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

I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

I have already brought this matter to your attention and I expect a response from the Bank of America by XX/XX/XXXX. One of the problems was that I could get the bank to freeze the XXXX XXXX account, because the branch of Bank of America has an invalid fax # and there was no way to reach anyone at that branch, as it would take at least 90 minutes to get through their phone line. Due to the b ank 's gross negligence, that bank is effective a partner in crime. There are at least a dozen law enforcement and regulatory agencies investigating this and major issue seems to be which ones have jurisdiction and the fact that once a subpoena is issued to see the paper trail in this account, it will be obvious to everyone that the scammers have been doing this since at least XX/XX/XXXX. Moreover, at least one of the scammers returning to this sort of scam as soon as the Department of Justice released him from 30 months in a XXXX XXXX. Had the Bank of America provided even basic cooperation in XXXX, this could have been taken care and perhaps the other victims would not have to go one-by-one to get this fixed and the money returned. There is a 4 year statute of limitations on fraud and I am anxious to take care of this long before the statute tolls. 

It would help if the CFPD would provide an email address, not the no reply variety, so that I would have to open up a new claim, when an update would do.
Product: Money transfer, virtual currency, or money service

XXXX : I was scammed out of a purchase from an individual who wanted me to use XXXX and I have never used the app before. I lost out on {$230.00} and when I went to my bank they could not do anything about it and stated that there was nothing they could do to resolve this.
Product: Credit reporting or other personal consumer reports

I am filling this request several credit inquiries that were unauthorized to be removed from my credit report. They are as follows. 
Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Please note this complaint is about being an investor in Prosper, a peer to peer lender ( similar to  XXXX   XXXX   ), but there  was not an option to select for this.     Between  XXXX  I investe d ~ {$1300 0.00} in various notes and Annualized Returns for the period averaged around 10 % for this period. I recently received an email saying  Prosper  had incorrectly calculated the Annualized Returns, so they now appear to be about one half of what they initially stated, including a negative return in   XXXX  .      Had I known actual returns were less than one half of what was stated, I would have not continued to invest in loans. From speaking with a manager, it sounds that this was unintentional error, but nonetheless my investment decisions wer e based on their information.
Product: Credit reporting or other personal consumer reports

There are XXXX unauthorized credit inquiries that I would like removed from my credit report.
Product: Credit reporting or other personal consumer reports

The following corporation Comenity Bank XXXX  XXXX XXXX and XXXX XXXX is reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. XXXX is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately. 
According to XXXX 's own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. Comenity Bank XXXX XXXX XXXX and XXXX XXXX must remove delete all income ie 1099c from being reported to my credit reports In summary it is abundantly clear to all parties that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as Comenity BanXXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX themselves should not be reporting income. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns Can income be reported on credit report? Income isn't even on your credit reports so it can not be considered in credit scores because credit scores only consider what's on your credit reports, XXXX explains. In fact, no wealth metrics are factored into your credit scores. What information Can not be included in a credit report? For example, a credit provider might ask you for information about your income when you make an application for credit. The credit provider can not give information about your income to a CRB to be included in your consumer credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have violated my consumer rights as stated in 15 u.s.c. 1681 sections a, b, and c. Creditors have no right to false report information to the credit bureaus. Below are accounts that holds false statements. 

XXXXXXXX XXXX  account XXXX stated that my balance is {$370.00} and still reporting account is late payment.This is false information the account is closed and I should not be paying any monthly amount to an account that is closed.also the account is a secured account that is my money that I funded the account withXXXX never gave me an unsecured line. 

XXXXXXXX XXXX  XXXX account XXXX stated I had a balance charge off for $ XXXX never open an account with XXXXXXXX XXXX XXXXXXXX XXXX 

XXXX XXXXXXXX XXXX  account XXXX stated my account is still open and this is false.My account with XXXX is now closedXXXX XXXX should report closed.not open. 

XXXX XXXX XXXX account XXXX stated I had a auto loan balance {$3000.00} when I paid them in full.
Product: Debt collection

