23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery has sent a copy of an itemized bill and not a signed agreement from the credit card company. This is a stall tactic nor will i pay for this fraudulent account without proof of validation. Portfolio Recovery refuse to show anything that has my signature because this debt collector is in violation of the FDCPA. I'll say it again Validation of a Debt Request Pursuant to 15 USC 1692 gb, Cease and Desist Pursuant 15 USC 1692 ( C ) ( c ) remove this fraudulent placement or show proof of validation that I own this debt! I DON'T WANT A ITEMIZE BILL OF FRAUDULENT SPENDING. YOU CAN'T BE SERIOUS WITH THIS BILL AND ASSUME I AGREE WITH THIS FRAUDULENT ACCOUNT. YOU ARE ILLEGALLY CLAIMING THIS ACCOUNT TO BE ACCURATE! PROVIDE ME WITH PROOF OF THIS INVESTIGATION? AS A CONSUMER PROTECTED UNDER THE FDCPA AND FCRA I HAVE RIGHTS TO SEE YOUR FINDINGS.A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
You Portfolio Recovery have no right under the law to send me any type of communication whatsoever. Cease and Desist all communication immediately. 
Further More You Portfolio Recovery Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that you are implementing yourself.

Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) NOW! WE CAN KEEP GOING BACK AND FORTH BUT I PROMISE YOU THAT YOU WILL LOSE IN A LEGAL ACTION DUE TO THE FACT YOUR NOT LICENSED IN MY STATE AND I MADE A COMPLAINT WITH THE FTC AS STOLEN IDENTITY AND YOU ARE INSISTING YOUR INVESTIGATION IS VALID WITH NO PROOF! REMOVE ALL FRAUDULENT REPORTING FROM ALL THREE BUREAUS! IF YOU FAIL TO DO SO I WILL TAKE LEGAL ACTIONS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my report and I'm unfamiliar with these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a Jumbo Loan in the amount of {>= $1,000,000} for ( 5 ) years and Interest Only with Bank of America. I paid a deposit to  start the process and I have solid credit, solid income and assets over {>= $1,000,000} with Bank of America. The process was terrible, unprofessional and they asked me for the same information which I submitted in a timely manner on multiple occasions and they never delivered on what they promised me. I wanted ( 5 ) years Interest Only and they told me it would be no problem initially and then their terms and conditions changed like a bait and switch. At the end of the process, they told me they would only approve me for ( 7 ) years Interest Only. I never mentioned that I would accept a fully  amortized loan and the loan officer XXXXXXXX XXXX  never mentioned I was approved for a fully amortized loan and not an Interest Only Loan. I closed escrow believing I was getting a 7 years Interest Only Loan and received a 7 years Fully Amortized Loan. Bank of America needs to either change their underwriting guidelines or not be in the business of lending money to consumers of mortgages. They have many complaints against them for Fair Lending Violations and I believe this was a violation of National Fair Lending Standards. I believe they gave me a bad loan because I never asked for a fully amortized loan and now I have one. I asked them to change it because of their own mistake which they admitted verbally and they would not fix the loan. The Bank in my opinion did not treat me professionally and are in violation of Fair Lending Guidelines and I demand their underwriting guidelines be investigated and they be fined or remedy my loan and give me what I had requested. That being said, now I am applying for another loan with another lender that can be trusted.
Product: Credit reporting or other personal consumer reports

all chgs offs are no longer valid by statue of limitations
Product: Credit reporting or other personal consumer reports

My credit report shows unauthorized hard inquiries that breach 15 USC 1681c-2. I ask that you promptly remove these inaccuracies to restore my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get my file clear of this fraud that has been lingering for too long. 
Recently : There has been someone who use my identity to fraudulently apply for apartments ive noticed and the three credit bureaus should have seen that i live in an entirely different state. 

The followng accounts are all fraud and need to be investigated and removed. 

XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX 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 XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Bank account or service

Took my XXXX old Mother, who lives in a XXXX to Apple Bank, ( with great difficulty ) on XXXX. in XXXX to put my name on her account since I have a POA, and she is no long capable of transacting business. The VP of the Branch refused to put me on her account, lied to us and claimed some technicality ( which turned out to be false ) as to why she could not put me on the account. Now I can not transact her business, since I live in another state and will not be able to return to remedy this for a few months. 
Then I went to another of her banks ( her account of which I am also on ) and she signed a check to transfer money from her account at Apple. I find out when I return home that Apple refused the check and that I now have a fee, as a result. 
It is difficult to pay her XXXX, due to my inability to access her account. Apple Bank also refused my POA and the same VP said her account statements were going to an address in another state that she had not lived at ( for the past 15-20 years )! These people are not only corrupt, but incompetent as well. I am consulting my attorney and am planning to file a formal complaint with the Banking Commission.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violates the customer 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 regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I am filing a complaint against XXXX, XXXX and XXXX for failing to properly investigate my disputes! regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i. 
which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Citi Cards Costco deducted my credit score substantially due to a payment that I was not notified about. It was taken off of my credit report but then they added it back. I have filed a complaint numerous times with all XXXX credit bureaus and this continues to not be fixed and remains on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recently, I did an investigation on my credit report which caused me serve XXXX because I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

I checked the Equifax data breach website and seen that my personal information was impacted by the breach I have attached a screenshot of that confirmation document. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed. 

