23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On today, I redirected by FTC to contact CFPB again concerning this matter. 

Originally, I mailed a certified letter and still awaiting verification of the debt. I requested the following items and still did not receive them yet the inaccurate account information still resides on my credit reports today. The law states that since they are in violation and did not provide the requested items before to verify the debt before placing on my credit report, I am entitled to contact a Fair Debt attorney. Since the debt collection agency has violated the Fair Debt Collection Practices Act, I am now entitled to actual damages, attorney fees, and up to {$1000.00} I requested the following items as verification of debt and never received them. 
1. Itemized statement of all charges and credits on the above mentioned account from the date the account was allegedly opened to current date to substantiate the amount that you are attempting to collect.

2. Proof of assignment of the alleged debt from the original creditor, or proof of your purchase of alleged debt from the original creditor.

3. Statement confirming that no part of this debt was paid by an insurance claim or used as a write off for taxation purposes.

4. Amount you paid for said debt 5. Date of last activity/payment 6. *Provide copy of HIPAA authorization furnished by the original creditor The law states that before Amerassist AR/Solutions Inc. placed this inaccurate information on my credit report, I was to be provided with the following ; ( They failed to provide and is in violation of several laws including the ones below ) Fair Debt Collection Practices Act ( FDCPA ), within five days of initially contacting you ( they never contacted me before placing the information on my credit reports ), a debt collector must send you a written debt validation letter that contains the following information : The amount of the debt ; The name of the creditor to whom the debt is owed ; and A statement that unless you dispute the validity of the debt within 30 days after receiving the notice, the debt collector will assume that the debt is valid Also, The Consumer Financial Protection Bureau ( CFPB or " Bureau '' ) issued a second debt collection final rule that : clarifies the validation information and disclosures that a debt collector must provide to a consumer at the outset of debt collection which requires debt collectors to take certain actions before furnishing information about a consumer 's debt to a consumer reporting agency ( CRA ). ( They have failed to provide the following ; Debt collector communication disclosure ; Account number of from original creditor Itemized current amount of the debt Amount of the debt on the itemization date Itemization-related information such as a printout of all debits and credit and a showing balance Information about consumer protections Consumer-response information Consumer dispute prompts Since Amerassist AR/Solutions Inc. is currently in violation, the law states that I am entitled to actual damages, attorney fees, and up to {$1000.00} Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the correction of my Credit File from fraudulent information by having the fraudulents items removed from my Credit File. I have been sending dispute letters and CFPB Complaints to the Credit Bureaus and yet the Credit Bureaus have sent me nothing. I am executing my Consumer rights under the Fair Credit Reporting Act section 605b, which requires the Credit Bureaus to remove the disputed accounts and information from my Credit File that resulted due to identity theft. Also, the Credit Bureaus have been claiming that the disputed are verifed and are accurate per Creditors ' verification. However, the Credit Bureaus failed to send me copies of proof of verification from the Creditors. I believe that the Credit Bureaus have not done any investigation since they have failed to send me documents that I have been requesting fo quite a long time. This action of the Credit Bureaus is a clear violation of a consumer rights! If the Credit Bureaus do not comply with the reqyests, please understand I will initiate a lawsuit. Once again, I need the following items removed as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$94.00} XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX 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 or other personal consumer reports

Please be advised that as of XXXX as listed on my most recently reviewed Equifax consumer credit report, there are several fraudulent / unauthorized inquiries listed : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I, XXXX XXXX am hereby notifying you that these inquiries are fraudulent and neither on those dates or dates similar did I authorize any individual from Equifax to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Product: Credit reporting or other personal consumer reports

I recently conducted a comprehensive review of my credit report as part of my professional responsibilities and was deeply troubled to uncover a significant number of unverifiable, invalidated, inaccurate, and questionable items. It is imperative that your agency ensures the absolute accuracy of the information it reports. 

As mandated by the Fair Credit Reporting Act, it is incumbent upon credit reporting agencies to maintain a credit report that is 100 % accurate. These accounts, as outlined in both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in clear violation of this crucial requirement. 

