23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received communication from XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and XXXX XXXX, XXXX as responses for my disputes of the debt. Prior to this I had never received communication of my right to dispute, nor was I notified of an initial claim of debt into collections. 

They have provided details of debt in which they claim I owe, however for account number XXXX, it is past the statute of limitation for the state of Florida and they are still attempting to solicit payment from me. Proof of this statement is at the bottom of their validation of debt with the statement, " This is an attempt to collect a debt and any information obtained will be used for that purpose. '' This is a clear violation of my rights as a resident of Florida and I am reporting them as I feel this is against the law.
Product: Credit reporting or other personal consumer reports

While reviewing my Experian credit report I noticed several hard and soft inquiries that I did not make and would like them removed from my credit report. Their instructions for having them removed involves a formal FTC fraud complaint which I can not make because no account was actually opened only the inquiries made for the attempts so I can not send them what is being requested. 

I need help getting these inquiries removed.
Product: Credit reporting or other personal consumer reports

I've recently reviewed my consumer report and noticed that there are negative accounts reporting on my consumer report that are INACCURATE and were open with an address I HAVE NEVER LIVED. ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted XXXX and Transunion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX {$22000.00}
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Credit reporting or other personal consumer reports

I had an account with Self Lender and during the pandemic during this turbulent I fell behind on my payments do to lost of my employment. I have always made on time payments and called Self lender to see if they could work with me during this hard time in our economy. When speaking with the representative I was told that there wasn't anything that they could do even though we were facing a terrible time as a whole in the economy. As a consumer I would think that the company would be more compassionate during these hard times all I was asking is to have the two payments reversed to show positive payment history since I did make the payments and always held good payment history and never late since this was during the pandemic and at that time company 's was under a order to assist their customers that was under a financial strain and this option was not provided by Self Lender. These marks on my consumer report is effecting me from getting a home which is apart of my mode of living and credit worthiness. Please do an investigation on these payments and promptly have them reverse to show in good standing on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted a dispute to all 3 credit bureaus XXXX, XXXX, Experian in regards to some inaccurate information being reported. They never launched an investigation into the matter. I never received any documentation confirming the results nor any proof to validate that these negative items belong to me. I have no knowledge of this accounts and have not signed any agreements in regards to these accounts. 
XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Product: Debt collection

Frontline Asset Strategies is trying to collect a debt in the amount of {$1000.00} from me from XXXX XXXX. I received this letter today. I don't know what this is for, I was never contacted about this before, I never owed anything, never had a judgment. I can only assume this is identity theft.
Product: Debt collection

This Collection agency ( Transworld Systems Inc/TSI ) is relentless and very unethical. TSI provided a very old ( " 2005 '' ) copy of a loan that was signed and date before I filed Bankruptcy and they are relying on a paragraph ( Section 12 ) of the old document instead of adhering to the Court Ordered/Discharged Bankruptcy document that was provided to them. The old 2005 Loan agreement is MOOT after it has been included in the Bankruptcy and discharged.

As stated to Ms. XXXX XXXX of TSI " If a consumer can prove hardship while filing Bankruptcy ; Private Loans that are included in the Bankruptcy can be discharged and XXXX XXXX XXXX ( XXXX ) /XXXX XXXX XXXX ( XXXX ) were both included in the Bankruptcy and Discharged one of the loans were even a " ChargeOff ''.

However, they have an Attorney by the name of Mr. XXXX XXXX who is a " Personal Injury '' Attorney handling the XXXX XXXX XXXX ( XXXX ) loans.

Because of the very shady business practices of TSI  and constant violation ( s ) of the Federal Consumer Laws and the Bankruptcy Federal Court order, this agency, investor of the loan ( s ), etc. needs to be investigated, that is obviously audit, and sued. I do believe that I am not the only consumer that is being bullied by their antics.
Product: Credit reporting or other personal consumer reports

I have been going back-and-forth with Transunion for months because Ive been suffering because of the inaccuracy though wrong for accounts that are listed on my credit report I filed complaints directly with them. I have called them. I have mailed them IDs Social Security proof of address I dont know what else you could ask from me but, I even had to go to the point of actually writing out the letters printing out copies of my ID credit report police report sent it to them be a verified mail which I have proof of which I will upload in this company and they continue to break the law I continue to CFPB and you do nothing about it also so Im gon na do this one more time and hopefully you guys get your ducks in a row. If not, I will be approaching an attorney and I will sue both Transunion and the CFPB for fully reporting and allowing a consumer agency to report in accurate information on my credit report which has been damaging me. The following accounts need to be removed from my credit report because they are inaccurate not mine under. I dont know whose name and unverifiable I am requesting proof how do you verify and I did nothing these are the following accounts that are in accurate and I need them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am do not have the account numbers but its clear we all know what counts I am talking about so I demand that this gets rightfully fixed these accounts get removed or Im getting a lawyer
Product: Checking or savings account

