23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collection, I do not have a contract with Hunter Warfield, I sent them a letter of affidavit of demand for verification of the debt and still sending me a letter and report into my Credit report on All 3 credit bureaus without my consent and thats a violation of 18 USC 894. Not only I am stressed and it has been a very emotional time for me as well since can not assist my kids with their schools and sign for an apartment to continue their degrees. Since I can not apply for anything due to that matter, this also needs to be taken care of ASAP. That is a violation of 15 USC Code 1681 ( 7 ) ( E ) They are telling me that they are required to do so, and I know its a VIOLATION, THEY NEED TO GET THAT FIX ASAP. Another violation of 15 USC 6802 I need to know who gave them permission to furnish such a thing on my report? ( privacy=private information VIOLATION OF MY PRIVACY. They damage my reputation with false information. They are also in violation of the Privacy Act of 1974 The Privacy Act of 1974 ( Pub. L. 93579, 88 Stat. 1896, enacted December 31, 1974, 5 U.S.C. 552a ), a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of information from a system of records absent of the written consent of the subject individual unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Additionally, with people granted the right to review what was documented with their name, they are also able to find out if the " records have been disclosed '' and are also given the right to make corrections
Product: Credit reporting

Equifax # XXXX There are a few accounts on my report unverified. I had previously disputed these accounts. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
The following account are not accurate BY FCRA STANDARDS. 
1. XXXX/XXXX XXXX This acc is a duplictate accunt please delete. 
2.XXXX This account has not been verfied please delete. 
3.XXXX This account is a HIPPA act violation I never gave permission or consent to access my medical records please delete. 
4.XXXX This account is a HIPPA act violation I never gave permission or consent to access my medical records please delete. 
I would like to see some type of writing proof of these claims : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ALL COMPANIES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

In XXXX of XXXX, I was approved for a XXXX XXXX XXXX XXXX loan. I was in deferment while I was in school until I XXXX. From XXXX I received calls and emails from XXXX and Navient. In XXXX recognized on my credit report that my loan appeared to be to be transferred to a company named XXXX without my knowledge of any sort. I made payments between XXXX until XXXX XXXX. In XXXX I requested my original contract. I received a XXXX data dump that states it's from XXXX. I did give me my original contract. Navient along with the other companies listed intentionally mislead and deceived me about their payment process, their obligation to honor the previous loan agreement and their compliance to fairly offer programs that helped borrowers in hardship in compliance to the FDIC. In my experience with Navient I've only been provided the opportunity to utilize a forbearance or interest payment only. In XXXX, I paid on my loan during the COVID grace period for the amount that was required so I could pay down my loan on the principal once the grace period was over. I allowed automatic payments due to the " program '' I was in prior to the lockdown to bring me current in my loans. Once payments resumed consecutively, I noticed that my monthly payments were not doing much for my principal and contacted Navient to inquire about my balance in XXXX. I was informed that they the payments they took out did not go towards a full payment to bring my balance down but was put aside to pay past due amounts that accrued during the student loan pause for XXXX and XXXX. I did not agree to those terms and asked for the amount that I've paid towards my loan. The representative could not tell me due to her not having the calculations available. I requested for my payment history to be sent to me and in XXXX of XXXX, I received a payment history along with a partial promissory note. I decided to go back from XXXX to present day to compare discrepancies and I strongly believe Navient/XXXX  are all the same company and have exploited my living conditions and credit score to bind me to a loan that I believe no longer exists. In XXXX, my XXXX became deathly ill from XXXX XXXXXXXX XXXX. He was misdiagnosed by his primary care physician with the XXXX and contained to the XXXX XXXX XXXX XXXX  for 21 days. I also had a XXXX XXXX XXXX daughter at the time and we all lived in the hospital for those 21 days. My son currently suffers from incurable XXXX, XXXX XXXX, and XXXX delays. At the time I was advised from my teachers to resign from school because of how deadly my son 's condition would be. I have expressed, explained and pleaded with Navient to help me with the payments but they always told me there was nothing they could do beside forbearance and interest only.B. I've tried to make as many payments before I became aware of their deceiving and illegal practices. If there is anything extra that is needed from me please notify me so I can provide any extra documents you may need. Thank you XXXX XXXX
Product: Debt collection

Personal Statement FTC Report Number : XXXX There in breach of 15 U.S code 1635, 15 Usc 1692g and 15 us 6802. Im apart of XXXX data breach .. this is my statement of information that these accounts and addresses were done fraudulently. they have been reported without my express written consent. and therefore is identity theft and must be removed. 
These account transactions are not done be me or made by me the consumer and must be removed. i have pervided a police report also. 
Accounts : 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 or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Incorrect DOB : - XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Upon checking my credit reports, I found a large number of inquiries that I did not authorize, nor am I aware of. These inquiries are not associated with any legitimate credit applications or transactions made by me. 