Phoenix Financial is reporting a collection account on my reports that I have been disputing for some time now. I sent them a letter requesting validation of debt and it has been over 30 days and they have not responded in any way. Per the consumer laws and rights, if a consumer requests documentation and reaches out to a creditor to dispute an account with a creditor or bureau they must acknowledge and respond to the dispute. Phoenix Financial is in violation of the FDCPA and I am requesting that this account is deleted from my credit reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

i Have already submitted a FTC Identity theft report to experian and XXXX and they have ignored my request to remove accounts and personal information from my credit report that has NEVER belonged to me. Ater submitted all required documets they have ignored my request to remove these accoutns. this is the second time i am submitting a FTC identity theft report with all required documentations and sending it along with this CFPB compliant, This issue is causing me a unfair credit score and i can not even get a job, i have been refused a job because of my credit report and those accounts do NOT even belong to me
Product: Checking or savings account

don't see how my bank could've allowed these people to make so many transactions without alerting me POSSIBLY SUSPECT OWNER OF XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA  Possibly a XXXX man that live in the back of goes by the name meaning Been arrested at XXXX XXXX XXXX XXXX XXXX XXXX California Scheme scammers bank fraud Dummies got XXXX XXXX to delivered to their address From US Bank and bank card information From : XXXX XXXX XXXX Date : Mon, XX/XX/XXXX, XXXX XXXX Subject : FRAUD TRANSACTION OUT MY US BANK ACCOUNT XXXX XXXX DELIVERY TO ADDRESSES To : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX Email : XXXX I XXXX XXXX XXXX do state the below state are true best to my sound mind ability and knowledge. 

I'm a XXXX XXXXXXXX Attorney Assistant. I do want to press charges with the District Attorney I XXXX XXXX born XX/XX/XXXX Social Security number ending in XXXX bank with US Bank. 

I called my bank today. Was informed that transaction were made between XXXX XXXX XXXX  Transaction like XXXX XXXX which would require a address for orders to be delivered. 

This should be a way to locate or get an ideal who been communicating FELONY bank fraud with my account. 

Seem like they were more active on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Stolen over XXXX out of my account. 
Bank informed me to file a police report
Product: Credit card

15 U.S. Code 1691 ( a ) ( 3 ) states that it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter. This means the definitions and rules of construction set forth in this chapter are also applicable for the purposes of any subchapter within. 15 U.S. Code 1602 ( f ) defines the term " credit '' as the RIGHT granted by a creditor to a debtor to defer payment of a debt or to incur debt and defer payment. By denying my application, you have discriminated against my RIGHT of credit and have therefore become in violation of not only the Fair Credit Reporting Act but also the Equal Credit Opportunity act. ECOA makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex or marital status, age ( provided the applicant has the capacity to contract ), because all or part of the applicants income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Creditors must be able to provide applicants against whom adverse action is taken with an accurate statement of reasons. The statement of reasons must be specific and indicate the principal reason ( s ) for the adverse action. A creditor can not justify noncompliance with ECOA and Regulation Bs requirements based on the mere fact that the technology it employs to evaluate applications is too complicated or opaque to understand. Secondly in your denial letter you refer to information received on my credit report also known as a " consumer report. '' 15 U.S. Code 1681a clearly states that the term " consumer report '' does not include ; report containing information solely as to transactions or experiences between the consumer and the person making the report ; any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. Therefore I am also requesting the information you relied on, outside of the scope of what is considered information applicable to a consumer report according to 15 U.S. Code 1681a, to discriminate against me and my right to credit. I have included this information to show that not only have you discriminated against me according to the Fair Credit Reporting Act and Equal Credit Opportunity act, you have done so based on inaccurate information. I am asking that you cease your discrimination practices and extend me a line of credit for your Capital One Spark 1 % Credit Card..
Product: Debt collection

I have been harassed and they have garnished my checks illegally. XXXXXXXX XXXX received a closed account after its statue date when the company wrote this off as a loss. XXXX illegally harrased and pursued me illegally. My credit was significantly affected in thier reporting of this account which was closed and charged off as it was beyond its statue by Best Buy who filed bankruptcy during this period. I have been affected mentally and physically by the actions. I attempted to explain this to these debt collectors but they disregard in even taking more then what was owed on the debt through the garnishment from my employer. Can someone please investigate this. Mt personal information was given to a third and fourth party without my consent. Exposing my personal social security and data to unknown entities which I did not agree to.
Product: Debt collection

COMPLAINT BASIS : I am having severe issues with a Collection Company that has been attempting to collect on a debt that I am NOT LEGALLY RESPONSIBLE for paying.

It may have even already been paid by the Responsible Party involved.

My Name/Credit should NOT be involved regardless.

The Collection Company involved has been repeatedly notified via multiple Credit Reporting Disputes of this situation & refuses to correct it.

Now, on a least one of my Credit Reports they have RETALIATED against me for filing a Fraud Dispute against them, by then literally DUPLICATING a Collection originally posted under a different Collection Company name ( which they may even own ) under their OWN NAME as an Additional Collection Account with literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically changing just the filing date numerals to DEFEAT the Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this duplication attempt. 
This Company believes it can violate Federal and/or State Regulations at will, & attempt to retaliate/ intimidate consumers trying to get them to comply.

