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

On XX/XX/2023 I filed a complaint with Consumer Financial Protection Case number : XXXX. After filing the complaint, XXXX XXXXXXXX XXXX retaliate by closing my XXXX account. When I called and required about why my account the representative stated that on XX/XX/2023 that called and told them not to contact them again. Which I did not do nor did I contact them on XX/XX/2023. I asked to speak with manager and when the manager came to the phone, she told me three different stories to why it was closed. She started out with the same lie that I called them and when I asked who they spoke with and the time of the day she changed her story and said they talk with a third party of my home. I asked who the third party was and give me a name she couldn't give one. Then she changed the story again and said it was closed because they had the rights to close account because the way the account handled. I asked her to explain and she would explain to what that mean when I told her I had a letter from XXXX removing all these late fees from the account do the way they handle me and the account. 

This was 100 % retaliation this closed account should not be on my credit report and also paid the account balance in full
Product: Credit reporting

disputed incorrect information and accounts with experian, after thitry day was told accounts and bankruptcies showing on my report we verified as being mine when asked for proof was told they do not have to give me prooof informed rep i have been a victim of identity theft was told to send in affidavit and police report which i did send in was told under reinvestigation after thirt days went by again was told again accounts have been verfied as being mine again asked for proof some thing with mysignature on it or copy of drivers license said again they dont have to supply me with proof.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX is inaccurately reporting my payment status, and worst payment status as included in Bankruptcy. The remarks state Bankruptcy XXXX XXXX, Bankruptcy completed/Closed by Credit Grantor . I have repeatedly been filing disputes with the credit bureaus and filed proof. XXXX is reporting they are unable to use my documentation, even though it is from US Bankruptcy Court, and lists the scheduled Creditors - proof XXXX was not involved. XXXX is requesting I pay out legal fees to get the US bankruptcy court to provide me with documentation XXXX was not included. Transunion, also is continuing to go round and round, stating " XXXX  is accurate '' based on the information they are providing. However, neither company is able to provide proof of XXXXXXXX XXXX  accuracy. XXXX, won't do anything and tells me to file with the credit bureau. The document I provided is legal proof. Additionally, I made a payment to XXXX XX/XX/XXXX ( out of my account ), how would that be possible if they were included in a bankruptcy. When in a XXXX XXXX  payments come from the Trustee not consumer. The Bankruptcy was completed XX/XX/XXXX.
Product: Credit reporting

I have repeatedly disputed XXXX XXXX XXXX XXXX tradelines that have appeared on my credit report for years as not my account. I have requested XXXX to investigate and verify directly and successfully sued them twice for violations of FDCPA ; each time XXXX paying me {$1000.00} for the violation but they continue to report these tradelines. XXXX has continually refused to remove and has confirmed they have zero documentation supporting these are my accounts but rather only that these accounts are on their books. I have served the credit reporting agencies written and online disputes and they continue to allow XXXX to report these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I, never gave any 3rd party any written consent to report anything on my consumer report. No contract is identity theft.

Concerning all accounts as a consumer I am demanding a deletion of these accounts.

Under 15 U.S. Code 1692h. Multiple debts ; If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
Product: Consumer Loan

In XXXX XXXX I went to XXXX XXXX and began a purchase of a XXXX XXXX XXXX. I called Credit Acceptance XXXX Company concerned about the loan and asked if certain things were legal. I even questioned the blue policy of financing a vehicle over the blue book value. The gentleman on the phone said that vehicle was worth the amount that was financed. I financed XXXX for a vehicle that was only worth at best XXXX or XXXX XXXX dollars. After I signed, the contract I found out that the vehicle blue book was below further below for my specific vehicle and that there was a vehicle recall. hazard of rear ended and other issues. The vehicle also was a lemon. I had to have the transmission replaced twice and engine work. The axle broke in the front. Credit Acceptance repossessed my vehicle several times. each time adding excessive fee to recover the vehicle in addition to the cost of the impound and storage fees. I called and tried to alter arrangement by a couple days because of error with my payroll. I would have the money a couple days later. They just came and picked the vehicle up after I had just payed to get it back just a few weeks earlier.I explained to them the vehicle had broken down again and I had to pay for repairs. They received almost XXXX XXXX extra dollars in repossession fees alone in addition to the fact that the vehicle loan amount was too high.
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.Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notified that I am involved in the Equifax dispute. I wish to freeze my accounts at all three bureaus. Equifax and XXXX offer online locks, both websites were unable to process my online request. My attempt was made on XXXX2017. I also tried to call XXXX and waited on hold for almost one hour at XXXX XXXX EST and never got an answer. I did not try to use XXXX 's online service. This worries me, because they say to unlock the freeze online, but their online services are never working.
Product: Checking or savings account

On XX/XX/XXXX my account was accessed by someone who acted as if they were a Navy Federal employee without me providing any information to them at all. They were able to request and approve a loan under my name and tramsferred to a differenr account. I immediately called Navy Fed and let them know of the situation. After a week, they are still holding me accountable for that loan.
Product: Checking or savings account