In response, I promptly sent letters to the credit bureaus informing them of the unauthorized inquiries, as well as discrepancies in my name and previous addresses listed on my credit reports. Despite notifying the bureaus and providing the necessary information, 30 days have passed, and they have not removed these unauthorized inquiries or corrected the discrepancies as I requested. 

This situation has caused me significant stress and fear that I may be held financially responsible for these unauthorized inquiries and accounts, which I did not open. I am deeply concerned about the impact this has on my credit report, and I seek immediate resolution to protect my creditworthiness.

The following laws support my claim : Fair Credit Reporting Act ( FCRA ) : The FCRA ( 15 U.S.C. 1681 ) mandates that credit reporting agencies ensure the accuracy, fairness, and privacy of consumer information. Under Section 1681c-2, I have the right to dispute any inaccurate information, including unauthorized inquiries. The failure of the credit bureaus to remove these inquiries after 30 days is a violation of this law.

Identity Theft and Texas Penal Code : According to Texas Penal Code 32.51, identity theft occurs when someone uses another persons identifying information, without consent, to commit fraud. In my case, these unauthorized inquiries suggest potential identity theft, and I have filed an official identity theft report to document the situation.

Federal Identity Theft Laws : Under the Identity Theft and Assumption Deterrence Act of 1998 ( 18 U.S.C. 1028 ), identity theft is a federal offense. I have filed an identity theft report, which I am attaching to this complaint. This report outlines the unauthorized actions and serves as evidence that I am a victim of identity theft, entitled to protection under federal law.

I am requesting that the CFPB assist me in ensuring that these unauthorized inquiries are removed from my credit reports and that the credit bureaus take immediate action to correct the inaccuracies. I fear that if this issue is not addressed, I will be held financially liable for accounts and inquiries I did not authorize, causing irreparable damage to my credit and financial stability.

Enclosed with this complaint is the identity theft report I filed and letters I sent, which outlines the unauthorized activities and provides further documentation of the situation. 

Thank you for your prompt attention to this matter. I look forward to your guidance and assistance in resolving this issue.
Product: Checking or savings account

My PNC account says it will not link my account with the leasing account.
Product: Credit card or prepaid card

Continuous fraudulent interest charges of {$2.00} a month on my synchrony bank care credit account, on going for about a year. I called the bank in late XXXX to early XXXX to report this and they credited me for the fraudulent interest payments and said it would stop. They have continued to charge me fraudulent interest monthly for {$2.00} and I am reporting it to them again today XX/XX/2019.
Product: Debt collection

XX/XX/2017 I spoke with a representative and told them that I have a debt consolidation company handling the matter but they still call 6 times a day regularly before XXXX XXXX and after XXXX XXXX. The company is XXXX XXXX.
Product: Credit card or prepaid card

They closed my card due to inactive with no in-advance warning. And told me all of my cash rewards are forfeited.
Product: Checking or savings account

On XX/XX/XXXX XXXX was taken from my business acct at Truist bank. That bank was alerted from the Receiving bank ( XXXX ) on XX/XX/XXXX that there was possible fraud. I was never alerted and my acct was never frozen. On XX/XX/XXXX, they allowed a second withdrawal to happen via ACH payment in the amount of $ XXXX. I reported the 2 transactions after realizing what was going on a month later. I was never asked to verify the transaction in any form. Keep in mind this is a high volume acct and I do large transactions. Truist is still pending weeks later on whether they will return my money or not. I am now seeing news reports and XXXX '' XXXX of other cases similar to mine since the merge. Truist not taking responsibility and keeping the funds. People on the news and in these XXXX chats are all saying the same story... money just suddenly removed some in real time while on phone with Truist. Most are indicating this may be an inside job. I think so in my case being that they were alerted about the fraud and allowed it to continue. I know of someone else personally that just got their account with Truist wiped out yesterday. I can prove everything Im saying in writing. Pls help! This is not your normal scam. The bank is not practicing guidelines and something is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