On XX/XX/2023 I tried to close my Morgan Stanley bank accounts, but the online account closure form provided is broken and does not allow me to proceed. Please close accounts XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TRANSUNION credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the LISTED erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

Company provided false information to my credit report. I have been a victim of identity theft and request account be removed from credit report per 15 U.S.C 6802 of the Fair Debt Collection Act ( FDCPA ) and FCRA laws.
Product: Credit reporting or other personal consumer reports

Halsted Financial Services , LLC XXXX XXXX XXXX, XXXX, IL XXXX OR XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Re : Request for Purchase Agreements- Account Number : XXXX. 
Account XXXX. XXXX Dear Halsted, Financial Services XXXX XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to request copies of any purchase agreements related to my account with account number XXXX. 
Account XXXX. XXXX. 

I am seeking transparency and clarity regarding the terms and conditions associated with any purchase agreements entered concerning this account. 
Details of the Request : Account Number : XXXX. 
Account XXXX : XXXX. XXXX Purchase Agreements : Please provide copies of any purchase agreements associated with the specified account. 

I am making this request in accordance with my rights as a consumer and to ensure a clear understanding of the terms under which any purchases related to this account were made. Your prompt attention to this matter and timely provision of the requested information would be greatly appreciated. 

If there are any fees associated with obtaining these documents, please inform me in advance. I look forward to receiving the requested information within 30 days of the date of this letter, as stipulated by applicable consumer protection laws. 

Thank you for your cooperation and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX and my second letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX Account Number XXXX This account continues to be verified as accurate which is false and still has a number of inaccurate information being reported. Ive asked for these accounts to be removed from my reports, Ive sent numerous letters asking for proof and I havent gotten a response. This account is reporting constantly reporting C/O as if the account is open with experian from XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX. Its also reporting last day of payment was XX/XX/XXXX but its being reported as Charged off. Its also stated on XXXX that this account was in good standing XX/XX/XXXX but reported Charge off from XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. According to XXXX XXXX XXXX XXXX, XXXX, XXXX and experian are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts. 
XXXX XXXX XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX By not replying in a timely manner to my initial letters, you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
The listed items is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now delete and remove these items from my report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc XXXX XXXX XXXX XXXX
Product: Mortgage

My mom ( XXXX XXXX, last living parent ) passed away and left everything to me and my brother. I was paying the mortgage while we were waiting for the time to pass with the MD courts. Since time was almost up and I could see that mortgage rates were really high, I asked Rocket Mortgage about what happens when this situation comes up ( because my mom 's mortgage rate was really low and affordable ) and her loan was with them. I called to get things started because the article they sent me made it seem like I could do exactly what I wanted to do ... keep everything the same and just switch it to my name since I already knew I could pay for it ( and I WAS paying it the whole time after my mom passed ). Well, they told me that I couldn't do that because my mom 's loan wasn't assumable so I had to go through an entire purchase process which includes all of the fees ( closing, appraisal, application, etc ). Plus, I lost equity money in order to make the new payment ( with the way higher interest rate ) affordable. I was an emotional wreck and rushed to sign paperwork because I had to " lock in '' the interest rate since the rates were climbing every day. Well, now that things have calmed down a little bit with my situation, I found out something while continuing with all of my mom 's estate paperwork and processes. It turns out, I was right and it's FEDERAL LAW that mortgages are assumable in this situation. I reached out to Rocket Mortgage and all I get is the run around. I ( and my brother ) have been frauded out of money and I will NOT let this go. I never should have had to go through a purchase process, I never should have had to pay all those extra fees, I should have been able to just keep my mom 's loan ( and interest rate ) and kept paying exactly like I was doing. But instead, Rocket Mortgage decided to make a bigger profit and fraud me rather than helping me do what I was asking about.
Product: Checking or savings account

Fifth third bank wrongly denied my dispute for a charge to my account from XXXX XXXX. I ordered XXXX internet. XXXX XXXX sent me a box. Then I sold my home so I did not open the box. I called XXXX and asked if I could use the box at my new address. They said no. So they sent me a shipping label to return the un-opened box. XXXX said since I did not open the box and because they could tell that the device was never used, they would not charge me anything. I have this in writing. XXXX XXXX auto billed my Fifth Third account anyway. I disputed it. Fifth third denied my disputed based on evidence sent by XXXX XXXX that says absolutely nothing. I don't think Fifth Third even read it. Please help.
Product: Money transfer, virtual currency, or money service

Squares payment protocol is an overbearing one. It completely binds the customer, but not Square. This is unfair and unfair.

