23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Spoke with XXXX XXXX from location services this morning at XXXX XXXX  and confirmed identity. XXXX proceeded to phone my mother and call and leave a message for my brother after the phone call to me. Both reference legal proceedings and XXXX county courthouse. My mother and brother contacted me worried about what is going on. After calling the court house and checking the dockets there is nothing with the court and the sheriff perfects service. I spoke with XXXX at XXXX, the company phone number the provided me with, and told them three times to stop contacting my family. XXXX  refuses to acknowledge this is on behalf of them. I dont know what more to do. They need to leave my family out of this and stop lying about court proceedings and documents that were filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$9000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX Balance : {$0.00}.
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. 

XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX, personal XX/XX/XXXX has violated my rights XXXX XXXXs and XXXX XXXX  XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX ( Reseller ) XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX has violated my rights. 
XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

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

15 USC 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Debt collection

I don't owe anything to CREDIT COLL with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary corrections or just remove the account automatically. 

CREDIT COLL ( Original Creditor : XXXX ) XXXX Balance : {$60.00}
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. XXXXXXXX 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 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 or other personal consumer reports

Subject : Dispute Regarding Failure to Remove Inaccurate Account Information in Violation of 15 U.S. Code 1681i ( 5 ) Dear Sir/Madam, I am writing to address the recent reinvestigation conducted by your agency regarding the inaccurate account information on my credit report that was not removed, despite clear evidence of its inaccuracies. This failure to delete the disputed account is a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act. 
Account Information : XXXX XXXX XXXX  Creditor Name : EQUIFAX, XXXX, XXXX Account Number : XXXX Date : XX/XX/2023 Amount : XXXX I have previously submitted a dispute to your agency, providing documentation supporting the inaccuracies in the above-referenced account and requesting its removal from my credit report. Despite your reinvestigation, the inaccurate account remains on my credit report, which is a direct violation of the Fair Credit Reporting Act. 
As per 15 U.S. Code 1681i ( 5 ), if the reinvestigation does not resolve the dispute, the credit bureau must delete the disputed information within five business days of completing the reinvestigation. The failure to adhere to this provision is unacceptable and has caused me financial harm and distress.

I am requesting an immediate correction to this violation, and that the inaccurate account information be promptly removed from my credit report in compliance with the law. Please provide me with written confirmation of the deletion of the disputed account and actions taken to rectify this violation.

I expect a prompt response within the required timeframe as mandated by law. Failure to comply with the Fair Credit Reporting Act may result in further action being taken.

Thank you for your attention to this matter. I look forward to a timely resolution and the removal of the inaccurate account information from my credit report.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Assistant Director of EnforcementConsumer Financial Protection Bureau1700 G. Street NWWashington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Checking or savings account

I booked a stay at XXXX XXXX XXXX, XX/XX/2023 for one night stay, XX/XX/2023 to XX/XX/2023 with paw passes included. I paid my initial deposit {$230.00}. I did not receive a bill as to what the deposit was going towards. My reservation information did not show all of the things I was going to pay for and initially pay for. I canceled the day before the wake up breakfast and was provided a new statement reflecting the remaining deposit I would owe of {$160.00}. I utilize a kiosk that they encourage you to utilize, the transaction goes through, I was informed that I would get a {$100.00} hold and than a {$5.00} XXXX but I declined my card to be on file. On XX/XX/2023, I noticed on my bank account, XXXX charges that I did not authorize, a charge of {$260.00} and a charge of {$190.00}. I was comped the room and received a new bill that I would only owe {$59.00}. I also had to complain about the three times I was charge taxes. They did adjust that on the bill. I made this complaint verbally and spoke with the manager I was interacting prior, XXXX for other issues that resulted in my room being discounted. He mentioned that they do not know why the system does this and are unware it is a problem. I mentioned that XXXX XXXX needs to do something about it. I am looking for all of this money to be refunded from the deposit to all the fraudulent charges. I spent money on goods that I was not able to enjoy or utilize due to the over crowded and unsafe conditions. They are falsely advertising this place. I made a complaint to the XXXX  and the PA XXXX attorney general. I made a complaint to guest relations through email, verbally, and their willow app and I have yet to see this corrected or receive a response. I would like a full refund for everything I purchased as compensation and apology of this experience. Thank you
Product: Debt collection

