23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Fraudulent collection accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA )
Product: Credit reporting or other personal consumer reports

all three credit bureaus is reporting incorrect information regarding XXXX XXXX XXXX XXXX for a total of {$600.00}. This account is paid in full and it needs to be correct XXXX XXXXXXXX XXXX XXXX for a total of {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Product: Checking or savings account

We were the victims of fraud, as we fell for a fake loan and used XXXX to transfer funds to the scam artist. US Bank has blocked access to our account, and also is trying to collect on the difference, causing us to look elsewhere for a bank. US Bank has never asked for the emails, phone numbers, contact info, etc. and this has ruined our ability to qualify for many financial services. We were also placed in a situation where we were not able to pay our bills as well. I have tried MULTIPLE TIMES to contact the Fraud Investigation Department, but without result. This has been a very stressful and financially horrible experience.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted : XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
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. 

XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX XXXX 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 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 XXXX 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: Debt collection

I did not give these company permission to put anything on my credit report such as inquire and charge off. 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 I would like all negative 's report removes for my privacy.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 


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

In accordance with the Fair Credit Reporting act XXXX XXXXt Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Since in the previous responses ( XXXX ) the company did not provide me with the documents that I requested, please draw your attention to my complaint again. 
There are unknown hard inquiries on my credit reports. I requested for the verification of the inquiries and the method of verification. These inqueries belong to the TELETRACK, XX/XX/2020, XX/XX/2020. For the first time no response came in 15 days. The company did not provide the following proof : Permissible Purpose, My written authorization, Proof that I personally initiated these inquiry.
Product: Credit reporting

i need to see my credit report, again. i noticed two items on report that had incorrect info.1 ) XXXX cell phone bill 2 ) $ XXXX dont remember from who.also i have no bank account & only XXXX old phone number, was listed.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : -- XXXX & XXXX AND XX/XX/2019 FOR 30 DAYS LATE??? -- I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

XXXX XXXX has two open collection accounts on my credit report that is old debt that they continue to resell/renew to maintain open status. Also XXXX XXXX continues to call multiple times per day to my home, my cell ( never provided them the number to any of the following ), my spouse, my in-laws, my parents, my deceased grandfathers home ... multiple people have asked them multiple times to stop calling, but the calls continue. I have blocked multiple numbers but to no avail they just call from another number. They are harassing me and my family over debt that is old.
Product: Credit reporting or other personal consumer reports

FCRA XXXX stipulates the necessity of eliminating any incorrect accounts from my credit report. Could you please review the documents? There are discrepancies noted within the listed accounts regarding their reporting.
Product: Credit card

The contract we signed for timeshare points with XXXX XXXX XXXX  has been cancelled but we are still being charged for this contract with no intention of canceling the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax credit monitoring continously does identity deft and holds my information without my consent. I don't know how to get rid of equifax, can you help me to keep equifax justified? Equifax puts inquiries on my name those I do not have requested, one is about XXXX XXXX in XX/XX/2021, second is XXXX XXXX XX/XX/2021, and the third is XXXX XXXX  XXXX when they convince the costumers in the store right before the interest of baying a product and put the costumers in trouble. equifax credit monitoring must stop identity deft. XXXX 's store must stop offeristic act of applying for credit card on costumers name and denying for unreasonable cause telling that there is an alert but I did not ask to put any alert and I do not see any alert, so how can XXXX XXXX see an alert on my credit? But I do not have any alert on my credit. The other first and second XXXX XXXX and XXXX are not done by me.
Product: Credit reporting or other personal consumer reports

This is my follow-up regarding the unauthorized credit inquiries that still appear on my personal credit report. Despite my previous efforts to contact the companies involved and request the removal of these inquiries from my credit profile, they remain unresolved. I had also asked you to initiate an investigation into the inquiries listed below to determine who authorized them. As your investigation confirmed my allegations, I request that these inquiries be removed immediately : XXXX : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 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 a account Without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report on credit karma on XX/XX/XXXX and I noticed a few inquiries that I do not recall applying for. There are four inquiries that I did not apply for that are showing up on my credit report. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX was reported on my credit report on XX/XX/XXXX and XXXX XXXX XXXX was reported on my credit report on XX/XX/XXXX. XXXX XXXX was reported on XX/XX/XXXX and XXXX XXXX was reported on XX/XX/XXXX.
Product: Mortgage

On XX/XX/2021 I submitted a loss mitigation application. Carrington Mortgage made several requests for documents of which I have complied with all. The final request was on XX/XX/XXXX. On XX/XX/XXXX I recveived correspondence that all required documents had been received and a decision regarding my request would be sent within 30 days. On XX/XX/XXXX, Carrington made three additional requests : That I provide the following : 1. Borrower Proof of Occupancy ( displaying my name and address on a Utility bill/cable bill ) 2. A corrected Profit and Loss Statement to remove tenant income/rent 3. A copy of my lease agreement. 

