23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER BANK IS REPORTING AN ALLEGED DEBT TO MY CREDITOR REPORT AS THE COMPANY IS STATING I OWE A DEBT THAT DOES NOT EXIST. I PUT DOWN A SECURED {$400.00} for CREDIT CARD AND NEVER RECEIVED A DEPOSIT BACK AFTER 6 MONTHS, ALSO DISCOVER HAS REVERSED THE ACCOUT INTO A NEGATIVE BALANCE OF {$830.00} DOLLARS. DISCOVER BANK IS PRACTICING UNLAWFUL ABUSIVE BEHAVIOR TOWARDS ME AS A CONSUMER ACCORDING TO 1026.11 - Treatment of Credit Balances ; Account Termination Paragraph 11 ( a ) ( 3 ) 1. Good faith effort to refund. The creditor must take positive steps to return any credit balance that has remained in the account for over 6 months. This includes, if necessary, attempts to trace the consumer through the consumer 's last known address or telephone number, or both. 

2. Good faith effort unsuccessful. Section 1026.11 imposes no further duties on the creditor if a good faith effort to return the balance is unsuccessful. The ultimate disposition of the credit balance ( or any credit balance of {$1.00} or less ) is to be determined under other applicable law.

11 ( b ) Account Termination Paragraph 11 ( b ) ( 1 ) 1. Expiration date. The credit agreement determines whether or not an open-end plan has a stated expiration ( maturity ) date. Creditors that offer accounts with no stated expiration date are prohibited from terminating those accounts solely because a consumer does not incur a finance charge, even if credit cards or other access devices associated with the account expire after a stated period. Creditors may still terminate such accounts for inactivity consistent with 1026.11 ( b ) ( 2 ).

11 ( c ) Timely Settlement of Estate Debts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection with XXXX  XXXX ( Account number XXXX ) in the amount of {$930.00} for XXXX XXXX XXXX. I provided the proper notice at the end of my lease and had the apartment professionally cleaned. 

Since XX/XX/XXXX, I have been trying to get XXXX  to provide a breakdown of what XXXX claims I owe. They have not provided it. The FCRA provides that a consumer may contact the data provider about a dispute ... that data provider must adhere to the same 30 day time frame for responding or delete the item that the bureaus must adhere to. ( Section 623 FCRA ).

I demand that this item be removed from my file due to a clear violation of both Innovative AND this credit bureau with regard to following the FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

TEK 's response to my original CFPB complaint is inaccurate. 

Company 's Response In a call on XX/XX/XXXX, the consumer disputed the debt. the allegation was that the property at the address for the services, was sold in XX/XX/XXXX and he was not responsible as the proceeded the sale. No offer of payment was made. On XX/XX/XXXX, TekCollect sent validation of the debt to the consumer. It is attached. The validation shows that the charges involved precede the sale and are the responsibility of the consumer. No one at Tekcollect has told the consumer otherwise or that the debt is uncollectible. If the consumer wishes to pay this debt, he may do so by calling our toll-free number ( XXXX ) XXXX, extension XXXX and speak with our XXXX XXXX XXXX XXXX XXXX XXXX 's email address is XXXX. XXXX XXXX phone XXXX XXXX email XXXX After I received this reply ( above ) from TEK from my previous CFPB complaint I contacted Tek Collect based on the instructions that were left with their company response on the Consumer Financial Protection Bureau. The number that was listed to call to pay the debt was ( XXXX ) XXXX and the company that picked up the call was a company called XXXX XXXX and NOT Tek Collect. I asked the operator if the extension ( as indicated on the company response XXXX ) for XXXX XXXX was there and they told me that the number was incorrect and the person did not exist in their company. 

I then called XXXX XXXX that was indicated on the letter ( XXXX XXXX ) and it seemed to have gone to his cellphone or a personal phone if some kind as there was no recording indicating that the phone call was being recorded etc. He then proceeded to tell me that the debt was already paid in XXXX and that the payment was fulfilled. But when I asked him why the debt was still showing on my credit report he said that it didnt make sense and he has no idea why. I then proceeded to ask him if the debt has already been fulfilled if they could remove it from my credit report to which he said he will remove it immediately. There was no confirmation number or any reference given to me indicating that this was done. Hence I am writing to you letting you know about the exchange and my attempt to have this resolved in a timely fashion. Unfortunately, Tek Collect doesnt seem to make paying the debt ( even if it is inaccurate and false ) easier for the consumer. Their process seems to be meandering and very difficult to navigate for the average consumer who is trying to settle a clear violation of their consumer rights. If this is not resolved with this second attempt, I will be hiring a FCRA lawyer
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the fourth complaint against my bank on a XXXX XXXX mortgage which payments started being made XXXX XXXX. This is my fourth complaint against XXXX in failing to report all of my mortgage payments that I have made to them. In which, I have copies of all cashed checks, payments being made on my VA mortgage loan. Once again, I have gotten no resolution regarding errors that need to be fixed by my mortgage loan holder, XXXX Each time I am directed to someone in their home office, I am told they are only going by the file that is sent to them. A bull's-eye report, in which, they believe the information being submitted to the credit bureaus is correct. As you can see, from XXXX XXXX latest facts and findings. XXXX, once again, is not reporting my payments being made as I have since XXXX XXXX. I have been brushed off, not taken seriously and continuing to not see my payments, ALL payments that have been made on my XXXX XXXX loan submitted to the appropriate credit bureaus. Each time, I call XXXX they tell me what they see on their end is all payments being submitted to the credit bureaus, even during the forbearance plan, in a timely manner. However, I have made over several calls to all three credit bureaus. In which, as you can see, XXXX is not reporting nor showing all of my payments that have been made on my XXXX XXXX XXXXoan. I will continue filing complaints, even going in another legal direction, until this issue is resolved.
Product: Mortgage