DiscoverBank Is reporting account number : XXXX as opened on two different days. The date open reporting to XXXX is XX/XX/2013 and the date opened reporting to XXXX XXXX XXXX This account is inaccurate in its reporting and is in violation of the FCRA. I contacted the company in an attempt to fix the issue but they continue to reply with statements and settlement offers. The statements are not enough to validate the account. They have failed to meet my demands to provide me proof of the original day the account was opened and have neglected my attempts to correct the problem.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/year>, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Checking or savings account

I deposit {$3000.00} to my bank account, and then they closed my account because they were not happy with the transaction, and they didnt give me back my money,
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681c ( a ), I request deletion from my credit report due to inaccurate and inconsistent information. The last payment dates reported are contradictory, making the information unreliable. The payment history is inconsistent in all XXXX reports as well.
Product: Credit reporting or other personal consumer reports

I have sent out an opt notice that I have attached to XXXX XXXX  per 16 CFR 313.7. XXXX XXXX disclosed my personal information to nonaffiliated third parties including XXXX, Equifax, and XXXX. This directly goes against the Privacy Act of 1974. I sent XXXX XXXX  a letter notifying them of this issue on XX/XX/XXXX and I have not received a response or a resolution of this issue.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , inc ) due to inadequate customer service and unfair practices which violate thr Consumer Federal Protection Act ( CFPA ). CashApp failed to take timely and effective measures to prevent and address fraud on thier platform leaving my account vulnerable and unprotected. Furthermore, thier dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ). These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Checking or savings account

My original debit card for this account expired XX/XX/XXXX. I attempted to request a replacement card early ( XX/XX/XXXX ), but was told that I was unable to do so as it was against their policy and I would automatically receive a replacement in XXXX. 

XX/XX/XXXX, no replacement is ever received, and I no longer have access to the fund in my account. 

XX/XX/XXXX I reach out to customer service through their online chat to request a new card, I'm told I would have to call their customer service line ( which I do ), at which time I'm told I will need to change the address on file as the replacement card that was supposedly sent originally was marked as undeliverable, even though it showed as delivered on my account. 

While trying to change the address associated with my account I'm informed that they are unable to ship to a XXXX XXXX XXXX though the address on my account has included a XXXX XXXX XXXX XX/XX/XXXX and I've had no problems receiving unwanted mail from them in the past. So instead the XXXX XXXX XXXX left off my address on the account ( which should be fine as everything sent to my primary address is placed in the XXXX XXXX XXXX ). 

XX/XX/XXXX The new replacement card has shown as delivered for 6 days, however I still have not received it. Attempted calling the customer service line again, but after a few minutes the agent keeps saying they can't understand me/line is breaking up, so I go to the online chat support where I'm told that the card should be delivered XX/XX/XXXX. I then ask why this has become such an issue, as well as why my account shows the card as delivered over a week before it is actually delivered. 

Roughly 30 seconds after asking that question I am forcibly logged out of my account ( which ends the customer support chat session ) and I am currently unable to access my account. As of now, I have no resolution to my issue and have been unable to access the funds in my account since XX/XX/XXXX, and now I have no access to my account at all. Because I have no access to my account, I am unable to provide any screenshots or additional information.
Product: Checking or savings account

On XX/XX/year> I was denied access to my Current Banking account. There were still several thousands of dollars worth of in-bound transactions that I can no longer access. 

I have tried contacting support and tried to get some explanation from a human, but so far I have only received the automated support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries. I have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX  XXXX Loan Amount {$560.00}, XX/XX/2020. # 2. XXXX XXXX Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXX- Loan Amount {$1300.00}, XXXX XXXX. # 4. XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020. # 5. XXXX  XXXX XXXX XXXX -Loan Amount {$0.00} XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have  yet to received anything back from them.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled ONEMAIN Account Number : XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Debt collection

Received an email communication advising that I owed balance of {$7900.00} to TrueAccord. I have no knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in numerous letters to XXXX XXXX in regards to inaccurate information reporting on my Equifax credit. This account has been charged off and a payment hasn't been made since XXXX. Equifax is currently reporting 120 day late every month. This is inaccurate information!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # 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.