Therefore, I am filing a Federal Complaint against the Company involved, to make your Agency aware of their improper, threatening tactics, in order for ALL appropriate corrective actions to be enacted against them, so that ALL consumers are protected from them. I reserve the right to also file State level action/s with the Attorney Generals Office as well. As well as Civil Damages resulting to me from these improper acts.

BACKGROUND : I suffered a XXXX  XXXX  with XXXX XXXX XXXX ( including an XXXX  ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective step, No Warning Signs, & no lighting. 
The RESTAURANT INVOLVED & THEIR INSURANCE COMPANY WERE LEGALLY RESPONSIBLE FOR PAYING ALL MY MEDICAL BILLS from this Incident as part of their Settlement to Avoid Lawsuit. 
ALL the Bills were Submitted to the Restaurant & their Insurer including the Bill/s in question. Bills were clearly paid by the Restaurant & its Insurer. Why these ones were not credited paid and attached to me as Collections at all is clearly due to IMPROPER actions by the Collectors involved. Since I am NOT LEGALLY RESPONSIBLE for any payments. 
DOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX, Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth of the Letter & Facts.
Product: Credit reporting or other personal consumer reports

- I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CPFA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with Federal law and provides consumers with the necessary proof of investigation. 

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

I have send numerous letters to this company and have not received any response yet.
Product: Debt collection

This letter serves as a formal notice of a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e ( 8 ), in connection with your actions related to the alleged debt account in my name. Pursuant to this statute, it is unlawful for a debt collector to communicate or threaten to communicate credit information that is known or should be known to be false, including failing to communicate that a disputed debt is, in fact, disputed. 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the XXXX XXXX ruled that a debt collector violates 1692e ( 8 ) if it fails to inform the credit reporting agencies that a consumer disputes a debt. The court emphasized that failing to report the disputed status of a debt can mislead potential creditors or other third parties, constituting a material misrepresentation. 

Case law has affirmed my right to request a cease of debt collection communication. And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court ruled that the consumer 's request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my right under federal law. 

Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reinforces the consumers rights to privacy and any obligation debt collectors to honor requests for ceasing of contact. Ignoring this cease and desist demand will constitute harassment and violation of the FDCPA. 

In light of this case law and the statutory requirements, I am hereby informing you that I dispute the validity of the alleged debt in question. Any further communication of this debt to third parties, including credit reporting agencies, must reflect its disputed status. 

Additionally, under 15 U.S.C. 1692c ( c ), I demand that you cease and desist from all communication with me regarding this debt, except to notify me of legal proceedings, if any.

Please be advised that failure to comply with this notice will result in further legal action. This could include filing complaints with the Consumer Federal Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies protecting my rights. 

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this in the system demand and will comply with it accordingly.
Product: Debt collection

Reviewing my credit report, I identified several accounts that appear to have been added without my authorization and are inaccurate. Please take steps to block and remove these fraudulent accounts at once.
Product: Debt collection

I have a debt from 2008. Asset acceptance LLC bought it and I never knew this. I received a wage garnishment from my employer in the mail. I have never received anything, no phone call, no letter, nothing from them about this debt. I think I should have received something from them before I was hit with the wage garnishment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Subject : Dispute of Fraudulent Account # XXXX Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the validity of an account that has been reported under my name. The account states that I owe {$1200.00}, which I believe to be fraudulent. I request an immediate investigation into this matter and verification of the account details. 

To assist you in resolving this issue, I have outlined my concerns below : I did not open or authorize the account associated with the alleged debt. I suspect that this account may have been opened fraudulently without my knowledge or consent. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide written proof of the debt, including : - Documentation showing the original creditor. 
- Details of any transactions related to this account. 
- Evidence that I authorized the creation of this account or the transactions. 

Until this matter is resolved, I request that no negative information regarding this account be reported to any credit reporting agency. If the account has already been reported, I demand its immediate removal. 

I have enclosed a copy of my identity verification documents, including [ e.g., a copy of my drivers license and a utility bill ], to assist with your investigation. Please confirm receipt of this dispute letter and provide written acknowledgment. 

If this debt is proven to be invalid, I expect that XXXX XXXX XXXX will promptly correct the record and notify any credit bureaus to which the fraudulent account may have been reported. 

I request that all future communication regarding this matter be conducted in writing and sent to my address listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to resolving this issue amicably and in compliance with federal law. 

Sincerely, XXXX XXXX