23daVinci/CFPB_Complaints huggingface dataset:
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 Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : REF Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 item listed below has violated my rights. 

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

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

I am writing to dispute unauthorized inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be unauthorized. These inquiries are not associated with any applications or transactions I initiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencys ( equafax, XXXX ) they are illigally attaching the transaction history. Payments made, on time or late. Account History. Credit usage. Against my rights under the congress passed FCRA law.
Product: Checking or savings account

Since XX/XX/XXXX Capital One stated they would close the checking account 360 due to a mobile deposit I made from a contractor. I explained to them was my first time working with the contractor but no problem close the account since they said no other option. I was told I would receive a check for the amount that was currently in the account on XX/XX/XXXX. I have waited patiently and been calling, emailing, and writing letters to the company to no avail or response. Before XXXX I realized they had NOT closed the account and have continued to accept a portion of my stipend as well as payroll every two weeks since the XX/XX/XXXX deposit. I was told the account was n't closed for some reason, but that I ca n't access the funds. Which at that time it was {$670.00}. Today the balance is {$750.00} and I was told on XX/XX/XXXX I would receive the funds to my linked account outside of Capital One on XX/XX/XXXX. This action did NOT take place. I called in again and was told the holidays throws everything off and I would see the funds on XX/XX/XXXX. As of today I still do n't see the funds. I have called all day yesterday and this morning and keep getting the run around. They are telling me I can not talk to anyone live in the case review department that it 's not an option, and I told them this is unacceptable. I ca n't understand how or why I have yet to receive my money. I told them I have been calling almost daily since XX/XX/XXXX and emailing and I understand they get backed up but this is insane. Please help me get my money.
Product: Debt collection

I have been dealing with an identity theft problem for eight years. A loan and mortgage was acquired using by identity XX/XX/XXXX in XXXX XXXX. The owner of the loan is XXXX and the loan serviced by dept collector Seterus Inc . The loan is fraudulent and was acquired by the theft of my identity. I have provided XXXX and Seterus Inc, by registered mail, with all necessary documentation dealing with my identity theft and a stop and desist letter to stop all contact with me as provided by the FDCPA and FFDCPA. The harassing phone calls stopped, they stopped submitting information to the credit reporting agencies and removed my social security number from their records. Unfortunately they have continued to send correspondence dealing with this fraudulent loan to my address in XXXX XXXX in an attempt to pretend that I am the person who is responsible for this loan. XX/XX/XXXX, the property that this fraudulent loan secures, burned and was a total loss. The insurance company that held the hazard insurance paid out {$350000.00} and the payout placed in escrow by Seterus Inc. Seterus Inc has requested that I sign over the insurance payout proceeds so that they can be used to pay off part of the loan. I am not the person who bought this property and will not participate in a fraud by signing over the insurance proceeds that belong to the criminal that stole by identity. XX/XX/XXXX I received a XXXX and a XXXX IRS Forms that they sent to the IRS. The XXXX submitted indicates that I received interest income and the XXXX form indicates an amount paid in property taxes. I have never received any interest payment from Seterus Inc. or have I ever paid for any property taxes on this property. The filing of the XXXX and XXXX forms to the IRS using my name and address in XXXX is a cynical attempt intended to intimidate and harass. I will now have a problem with the IRS and have to spend time and effort to clarify the bogus XXXX, which will cost me money and may require me to pay Federal and State taxes on interest that is not mine and I never received.
Product: Debt collection

I spoke with debt collector after I received two letters certified mail. I also set up arrangements. Then I wake up this morning with the same notice taped to my door with all my personal information on it. Which is unacceptable a consumer private information should never be out in the open. I need to know what to do moving forward this should have never happened.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> I transferred money from my personal account with XXXX  XXXX XXXX into my auto loan with XXXX  XXXX XXXX in the amount of {$2000.00}. My account balance was {$11000.00}. The payment rejected on the following day, XX/XX/year>. I proceeded to try and make the transfer again on XX/XX/year> in the amount of {$2000.00}. My account balance has not changed from the amount stated above. Again the payment was rejected. This caused me to contact XXXX  XXXX XXXX due to the fact that my payment was due on XX/XX/year>. This was my second time trying to contact someone. The lady on the phone told me that my account was in a collection status, which was shocking to me because my payment was due that day. When I told her that my payments were rejecting and I had the funds in my account, she told me to wait a few days. Two to three days to be exact and call back. Because I didnt want to leave anything to chance, I tried to make the payment again on XX/XX/year>. This time the payment was accepted. I didnt think anymore about it. No harm, no foul is what I was thinking. However, that wasnt the case. On XXXX the third, I started receiving alerts on my credit that XXXX  XXXX XXXX had updated my account to 30 days late. This totally took me by surprise because I had been calling them and making payments that werent being accepted. So again, I called XXXX  XXXX XXXX on XX/XX/year> only to be transferred there and four times and being placed on hold for over a hour with no resolution. What they did is against the law. You can not report an account 30 days late when a payment has been made. According to the fair credit reporting act, it is unlawful to report fraudulent information to the credit bureau. I would like this late to be removed from my credit profile immediately.
Product: Credit reporting or other personal consumer reports