I expect prompt and thorough action to rectify these inaccuracies in compliance with the law and industry standards. Your agency 's adherence to these regulations is essential in maintaining the integrity of the credit reporting system.
Product: Money transfer, virtual currency, or money service

Block , Inc also deprived Cash App users of meaningful and effective customer service and left the network vulnerable to criminals defrauding users. While Block included a telephone number on the back of its Cash Card and in its Cash App Terms of Service, for many years this telephone number did not connect consumers to customer support of any type. Instead, it led to a pre-recorded message directing consumers to contact customer support through the app. Consumers could only contact Block through the app or through U.S. mail and were often met with delayed, inadequate, confusing, or inaccurate responses. Consumers looking for an alternate route to Cash App customer service through web searches were targeted by fraudsters posing as Cash App representatives, who tricked them into giving up their passwords and other personal information. Block knew that its customers were being targeted by fraudsters in this way but failed to take timely action to address the issue.

Enforcement Action
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have the fraud alert removed from all 3 of my reports and have yet to see the removal. I have called and mailed several letters and I have been delayed funding due to this problem. I need this removed immediately.
Product: Student loan

i took this loan out in 2009 for {$9000.00} it has been transferred to three different lenders since then.The interest rates are so high.even when it its deferment or forbearance. teh monthly payments are not affordable.my loan is now at a little under {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Product: Credit card or prepaid card

I received a fraudulent CashApp in the mail. The fraudulent card does not have any phone numbers on it, nor does the letter enclosed with the card. After searching the internet I found a number to call. After waiting several hours for a call back I received a call from CashApp ( XXXX ). The person on the phone was told that I received a card in my name which I did not request. The person on the phone said there was nothing they could do over the phone to close the account. This was the most bizarre exchange I have ever had with a company. They seemed to care less that a fraudulent account was opened. I then asked for the account to locked down if it couldn't be closed and again the person on the phone refused. I now have a card in my name that I did not request that I have no control over and the card issuer CashAPp refuses to cancel. This company needs to closed down for these practices as they are allowing this fraudulent activity to occur.
Product: Money transfer, virtual currency, or money service

Zelle Lawsuit because the reason I dont use it anymore is because of so much money Ive lost dealing with the app
Product: Credit card or prepaid card

Synchrony Bank sent me 3 emails indicating I had opened an XXXX XXXX XXXX credit card. A deposit had been made and they needed my application completed. I called 3 different numbers for Synchrony Bank and got through but they just dropped the call. I called XXXX asking how the bank got my email address and they didn't know. I can not reach the bank to get any info about a credit card I did not open.
Product: Credit reporting, credit repair services, or other personal consumer reports

2. I decided to get my credit pulled due to a bill 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.I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX USA XXXX XXXX, 01 XXXX XXXX, 01 XXXX XXXX XXXX XXXX, 01 XXXX XXXX XXXX, 08 XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, Company Inquiries : XXXX XXXX US XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian refuses to block this information that resulted from identity theft. I notified them that my ID docs were previously stolen and I included my police report, affidavit and ID docs to no avail. I did not open this account, nor did I apply for it. This must be blocked pursuant to section 605B of the FCRA. 
XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4400.00}
Product: Consumer Loan

Comapany block customer for 7 days before making another payment. I have called and was told to wait 7 days. If consumers ca n't make payments, IR balance will increases. This customer is forcing consumers to pay more money in IR not fair and very fishy..
Product: Debt collection

