23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Zwicker and Associates notified me in the spring of 2022 that they had taken on my account from XXXX XXXX XXXXXXXX XXXX. I been in a year long payment arrangement that I paid diligently on time. Then when the arrangement ended, I had been forced to change to a lesser paying job, then go part time, then not work at all due to health issues surrounding XXXX XXXX and survival of XXXX with complications. I offered Zwicker and Associates a payment plan that was the highest amount I could do without any net income. I faxed this and outlined it to them on three different occasions including yesterday, XX/XX/XXXX, after finding out through the internet and soliciting attorneys that Zwicker had filed suit against me on XX/XX/XXXX in XXXX XXXX court. They have not, to this day, provided any notification of this filing to me. I only learned of it through other attorneys wanting to represent me in this hearing! I contacted XXXX XXXX in the XXXX XXXX for Zwicker via email outlining my request for settlement and notifying him that I had not been notified by them or the court of the lawsuit and had found out by chance. I made a settlement offer. 

This complaint is due to the fact they Zwicker and Associates filed a lawsuit against me to serve judgement for the debt I own to XXXX and did not, to this writing notify me of the suit, therefore, it would have ended in a default judgement because I never knew the suit was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had spoken to Equifax about an account that they are reporting on my credit file and they said they were not changing anything. I have forwarded them information showing the account should be removed as per the company and they still are giving me the running around. The account is XXXX XXXX XXXX and I have included the letter showing it is suppose to be deleted. I really need your help. I do n't know why Equifax continues to not do their investigation.
Product: Payday loan, title loan, or personal loan

XXXX Tower Loan called regarding payment during 10 day grace period. They call several times everyday and leave messages as this seems to be their protocol. I have not missed a payment on the loan. Although, I have been late and have paid the late fee every time. Tower Loans communication tactics are borderline harassment to the consumer and they KNOW IT! My grace period ends XX/XX/2021 as of which the total payment due will be paid. However, the lady clearly said in the recorded message how imperative it was for me to call before XXXX XXXX  on XX/XX/2021 and her direct tone was rude. I did call and asked why the calls during the grace period? She said that is a courtesy and that she can not know in the back of her mind when I am going to pay. 
I said okay I understand it is your protocol. She replied with yes exactly. Again her tone just ridiculous. She also said if I would call back the calls will stop. I said I will when I can. My complaint is these calls are absolutely not necessary and this company holds no integrity! 
Too add, I am not just talking a few calls either! Several!
Product: Credit card

I ensure that I always pay on time, and I'm certain of this fact. What I don't understand is why this company is reporting late payments for certain months. Per USC 1666b, billing errors need to be corrected, or they owe me {$1000.00} for each inaccurately reported account.
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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reorting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 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 a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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

I tried to dispute these items thru Equifax but Equifax would n't allow me too.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I submitted a dispute to a company called XXXX regarding a recent report provided by them to a potential landlord. On XX/XX/XXXX, I sent XXXX an email covering additional issues I had discovered while researching further about what was wrong with the report. I also submitted a complaint with the CFPB about XXXX, TransUnion, and XXXX ( complaint ID : XXXX ). 

Today, XX/XX/XXXX, I received an email claiming the XXXX XXXX XXXX branch of TransUnion had received my dispute, but failed to correct the issue claiming the " information was verified as accurate ''. 

TransUnion, as well as XXXX and XXXX, have a duty under 15 USC 1681s2 ( a ) ( 1 ) ( A ) to provide accurate information and 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. Without firsthand knowledge to confirm that the disputed information is indeed accurate, there is no way they could have verified it.

In accordance with the Fair Credit Reporting Act, TransUnion, through TransUnion XXXX XXXX XXXX, has violated my Federally protected rights to both privacy and confidentiality as enumerated in 15 USC 1681 ( Section 602 of the FCRA ) and The Financial Privacy Act of 1978.

TransUnion has further violated 15 USC 1681 ( a ) ( 2 ) and 1681a ( d ) ( 2 ) ( iii ) by creating, keeping, then furnishing my account and file without my written consent, and restrained trade in violation of 15 USC 1, and 15 USC 2. These actions have also violated 15 USC 1681a ( k ), 15 USC 1602 ( p ), and 18 USC 894.

These violations have directly and repeatedly caused my access to housing to be denied. Considering how badly people need homes and homes need people, this has been deeply damaging to my life, livelihood, safety, and happiness. 

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

The company is reporting a debt that's out statute they are reporting an inaccurate date of last activity and account history. Please make them show proof of what they are reporting to my credit which is causing an undue hardship.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : # XXXX XXXX Account XXXX : # XXXX XXXX Account 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, credit repair services, or other personal consumer reports

Account number # XXXX Dep of Ed/XXXX on XXXX XXXX original balance {$6000.00} Account number # XXXX XXXX XXXX XXXX on XXXX XXXX original balance {$33000.00} Account number # XXXX XXXX XXXX on XXXX XXXX original balance {$550.00} Account number # XXXX XXXX on XXXX XXXX original balance {$1500.00} Account number # XXXX XXXX on XXXX XXXX original balance {$850.00} Account number # XXXX XXXX XXXX XXXX on XXXX XXXX original balance {$410.00} Account number # XXXX Dept of Ed/XXXX on XXXX XXXX original balance {$3100.00} Account number # XXXX XXXX on XXXX XXXX original balance {$880.00} Account number # XXXX XXXX XXXX XXXX XXXX on XXXX XXXX original {$5000.00} I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CONSUMER REPORT IN ADDITION I DID NOT GIVE EXPERIAN PERMISSION TO FURNISH THIS INFORMATION ONTO MY REPORT THIS IS A VIOLATION OF FCRA 1681B WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS
Product: Debt collection

Dear CFPB, I need your help and I am writing to file a formal complaint against I C System Collection Agency regarding their collection practices in relation to my account with them, identified by account number XXXX. It has come to my attention that I C System Collection Agency has been violating my rights as a consumer under various provisions of federal regulations and statutes.