MY information is XXXX XXXX XXXX. That is the Only name that should be on my credit report. 
All of the other names are incorrect information The date is XX/XX/year> & also XX/XX/year> The XXXX XXXXXXXX company and Bank of America gave someone hard inquiries that are in my file. My sister opened an account that is similar to my name and now all her information is going to my account. I would like for these to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Calvary Portfolio Services obtain a credit file that has my name on it but the information submitted is that of another XXXX XXXX who was in the XXXX and I was never in the XXXX... some of the dates corresponds with the time I was in the hospital and I recall seeing this about 10+ years ago at which time I disputed it. I tried calling them and the number they provided was a non-working telephone. They tried taking me to court for over {$6300.00} and when I arrived at court XX/XX/23 they never showed up and it was not on the courts calendar yet it has been difficult to have it vacated. I sent a letter to XXXX XXXX XXXX XXXX ( assignment lawyer ) but she has not responded ..they assured me she will. Meanwhile, Calvary Portofolio and XXXX ( this is not the correct spelling it's close but the other name used is located in XXXX XXXX, NJ This is not mine and I would like it removed from my credit file and charges filed against them. I did not have money to take these people to court otherwise I would have.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$950.00}.
Product: Debt collection

After reviewing my credit report I noticed a delinquent account with Foundation Finance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. After calling Foundation and after submitting a fraud report the issue has not been resolved and still being reflected in my credit report. The letter was submitted on XXXX XXXX XXXX. The account ending in XXXX the account ( I believed ) was open my my ex-wife and she use my personnal information, since she has such informaion ( such as SSN, full name, DOB ). I reported such activities as fraud and I have received no resolution from Foundation Finance. I was able to demonstrate that I was in XXXX when the activity took place. i do not live in XXXX XXXX XXXX XXXX XXXX XXXX since XXXX when I moved to a different address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Equifax has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Equifax refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX -XXXX-Balance {$1400.00} XXXX XXXX-XXXX-Balance {$1200.00}
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 protected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply error resolution requirements under the electric fund 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

I recently checked my credit reports and noticed billing errors. You are in serious violation of XXXX XXXX XXXX XXXX XXXX XXXX ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the XXXX XXXX XXXX XXXX ( TILA 15 U.S. Code 1666 ( b ) billing error
Product: Vehicle loan or lease

I purchased a vehicle from XXXX and financed through Bridgecrest in XX/XX/XXXX. The vehicle had to have major engine repairs 6 days after delivery. XXXX refused to accept a return at this time and informed me to make use of the limited warranty. The vehicle was in a repair facility 7 times in XXXX and 6 times in XXXX. The warranty eventually expired and I was forced to pay out of pocket XXXX  of dollars all while paying the car payment. In XXXX of XXXX, the vehicle was again inoperable and I received several estimates on repair. I contacted Bridgecrest several times in XXXX and XX/XX/XXXX to submit a voluntary surrender. I was initially told that I would need to be present at the surrender which I agreed to be- the vehicle was XXXX hours from my home. I called several days after that call to confirm a pick up time and spoke with a different employee who informed me that they are refusing to accept the surrender. This was in XX/XX/XXXX of XXXX and at this time the payments were current. The bank is now reporting late payments but refusing to accept a voluntary surrender.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  {$1000.00} was reported as a fraudulent account. The company has closed the card but still appears on all my reports ( XXXX XXXX XXXX ) the card is still getting charges taking my debt ratio higher then it should be. This fraudulent account has not been handled fully and properly and is causing financial hardship. Under 605b this should have been removed over 30 days ago. 

Also XXXX XXXX  {$430.00} This card has been reported twice for the same amount on XXXX and still appears once on my XXXX Also CONSUMER PORTFOLIO {$16000.00} Under 15USC 1692C ( c ) Law I have made several statements to those that have contacted me by phone and mail regarding this. I need the harassment to stop I will not force ownership to this debt, it has Never been mine. This is still on my XXXX Report Please have the companies complete this process. PLEASE, my finances are troubled because of these and causing mental frustrations as well. Please assist. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I have discovered instances of late payments on XXXX XXXX XXXX for the months of XX/XX/XXXX through XX/XX/XXXX. I want to emphasize that these late payment entries are inaccurate and unjustly affecting my credit score and financial standing.

