23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is being filed to ensure I receive a response from the debt collector LOCKHART , MORRIS & MONTGOMERY , INC . I am attaching a letter I want them to have. I am using this complaint as a medium of written communication to inform them of my refusal to pay the debt they are claiming I owe because it is a debt created from identity theft.
Product: Debt collection

These accounts are ran as a charge off But i never receive any of the 1099 cancellation of debt form. 

In accordance with the fair credit reporting act convergent account numbers XXXX XXXX XXXX Account # XXXX XXXX- Account # XXXX Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my information. 

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship. 

In accordance with the fair credit reporting act convergent account numbers XXXX XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX All accounts from these companies Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my consent. 

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship.
Product: Debt collection

Repeated, harassing calls CONSTANTLY! I have asked multiple times to stop calling so much and only to call once a month and to leave a message for me. They then have contacted my work, some of my friends, some family members and ex-family members as well about getting information and it stating they are a debt collection company. I have written a letter on XX/XX/XXXX for them to cease all calls to everyone except for me, including not calling my work phone as well. and to ONLY call ONE time and leave a message with ME. I have still received calls, but they are addressing a family member on my voicemail. when I called in they said my name ( not the family members name ) and I asked so who exactly are you calling for and they would not say. I am wanting to see if I can take legal action since they have disregarded my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT OVER THE AFFIDAVIT AND EQUIFAX IS PUTTING THE CREDITORS UNDER ANOTHER NAME FCRA VIOLATION WITHOUT NOTIFYING ME WITHIN THE 10 DAYS GRACE PERIOD
Product: Payday loan, title loan, or personal loan

The loan is with easy money on XXXX XXXX in XXXX alabama. My first payment was due XX/XX/2018 and that is also my pay date. I came in early on XX/XX/XXXX to pay back my loan and borrow a lesser amount. The girl working that day did not ask me what I wanted to do as far as reborrow or pay off so she hands back the full XXXX. I took that amount so that she would not have to start all over and print more paperwork. I didn't realize that she did not correct the date on the paperwork being that I paid early so it put me due earlier than I should have been due and not on my pay date. The company put the check through causing it to bounce and cost me an overdraft fee. I tried calling and clearing things up with them but both people I spoke with did not try and correct the problem but instead were rude and asked when I would be in. I explained that my account had been messed up from this problem and that I would be in to show them my paper work. To cover the mistake they had made they tried on what should have been my correct due date and pay date several weeks later. This was not an authorized payment being that they did not admit that my paper work was dated for the wrong date and I did not know that they would do this. This caused more fees with my bank. They did the same thing 2 more weeks after and more fees were added to my account. I contacted the bank and explained what they had done and was credited for 1 of the overdraft fees and a stop payment was issued. On XXXX XXXX I was negative XXXX dollars from this company. I have not had a loan in that amount. They could not collect on my loan amount so took it upon them selves to try for another amount. They have committed fraud by taking an amount that is not owed by me and I have not authorized that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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

To whom this may concern I been trying to resolve this issue with the department of educationXXXX with all 5 accounts for years and they refuse to fix and knowingly they are wrong. They been reported late payments on my account when it should have been current with no past due like the rest of my payments. 
XXXX of XXXX XXXX XXXX and XXXX has negative remarks. And I did everything I was supposed to do as far as sending in my Papers to renew my forbearance status. These accounts been open since XXXX which is too old to be on my account anyways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted multiple times, through phone calls, and letters to report that there are unauthorized pulls on my credit. I did not authorize these claims. I have reached out to the companies individual and they were not able to identity me authorizing the credit pull as well.       XXXX     XXXX   XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and police in my area. XXXX, XXXX, XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX AND XXXX XXXX. 
There are also several inquiries on here that ore not mine and needs to come off my 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 AND 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: Mortgage

There have been two issues with this new company that my mortgage has been sold to ( I never would have picked this company as my mortgage company ) : - I have my bills paid by my bank bill pay and they send the checks on time, always. This company holds the checks, not giving me proper credit for paying my mortgage on time. The photo I've submitted ( a screen shot of my account page ) on XX/XX/21 will show you that I have not gotten credit for paying my XXXX payment on time even though my bank sent the payment to be delivered on XX/XX/21. 

