how many times I contacted them. My statement was ending up in unauthorized hands. On XX/XX/XXXX I closed my account due to address problem and unprofessional behavior at the branch. Unfortunately, I had a refund from a merchant due me in XX/XX/XXXX. TD Bank said they never received the credit to the closed acct. However the merchant sent me proof of said transaction. Finally a month later they admitted they had the money and sent me the funds with plenty drama. 

Now on XX/XX/XXXX, another merchant has informed me they have also credited my closed account. They have also sent me proof of this transaction. Again TD Bank is telling me they don't have the funds. ( This time the credit is a much larger amount ). 
While the merchant understands that the account has been closed for a long time, they told me it is federal law, that they MUST return it to the account the purchase was made through. I have tried to get TD Bank to cooperate. Please Advise me ... ..Thank you.
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 Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C 1681 section 602 A. States i have a right to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. XXXXl Law overrides any company policy. XXXX XXXX account number XXXX.
Product: Payday loan, title loan, or personal loan

I am being harassed by ace cash saying they have a lawyer they are filing a civil suit for fraud a lawyer whoever called my mom saying they are going to serve me with papers at work or home and also trying to get my information to my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$720.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$720.00} Balance updated XX/XX/XXXX Delete account never had open with XXXX XXXX. 
Similar person with name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND NEED TO BE DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$9300.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Product: Vehicle loan or lease

After my vehicle was repossessed, there was a 33 State Predatory Lending Class Action Settlement against Santander Consumer USA. From XX/XX/XXXX through XX/XX/XXXX, Santander agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions. I purchased my vehicle in XX/XX/XXXX, my repossession occurred in XX/XX/XXXX. Santander settled the case in XXXX but they also sold the debt to XXXX XXXX. According to the agreement, my debt is to be forgiven, the account status should be updated to positive and most importantly the account should be removed from my credit profile. Due to what Santander agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this complaint.
Product: Credit reporting or other personal consumer reports

The issue involves a bankruptcy record that Transunion claims to have " verified '' directly with the U.S. Bankruptcy Court. However, I recently received an official letter from the United States Bankruptcy Court for the Middle District of Florida ( attached to this complaint ), which clearly states that the court does not report or verify information with credit reporting agencies. This directly contradicts XXXX 's response to my dispute. 

Below are the key facts of this case : XXXX. The bankruptcy record was added to my credit report. 
XXXX. When I disputed this information with XXXX, they claimed the court had verified it. 
XXXX. The court has confirmed, in writing, that it does not report or verify records with credit reporting agencies, as such records are publicly accessible. 

Under the **Fair Credit Reporting Act ( FCRA ) **, XXXX is required to ensure all information in my credit report is accurate and verifiable. By failing to comply with these requirements, XXXX is unfairly harming my credit history and my ability to access financial products.
Product: Money transfer, virtual currency, or money service

On XX/XX/16 a mobile mechanic agreed to repair something on my truck. He didn't do the work correctly and said he would come back. I submitted proof to Cash App showing that I was scammed. I paid for something and the guy admits via text message that he didn't fix it and won't come back to fix it. He was referred to me by the store. I was misled into thinking he worked of XXXX 's by the store manager. I called the store to tell them the guy won't do the work and they told the guy that I kept calling. He told me to stop calling them. I gave Cash App proof of me being XXXX over and they ruled in favor of the guy who clearly scammed me out of {$50.00}.
Product: Checking or savings account

Wells Fargo reversed a claim i reported of my card being used fraudulently. i have a police report that documents fraudulently charge of {$82.00} and {$240.00} from a Hotel in XXXX XXXX IN. My card was lost/stolen to use these funds. I ask for a refund ASAP PURCHASE AUTHORIZED ON XX/XX/22 XXXX XXXXXXXX XXXX XXXX XXXX IN XXXX CARD XXXX PURCHASE AUTHORIZED ON XX/XX/22 XXXX XXXXXXXX XXXX XXXX XXXX IN XXXXXXXX CARD XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of XXXX and Equifax to provide me with notice of a dispute as required by the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2024, I submitted a dispute to XXXX and Equifax regarding inaccurate information on my credit report. Despite my submission of this dispute, I did not receive any notice from XXXX and Equifax confirming receipt of the dispute or informing me that an investigation would be conducted, as required by the FCRA. 
This failure to provide notice of the dispute has significantly impacted me, as I have been unable to address the inaccurate information on my credit report and mitigate potential harm to my credit standing. I am concerned that XXXX and Equifax 's failure to comply with its obligations under the FCRA may have violated my rights as a consumer.
Product: Credit card or prepaid card

My credit card account was sold from XXXX XXXX to Goldman Sachs. After the transfer, my auto payment had to be set up with the new company. I attempted to do this on their website multiple times, and got a confirmation page each time and in the meantime began to receive notices that my payment was past due. They have reported two payments in XX/XX/2022 showing a delinquency of more than 30 days. I asked them to remove them due to a system error that caused my payment to be late and they said they would not. Prior to XX/XX/2022, there has never been a late payment on this card and I have held it for over six years. 

Additionally, their system is unreliable. On XX/XX/2022, I was unable to access my account on their website, app, or by phone. My XXXX payment was due on the XXXX and there was no possible way for me to pay it. I paid it on the XXXX when I was able to and they canceled that payment without reason and applied a {$29.00} late fee to my account. On the XXXX, I phoned them to correct the payment and late fee and they declined to do either. 

