23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$94.00} 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
Product: Consumer Loan

I recently ( XXXX/XXXX/XXXX ) financed new bedroom furniture with Conn 's Home Plus ( " Conn 's '' ). While I am highly satisfied with the quality of the furniture I purchased, I can not say the same for their customer service record departments. I was advised by the store at time of purchase that if I provided proof of homeowners/renters insurance I would not have purchase their insurance policy. I provided such information ( in the form of multiple emails ), and can provide proof if needed. I subsequently received my Truth in Lending statement and follow up correspondence which showed the additional insurance being included. I had to again ( for the third time ) provide the declaration page of my insurance before the policy was finally removed. 

This brings me complaint today. My due date is the XXXX of each, with a grace period until the XXXX. Yesterday ( XXXX/XXXX/XXXX ) I received a phone call at XXXX EST, and was left an automated message to contact Conn 's regarding my account. By leaving the automated message this is considered " contact '' under the terms of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692-1692p ) of XX/XX/XXXX ( " FDCPA '' ), and reaffirmed by XXXX v. XXXX XXXX XXXX , XXXX in XX/XX/XXXX, and no further call should have been made within that day. I received another call yesterday ( XXXX/XXXX/XXXX ) at XXXX EST, with the same automated recording. This morning at XXXX EST ( XXXX/XXXX/XXXX ) I received a phone call again from Conn 's and was lucky enough to speak with a live representative. After verifying my information he immediately advised that the payment of {$190.00} was due, and asked how I was going to pay it today. I explained to the gentleman that since my due date fell on a weekend I would set it up via bill pay today, I also explained that I am with my within my grace period and did not appreciate the multiple phone calls. He stated he would note the account that I was going to via bill pay, and the conversation ended. At XXXX EST this morning ( XXXX/XXXX/XXXX ) I received both an automated " Friendly reminder '' text message, and an " Important Message '' email from Conn 's. To me this consuetudes harassment, and is a direct violation of the FDCPA, specifically, 806. ( 5 ) - Harassment or Abuse ; '' Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. " I have documented proof of all of the above listed allegations, and am willing to provide copies/screenshots if requested.
Product: Mortgage

On XX/XX/XXXX I purchased a home in the state of AZ. On that day I opened XXXX mortgages ( in other words ... an XXXX split ). In XX/XX/XXXX that property was foreclosed on by XXXX XXXX XXXX via Trustee Sale. Three months before foreclosing XXXX sold the smaller loan to Green Tree. The balance of this loan is considered purchase money as it originated at the same date and time as the 80 % loan ; therefore, this loan meets the requirements for protection under Arizona 's Anti-Deficiency Statutes XXXX ( A ) and XXXX ( G ) ( it was utilized as a single XXXXfamily dwelling and is located on less than XXXX acres ). I have spoken to Green Tree on MULTIPLE occasions over the past 5 years about this issue and they are still reporting that I owe the balance on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Utilization is an experience created by credit usage. Experian is furnishing utilization to my consumer report and they do not have my permission to do so. I have notified them via letter in the mail, that they needed to delete utilization from my consumer report. They refuse to do so, which is a VIOLATION of my consumer rights. I never gave Experian written instructions to report utilization. according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of this utilization is accurate and my privacy has been violated by allowing this utilization to report to my consumer report!
Product: Debt collection

Midland Credit Management purchase my debt from XXXX XXXXXXXX XXXX  now charging me more then my past account. I never signed any documents to sell or send any of my personal information to a 3rd party which violate Section 809? Validating Debts required them to send me information I never received from them.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX and Equifax are reporting in accurate information on my credit report. This is a formal complaint that they are reporting in accurate and incomplete information on my credit report. The notation of the following late payments is in accurate. Please reach out and verify that all for this account is reporting accurately, including everything. Late fees and date and balances whether reported or not. XXXX XXXX XXXX. I respectfully request to be provided with proof of this alleged items specifically not proof that those payments were in fact late by the provisions of the consumer protection laws. I demanded it failed to do so liking proof of these payments being late please update my panel to late and supply a corrected credit profile to the creditors who have requested a copy of my credit report in the last XXXX months. I also request original contract payment history with the original creditor with my signature on it XXXX XXXX XXXX I am also requesting the description of the procedure used to determine the accuracy of this information. I have read that this must be provided within 15 days. Ive also read that under federal law you have 30 days to complete your investigation. XXXX XXXX XXXX XXXX understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter or you must remove the incorrect information. XXXX XXXX. A consumer reporting agency shall block the reporting of any information in the foul of a consumer that the consumer identifies as information that resulted as a large identity theft no later than XXXX business days after the date of receipt. You are in violation of this law because I am a victim of identity theft please delete these items immediately. Please send me an updated copy of my credit report at the above address. I also need any addresses and phone numbers removed off my credit report other than the address and phone number I provided. XXXX XXXX code XXXX in, also known as the Fair Credit Reporting Act Covers civil liability for willful noncompliance with consumer credit reporting agencies. It states that any person who intentionally. fails to comply with a requirement under the sub chapter in relations to a consumer is liable to that consumer. This liability includes actual damages sustained by the customer. Punitive damage as the court XXXX allow. Or cost of the action together with reasonable attorney fees. Last but definitely not least XXXX code XXXX states that we the consumers are the creditors. Thank you so much for your prompt attention time and help in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 

I never authorized or consented to any of the accounts being reported on my credit report. 

