23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My family and I had to make a last minute out of state trip due to a death in the family. We put the money for food, travel, and expenses on this card as this was the XXXX with the most usage available after being paid down so we chose to pay on this card to be safe. 

XX/XX/XXXX submitted a payment online of {$1100.00} at XXXX XXXX XX/XX/XXXX called XXXX XXXX to inquire about the payment not posting and received a response after 1+hr hold time that due to a system outage the company can see my payment on the back end but it has not yet posted XX/XX/XXXX XXXX XXXX XXXX  confirmed the {$1100.00} payment cleared the account and encouraged me to contact the company to see if anything could be done before disputing the charge. 
XX/XX/XXXX Called XXXX XXXX and spoke to a representative who stated that it would be 2-3 business days after it cleared so to give it until XX/XX/XXXX. 
XX/XX/XXXX Called XXXX XXXX just now after midnight EST and spoke to a representative who confirmed the payment has cleared but can not be posted and sent me to a supervisor named XXXX who stated that the company expected to have the issue resolved two weeks ago but they are still waiting for the IT department to clear this issue and there is no ETA.
Product: Debt collection

The collection agency ResidentCollect Inc. is continuing to collect a debt that I am on the hook for only as a result of identity theft. I have filed a police report and sent the requested affidavit that the company wanted me to fill out. No action has been taken, and no investigation has been completed. This must be addressed immediately as my credit is still being negatively affected.
Product: Debt collection

In XXXX of XXXX, my wife, XXXX XXXX XXXX and myself, XXXX XXXX XXXX, reviewed our credit reports and noticed we both had a medical collection for a medical bill of {$310.00} from Credit Systems International , Inc. account # XXXX / # XXXX. My insurance company or myself makes payments for all procedures. We have never received a bill from the original creditor or from Credit Systems International , Inc. regarding this bill. We have never been given the opportunity to dispute and request validation prior to this agency placing this alleged trade line on our credit reports. 
On XX/XX/XXXX I, XXXX XXXX XXXX sent a certified letter ( Article number XXXX XXXX XXXX XXXX XXXX ) to the above company advising that their claim was disputed and validation was requested made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. In this letter, I ask this company to provide me with the proper documentation ( validation ) that we owe this debt and gave them 30 days to respond to my request. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt this company says I owe. This certified letter was received and signed by an employee with the above company on XX/XX/XXXX, yet, I never did receive any validation or correspondence from them. 

On XX/XX/XXXX, I filed a complaint with the XXXX  XXXX XXXX ( XXXX   ) under complaint number XXXX. Based on this complaint, Credit Systems International , Inc. agreed to send validation and delete/remove this medical bill from our credit reports. 

After recently checking our credit reports, this company continues to report the same invalidated information to the credit bureau 's ( XXXX, XXXX and, XXXX ). Due to this fact, this medical collection mark on our credit reports is in violation of the Fair Debt Collection Practices Act. No validation proof has been sent to us by this company to prove this medical bill belongs to us or was never paid by my insurance company or myself. I have even called the original creditor who advised they did not show this account in their system. Also the original creditor that was listed on our XXXX credit reports is different than what is now listed on our XXXX credit reports. Both state the bill occurred in XX/XX/XXXX. 

I am requesting that all references to this medical collection bill ( account # XXXX / reference # XXXX / # XXXX ) be deleted and completely removed from our credit reports ( XXXX, XXXX and, XXXX ) and a copy of such deletions be sent to us via certified mail immediately. 

Filing this complaint again it my last course of action before I take legal action against this company.
Product: Debt collection

These accounts do not belong to me. Please remove it from my credit file.
Product: Debt collection

It has been brought to my attention that my rights have been violated with this company in the past. I have been violated under the Fair Debt Collection Practices Act ( FDCPA ) and the Truth In Lending Act ( TILA ), I made payment towards this debt when in fact I did not owe. I am the original creditor. XXXX XXXX XXXX XXXX ( XXXX ) is not the original creditor. XXXX is a debt collector pursuant to 15 U.S.C. 1692a ( 6 ), any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another ). Nor is XXXX the creditor under the FDCPA pursuant to 15 U.S.C. 1692a ( 4 ), such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. XXXX received this debt as an assignment through Santander when I created the debt. See EXHBIT B p. 3. A credit sale occurred when XXXX purchased this debt from Santander. I am the creditor pursuant to 15 U.S.C. 1692a ( 4 ), any person who offers or extends credit creating a debt or to whom a debt is owed ( emphasis added ). 