Specifically, I C System Collection Agency is in violation of the following regulations and statutes : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This regulation outlines requirements for debt collectors in providing validation of debts. I C System Collection Agency has failed to provide proper validation of the debts associated with my accounts as required by this regulation. 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation pertains to the provision of written notice by debt collectors. I C System Collection Agency has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation. 

3. **12 CFR 1006.34 ( d ) ** : This regulation addresses the timing of validation of debts. I C System Collection Agency has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation. 

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This statute concerns the rights of consumers in relation to their credit information. I C System Collection Agency 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit. 

I demand that I C System Collection Agency cease all collection activities related to my accounts and delete the reporting of the account to the credit bureaus. Furthermore, if I C System Collection Agency believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against I C System Collection Agency for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have previously submitted a letter to the XXXX XXXX requesting the removal of certain inquiries, inaccurate names and inaccurate addresses from my credit file. Despite this, the inquiries, inaccurate names and inaccurate addresses detailed below persist on my credit report, thereby violating Federal Law. TheTransUnion bureauhas failed to adhere to the stipulations outlined in the Fair Credit Reporting Act, specifically under 15 USC sections 1681i, within the designated time frame. The continued reporting of unconfirmed information is not in compliance with the regulations. I urge XXXX to promptly remove these inquiries entirely from my credit report. 
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 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 Account # XXXX with XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act Account # XXXX with XXXX. XXXX, XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor is some of the personal information correct regarding my addresses and name. Additionally, I did not authorize any of these merchants to run my credit. Please remove them.
Product: Debt collection

Tried disputing in XX/XX/2022, XXXX, and XXXX XXXX every dispute was sent back verified even after request all documentation with my original signature but has yet to receive. This company has double reported for over a year damaging my credit as you can see enclosed Peoples are double reporting the same account with 2 different account numbers saying one is paid in full, and one is charged off. Report dates and open dates as well as amount is in accurate
Product: Checking or savings account

Call from Wells Fargo in XXXX, XXXX by XXXX XXXX saying I may have check whose signature doesn't look right. Since I wasn't sure the call was spam, I called my branch in XXXX to ask if there was a problem with any of my checks. The bank manager said that none of them were flagged. A few days later XXXX XXXX called back on XX/XX/XXXX and then XXXX XXXX took the call to talk directly to her. She then described that a XXXX of my check 's did not match my signature. She told me to immediately get to my nearest branch to file fraud papers. I got to my branch within 20 minutes of the call, filed the papers, and received a copy. A week later we found out the check had cleared our account XXXX XXXX. 
We now were regularly in communication with the Fraud Department of Wells Fargo. We assumed that this fraud dept. contacted previously the police and/or FBI ( which we much later found they did not ). After numerous calls to the Fraud department to determine what they were doing about our case, we were getting very little response. Finally, after complaining to the executive office also, we were told that the fraud department was sending a letter to the bank where the check was cashed. The fraud department would not tell us who that bank was. But we found out on our own that it was XXXX XXXX in XXXX near the other Wells Fargo. We also asked for a copy of the letter sent to XXXX XXXX and, to this day, have not received a copy. 
We have constantly called Wells Fargo, both the Fraud and executive departments, asking for information and follow-up. Not only have we not gotten any information, but we keep on get a new case number, as if we're starting all over again. This is so nobody has to deal with XXXX regularly. 
Since we were getting nowhere, we decided for our own protection, we should try to at least file a police report. We did that in XXXX, XXXX. 
We were able to speak to XXXX XXXX at Wells Fargo again. She told us that she was surprised that the check was cashed because she got a call from XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX asking if the check was OK and that she had told her it wasn't. 
We have been willing to wait out the time for all investigations to happen. The main reason for this complaint is that Wells Fargo just sent us an email on XXXX XXXX at XXXX, after over 2 months ending their responsibility to this fraud. When we called for more information, we were told he didn't have the time because he was too busy. 
If more detail is needed, we can forward much more information, including names of people handling " so-called '' files each time and dates. 
As a point of reference, we'd like to mention that this check was intercepted from the XXXX XXXX XXXX.
Product: Credit card

No warning was received on my 90 day fraud alert. I was only told by XXXX phone rep. today XXXX/XXXX/16 that many different names show up on my Social Security Number ( details not provided ). I provided my proof of my ID : Social Security card with my name and my Social Security Number, California Driver License/ID with old address, XXXX XXXX XXXX bill with my name and current address, SSA Publication showing my SSN card is the legal proof of my SSN number.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. 
**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. 
**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **. 
2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **. 
3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.
Product: Credit reporting or other personal consumer reports

violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account number : # XXXX 15 U.S C 1681 section 602 A. State 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 1681 c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 any consumer reporting agency if the
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$7200.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$3600.00} XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX Balance XXXX {$3100.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX  XX/XX/year>
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 Account Number XXXX, ( FRAUD ) XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX  Account Number XXXX ( fraud ), XXXX  Account Number XXXX, XXXX  Account Number XXXX ( fraud ), XXXX XXXX Account Number XXXX ( fraud ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX  Account Number XXXX, XXXX  Account Number XXXX ( FRAUD ) XXXX XXXX Account Number XXXX, XXXX  Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX Account Number XXXX ( was sold at auction with no balance, company never served me certified mail by law of a sale of vehicle, statue of limitation has exceeded also ), XXXX  Account Number XXXX ( FRAUD ), XXXX XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX  Account Number XXXX ( FRAUD ), 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.