I received my loan through Fairway Independent Mortgage Corporation on XX/XX/XXXX, with a first payment due on XX/XX/XXXX. Fairway emailed me on XX/XX/XXXX stating that my payment was due to them on XX/XX/XXXX. I then received a letter on XX/XX/XXXX stating that my loan would be transferred to XXXX on XX/XX/XXXX, and the first payment would be transferred to XXXX. I also received a letter from XXXX stating my loan had been transferred to them and the first payment would be due to them on XX/XX/XXXX. I paid my first mortgage payment to Fairway on XX/XX/XXXX as requested, expecting the payment to be transferred as claimed, but the payment was never transferred. When I contacted Fairway, they said they were never supposed to transfer the first payment, but that the unpaid principal balance to XXXX was supposed to be the loan amount minus the first payment - and changed the effective date of transfer to XX/XX/XXXX. I then contacted XXXX and Fairway claims they did as well. XXXX does not acknowledge the first payment to Fairway and still reflects the entire unpaid principal balance. I have contacted Fairway four times to resolve this issue and they have claimed that their research team has contacted XXXX each time to remedy the discrepancy, but no change has been made to the unpaid principal balance to reflect the first payment made to Fairway.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX 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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously Submitted a complaint asking for these accounts to be deleted since I did not give written instructions for them to be furnished and the company ( Equifax ) responded and said I need to contact the inquiry companies directly and to follow their internal fraud procedures, but they ( Equifax ) are the ones that furnished the inquiries on my credit report without my permission not the original creditor. I have already sent a complaint to XXXX regarding said inquiries. 

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

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
Product: Debt collection

XX/XX/2021 {$210.00} I informed them I have not every applied or used the company
Product: Debt collection

I have an account reporting on my credit that is not mines. I have never used these services before nor have I giving anyone else permission on my behalf. The information stated in the account is bogus and has no relation to me.
Product: Mortgage

Refinanced mortgage XXXX XXXX XXXXXXXX, loan XXXX charged XXXX origination and all other loan fees. I feel she was being predatory as XXXX XXXX and she was trying to take advantage of me, she ended up giving me a credit back due to exceeding section XXXX guidelines. Then she continued to harass me after closing after I told her not to contact me ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CARFINANCE CAPITAL LLC on XX/XX/2017 which l have no idea about it at all.
Product: Credit card

The situation in my credit report is causing me profound distress, and my disappointment is thorough. It's not only highly embarrassing, but it's apparent that either you or the company is responsible for reporting this inaccurate information. I have a consistent record of on-time payments
Product: Money transfer, virtual currency, or money service

Back in 2020 i was scammed for XXXX dollars and the transaction was done through cash app so i complained through them but at the time it was impossible to even get ahold of someone. The most i got to do was file a chargeback with my financial institution however when i did that cash app closed my account. When i tried to complain to them directly to resolve the issue i got the generic responses needless to say i never got my money back as resolution or anything close to that XXXX was experiencing extreme financial hardship as this took time during the covid pandemic and until this day i essentially gave away XXXX dollars just due to the negligence of cashapp and theyre inability to be held responsible when countless consumers were having the same issue.although they said they refunded one of the transactions they never did they they closed the account like it never happened. Its not right that these third parties enable scammers to be able to steal from working people and theyre not held accountable
Product: Credit card or prepaid card

On XX/XX/23 I sent in a money order for {$1000.00} to American Express and they cashed the check on XX/XX/23. I have the back of the money order directly from XXXX XXXX verifying that it was cashed by Amex. They didn't credit my account. I have opened XXXX disputes over the same issue and they have never requested the back of the check or called or anything. They keep closing the dispute over and over and can not seem to resolve the issue. They keep asking for another {$1000.00} to finish paying off the account. Every time I go through customer service it takes at least XXXX minutes. I can not go on playing this same game with this large corporation over and over again and getting no where. Please help. The last referrence number was : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$830.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$330.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Debt or credit management