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Hello, I started using Coinbase long time ago, all of the suddent the frozed my account. 
They asked for my ID 's, I summited my ID 's a few weeks ago, my account still frozen. 
I have contacted them and open a case, it looks like they are playing with me. 
Im a legal resident of the U.S.A, I summited all my ID 's, they have no reason to keep my account frozen, please help, I need those funds. 


XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and XXXX XXXX XXXX submitted erronous documents through court which caused judgement. Lawfirm agreed to voluntary dismiss without prejudice .XXXX needs to remove account from credit report if not please help setup courtdate. Also XXXX  had me sign 2 contracts and i was not aware they made changes. Loan sharking should be illegal especially when you have good credit Also experian because they see the legal document stating dismissed without prejudice and still has not removed. I also have letter from judge himself stating im done
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a small business revolving charge/Credit Card account that was opened by my XXXX. Unfortunately, it is attached to my Social Security number, and is showing on my Experian, XXXX XXXX, and XXXX  reports. I have asked the issuing bank to assist, they tell me that I must reach out to the credit reporting bureaus. I filed complaints with both banks and was denied by Experian and XXXX. The business account is still on my personal credit report and is dragging down my personal credit score. XXXX XXXX removed the account without issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error.

Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited Quicken Loans website to see what my financing options for a mortgage. I was more interested possibly in a bridge loan because my home is paid off and wanted to sell my home and put the money towards a new home. Not knowing about Quicken Loans, I only wanted a soft pull for what info I wanted to give them without my Social Security or making any offers. After giving my address, email, phone # and a credit rating, my phone started to blow up with phone calls. The 1st guy that called ( I believe XXXX was his name ) was rude and did not want to listen to my needs. It seemed as if he had a document that he was reading off and I was annoying him with my questions because I wanted to cut to the chase and get my answers. I ended up hanging up. What has upset me was that they have sent my information to several lenders and my credit score went down 7 points by a company called XXXX that looked at my credit score 2  times, XX/XX/XXXX & XX/XX/XXXX. I contacted XXXX and they said that they are affiliated with Quicken Loans and I should dispute my credit with them. I was recommended to a employee name XXXX XXXX, an Resolution Advocate and she said that she could not help me and that the other Lead Resolution Advocate XXXX XXXX that she was going to recommend me talk to, was not going to dispute or help me out either. That ... .is unacceptable and what set me off ... .Obviously Quicken Loans don't care about my needs and took advantage of me and my credit score that would of giving me a lower interest rate. I will NEVER deal with this company again! I will be filing my complaints and reviews on EVERY consumer website to let the public know about Quicken Loans and their associates and be warned. If they would of taken the courtesy to disputed my credit score, I would of let this go!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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, P ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX ( Original Creditor : ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$8600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX XXXX {$64.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report once again, I realized that some of the accounts were erroneous and unverified. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$220.00} ; XXXX  XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$65.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in numerous letters and disputes regarding information that is reporting on my credit file that does not belong to me. I have sent over a copy of my identity theft report and filed previous complaints with the CFPB and the items are still showing on my credit file with Equifax, all other credit agencies have deleted the accounts listed fraudulently due to identity theft but each time i speak to representatives at Equifax nothing is being done. I have been hung up on and advised the dispute takes 30 days and have been waiting 45 + days to get results. Just recently i contacted equifax regarding disputes that were finalizing on XX/XX/XXXX and XX/XX/XXXX and nothing was blocked or removed. The creditor XXXX XXXX is still listed although i sent in a letter FROM THE CREDITOR that clearly stated the account was to be deleted. When i informed the representative of this he stated that it would have to be reopened to investigate it again. So i am expected to wait another 30 days after i just waited 30 days for this company to re investigate something that should have been done properly the first time. That is unacceptable. I also asked about the other items listed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX, i was informed that all items were still listed on my report. I have advised that i have no knowledge of these companies and that i AM A VICTIM OF IDENTITY THEFT. These items should have been REMOVED/ OR BLOCKED FROM MY REPORT PER FTC GUIDELINES. this process has not been followed and the unprofessional reps that are there to assist have no clue what is going on. This has created emotional and mental hardship and the next stage of this process if not resolved will be to file a civil suit regarding the inaccurate reporting and violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I received an invite for applying a personal loan from Citizens bank. The letter said that it is a pre-approved offer and I can use the invite code to check my interest rates. It also mentioned that there will be no inquiries on my credit report. So, to check my interest rate I proceeded with the loan application using the invite code. This happened on XX/XX/2018. Now, when I checked the credit report, I found a hard inquiry by Citizen 's bank. Please let me know how to fix it. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file and listed on my credit report are : XXXX  XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX
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 Account number XXXX 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 antidotes 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
According to the 15 U.S.C. 1681 section 602 A states I have the right to privacy. 
These addresses do not belong on my credit report. 

XXXX XXXX XXXX XXXX, XXXX florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX XXXX Also the only name on my credit report should be XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

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

XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.