23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX4 I C SYSTEMS COLLECTIONSXXXX Due to Data breaches I have the right to privacy and the follow accounts should be deleted from the following reports : CRAs in the United States ( XXXX, XXXX XXXX, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a.

Federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information provided in a consumer report, however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ). 

The USA PATRIOT Act expanded federal agencies access to credit reports. Prior to the Act, the FBI had access to credit reports ( without needing a court order or subpoena ) if there were specific and articulable facts that gave reason to believe that the consumer was either a foreign power, a foreign official, or the agent of a foreign power and was engaged in international terrorism or criminal clandestine intelligence activities. See 15 U.S.C. 1681u ( a ), ( b ). The Act eliminated the requirement of a nexus to a foreign power or its agents and instead requires that the information sought be relevant for various national security investigations to protect against international terrorism or clandestine intelligence activities. See 1681u. The Act also broadened other federal agencies access to consumer reports. Section 1681v obligates CRAs to provide consumer information and reports to a federal agency authorized to conduct investigations of, or intelligence or counterintelligence activities or analysis related to, international terrorism. '' Senior federal agency officials are empowered to issue a certification that the information is necessary for the agencys conduct or such investigation, activity, or analysis. See 1681v ( a ) & ( b ). Upon certification that disclosure to the subject would impair national security or interfere with an investigation, the entity providing the information is not permitted to disclose to the subject or others ( except counsel and those necessary to comply with the request ) that the government agency sought the credit report. See 1681v ( c ). State and local law enforcement within fusion centers often work in conjunction with the FBI or other federal officials to seek consumer reports pursuant to either 1681u or 1681v authority. If 1681u or 1681v is not utilized or applicable, consumer credit information may be obtained by seeking a court order or subpoena as authorized at 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE NOTE THIS IS FOURTH TIME TO COMPLAINT EQUIFAX i had contacted many times EQUIFAX INFORMATION SERVICE LLC to remove  Unauthorized Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 i had contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX Creditor how has Run my Credit with Unauthorized and i got t proof from creditor to remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago wirh no response till now i going now to attach proof has sent to them to Equifax to remove 2 Unauthorized hard inquiry -XXXX/XXXX Inquiry from XX/XX/2018 -XXXX/XXXX Inquiry from XX/XX/2018
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  {$7900.00} XX/XX/year>XXXX  Called In To Report Inaccurate Information About The Information And Was Disregarded. Fraudulent XXXX XXXX  {$4700.00} XXXX XXXX {$460.00} XXXX {$1400.00} No knowledge Of Account XXXX {$3200.00} Fraudulent Account
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX, and Id like to file a complaint against a lender, WLCC Lending GVF, d/b/a Green Valley Funds. It gives its address as : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, their phone number as : XXXX + ( XXXX ) XXXX, and their eMail address as : XXXX. 
This Lender is a subdivision of Wakpamni Lake Community Corporation ( WLCC ). They claim to be a political subdivision of the XXXX XXXX XXXX, and thus they claim sovereign immunity. 
On XX/XX/XXXX, I applied, and was approved for, what is commonly called a pay day loan. Everything was completed online. I was assigned a XXXX XXXX XXXX, and the loan was assigned number XXXX. I never spoke with a live person about the loan. Nobody from the Lender contacted me to explain the terms of the loan. 
This loan no. : XXXX carries a 788.67 % A.P.R. I am not an attorney or a banker. Nobody explained to me what the A.P.R. is, or that I would be paying approximately {$1700.00} for a loan of {$500.00}. 
On XX/XX/XXXX, Green Valley Funds issued a pay-off statement where they said the balance was {$10000.00}, good through XX/XX/XXXX. On XX/XX/XXXX, a cashiers check number XXXX, drawn upon XXXX XXXX XXXX XXXX XXXX, in the amount stated, was sent to Green Valley Funds by United States Certified Mail, Item Number XXXX XXXX XXXX XXXX XXXX XXXX. 
When I contacted XXXX XXXX, I was informed that they 30 to 90 days to post a check. The loan still appears as outstanding, and has not been satisfied, nor has XXXX XXXX even acknowledged receipt of the check, even though the certified mail containing the check was signed for on XX/XX/XXXX. 
I can provide the original loan documents, a copy of XXXX XXXX pay-off statement, and copies of the check and the Certified Mail envelope. 
I dont know if you can do anything about this, or will want to do so. Even if you can not help me, I would like you to lodge my complaint so that this perhaps does not happen to other innocent consumers, going through a rough patch, who fall victim to these practices.
Product: Debt collection

I received a letter for Wilber & Associates on XXXX XXXX asking me to pay {$540.00} for an accident that they say happened when a person I have never heard of crashed my car. My car has never been in an accident. They have called and harassed me on the phone, asking me for information but not providing me with any information. They sent me a letter on XXXX XXXX threatening to suspend my license. This company is disgusting and I want them to be stopped. This is a scam and I ca n't believe these people are not in jail.
Product: Credit card

Without Notice including but not limited to email ( s ), a AGENT from CAPITAL ONE BANK credit Card Dept. Closed the Capital One " XXXX '' Card.
Product: Debt collection

Ive called multiple times trying to get information on this particular account thats being said its mine, which isnt mine, not sure why, the company has told me multiple times they have no information about me having a credit card with them or ever having one
Product: Credit card or prepaid card

I made a purchase from furniture store on XX/XX/20 Called XXXX XXXX XXXX. The furniture store has been delaying delivery and putting off things since last year. The store finally delivered part of the furniture but not the other furniture I bought from. The store has charged me XXXX and delivered me a furniture of worth of XXXX so I still have outstanding balance with the store for about XXXX dollars. I have talked to the store multiple time and asked them to refund they are not answering. They blocked my number. They are not responding to my emails. 
I spoke to XXXX card seeking their help but they said they can not do anything becuase the purchase has been for more than 120 days. Well because of the pandemic and everything going on the merchandise has putting things off. I tried to file dispute they will not allow me. I called them and they refused to help me
Product: Checking or savings account

On XX/XX/2023, I attempted to purchase a puppy from XXXX. The owner said his name was XXXX XXXX. The phone number I was given was XXXX. I sent this individual {$810.00} but had to send them in increments. Through Zelle, I sent this person three {$200.00} amounts, {$100.00} and {$110.00}, which amounts to {$810.00}. They were a fraud ; I never received my puppy, and their site is still scamming people.
Product: Money transfer, virtual currency, or money service

REMITLY - Transfer # XXXX XXXX XXXX XXXX XX/XX/XXXX I attempted to send a small amount of money ( {$120.00} ) to my XXXX XXXX XXXX mother-in-law in the XXXX who needed it immediately for medication. She requested that I use the Remitly site to do so. I always use XXXX XXXX. I registered on the Remitly site, signed in and used my XXXX XXXX XXXX in an attempt to send the money. For some unknown reason my transfer was canceled and the money was not sent. I received an email message that my bank would NOT be charged, but upon checking with XXXX Bank, the charge was there. It has now been cancelled. I called the number that I was provided in the Remitly email and was advised that I had been cancelled and would not be allowed to send money through the site at any time in the future. I requested an explanation but for " Security '' reasons my request was denied. I asked to speak to a supervisor, and after waiting several minutes, a supervisor answered and also refused to tell me why my transfer was cancelled and again advised me that I would NEVER be allowed to use this site. I have used XXXX XXXX dozens of times to send money to the XXXX over the years, and have NEVER had a problem. My credit history is impeccable, with a greater than XXXX FICO score. I am insulted and angry at the treatment I received from Remitly, and will be doing everything in my power to have this useless money transfer site removed from doing business in the United States. Social media is a powerful tool, and I have many contacts. Thank God for a reputable site like XXXX XXXX, or my mother-in-law may have gone without the medication that she desperately needed. I also explained this to the supposed supervisor! Although there was a several hour delay in her receiving the medication, she now has it, thanks to XXXX XXXX. Not that Remitly cares at all. If she had died, I guarantee you Remitly would have cared! I also checked " CompareRemit '' https : //www.XXXX.com/XXXX/XXXX_XXXX/XXXX/XXXX// This site has hundreds of " One Star '' comments, but the Remitly site claims a rating in the " Five Star '' region! Another minor irritation was the fact that they claimed a " Free '' transfer for first time users, but when the transfer was ready to be sent, {$3.00} of the {$7.00} fee was waived buy a {$3.00} fee remained. I believe this is called FRAUD!
Product: Credit card

Citibank is calling on Sunday morning at XXXX XXXX ( Arizona time ) for a payment to a past due account. Per the federal guidelines, it states calls can be made between XXXX XXXX - XXXX XXXX on Sundays. This phone call was outside of these hours.
Product: Credit card

RE : Bank Of America Student Credit Card / Timeline of ReportingThis complaint shall serve as formal notice of my Intent to file a lawsuit against Bank Of America, due to its ' blatant and objectionable disregard of the law. 

I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

This is not a request for validation or verification. 