XXXX furnished me with a deceptive form. XXXX misrepresented the character of the consumer credit transaction as a loan and they were providing me value when in fact I signed a credit application. I did not apply for a loan. I extended my credit and the finance charge funded the consumer credit transaction which comes from my open end credit plan. My name has since changed I will attach a copy of the court order for my legal name change,
Product: Credit reporting or other personal consumer reports

Date : XX/XX/24 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Dispute and Request for Validation of Alleged Debt Account Number Ending in XXXX Original Creditor : XXXX XXXX XXXX 

To Whom It May Concern, I am writing to dispute the validity of the alleged debt you claim I owe, related to an account with XXXX XXXX XXXX and identified by account number ending in XXXX. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), I am requesting that you provide sufficient evidence to validate this debt, as well as detailed information substantiating your right to collect it in the state of Pennsylvania. 

To validate this alleged debt, please send the following information : Original Contract or Purchase Agreement : A copy of the original contract, agreement, or purchase documentation from XXXX XXXX XXXX. that created this alleged debt. 

Proof of Chain of Ownership and Assignment : Documentation verifying the complete chain of ownership, including proof of assignment for each transfer of this debt from the original creditor to XXXX XXXX XXXX. 

Full Accounting History : A complete accounting record from the original creditor, detailing the date, amount, and application of each payment, fees, and charges. Please include the date of the first delinquency and any relevant payment history leading to the collection. 

Proof of Collection Authority in Pennsylvania : Verification of your legal authority to collect debts in Pennsylvania, including a copy of your third-party debt collection bond, as required by Pennsylvania law XXXX 

Proof of Compliance with Required Notices : Evidence that you sent the legally required debt validation and collection notices to me prior to reporting this alleged debt to any consumer reporting agencies. 

Until these materials are provided, I request that all collection efforts cease, including any reporting of this debt to consumer reporting agencies. Reporting unvalidated debts can constitute a violation of XXXX XXXX XXXX XXXX, which prohibits misrepresentation in debt collection. 

If you are unable to provide all requested documentation, please immediately remove this account from my credit reports and cease any further collection efforts. 

Thank you for your prompt attention to this matter. I look forward to receiving your complete response in writing within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to you today to inform you as well as the Credit Reporting Agencies that I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX  XXXX XXXX Balance Owed : {$430.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Do Not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX they did not provide me with the original contract as requested I would like my credit report to be corrected in regards to these negative reports
Product: Debt collection

Westlake portfolio management is not following all of the guidelines per the consumer financial protection bureau attached letter to the claim will be attached for review
Product: Credit reporting

I am filing this complaint against Equifax for refusing to remove a public record account that does not belong to me on my credit report. I have a written statement from the creditor supporting my claim. Equifax is confusing me with another " XXXX XXXX '' who has a different social security number. 

Dealing with this credit reporting agency has been a nightmare because no investigations have ever been made to prove that this belongs to me. The letter I have from XXXX XXXX XXXX XXXX clearly states that the account belongs to a man called " XXXX XXXX XXXX '' and that is not my name. My name is " XXXX XXXX XXXX. '' I filed a complaint before through this portal only to receive the following response from Equifax : " Equifax has reviewed your complaint and its records regarding your dispute. The Judgement case number ending in XXXX has verified name and address to be correct as reported on the credit file. '' The above response is what I have been receiving for MONTHS and is unacceptable. Why did I have go to these lengths to contact the creditor myself to prove that this is not mine? I want this complaint to be viewable by other consumers on the CFPB so they can see the utter disregard of the law this company employs in its practices.
Product: Checking or savings account

In XXXX I received a debit card in the mail to my home address that said it was linked to a checking account at M & T Bank. 