I made multiple inquiries, Paid my bills in XXXX, and Follow up today in XX/XX/XXXX with the same creditor Capital One. 
Im XXXX and been in and out a facility for a year. 
Im trying to pay my bills off, by the same creditor. 
So I dont anyone! 
Im completely XXXX and at times and able to manage my finances.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc ) due to fraudulent customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Specifically cash app filed 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 other financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Emailed the loan representative, her manager, and manager 's manager about the unauthorized credit pull on XX/XX/22. Emailed them twice, and called once and left a message. No response from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please assist me in making the credit reporting agencies up hold to the federal law. My rights as a consumer are to at least be able to speak on behalf of my own credit file. The credit reporting agencies sent me a bogus letter in the mail stating they would disregard my original complaint because they believe it is some one else. Just because I know my rights and I know that I am being violated does not mean I need another person 's help. I have late payments appear on accounts. I have accounts that are NOT even mine at all listed and a bunch of other foolishness. I not once gave XXXX, XXXX, or Equifax any type of permission to report or speak on my behalf. I have been stressed and diagnosed with XXXX because of this. They are fraud and they have taken over my identity and in violation of the FCRA and 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the accounts from my file. 
XXXX XXXX  XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX : {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting

Equifax deleted fraudulent, false data from XXXX XXXX because it was n't my debt and they agreed to it. Additionally, they are now reporting a debt from XXXX XXXX {$480.00} that does n't belong to me and the creditor refused to " verify ''. Finally, I have had XXXX hard credit pulls in 2015 and it 's illegal to report inquiries that are not mine and do not constitute fair use. I should n't have any 2015 credit inquiries and these debts that are not mine need to be taken off my report. This is harassment.
Product: Credit reporting or other personal consumer reports

I AM ONE TO CHECK MY CREDIT OFTEN. TODAY I NOTICED THERE WAS A NEW ACCT OPENED ON MY REPORT FROM YOU ALL. AS WELL AS DROPPED MY SCORES DRASTICALLY..THE ONLY TWO IM AWARE OF ARE THE ONES IVE HAD FOR A COUPLE YEAR THATS CLOSED AND IM PAYING OFF CURRENTLY. SO IMMEDIATELY AFTER NOTICING THAT I CALL XXXX XXXX AND HEAR ON THE AUTOMATED PROMPTS THERE WAS A NEW CARD ENDING IN XXXX OR WHATEVER OPENED THAT IM UNAWARE OF AND IT ALSO DROPPED MY SCORES ON ALL THREE BUREAUS. I SPOKE WITH REP THIS EVENING AND SHE TOLD ME THAT THIS WAS NOT A NEW CARD. THAT IN FACT THIS WAS AN OLD ACCT OF MINES FROM I DONT KNOW WHEN. MY THINGS IS. HOW ARE YOU SOBS GON NA RUN MY CREDIT WITHOUT MY KNOWLEDGE THEN REOPEN AN OLD ACCOUNT AND SLAP IT ON MY CREDIT. THATS ILLEGAL AND UNETHICAL UNDER FCRA. THATS. VIOLATION. YOU ALL BETTER REMOVE THIS XXXX IMMEDIATELY BECAUSE IVE NEVER SEEN ANY XXXX LIKE THIS BEFORE AND IM XXXX. I GAVE YOU ALL NO PERMISSION TO USE MY SOCIAL SECURITY NUMBER TO RERUN FOR AN OLD ACCT THAT I DONT EVEN REMEMBER. FACT OF THE MATTER IS. YOU USED MY SSN WITHOUT MY KNOWLEDGE. I ONLY FOUND OUT BECAUSE I GOT CREDIT NOTICE. HOW ARE YOU ALL GON NA GIVE ME TWO NEW CREDIT CARDS AFTER THE FACT THEN SLAP AN OLD ACCT I HAVE NO KNOWING OF AT ALL THEN DROPPED MY SCORE BY XXXX POINTS I DONT GIVE XXXX XXXX IF THIS IS AN OLD ACCT. YOU XXXX USED MY SSN WITHOUT MY PERMISSION NOR KNOWLEDGE. I WANT THIS ACCT OFF MY XXXX REPORT NOW AS IT WAS IMPROPER USE. I ASKED THE REP AND SHE GAVE ME THE XXXX NUMBER FOR ME TO CALL IN THE MORNING. I ASKED HER IS THAT WHAT DROPPED MY CREDIT AND SHE TOLD ME TO CALL THE NUMBER. THATS SOME XXXX XXXX. YOU CANT USE MY SSN LIKE THAT. I IMMEDIATELY THOUGHT THIS WAS FRAUD BECAUSE IT SAID AN ACCT WAS OPENED THIS MONTH ..AND I KNOW XXXX WELL I DIDNT OPEN A NEW ACCOUNT NOR WOULD YOU ALL LET ME BECAUSE IM PAYING OFF TWO NOW. THIS IS NOT RIGHT AT ALL AND I WANT AN EXECUTIVE OR SOMEONE HIGHER UP TO CALL ME BECAUSE I KEEP CLOSE EYE ON MY CREDIT AS IM TRYING TO KEEP IT GOOD FOR HOUSE BUYING. XXXX XXXX. JIST REMOVE THIS AS YOU ALL HAD NO RIGHT
Product: Debt collection

I am being harassed when they have been legally advised to remove these collections from my XXXX credit reports I am a victim of identity theft
Product: Vehicle loan or lease

I am writing today in regards to my account with Lincoln AFS Account # XXXX. The reason for writing today is in regards to the late payment showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.