Enhanced Recovery Corp  is the agency representing  XXXX  who is the original creditor for this account collected against me for the amount of {$1500.00}. I found out that they reported it again by  XXXX ,    2016.  I have sent letters and complaints about this account ; I have being asking for  XXXX  to open an investigation since the time the transaction was done to find out who steal my identity, also how and where they did it?, I am trying since yeas ago without any success. In fact, they refused to open an investigation and still forcing me to pay for  XXXX  devices I never purchased in firs place. I am statementing that I have being a victim of Identity Theft and harassment from  XXXX  and  XXXX  collection agencies related. I need help, please. This is illegal and unfair.
Product: Credit card

Citi Bank offered me a XXXX XXXX XXXX for purchases and balance transfers, along as XXXX dollars cash back after I spent XXXX on card which I never got. I called was hanged up on the phone XXXX  times. I got card in XXXX, and noticed last month I was getting charge interest. 
I would appricate any assistance. This is false advertisment.
Product: Student loan

I have an complaint against my loan servicer Aidvantage where they miscalculated my debts.I checked my Aidvantage account where my balance was $ XXXXwith two loans are {$30000.00} and {$17000.00}. XX/XX/XXXX my debt increased to {$52000.00} with two {$32000.00} and {$20.00}, XXXX. The interest rate been 0 % since XX/XX/XXXX. 
How did my balance increased that high without any notice? I contacted Aidvantage several times. My debts ( payments ) were in good standing where my payments will be adjusted next month. I am sending payments from XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX. 
*I tried to upload most as I can.
Product: Credit reporting or other personal consumer reports

Billing Error! My XXXX XXXX XXXX was set on auto payments each month. My bank account due to multiple transactions of the same transaction flagged the transaction and did not process payment completely. It will show as pending and then dropped when completed. I did not know what was going on. I was under the assumption payments were being taking care of. I only knew of late payment when got in touch with XXXX XXXX. We tried making payments which will go thru but will eventually drop again this will take several months to track down on cause. Bank had a cancel payment on XXXX XXXX. I disputed error on late payments with credit bureau and credit card company to fix my late payments. Ive since been paid off and closed but late payments have been stuck on my credit report. I would appreciate a response in fixing my credit report payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a creditor named XXXX that I had a vehicle with over 7 years ago. I have disputed the accuracy of last payment date which is inaccurate, and is severely hurting my credit score. The account still shows on Equifax and refuses to be removed even after the 7 year statue. Equifax is not helping to actually investigate this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY IDENTITY AND APPLIED FOR THESE ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

I was trading on the Coinbase platform up until XX/XX/XXXX when I was locked out of my account. I have been restricted access to my funds since XX/XX/2017. I have called and emailed the company countless times with no resolution. I am still currently locked out of my account nearly 3 months later, and all they can say is " a specialist has to take care of that. '' They will give me no time frame and no more information than that I just have to wait. This is criminal. This is my money they are withholding from me. Please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

All accounts must be verifiable that are on your credit report. I have reached out to XXXX on multiple occasions to get information on a Bankruptcy that XXXX, Experian and XXXX  are reporting on my credit report which is completely inaccurate. 

XX/XX/XXXX and on XX/XX/XXXX I got a letter from XXXX stating they are unable to find a file that matches my information. So why is this Bankruptcy still on my credit report? How is XXXX, Experian and XXXX  verifying this information? 

On XX/XX/XXXX I again asked for a file from XXXX and still have gotten no response. Along with a letter that was sent to them on XX/XX/XXXX. 

Per the FCRA resellers reporting information must provide the information and the source of the information within 5 days of getting the dispute and provide all information within 20 days. 

As well as the Credit reporting companies are required to send notice to XXXX where they will be required to notify me and add the notice of dispute. 

My assumption is that the Credit Reporting agencies have not sent a notice of dispute to even begin the investigation. 

All attachments of the letters responses will be attached in this complaint along with a copy of my Drivers License and W2 form that provides all the verifying information needed XXXX  results were incomplete and missing on XX/XX/XXXX XXXX  results shows the date it was updated was XX/XX/XXXX so how was this account ever reinvestigated with a date of updated in XXXX Experian results just show it remains and is updated but the last update was on XX/XX/XXXX so how was this investigated and updated in XXXX. If XXXX Certified this information is correct then where is the copy to be sent to me?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccuracies on my credit report and to bring to your attention the violations of my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Despite submitting disputes to the three major credit bureaus ( Equifax, XXXX, and XXXX ) on XX/XX/XXXX, I have not received any responses. My name is incorrect and I believe someone may have tried to open accounts in my name. I have never went by the last name XXXX. 