- When my mortgage was transferred there was no information given to me about having to change my insurance to their company. I randomly logged onto my account and saw information about this, but then the next time I logged on it was gone. Had I not randomly logged on this one day, I would have been in the situation of them buying their own fake insurance for my house and not communicating with me regarding what needed to be done re insurance. The photo I've submitted similarly shows no information about the insurance issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXXXXXX XXXX  has reported incorrect account on my credit report. XXXX XXXXXXXX Account was removed but XXXX  unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX  claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX refused to file my dispute and advised I contact CFPB. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Applying for a business line of credit via XXXX  XXXX. XXXX  XXXX used Experian to run my credit. XXXX Credit Score, no delinquent accounts, no late payments, no bankruptcies, no public judgements, all accounts are in good standing - my credit has been this way for over 4yrs. XXXX  XXXX denies me due to my high bankruptcy score. Bankruptcy Score? Never heard of it. So I XXXX and found out that it's a product that Experian offers to banks and lenders to score the consumer on the likelihood of bankruptcy. The XXXX XXXX  rep couldn't understand why it was so high, as I have very clean credit. The called end. XX/XX/XXXX I called XXXX, and was told there was no such thing and that a bankruptcy score didn't exist. I also called XXXX. was instructed to call XXXX. XX/XX/XXXX Called Experian Membership Service and was told the same thing - never heard of it. Called Experian back, asked for the " business '' department and finally spoke with a women who was aware of the bankruptcy score and told me that the bankruptcy score takes 24-72hrs to reflect any changes my to your credit report ( my credit card utilization went down, which caused my score to increased ). XX/XX/XXXX Called Experian again for an update as it has now been 3 days since the change on my credit report - I was instructed to file a dispute. How can you file a dispute if the score isn't on your credit report? I've been getting run around from Experian and can't file a dispute disputing my bankruptcy score or information.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and saw some inquires I do not recognize : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and Global Lending. I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit. This is fraudulent.
Product: Checking or savings account

On XX/XX/XXXX I purchased a pair of shoes through XXXX XXXX XXXX website for {$180.00} using my Citi debit card ending in XXXX. 

According to the tracking, this item was delivered to me on XX/XX/XXXX however, when I went to retrieve the package it was not able to be located. 

I contacted XXXX XXXX good after waiting several days ( their suggestion ) and working with my landlord. The package was never located or retrieved. 

I was offered the option to repurchase the shoes, and once my order was initiated, I could be granted a refund for the lost package. That was not acceptable, as I already paid for a service I did not receive. I should not be forced to make another purchase from them to have the lost order refunded. The refund is something I am owed, not an incentive. 

The delivery photo provided is not clear, and shows several packages. I asked the XXXX representative to advise me which package was mine in the picture? He said that even if he could, it would not make a difference because he can not refund me ; the item is marked as delivered. 

I was ultimately advised to dispute the charge with my bank, which I did. Initially I was issued a temporary credit however, after the merchant provided the same insufficient proof of delivery to my bank, they overturned their decision and the funds were deducted back out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Account with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has, violated my rights. 

15 U.S.C. 1681 Section 602 A. States i have a 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.

Have not provided me a copy of ANY original Documentation ( a consumer contract with my Signature on it ) as required under Section 609 [ a ] [ 1 ] [ A ] & section 611 [ a ] [ 1 ] [ A ]. furthermore, they failed to provide the method of Verification as required under Section 611 [ a ] [ 7 ].