This company is run poorly, behaving unethically, and offering no resolution to the problems they are creating.
Product: Checking or savings account

On XX/XX/2021 I opened a checking account online with Citibank. The following day XX/XX/2021 I received an email from them that they needed address verification, I submitted that requested info the same day via XXXX as requested through Citibank. On XX/XX/2021 I received and email from Citibank stated my account was opened and I needed to fund the account. So I went ahead and funded the account. I received a debit card via XXXX the following XXXX XXXX. 

I tried using the debit card at the store and my card was denied. I came home and called customer service and they stated that my account has a " block '' on it because their back office has not reviewed the address verification, They asked that I give them another XXXX XXXX. XXXX XXXX had past still didn't have access to my account. So I went into my local branch spoke with the branch XXXX he tried to get this issue resolved but was unable to get the block removed. So at that time we decided to just open me another account an fund the second account. So I did that and then went home called the customer service department as asked to have the close the account that has the block on it. Customer service stated that it will take XXXX XXXX to close that account and they would send me a check with the balance owed to me. 

On XX/XX/2021 I go online to pay bills using the XXXX account and once again my card was denied. I looked up mu account online just to find out they closed the XXXX account emptied all my money. I called the bank they stated it as mistake but was unable to stop the process. That they are processing a check to send me of what was in that account. They do not have a timeline as to when I will receive my money back. 

So now I have an account XXXX XXXX but cant access because of the block on my XXXX account has been closed and my money is being sent me whenever it goes through their processing, I haven't had access to my money for almost a XXXX, I have rent, insurance, bills and XXXX to feed with XXXX access to my money. This is unacceptable! Please help get this issue resolved ASAP.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I went to XXXX and logged into the public wifi. 
Then I logged into Chime Mobile Bank app to see my funds and to pay for my meal I pay for my meal and continue to surf the Internet The next day XX/XX/year> I log into Chime Mobile Banking app and noticed that {$870.00} was missing from my account I went through my account and noticed a stranger Hacked my account over public wifi and sent himself {$870.00} of my money unauthorized. 

I immediately got on the phone with chime customer service to dispute the transaction On XX/XX/year> Chime denied my dispute even though I'm a victim of fraud and didn't authorize the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act Reporting, XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

I have not given my written instructions to furnish this account so please remove this from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response.In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting

Experian will not investigate those collection items XXXX XXXX In which all should be deleted it has been over 7 years and they are still reporting these accounts. There is also XXXX bankruptcy on my file which do not belongs to me should be deleted. XXXX and XXXX are not reporting those bankruptcy neither collection items accept XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer have been violated by consumer reporting agencies .. ACCOUNT NAME : Louisiana child support / XXXX  XXXX XXXX Louisiana has been posted on my account and is preventing me from enjoying the quality of life.. XXXX and Core logic has violated my rights 15 USC 1681-4 : There is a need to ensure that consumer reporting agencys exercise, their grave responsibilities with fairness impartiality in a respect for the consumer rights to privacy 15 USC 1681 section 602 a : States that I have a right to privacy 15 USC 1681 section 602 A : It also states, a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( a ) ( 5 ) : States that 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 conviction of crimes, which antedates, the report by more than seven years.

15 USC 1681, S-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, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ;
Product: Checking or savings account

On XX/XX/XXXX I attempted to access funds in my Apple Card Savings account. The request was denied. When I call to speak with their Specialist they told me they have to right to deny any transactions, at anytime, without explanation. I have never encountered this EVER. I would like all of my money out of the account as soon as possible.
Product: Student loan

I am writing to formally request the forgiveness of my student loans due to a severe violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). It has come to my attention that XXXX XXXX and DOGE ( Dogecoin-related entities ) have gained unauthorized access to my personal student loan information, including my Social Security number, financial records, and loan details, without my knowledge or consent. This breach of privacy not only constitutes a direct violation of federal law but has also exposed me to potential financial and personal harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use XXXX XXXX to monitor my credit scores. The Equifax score is reporting a hard inquiry from " XXXX - XXXX XXXX XXXX XXXX '' on XX/XX/XXXX. I did not have a credit check done at this time and believe this is fraudulent. 

Additionally, I have two hard inquires from companies " XXXX XXXX XXXX '' on XX/XX/XXXX and from XXXX on XX/XX/XXXX. Both of these inquires were from when I was inquiring about a mortgage. They were from two different institutions, XXXX XXXX   and XXXX XXXX ; however, they were inquiring about the same thing, a home loan. On Equifax 's own website, they state " Multiple hard inquiries within a certain time period for a home or auto loan are generally counted as one inquiry. '' Considering they are within a week of one another, and resulted in a single loan, they should really be counted as a single inquiry. 

Finally, there is a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I did begin services with this company then ; however, I was not informed it would be a hard inquiry and was under the impression that utility service inquires were soft. This seems particularly ridiculous when people frequently move from house to house and have to set up new utilities throughout their lives.
Product: Money transfer, virtual currency, or money service

My account and that of my entire family was frozen, we applied to support. Over and over again We didnt receive a response, just automated emails stating that they would contact you within 24 hours or 48 hours. Its been over 60 days!! 

This is a shame, a company of this level of the digital and computer age, with so much technology and credibility, can not provide support to its customers. They simply lock the account, suspend and freeze your funds. And without any satisfaction! No return, no solution This is bad and embarrassing, feeling of helplessness.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Debt collection

Individual named XXXX claiming to be with locator service looking for a distant family friend for disclosed reasons.
Product: Credit reporting or other personal consumer reports

LexusNexus can not provide accurate information on how information was obtained
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Misleading false reporting this account is negligently and inaccuratly reporting failing to comply to 15 USC 1681. Under 15 USC 1681b permissible purposes of consumer reports, i never gave this company any written consent to report anything on my consumer reports, and no consent is Fraud!