The agreed 90-day review date was pushed back two years. Not proactively contacting customers, deliberately confiscating customer funds, and mechanically perverting customers. 

1. Square accounts have been deactivated inXX/XX/XXXX and the latest updated payment terms do not apply. 
2. If a customer refund event occurs and the refund has been actively processed, you have no right to confiscate the remaining legal funds.

3. Once a Square account is deactivated, customers have 90 days to dispose of the account instead of waiting two years for a permanent freeze.

4. Squares customer service team abuses the contract at will, fails to respond to customer complaints, and restricts accounts at will.

5. Square stated that the account was suspected to be high risk, but did not provide actual proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I received a letter in the mail from XXXX stating the because I submitted a previous dispute they will not conduct a further investigation into my accounts. This is obviously a violation of my rights. 
Also upon checking my complaints with the cfpb the credit bureaus stated they will investigate my case within 60 days. I feel this is very unfair and that i am being taken advantage of and is also a violation of my rights. 
According to 15 USC 1681 & CFPB investigations should be completed within 30 days of receiving original dispute.
Product: Credit card or prepaid card

My US Bank Reliacard took 7 months to get to me, and I have since spent 2 weeks trying to activate it. Because I am XXXX they have locked the card until I provide them with an address. This is unemployment money and my industry is completely shut down due to COVID-19. I have spent hundreds, maybe 1000 hours on hold over the past 7 months trying to get this to work. Now when I call Reliacard customer service they give me different information each time, and I am now doubting the integrity of their system. I would like my account investigated specifically, and any help finding legal resources to persue restitution for the damages this has caused me. I believe the unemployment benefit system through US Bank Reliacard has been compromised and there may be bad actors working to steal people 's information. I need my account unlocked immediately due to being in an emergency condition of being homeless as we are hitting freezing temperatures. Please help as soon as possible, thank you.
Product: Vehicle loan or lease

Original ( vehicle ) loan was with XXXX in XXXX. In XX/XX/XXXX the loan was satisfied with the last statement in possession with XXXX. XXXX was contacted recently for a lien release, which was never received, who then directed the attention for the lien satisfaction to Capitol One. XXXX stated Capitol One adopted the loan account and would be responsible for the lien satisfaction statement. Capitol One title dept was contacted with all details, a fax request was sent per XXXX XXXX request. A telephone call was made today XX/XX/XXXX, by me, for a follow up of the fax request. Capitol One XXXX XXXX XXXX XXXX is now claiming they don't have access to the account information, therefore are unable to provide the lien satisfaction. The loan was for a motorcycle which has been recently sold, hence why I'm discovering this issue now. New buyer needs this for title purposes. DMV reflects the lien as still " Open ''. A lien satisfaction was never received by either XXXX or Capitol One.
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

The following accounts listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, XXXX Credit Card from XXXX XXXX XXXX, XXXX XXXX XXXX from the XXXX XXXX XXXX, XXXX XXXX from the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Student loan

I had a financial aid back in 2013 which I thought was financial aid. I have this company called Navient saying I owe XXXX for a loan that was supposed to be financial aid. I have told them I can not repay because I do n't have a living wage so they put me on a forbarance plan so I have 2 months where I dont have to pay but the interest keeps growing! ~~ I feel I am a victim of a scam!!!! I found out on the news that this company has a lawsuit against them!!!! Please can you help me so I am not another victim!!!!
Product: Checking or savings account

I purchased a cashier 's check that was not used for it's intended purpose. Instead of redepositing the check in my account they plan to reissue the check even though I did not give them permission and I have a negative balance at Bank of America. They refuse all transactions concerning my account. But somehow they feel that they have the power to reissue a cashier 's check.
Product: Money transfer, virtual currency, or money service

Someone scammed me for {$270.00}. I have text proof that they scammed me and blocked me.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRY I DONT RECOGNIZE BEING REPORTED