I immediately called M & T bank to speak with a representative as I never opened nor did I ever have any banking/checking accounts or debit cards with M & T Bank . I advised the representative on the phone, that I suspect fraud is involved and someone has used my personal information to open this account. I asked what date the account was opened and the phone agent would not share the information with me. I then advised the agent I need this account closed immediately as I never opened it to begin with. Agent confirmed the account will be closed and I will receive a form in the mail in a few days to fill out and return advising of the fraud. 

**Fast forward a couple of weeks later this month of XXXX, I receive another Debit card from M & T Bank in the mail to my home address ( 2nd Debit Card at a bank I have NEVER Banked with ). This is the same banking institution I have never opened any account with. I called again to speak with a representative who tells me over the phone the checking account has been closed but he doesn't know why I'm still receiving debit cards. **What 's most alarming is I have ran all three of my Credit Reports and NOTHING For M & T Bank appears on any of my reports ( XXXX, XXXX, XXXX XXXX. This leads me to believe someone at the bank is using illegal practices to open checking accounts. I also have never received the " Report Fraud '' letter from M & T Bank as initially advised by representative # 1 over the phone.
Product: Payday loan, title loan, or personal loan

I have been paying back my loan for over very long time. The balance is the same and sometimes more. Whenever I have a few dollars of equity the company hounds me via text and email to take out whatever I have. Essentially, refinancing the loan. At one point due to financial hardship they waived some of their fees, I received a tax doc for the write off amount but then they added those fees again. None of my {$200.00} plus payment per month goes towards the balance. There is no end in sight. Due to my current job loss and spouses medical issues, they just keep adding on the fees. This is predatory lending at its best.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit reports and notice that There were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting in me for getting approved. I have already reached out to the credit bureau about these inquiries multiple times and they keep violating my rights under 15 USC 1681b right.I have attached hard inquiries That don't have no purpose to be on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing a collection that is two years and it is invalid. I disputed the charge and the company removed it from XXXX. Further, they are artificially lowering my credit score due to inquiries and percentage of outstanding credit used, even though the amount is miniscule compared to my income. This has damaged me by causing a higher interest rate on the loans I am attempting to get.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite numerous written requests, which is against federal law. The validation of these items shall be in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these claims, I'll file a lawsuit against you. So that this situation can be rectified as soon as possible, kindly abide by the law. 
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 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 decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$390.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to follow up CFPB Complaint as a follow up to the recent complaint I submitted demanding the immediate deletion of the fraudulent accounts and information the Credit Bureaus have been reporting. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history. Please have the following items removed from my Credit file as soon as possible : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/23 I filed and Identity Theft and Police Report informing the credit bureaus of fraudulent activity on my credit reports. There is still one ( XXXX ) fraudulent account that has not beem removed.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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 account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian to reinvestigate this account by XXXX # XXXX this was done in XXXX and XXXX and each time results came back quickly and inaccurately and the last investigation came back the same on XX/XX/XXXX. However, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C. 1681 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

I would like to know who they spoke with and how this was investigated.
Product: Money transfer, virtual currency, or money service

I am filing a complant against cash app ( Block , inc ) Due to inadquate customer service and un fair practices, wich violations the consumer financier protection act ( CFPA ) Specifically, Cash App faites to take timely and effective mesures to prvention and address fraude on their platform, leaving my account vulnrable and un protecteur. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with errer rsolutions and requirements under the Electronic fund transfer act ( EFTA ) and rgulation E. Ths actions have caused significant inconvenience and financier loss, and i seek appropriate redress for thse violations
Product: Credit card or prepaid card

Hi I was approved for American Express credit card and I got my credit card in the mail on XX/XX/2018 and I needed a ride for lyft and my credit card didnt go through so I called American Express and they told they needed some documents from me and I fax it to them and had it notarized and also fax in my ID and I never heard back from them and I called them and they told me it will take 72 hours for them to call me and they never called and told me I have to wait another 72 hours and I did a balance transfer to pay off my other credit cards and they told me there no records of balance transfers and I will upset and told me give it another 48 hours to reflect on there systems and I need to have my credits cards paid off so I wont be in debt ... .. and American Express ask for my phone number in name and I told them I change it because I didnt like XXXX and I want a better service and I gave them this number XXXX and they said its a bad number ... ..