Section 611 [ 5 ] [ A ] of the FCRA they are required by law. Need ALL INFORMATION Promptly DELETE WHICH CAN NOT BE VERIFIED.
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 proceeds 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 1,28c financial loss, and I seek appropriate redress I want the CFPB to publish this and I seek appropriate redress for these violations. 
I want the CFPB to publish this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit bureaus and they have not given me an answer. I've been waiting more than 60 days for a response and they haven't. I have several negative accounts that are affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify XXXX AND TRANSUNION credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX  PARTIAL ACCT # XXXX DEPT OF EDUCATIONXXXX PARTIAL ACCT # XXXX XXXX XXXXXXXX PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # XXXX SOCIAL SECURITY ADMIN ACCT # XXXX XXXX  PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

i made my payment on XX/XX/2022 but becuase bank CHANGED THE LOAN NUMBER IN XXXX without any notice to me the payment was returned that caused that bank claims i was missing a payment after the payment was returned the bank reported my late payment to the 3 credit beuros, this is after the only problem was the bank it self!! I tried contacting the bank they simply laughed at me and didnt wan na help!! i was totally abused by the bank this is affecting me day to day bases as i can not get a new loan for a different property i have attched the 2 bank satments proof they changed the loan number for the same preperty adress and proof of payments from XXXX XXXX and the returen that i was not awaere of
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Tel : ( XXXX ) XXXX e-mail : XXXX XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX  XXXX XXXX XXXX ( address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) and National Credit System , Inc ( XXXX XXXX XXXX, XXXX, GA, XXXX ) regarding a violation of consumer rights and attempted embezzlement of funds. 

On XX/XX/XXXX, my wife and I applied for a lease of an apartment at XXXX XXXX XXXX XXXX. We paid a total of {$700.00} with our application, comprising of {$200.00} non-refundable application fees for both of us, a {$300.00} refundable security deposit, and a {$200.00} refundable administrative fee. However, when we arrived on XX/XX/XXXX ( the first business day after we submitted the application ) to view the apartment, we were denied access on both XX/XX/XXXX and XXXX, thus violating our rights as consumers to inspect the apartment before signing the lease. 

As a result of this violation, on XX/XX/XXXX, we submitted a written request via email to cancel our application and requested the return of the refundable {$500.00}. Despite the application being in " pending review '' status at the time of cancellation, XXXX XXXX XXXX XXXX refused to refund the {$500.00} as required by law, and instead, retained the entire {$700.00}. 

We made several written requests via email for the return of the {$500.00}, all of which were denied by XXXX XXXX XXXX XXXX. Subsequently, at the end of XXXX, we initiated a dispute with our bank, XXXX, who agreed with us and successfully collected the {$500.00} from XXXX XXXX XXXX XXXX on our behalf. 

Now, XXXX XXXX XXXX XXXX is attempting to reclaim the {$500.00} through a collections agency, National Credit System , Inc. ( account in their system # XXXX ; XXXX at XXXX XXXX XXXX - their client number XXXX ), which threatens to adversely affect our credit rating unless we repay the {$500.00}. This action constitutes an attempt to embezzle funds to which XXXX XXXX XXXX XXXX is not entitled. 
My written Dispute submitted to National Credit System , Inc. on XX/XX/XXXX, and a letter dated XX/XX/XXXX ( submitted via USPS # XXXX ) have been ignored by National Credit System , Inc. They continue to threaten to adversely affect our credit rating unless we repay the {$500.00}. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX XXXX and National Credit System , Inc. comply with consumer protection laws and cease their attempts to unlawfully collect funds from my wife and me. 
Thank you for your attention to this matter. 

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

I was part of the XXXX credit information hack. I find it unacceptable that I have to call/write each credit bureau individually and pay to freeze ( and again to unfreeze ) my credit file. Some states ( not mine ) appear to agree with me ( {$0.00} to add/remove a freeze ). 

When an incident like the XXXX hack happens, the burden of protecting my credit is on me. It should n't be cumbersome to do so. 

In my opinion, Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information. 

Thank you for taking time to read my complaint.