In accordance with the Fair Credit Reporting Act ( FCRA ), the following accounts have reported inaccurate information, thereby violating 15 U.S.C. 1681s-2 ( a ) ( 1 ), which states that 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 : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX XXXX XXXX Account/SSN XXXX XXXX These inaccurate accounts have significantly impacted my credit report, and I have not been afforded the resolution required by law. The lack of response from the credit bureaus further aggravates this violation.

I am requesting the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that these inaccuracies are corrected or removed from my credit report in compliance with the Fair Credit Reporting Act.

Thank you for your attention to this urgent matter. I look forward to your prompt resolution of these violations.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against CashApp ( 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 the Electronic 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: Checking or savings account

I was a member of navy federal from XX/XX/XXXXuntil XXXX deposited a check pf about XXXX from an employer for some landscape. On m end the check cleared and I was able to use above mentioned funds. To my dismay received a notification that the check had bounced. I also was charged with a Cash net loan that for over XXXX dollars that I never received, but Navy federal said it was acquired online. I have a settlement with bureau from a high security leak in XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have numerous accounts that I have no involvement in opening showing up everywhere. I have had my taxes stolen and a XXXX XXXX account made in my identity. My information is somewhere floating around accessing lines of credit that I have worked hard to build. The security breach I was apart states that even after the lock on my credit was removed it would be monitored, flagged, and cleared upon any breaches. I filed disputes with navy federal immediately upon notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX Account : AMSHER COLLECTION SE, 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: Debt collection

I certify that i am permitted by federal and state law to file this dispute. I also understand that knowing and will misstatements or omissions of material facts constitute a federal criminal violation punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company without my authorizations used my personal identifying information to apply for good services, or money, and was successful in creating some accounts all is being investigated by the XXXX.
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 Bure are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}
Product: Student loan

This loan should be protected by the The Cares Act. They reported my student loans as late during the pandemic.
Product: Credit card or prepaid card

Care Credit will not honor a {$3000.00} promotional XXXX XXXX XXXX I was promised. I used it at the hospital for my son and was told it was XXXX. However Care Credit is now saying they swiped it as a XXXX. I could have used any other of my cards for a promo, but this is my HEALTH CREDIT CARD that we have used for over $ XXXX in the past. They are a predatory lender and use misleading information at the hospital and doctors offices. They misappropriate payments when you are on promotional balances. They are bullies and their representatives do not care about their customers
Product: Money transfer, virtual currency, or money service

a XXXX transaction wells had me to make along with a wells to XXXX  transacton that did not go through they have me losing {$1000.00} because they had me to do a transaction to my sons account when 2 wells banks refused my service becasue of my XXXX, they will say they dont believe in that but the way i was humiliated the cameras dont lie neither transaction went through i had to cancel the XXXX  transaction in order to recover those funds and they went the 7 day process to deny the XXXX  claim also denying the fact that i had fraud on my account the day XXXX  fraud transaction kept me from receiveing my funds i am owed XXXX from wells fargo... THEY WOULD NOT GIVE ME BANKCARD FOR THE LAST 2 MONTHS I HAD ACCOUNT AND THEY MADE A QUICK DECISON ON XX/XX/XXXX TO CLOSE MY ACCOUNT OWING ME THIS AMOUNT OF MONEY..WHICH IS NOT RIGHT... .IF I OWED THEM THEY WOULD HAVE ME IN EVERY CREDIT SITE YET I DONT HAVE THE RESOURCES THEY HAVE AND THEY HAVE TAKEN MY XXXX FROM A FRAUD TRANSACTION THEY CREDITED EVERYTHING ELSE ON MY ACCOUNT ON THAT DATE XXXX TRANSACTION AND A XXXX TRANSACTION BUT REFUSED TO CREDIT THE {$320.00} FROM XX/XX/XXXX AND A XXXX XXXX TRANSACTION FROM THE BEGINNING OF XXXX
Product: Debt collection

Received a letter stating that I owe for an XXXX XXXX XXXX bill which I have never used. When I called it was a virtual assistant.
Product: Debt collection

I reached out to National Credit Systems for debt for XXXX on my credit report also for XXXX I reached out to creditor and they have incorrect DOB AND ADDRESS, also wrong XXXX XXXX XX/XX/2016 I was a victim of ID theft. Police report # XXXX. There is several accounts opened opened fraudulently. Also for XXXX XXXX XXXX opened on XXXX. Also there is an account for XXXX XXXX INERNATIONAL {$6200.00}, AND LASTLY THERE IS AN AUTO LOAN WITH XXXX  XXXX BANK FOR XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEP ED,  XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX