23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called XXXX XXXX last XXXX XXXX with my ex husband present to get the bill out of my name since we were getting divorced. We called XXXX XXXX and spoke to a rep and told them that he was taking over the services since I was moving from the Residence. In XXXX XXXX I received a letter stating that I was sent to collections for unpaid debt to XXXX XXXX. I called XXXX and told them that I have n't lived at that residence since XXXX XXXX and that my ex husband and I called in XXXX to have services changed in his name and that this was not my responsibility it was his. The guy I spoke with told me that the notes noted on the account corresponded with what I was telling him and all I needed to do was write a letter stating what happened and when and that we put the services in his name and that he would be responsible for any payment. The bill was up to date when I left there. Then just this past Monday evening XXXX XXXX XXXX I received another letter in the mail saying that I was sent to another collection agency from XXXX XXXX. I called the Agency XXXX XXXX account # XXXX and spoke with XXXX and told them the same thing and that I submitted everything they told me to do back in XXXX and that we both called in XXXX to have the services put in his name. I was told that they could not help me and that I needed to contact dish so I did. I called dish at the # he provided XXXX. I spoke with XXXX first and he told me he was going to transfer me to the assistant president XXXX. XXXX told me that everything I said was noted and that I did change the billing information but the equipment was still in my name. XXXX had cancelled the services and has not returned the equipment. I told XXXX that I was not responsible for anything that we had called back in XXXX to have it put in his name. XXXX told me yes you did but you did not the equipment and that there was nothing he could do. I said I am not paying for something that I done exactly what I was supposed to do and that who would change just the billing info and not the equipment that was not right and why would they do people that way. He said that is how there company works and I said yes trying to mess people out of their money and that is not right. I told him that I could contact the XXXX Consumer Financial Protection bureau and the att ; General. He said that he still is not going to change anything because I threaten to go to them and I told him that was not threat I was going to especially since this has made my credit score drop. The reason I know my credit has drop is because I just applied for a loan to buy a house and my credit score was lower. The bank lender and I could not figure out why and then I received this letter, so that explained it. I work to hard for my money and my credit to have it ruined. I need this fixed and made right ASAP or told what I need to do to get it done. Please contact me at XXXX or XXXX and let me know. Thank you for you time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, experian and XXXX  have accounts on my credit report that are not mine/inaccurate. 

accounts : XXXX Account : XXXX**** Investigate Ownership : I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE  DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE
Product: Credit reporting, credit repair services, or other personal consumer reports

these are accounts are fraudulent and they there old thery just XXXX up from someone else credit XXXX XXXX TransUnion XXXX XXXX   Account # : XXXX Account Type : Installment Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 1 High Credit : {$2000.00} Credit Limit : {$2000.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
**CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CO CO CO CO CO XXXX XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX Account Type : Revolving Account Type - Detail : Charge account XXXX XXXX : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$1700.00} No. of Months ( terms ) : XXXX High Credit : {$0.00} Credit Limit : {$2000.00} Past Due : {$1700.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Unpaid balance reported as a loss by the credit grantor. 
**CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CO CO CO CO
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a credit card with XXXX  XXXX XXXX on XX/XX/2023 to do a balance transfer in the amount of {$4800.00} to pay off an XXXX XXXX card with USAA to avoid interest. When I noticed that the balance on the USAA XXXX XXXX card had not changed by XXXX I called USAA and they started the first investigation on XX/XX/2023. 

On XX/XX/2023 USAA requested documents about the balance transfer. So I uploaded all the information that was sent to me when I completed the balance transfer that showed the reference ID and the amount of the transfer. 

XX/XX/2023 USAA closed the first investigation, stating that the charges were still valid and there was no evidence of a balance transfer. 

I repeated the same process on XX/XX/2023 and the investigation again ended on XX/XX/2023 with the same result. 

After the 2nd failed attempt. I called XXXX  XXXX XXXX who was the bank sending the balance transfer and discovered that the balance transfer was sent and was accepted by USAA but the last 3 numbers of the account were wrong. XXXX  XXXX XXXX stated they would start a correction and I started another investigation through USAA with the new information and the account number that the money was " sent to ''. This was now XX/XX/2023. 

Today XX/XX/2023 I noticed that the credit applied to my USAA account had been reversed and called both USAA and XXXX  XXXX XXXX. 

USAA terminated the investigation on XX/XX/XXXX with the same result of the amount was valid and there was no evidence. 

XXXX  XXXX XXXX canceled the correction because it was over 60 days and the money was " accepted '' for the balance transfer. They now opened a fraud investigation case. 

I'm now stuck with a credit card from USAA that was supposed to be paid off and I'm gaining interest and making payments on and a credit card from XXXX  XXXX XXXX that isn't gaining interest due to the promotional no interest, but I'm still forced to make payments on a credit card for a {$4800.00} valance transfer that I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since last year I am trying to correct and delete this repossesion from XXXX XXXX  Because is to many inaccuracies been reported by XXXX and Experian first XXXX XXXX report a balance of XXXX then in a second letter they are reporting to XXXX and experian another differnt balance of XXXX and the problem is that if this a charge off both Experian and XXXX must report a XXXX balance. XXXX XXXX is reporting this same account as charge off with a XXXX Balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I was unaware and did not give permission for my information to be shared. I ask that you please REMOVE the accounts listed below and update any payments that are listed.
Product: Debt collection

Dear Equifax, I am writing to address unauthorized transactions appearing on my consumer report, which I did not authorize or instruct to be included. I formally request the blocking and removal of these accounts without any misrepresentation of facts. Below are the specific accounts in question : Account : XXXX XXXX XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. Please remove it from my credit report. 

Account : XXXX XXXX XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. Please remove it from my credit report. 

Account : XXXX XXXXXXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. Please remove it from my credit report. 

It appears that these actions may contravene 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing information solely regarding transactions or experiences between the consumer and the reporting entity. Consequently, Equifax 's inclusion of these reports is in violation of the statute. 

I request that you promptly update my utilization to XXXX XXXX or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Moreover, I demand that you provide all documents supporting the reporting of these accounts, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The inclusion of this information is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I insist on the removal of these accounts from my file within 30 days, as stipulated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of the accounts. 

Additionally, I request the removal of all erroneous and unverified information, as well as all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, including seeking {$1000.00} per violation for defamation of character, civil liability, and Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Product: Debt collection

Keeps calling my personal cell phone 3or4 times per weekday sincr XX/XX/2018, trying to reach my adult daughter.l do not have any debt with this company. Why they harassing me?
Product: Debt collection

I called in   XX/XX/XXXX  to see w hat amount was needed to bring the account current. I was told I needed {$3800.00}. I called back about a week later and paid {$3800.00}. I 've made payments on time since I supposedly brought the account current. Now I 'm being told the account is past due {$1200.00}.
Product: Debt collection

They keep asking for XXXX XXXX that doesnt exist in my household. They call me all the time even on Sundays after letting them know this person does n't live here nor do we know the person and each one will claim to remove my number but still bothers me.
Product: Debt collection

ON XX/XX/year>, I MAILED WRITTEN COMMUNICATION IN THE FORM OF A CEASE AND DESIST LETTER TO MIDLAND CREDIT MANAGEMENT REGARDING UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNTS # XXXX AND # XXXX REFLECTING ON MY XXXX CONSUMER REPORTS IN VIOLATION OF 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) - ( B ) ( I ) - ( II ). IN ADDITION, I SENT A COPY OF THE CEASE AND DESIST LETTERS TO XXXX, XXXX, AND XXXX DISPUTING SAID ACCOUNTS. DESPITE MY CEASE AND DESIST LETTERXXXX MIDLAND CREDIT MANAGEMENT STILL CONTACTED ME REGARDING SAID DEBT ( XXXX ) AND HAS STILL CONTINUED TO FURNISH SAID UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION TO THE XXXX CONSUMER REPORTING AGENCIES IN VIOLATION OF THE FDCPA AND THE FCRA. XXXX HAS DELETED THIS UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION FROM MY CREDIT FILE AND CONSUMER REPORT. HOWEVER, XXXX AND XXXX ARE STILL REPORTING THESE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not mark as Duplicate, this is an unresolved issue. Around XX/XX/2022 XXXX  XXXX pulled my credit profile without a credit application. please advise to send copy of credit application. if they can't provide proof of my verified information, then they lied in their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights, 15 USC 1681 section 602 A states I have the right to privacy and it also states a Consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX
Product: Credit card or prepaid card

First Progress card has applied fees to the account ( annual fee ) without sending a statement of the due balance, then reported the payment as late. Their online system is unable to accept payment at this time and continues to show this. 

This is the ONLY late payment on any revolving account and it is due to their lack of sending timely statements. I became aware of this due to credit monitoring service. 

They did this same thing last year, however this year their phone number is not working, and they are uncontactable. 

This is damaging my credit and causing me harm with their unfair practices by not notifying me of the balance in a timely fashion and having a payment portal that doesnt accept payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Accounts name : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX  XXXX {$910.00} XX/XX/XXXX XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX 
15 U.S.C, 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Vehicle loan or lease

Dear CFPB team, Our company took over a lease from an individual of XXXX XXXX XXXX, which came into effect in XX/XX/XXXX as signed by Toyota Financial Services agreement. As a part of the lease transfer deal we obtained a fuel card worth {$15000.00}, which was assigned to the car at the moment of the lease transfer and worked fine, and we used this car to fuel the leased vehicle. 

As of XX/XX/XXXX the fuel card stopped working ( due to Toyotas internal card provider switch ), and when called Toyota Brand Engagement Center that handles Toyota Mirai we were informed that the card is non-transferable to the new owner, and this is the first time we learned about it. 

We opened a complaint case number with Toyota Financial Services ( Case # XXXX ) and with Toyota Brand Engagement Center ( Complaint # XXXX ) but didn't receive a positive outcome to resolve the case. 

Toyota XXXX XXXX center XXXX Specialist by name XXXX informed me on XX/XX/XXXX that fuel card 's non-transferable status is printed on the card, and while this is indeed the case ( in small print ), we didn't know about this from the lease transfer agreement at the time of its signing. The fact that the card was fully operational until Toyota moved to ta new card provider on XX/XX/XXXX also proves that the card was effectively transferred for our use 100 percent. 

I argued with XXXX that " non-transferable '' status makes sense in a way that it is non-transferable to a different car, because it was originally assigned to the same car we took over as a lessee, and there was no documentation available that the card was non-transferable to a new lessee in the lease agreement or anywhere else. 

Remaining value of the fuel card 's balance is at least {$7500.00}, and we as a new lessee would like to seek compensation from Toyota for lost value as we assigned this value to the lease contract when we took over the car lease.

Please kindly help us get Toyota to bear full responsibility for their covert actions to strip our company of at least {$7500.00} value in our contract and pay us this compensation in full by a check or other means. 

Thank you. 

Dear ___ : We appreciate you taking the time to contact the Toyota XXXX XXXX XXXX. We are dedicated to providing superior service. Your case is filed at our headquarters office under your name and file XXXX. 
If you require further assistance, please contact us directly at XXXX. Our hours of operation are Monday through Friday from XXXX a.m. XXXX p.m. XXXX, and Saturday from XXXX a.m. XXXX p.m. XXXX. 
Sincerely, Toyota XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7900.00} US DEPT ED XXXX {$5600.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4300.00} US DEPT ED XXXX {$4200.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year>
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 proce 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 12 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have an 15 open accounts with this servicer. I never knew anything about this company taking over my loans. I never received anything from this servicer. I never signed an MPN note with this company. According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. Please remove these negative items. Thank you ''
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION, & XXXX are willfully non-complying with the FCRA, Violating my consumer rights and effecting my credit worthiness by reporting inaccurate information to my consumer credit report. XXXX has reported my account as delinquent and CRA 's have not validated alleged debt. When investigating the CRA only contacted the furnisher of the debt & that is a violation pursuant to 15 USC 1681s. Adverse action may not be taken 15USC 1692e. 16 CFR 433.2. I am the agent to these principal accounts.
Product: Debt collection

GLA Collection was suppose to report that debt on my credit bureau that info on credit file was incorrect. I spoke to a representative and they never reported that the info was incorrect. This is the letter I received from them