First and foremost, I believe there has been a violation of the Privacy Act ( 5 U.S.C. 552a ) with respect to my credit report. I was never provided with the option to opt out of the reporting of my personal information to your agency, as required by the Privacy Act. This omission infringes upon my right to be informed and give consent regarding the collection and disclosure of my sensitive financial data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Debt collection

XXXX XXXX and through their agent Collection Technology , Inc. are engaging in predatory collection practices, Unfair Business practices Dealing Ba Faith. 

By internal delaying send proof of settlement agreement in order to place a continued hardship and to protract wage garnishment thereby being unjustly enriched. 


XXXX/XXXX/16 called CTI- XXXX XXXX XXXX Ext. XXXX, to follow up on the copy of the accepted rehabilitation program, with a monthly payment of {$62.00}. Once payment arrangement are in place a formal letter will be generated with the specifics of the details. 
Was told that the case had been reassigned to a XXXX XXXX XXXX ext. XXXX Who then said that they are still waiting for the letter because their proceed is for the client make the agreed upon amount of XXXX dollar after XXXX research it was discovered that the latter was demanding {$120.00} so it was never send. 
I question that since the ordinal approval was for {$62.00} month rehabilitation l payment agreement was approved on XXXX/XXXX/2016. XXXX XXXX request to pay the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX pay in an effort to remove the wage garnish which is placing an extreme hardship and causing an undo prolong of the garnish. 

XXXX XXXX stated that that just the way thing are and offer no farther resolutions, then said that she will call when the letter is ready. 

XXXX/XXXX/16 called CTI- XXXX XXXX XXXX Ext. XXXX, to follow up on the copy of the accepted rehabilitation program, with a monthly payment of {$62.00}. Once payment arrangement are in place a formal letter will be generated with the specifics of the details. XXXX/XXXX/16 received called from CTI- XXXX XXXX XXXX Ext. XXXX, to accept their rehabilitation program, with a monthly payment of {$62.00}. Once payment arrangement are in place a formal letter will be generated with the specifics of the details. 
1 ) After five voluntary payments of {$62.00} plus the in place garnishment will be released, i.e. 1st payment Due XX/XX/2016 then XX/XX/2016 the Garnishment would be lifted. Note the student and pick any payment date for the following {$62.00} payments. 
2 ) Tax flags requested to lift after the first payment, will take several weeks to complete 3 ) 9 of 10 total on time payments are required to full complete the rehabilitation program. 
4 ) Ordered a copy the Rehabilitation Letter for review which emailed to me. 

-- -- -- XXXX XX/XX/XXXX faxed and emailed to CTI Completed : attn. : XXXX XXXX Financial Disclosure for REASONABLE and AFFORDABLE Rehabilitation Payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services also known as CCS is violating the FDCPA laws by incorrectly reporting inaccurate derogatory information to my credit report. The company is reporting I owe them money. Ive never had any business or any accounts w/CCS. I was never notified by mail, or by phone of this debt. I received a collection notification and called CCS. I spoke w/XXXX, who confirmed the address on file was incorrect and not updated. We confirmed that the amounts being reported of {$58.00}. Is not correct. The actual amount they have a request for is XXXX. I informed XXXX that I had no knowledge of the debt and that I can resolve issue w/fair opportunity. I asked XXXX, due to him verifying the wrong address is on his file, the wrong amounts is being reported, and that I had no knowledge and willing to resolve could this derogatory information be removed. XXXX refused and escalated me to XXXX, a XXXX supervisor. 

XXXX, also confirmed the address they had on file was wrong. She confirmed that they tried to call a number on file but was NOT able to reach a person. She confirmed that I had no account or business w/Credit collection services. She said that they were a debt collection agency and that the company I actually owe is XXXX XXXX. She said theyre are 2 collections. One for XXXX and another for {$50.00}. I exclaimed to XXXX, that the information they were reporting was incorrect and that I had no knowledge of any debt or money owed. I advised XXXX of my correct number. I also educated XXXX, that my FDCPA rights were being violated because CCS were violating the FDCPA laws.1. I never received notification of debt which prevented me from being able to have a fair opportunity to pay balance Im presumed to have owed. 2. They are reporting the incorrect amounts that I owe to XXXX. 3. XXXX, told me the only way their willing to update my file and remove this derogatory, inaccurate reporting is that I send in proof of my personal address. Thats a violation of my privacy rights. I have no account w/CCS. 4. CCS is reporting the derogatory information to my credit report 3x in the month of XXXX. She still refused to remove this inaccurate reporting. I also spoke w/a manager by the name of XXXX. She was very rude and condescending. I advised her that I contacted the company I question and that the monies owed have been resolved w/XXXX XXXX. She has still chose to violate FDCPA laws and not remove this derogatory report thats inaccurate and I also was never given knowledge of.