These documents were sent in response to the request. On XXXX XXXX, I received correspondence from Carrington suggesting that my file was incomplete. I called the Mortgage company to inquire as to what was missing and was advised that the the 3 items above were not submitted. After speaking with the representative, she confirmed that Carrington was in receipt of the requested documents. I requested that I received confirmation reqarding the same and was assured that all the requested documents had been received. On XX/XX/2021, Carrington Mortgage sent correspondence indicating that myt mortgage assistance application had been cancelled because they had not received all the documents to complete my review. I called and disputed this and requested that my application be reopened. I was advised that I could send a request that it be done and resubmitted all my prior documents and emails. In response to my request, Carrington mortgage insists that the documents have not met the minimum requirements for a Loss Mitigation Application and to submit a new application. Carrington Mortgage is engaging in unfair trade business practices by suggesting that the documents are not sufficient when I have complied with every request.
Product: Credit card or prepaid card

XXXX XX/XX/XXXX XXXX i was pre-qualified for a American Express Platinum card. I proceeded to apply as instructed. They ran my credit and it came back as XXXX Fico. Well above the acceptable range. I was given a " well contact you when we have a decision email '' On XX/XX/XXXX i was given a decline on the application. I inquired as to why and the customer service rep said my income was too low as reported by the IRS ... .She said my Income from XXXX was only XXXX ... .When in fact it was XXXX. i pushed back and told her that's incorrect and they must have pulled the wrong year or made a mistake somehow. 

I have attached to this complaint a copy of my XXXX IRS return transcripts as provided to me by the IRS. 

This is very worrying that American Express is practicing such bad and unethical ways.
Product: Credit reporting or other personal consumer reports

Hello. After being contacted by my bank for an attempt to use XXXX payment I immediately notified the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that I had set up a reoccurring payment with. I was charged XXXX insufficient funds fee even though I had the funds but payment was did in error. I corrected error & notified this creditor. I was told that I would get fees reversed & credited & would not be reported to credit report for any late payments that may occur because of this error. When I checked my credit report my score dropped XXXX points for the {$50.00} fees that I incurred for my payment error that was corrected. I have reached out and sent 2 messages asking for grace & mercy since this ach was done in error but still no response even though I have kept my payment history positive.
Product: Payday loan, title loan, or personal loan

World Finance went to selling their Loan account to Debt Collection Agncy XXXX XXXX XXXX Debt Collection Agency on today to collect Loan Debt in the amount of {$2000.00} dollars after my Legal at the XXXX XXXX XXXX sent them notice on XXXX XXXX sent them notice of that i have retained XXXX  XXXX Bankrupcy Legal Counsel regarding their Loan account number XXXX advicing them that my XXXX  XXXX bankrutcy will be filed filed trying to collect their debt after they was notified of my XXXX  XXXX Bankrupcy case from the notice of their Legal representation of my XXXX  XXXX Bankrupcy case to them from this XXXX XXXX  XXXX Bankruptcy Legal Representation Letter notice below attached to this complaint
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Mortgage

I been out of Bankruptcy for a year. My mortgage payments with Rushmore are not getting reporting to the credit bureaus for a year now, how and can this be fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : XXXX - Extras Master Cared - Acct number ending in XXXX CFPB Case XXXX A review of my records shows that the minimum amount due was paid on the billing cycles date. While all payments were received around the same due date, these payments satisfy the minimum amount due. Because the full minimum amount due is accurate, therefore the account should not reflect 30-days past due and report as such to the consumer reporting agencies.
Product: Checking or savings account

On XX/XX/XXXX I got a email my account was restricted from SOFI bank, I called immediately multiple times a day as instructed it says please call immediately to find out more information on your restricted account. 
They told me the only information they had was that my account was restricted the security team and theres nothing they can do. I even offered to speed up the process and provide and information they needed. I got no details on this and no way to have a resolution they are restricting my money and I cant pay my bills, I had to call work and get a new bank set up for my direct deposit. I have a direct deposit that went through the same day I got my account restricted. No one has tried to help or update me and its been a week. I contacted them 6 times in XXXX days and also Monday the XXXX for no updates still.

Sofi is an online bank so I cant reach out to them in person and I have no email or phone number to call for help besides the security team who provides no information. They just tell me I have to wait. I told them Id like to withdraw and cancel my bank with them as i dont trust their services anymore. 

My bank has a savings and checking account
Product: Credit reporting or other personal consumer reports

I have paid the original creditor ( XXXX XXXX apartments, this collection agency continues to report this to the credit bureaus and this is placing false information on my report. I have emailed XXXX copies of the email from XXXXXXXX XXXX XXXX showing that I paid the original creditor. I have never done business with XXXX XXXX nor signed any contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX  collection account of {$660.00} is showing Open and this should be reported as Closed since it is a collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out certified over 60 days ago and more than once. I didnt get notified of my results from the disputes and as a consumer i feel like these clowns taking advantage of normal people.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received an email from someone who identified themselves as XXXX customer service claiming that there was an unauthorized transaction on my account. I called the number and they confirmed that they were XXXX and used a 3rd party server to access my bank accounts in order to " reverse this transaction ''. 

They had me transfer money via Zelle and XXXX. The amount with Zelle was {$990.00} and also {$10.00}. The amount with XXXX was {$590.00}. 

I immediately notified my bank XXXX XXXX and they attempted to get this money back but it has been refused. 

This clearly falls under the new guidelines under the Electronic Fund Transfer Act Imposter Scam.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App black ink due to inadequate customer service and unfair practices, which violate the consumers financial protection act CFPA specifically Cash App failed to take time and effective measures to prevent an 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 requirement under the electronic fund transfer act and regulations E EFTA. These actions have caused significant inconvenience in financial loss and I seek appropriate redress for these violations.