According to 15 USC 1681, I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX 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

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This ma
y include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

XXXX XXXX XXXX keeps calling me for a debt I do not owe them.
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 : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : NCB Account XXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

I have a joint checking account with someone else at Santander Bank. The other person on the account deposited what looked to be a " cashiers check '' for XXXX from XXXX XXXX. Once the check cleared my friend was instructed to wire money from XXXX to XXXX XXXX and keep the rest for secret shopping on XXXX. Within in a few days of the deposit and withdrawal the bank deemed the cashiers check fraudulent and the account is now negative. We have been told by the Fraud department that we are responsible to pay this back and are currently in collections with the bank. I spoke with their collections area and we have 55 days to get this paid back or the account will be closed and notice will go to XXXX XXXX and then to a 3rd party collection agency. By depositing this bogus check has not only created a very big minus balance but has credit reporting ramifications and not being able to open any new accounts if not paid off.
Product: Vehicle loan or lease

I have a car loan that had a 6 year term and an interest rate over 22 %. The loan 's maturity date was XX/XX/2023. I have been paying my normal monthly payment by the due date, but most recently XXXX XXXX has stopped taking my payments and said that they will no longer accept " partial '' payments, and want me to pay the remaining balance within 27 days or they are going to default me on the loan. There is approx {$2500.00} left on the loan. In addition, it seems like based on the statements and payments made, it seems like I may have overpaid on the loan.
Product: Debt collection

I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputed that Equifax is reporting inquiries that is over 2 years old which should have been deleted ( XXXX ) they responded that they need proof of my identification which I am now uploading.XXXX
Product: Debt collection

Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2024 Status Collection account. {$340.00} past due as of XXXX XXXX. 
Status Updated XX/XX/2024 Balance {$340.00} Balance Updated XX/XX/2024 Recent Payment - Monthly Payment - Original Balance {$290.00} Highest Balance - Terms XXXX  Months On Record Until XXXX XXXX
Product: Credit card

Dear, Wells Fargo, I am writing to dispute inaccurate information being reported on my credit file. 
The account in question is : Creditor Name : Wells Fargo Card Services Account Number : [ Account Number ending in XXXX Reported Issue : Improper Repeated Charge-Off Reporting This account was charged off in XXXX of XXXX. A charge-off is a one-time event and should not be updated or reported as a new charge-off each month. This account has been reported as a charge-off from XX/XX/XXXX through XX/XX/XXXX. Continuing to report a recurring charge-off inaccurately portrays my payment history and misleads future creditors. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), information furnishers must provide information that is accurate and complete. Repeatedly reporting a charge-off as a new event violates this provision of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX date ; XX/XX/year> Equifax, has once again violated my rights I am requesting these closed accounts to be removed Account name : XXXX XXXX XXXX XXXX date open XXXX account number XXXX, XXXX XXXX XXXX XXXX date opened XXXX account # XXXX, XXXX XXXX XXXX XXXX opened XXXX account number XXXX, XXXX XXXX XXXX XXXX opened XXXX XXXX # XXXX, and XXXX # XXXX, These accounts are also showing late payments which are actually illegal i don't understand why you were reporting these late payments they have not contacted me back when I wrote you guys in a letter explain them to you that I was never late on any payments.. and have made a previous CFPB complaint to where you asked me to submit my social number.. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b XXXX fix an update your systems to reflect 100 % accurate information, which you are currently not doing. You have failed to fix a situation and neglect will be noted as exhibit in court. And I will be seeking professional representation of the small claims court if the matter is not solved today. For this is hindering me and I am seeking monetary relief
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. This account is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX )
Product: Debt collection

On the following dates, I have received automated phone calls from XXXX to my cell phone : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Researching this number in XXXX  identifies the caller as State Collection Service , Inc . In one instance, an automated message was left on my voicemail. I have never given State Collection Agency permission to contact me at this number.
Product: Debt collection

This is XXXX XXXX submitting this CFPB complaint to you today to inform you that I was a victim of identity theft and the Account you are reporting on my Credit File was the result of such crime. Under the Fair Credit Reporting Act, I have the rights to dispute any accounts and information that resulted du to identity theft and have them removed completely from my Credit File. Under the provisions of the Fair Credit Reporting Act section 605b, I am requesting that you stop your erroneous reporting and have the account : CAP ONE AUTO XXXX Balance : {$10000.00} ; removed from my Credit file as soon as possible. The Account I am disputing does not relate to any transactions that I have made or authorized.
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.TransUnion 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 XXXXXXXX Balance : {$54000.00}