Violations FCRA Section 611 Part ( A ) ( 1 ) {$1000.00} per violation. 

cc : Law Offices of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXXcc : Board Of Governors Of The Federal Reserve System XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXXcc : Office of the Comptroller of the CurrencyXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Debt collection

Today I was garnished {$130.00} ( 25 % ) of my check and don't understand why. My payroll department emailed me a document showing a court order of {$2200.00} garnishment. I had never heard of Midland finding before and never had a credit with them, let alone a balance owed. I called Midland and they claimed to be a debt collection company and said if I hadn't been notified correctly that I have to take that up with XXXX Court House, that there is nothing they can do. I don't know how they can do this without proving this is my debt and never notify me of being sued. How is it they can just sue anyone for anything without proof?
Product: Credit reporting or other personal consumer reports

Need to submit ID & utility bill because my address updated & my account for Equifax online says XXXX because need to submit my proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and details listed below should not have been reported in the first place, constituting a clear violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I insist that these accounts and information be promptly deleted and removed from my consumer report to rectify the violation of these laws. Immediate action is necessary to comply with this request. Remove these accounts and information without delay!
Product: Debt collection

credit consulting services XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX is attempting to collect on medical debt that was included in BK back in 2012. They are reporting 9 collections on my credit report every month causing my scores to drop. I called asking them to remove these erroneous collections instead they asked for my current address, employment, phone numbers all supposedly for the purpose of verifying the account and my identity and NOW i'm getting calls at home and work at XXXX and all they day to XXXX or XXXX at the evening from harassing and rude collectors of theirs attempting to collect debt and this morning XXXX XXXX collection agent from credit consulting services stated she has a sheriff heading to my house if I didn't pay her the money ... and I would be arrested ... how is it even legal these days to harass citizens this way ... please help me stop this non sense ..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX Account XXXX XXXX had violated my rights. 

15 USC1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

They keep on saying I owe a debt to XXXX XXXX, when I say show me the statement they have no information, XXXX clearly have stated I paid a amount of XXXX and settled this, although the account is now closed in all 3 credit bureaus it reflects a debt owned XXXX and that should reflect at XXXX
Product: Credit reporting

Over the last 12 months I have sent multiple letters to Transunion stating XXXX wrote off this account for company tax purchases. It should not still be on my credit report because XXXX took the tax credit once this account was written off. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account from XXXX ( XXXX XXXX ) and XXXX do not belong to me. They have XXXX XXXX on there. My real name is XXXX, XXXX XXXX XXXX and I have my identification to show somebody use my Social Security number and switch my name around XXXX XXXX just got on my credit of XXXX  and it says his account was open in 2020 this is not mines and this is malicious identity theft. They use my name to open up to cell phones, one with XXXX and one with XXXX and its now in collections with XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to XXXX XXXX XXXX for Validation for a account they posted on my credit report. I gave them XXXX  days to provide me with the documentation they have for this account. Which they failed to today is XX/XX/year> which is past XXXX  days so this account should be deleted off my credit report.
Product: Debt collection

I had complained in the past, case number XXXX. 

This company, without giving nay proof, gave statement to you guys to get the case closed. As per their statement, I never received any document. You should ask them to send you guys their documents and attached it here in this complaint. 

This was company 's response, but never Any Document was received by me. They need to send the Document to you guys. The client they are claiming, I had contacted them, they didn't have any past due record. 

" Company 's Response We have reviewed our records in this matter, and find the following. Our client, XXXX XXXX XXXX and XXXX, is a provider of emergency room physician services at XXXX XXXX XXXX XXXX XXXX XXXX, FL. The account in question was placed for the collection of an outstanding balance of {$1400.00} on XX/XX/XXXX. The charges stem from services that were rendered to the consumer 's minor child on XX/XX/XXXX. We have verified with our client that he information being reported is accurate, and have reported the account as in dispute with the credit bureaus. We have requested that validation of the debt be mailed to the consumer. '' Need to be stopped.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX : number XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was part of the Equifax data breach. An unknown entity now has my information due to Equifax 's negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was reported on my account which I didn't apply for credit with one-main financial.
Product: Credit reporting or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my EXPERIAN Credit Report. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action. 

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Product: Credit reporting or other personal consumer reports

These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am currently an authorized user on 2 of my cousins account. I been paying responsibly. My issue is XXXX and XXXX are not reporting it to transunion and other credit agencies. It shows up on my XXXX  which i will show you in my pictures. I have called both XXXX  and XXXX and both companies said they would update this and have not done so. Which is effecting my XXXX score which I will also show a you a picture of difference between my transunion and XXXX. All I am looking for is for everyone to have my accurate information on file. To my understanding of the fair credit report act this situation should have been fixed as it's been over 45 days and this is still not updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXXXXXX XX/XX/23 Is reporting late payments when the account was settled since was not opened with my consent. 
Also I found inquiries that I did never authorize : XXXX XXXX, XXXX BANK 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

I am filing a compliant 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.