My complaint is from the Very Beginning Mountain Lion was very Cantankerous & trying to bully me around over the phone. Then later I received a Notice of Wage Garnishment of {$18000.00} from Mountain Lion Acquisitions. This company did not lend me {$18000.00} they purchased the loan from the Original owner Cash Call who lent me {$5000.00} to pay my Federal taxes. Therefore I do n't believe its Honest, Integrity or Fair for them to try & collect {$18000.00} from me when that 's not the Correct Accurate amount of the Original Loan. Mountain Lion nor cash call ever tried to work with me Mountain Lion just called me all the time with threats & this Ridiculous offers that no one can comply with unless your Rich, not a Normal hard working person that Pays the Correct amount of Taxes legally & Do n't Cheat on their tax returns & say I do n't know I just gave everything to my CPA yeah you know. Mountain Lion are in Violation of the Fair Debt Collections Practice Acts 15USC.1692., Common law malicious prosecution, & they are violating the declaratory relief under the California Finance Lender law XXXX, Mountain Lion is also in violation of the Roenthal Fair Debt Collection Practices Act California Civil Cod 1788, etseq. These kind of Company are Big Time LOAN SHARKS that should be prohibited to do Business because they PREY on Innocent hard working people like me! Also they Claim Millions of dollars on there tax return & write it down to mere pennies or some where around {$2500.00} and Rip off innocent people .They really were never willing to work with me they always asked for ALL the Money up front the Whole amount or more. They asked me for {$8500.00} the whole amount up front & then they just kept raising to {$9100.00}, {$11000.00}, {$16000.00} & Now {$18000.00}. If I had that kind of Money just laying around, then I would have never needed a loan in the First Place. Also With cash call they never tried to work with me if they did it would have not gotten this far I believe Cash call & Mountain Lion work as a team to Rip off people & That 's why they have a TV Commercial now. In the Very being something happen with my account & XXXX was not able to get paid from my account & when I tried to work with them They said NO we want all the Money up front & they would not take the payment arrangements any more & was so Rude, Mean, Nasty & Very Unprofessional. Then Mountain Lion calls me & they acted the same way mean & Cantankerous!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute about my credit report and the incorrect items on my credit report. Its been over 30 days since I contacted them, and have not received any investigation results back yet, so hence this complaint. Below are the accounts I have problems with, please review and help me out with this. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Previous attempt to the XXXX, Equifax and XXXX to update my Legal name to my true name as met with indifference and inaction. This is a violation of 18 U.S. Code 242 - Deprivation of rights under color of law,
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address and my SSN card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX 4 DIFFERENCE OCCASIONS AND HAVE SENT AND CONTIUE TO SEND DOCUMENTATION FOR INQUIRES THAT ARE NOT MINE! THEY CONTINUE TO GIV EME TH ERUN AROUOND WITH NO ASSISTANCE. I WAS TOLD TOLD TO COMPLETE THIS REPORT WHICH I HAVE AND SENT IT IN, 5 TIMES AND TH EWLATEST BEING CERTIFIED. THEY HAVE YET TO RESPOND AND I HAVE SEVERAL CONFIRMATIONS SHOWING THAT THIS WAS RECEIVED.
Product: Credit card

About a year ago, we signed up for a XXXX security system, which came with a {$2000.00} interest free " retail credit '' to pay off the equipment over time. The retail credit was covered by Fortiva. 

We were notified last week that we would be receiving a Fortiva Credit Card. When the card came in the mail, I called to let them know I didn't want the card. I was told by the representative that I HAD to accept the card and that the balance of our security system equipment would be transferred to the credit card and would accrue interest at a rate of 25.99 %. This isn't what we signed up for, and is extremely predatory. 

I was able to pay off the lump sum of the balance ( {$1500.00} ) and close the account, but had I not been able to, we would have been responsible to pay significantly more than we signed up to pay.
Product: Credit card

Citizens Bank credit card statement shows the balance as of the day before but not actually the amount due. It does show the credit limit and the amount of credit available but not the amount due on the due date. 
The consumer feels compelled to pay the current balance shown. The charges shown are not the ones falling into the billing period. 
A few months ago I spent significant time trying to find the amount actually due and finally did but this period it is impossible.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto loan was opened on XX/XX/2018, but the payment history for XXXX, XXXX, XXXX, and XXXX of XXXX is missing from my credit reports, which yields an incomplete description of the payment history. Please update the payment history for this account or remove the account from my credit report for being incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file. 

Proffered Lease, XXXX XXXX, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my XXXX  ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts. 

I am demanding XXXX XXXX, XXXX XXXX, XXXX XXXX & Preferred Lease remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.
Product: Credit reporting or other personal consumer reports

Incorrect information my credit report, delays resolving disputes. These inaccuracies have negatively impacted my credit score and caused undue stress and difficulty in managing my financial affairs. Despite multiple attempts to resolve these issues, Nothing has changed.
Product: Checking or savings account

I had a checking and saving account in Citi Bank. Citi closed my these two accounts on XX/XX/. But, up to now, I have not received any funds from these two accounts. I called Citi Bank several times where is my funds. But, no any response.
Product: Money transfer, virtual currency, or money service

I have been trying to close my account and transfer funds to my XXXX account. They have been verifying XXXX account for months.They continue to take money out of my XXXX account and are not returning. Since XX/XX/year>, they have taken XXXX dollars and only returned XXXX. I have not received my balance in my XXXX account. They are not only holding on to my cash balance for months but are taking more money from my XXXX account. I have asked when my verification money will be returned and they keep pushing the date farther out.
Product: Credit reporting or other personal consumer reports

I opened up a line of credit with Tally Technologies and the debt has been canceled. XXXX is the only agency still reporting this debt to my credit report. 

XXXX. According to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting : The Congress makes the following findings : ( 1 ) 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. XXXX is the only agency reporting this account. 

XXXX. I received a copy B of a 1099C showing that the debt has been canceled. 

This is inaccurate reporting and should be removed.