On XX/XX/XXXX of 2023 at XXXX Central time my account was hacked into by someone in Florida, I live in Texas and never visited Florida in my life, they changed the password, changed my spending limits, changed my pin number, I was unable to access my account, I was unable to get any help from the company until the morning. I got access back to my account, but over {$900.00} was missing, I managed to recover around {$300.00} of it back but the company blatantly refused to give me the rest of the funds back from the fraudulent actions. When I discussed this with them, they basically told me that I was just out of luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. I called CFPB and you called me back apologizing saying you will update it to paid on time for month of XXXX because it was reporting error and that error is showing up on XXXX information. 
The FTC report ID number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

. 
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

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 XXXX XXXX XXXX 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Product: Credit reporting

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy XXXX has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Debt collection

XX/XX/XXXX - Final Account Statement given by original creditor, XXXX XXXX of XXXX XXXX XXXX totaling {$1100.00} XX/XX/XXXX - Request for further documentation pertaining to charges in final account statement XXXX itemized receipts, carpet useful life and install date, etc. ) made to original creditor. No further contact from them. 

XX/XX/XXXX - Account placed with Transworld Systems Inc - Account # XXXX - Balance of {$1100.00} XX/XX/XXXX - Letter sent to TSI denying responsibility for debt, request for proof of validity, and notification of no availability between XXXX CST. Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Recv 'd Date : XX/XX/XXXX XX/XX/XXXX - Response to request for validation. Documents to include validation consisted of documents already ascertained from original creditor XXXX XXXX XXXX Final Account Statement and copy of the lease ). 

XX/XX/XXXX - Call from debt collector attempting to collect debt at XXXX, no name given, call lasted 2 mins 56 secs. Collector was notified that I am refusing the debt in its entirety per the previously sent letter and lack of valid proof of debt. Collector said he would note this on my account. 

XX/XX/XXXX - Letter received from TSI with exact same contents as letter from XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX - Constant calls from TSI debt colllectors XX/XX/XXXX - Letter sent disputing debt in its entirety for third time with clarifying requests original made to XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX XXXX of XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of XXXX XX/XX/XXXX,
Product: Debt collection

The collection agency, CTech Collection Inc., XXXX XXXX XXXX XXXX  XXXX, NY XXXX, is attempting to collected a debt they alleged I owe to XXXX XXXX XXXX XXXX, XXXX, NY, for an exam conducted on my XXXX XXXX baby, XXXX XXXX, 10 days after she was born, on/about XX/XX/year> ; we did not obtain services at that time ; we visited the office, and the nursing assistant attempted to draw blood from my newborns finger, she injured my baby and massive amounts of blood began pouring it, yet, the assistant continued to scrap and re-injure the puncture would with a needle ; I demanded she stop and I left the office immediate with my baby. I have filed a medical complaint with the NYS Dept of Health against the facility as well for same. I also had insurance at this time, which I provided to facility prior to appointment, they stated my insurance would cover visit. Then, they sent bill for {$1500.00} for service did not even received where they injured baby requiring further doctor appointment and emotional trauma. Although requested to stop, collection agency continues to harass with ongoing phone calls and mailings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Citi stating they could not verify the accuracy of credit information. However, I have NEVER applied for a credit card with Citi. The letter provided a reference no. and the letter said to have it available when I call. I called the number in the letter. They requested my social security number before they would talk to me. I have absolutely no intention of providing my social security number. Not sure what is going on here but definitely think it could be fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and fraudulent information listed on my credit report. As a survivor of human trafficking, I am exercising my rights under the Fair credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ) to request the immediate correction of the following 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 XXXX XXXX XXXX XXXX XXXXXXXX ) These accounts are a result of trafficking-related exploitation. I have enclosed supporting documentation, including : Proof of my identity. 
Self-attestation of my trafficking survivor status ( And optional advocate letter or other supporting evidence ) Please remove these accounts and any associated negative information from my credit report within the mandated four- business-day timeframe. 
If you require additional information, please contact me at ( XXXX ) XXXX or XXXX. I look forward to your confirmation of these corrections. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$94.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$220.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$84.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2000.00}
Product: Debt collection

Dear XXXX XXXX XXXX  XXXX XXXX XXXX, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from SYNCHRONY BANK. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

It is located on XXXX Report - Report XXXX XXXX XXXX - I wrote them a letter to stop contacting me and they have repeatedly called my number and has not successfully verified debt even on request.

Under 15 USC 1692c ( c ) that law successfully states : " If a consumer notifies a debt collected that the consumer refuses to pay a debt the debt collect must cease all communications. '' Because they have violated this law, they must cease and desist and the account must be removed. 

Additionally, it is not reporting on all XXXX bureaus and on my XXXX as well. Therefore, it must be deleted for inaccurately reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday afternoon XX/XX/XXXX I tried numerous times to log into my Transition account to unfreeze my credit report, I could not log in every time I tried it told me to call a number, when I called the number it asked me to input certain information, I did and the automated phone system robot stated they were closed goodbye, yet on the website where it stated to call them they were advertising they were open : " were sorry, there was a problem recovering your account information. For assistance, please contact our Website access Support Team at XXXX. Available Monday through Thursday XXXX XXXX  to XXXX, and Friday through Sunday : XXXX XXXX  to XXXX XXXX  Eastern standard time. I tried numerous times from about XXXX on Saturday and finally gave up. 
This caused me allot of stress and problems because I had already easily unfrozen the other two. Now I have to go back and start allover. This is totally UNJUST and false advertising. They need to be held accountable for the hours posted consumers need access to freezes and unfreezes help on weekends.