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

I have additional information regarding my request from XX/XX/XXXX to BLOCK account, XXXX XXXX, fraudulently furnished on my EQUIFAX credit file. Be advised that I do not have any liens in my name related to this account and have attached the MA Secretary of State 's certified report reflecting such. 

With that said, in response to EQUIFAX refusal to block the fraudulent account, on XX/XX/XXXX I submitted a CFPB complaint # XXXX in which I requested that EQUIFAX provide me with the material proof that led them to determine that the XXXX XXXX account is actually mine. In response I received a letter by mail on XX/XX/XXXX, dated XX/XX/XXXX, falsely stating that they will not block the information because I need to provide proof of identity, specific information that is the result of identity theft, and a copy of FTC identity theft report. Note that I have submitted the following to EQUIFAX on three occasions : 1 ) letter regarding identity theft and requesting block which included my ID, 2 ) police report, 3 ) and an FTC Identity Theft report. These documents were submitted via EQUIFAX webportal on XX/XX/XXXX, and attached these documents to the related CFPB complaints I have opened : # XXXX and # XXXX. 

NOTE THAT ANY RESPONSES FROM EQUIFAX REGARDING THIS MATTER SHOULD BE SUBMITTED VIA THE CFPB PORTAL AND NOT VIA ANY OTHER DELIVERY METHOD. 

I've attached the following supporting documents : Secretary of State certified lien report ; Letter sent to EQUIFAX w ID ; Police Report ; FTC Identity Theft Report ; Letter disputing EQUIFAX 's refusal to block ; Confirmation of documents receipt via EQUIFAX online portal ; EQUIFAX 's response letter dated XX/XX/XXXX ;
Product: Debt collection

I received an email from Direct Recovery Services indicating that it was a final notice to collect a debt for XXXX for {$480.00}. I do not have and have not had an account with XXXX and have never been contacted by this or any other company in regards to this debt in the past. Since I do not know who they are, I do not want to call them or open any attachments from their email.
Product: Credit reporting

I am trying to purchase a home and there are many accounts on my credit report that are still reporting negatively on my credit. I have tried disputing the items and hiring agency 's to help me resolved these negative inquires and accounts. I am yet to see any removal. Please assist as you are my last resort.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 reported in to be removed.

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

I have couple of issues, ( Transunion ) I have a debt with XXXX XXXX that I never opened, A personal trainer fraudulently signed me up for a membership in a attempt to collect a commission, I DID NOT SIGN A MEMBERSHIP WITH VASA I WANT THIS OFF MY CREDIT!, I also have a collection for a insurance policy with progressive that I canceled and moved the day the policy expired, I paid my premium monthly ( this is documented ) monthly installments are canceled if payments aren't received so there's no way to have a outstanding balance, this XXXX collections company doesn't care about this because they've invested money purchasing the debt so they are insistent about collecting in spite of the debt beginning illegitimate. Transunion doesn't care about this issue as well .... I assume my I low credit score and rating are to blame I'm not a real person as far as they are concerned so why take the time to handle this issue, simply put its economic racism " low credit score lives matter! '' Issue # XXXX I had XXXX run a dark web scan with my ssn and DL and there are inquiries and other credit issues all over the country that obviously I'm not responsible for so I froze each credit file but my name, ssn and DL have been seriously compromised and I'm not sure what to do any advice would be greatly appreciated. 
Thank you, XXXX XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with accounts listed under CMRE. I requested a validation on XX/XX/2019 as there was an account listed that I did not recognize as I have always had insurance/XXXX that fully covers my medical. On XX/XX/2019 I reviewed my credit profile again as CMRE had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2019. Credit report was reviewed again on XX/XX/2019 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Product: Checking or savings account

I deposited a settlement check in Bank of America atm onXX/XX/2019 around XXXX Eastern time in the amount of {$9100.00}. My receipt printed with a entire hold on my check until XX/XX/2019 @ XXXX for funds availability. I read BOA check holding policy it says 2-3 business days. It shouldn't take 9 days for a check to clear. How can they estimate when my check gets cleared. It could clear in 3 days but I was advised I still wouldn't receive my funds until XX/XX/XXXX. I called customer service for Bank of America and no one could explain to me why they are holding my deposit for that long. I am extremely disappointed and I want answers.
Product: Credit reporting or other personal consumer reports

On the day of XX/XX/year> at around XXXX XXXX  I had been shopping in the XXXX XXXX XXXX XXXX in Wyoming Michigan when I left my wallet in the parking lot. I contacted XXXX XXXX Police Department and my wallet was retrieved with my personal belongings missing such as my drivers license and my social security card. Currently within the pass few months i have noticed some unauthorized inquiries hitting my credit reports consumer reports such as XXXX, Experian and XXXX. My credit score has dropped traumatically. Please take in consideration that I am a victim of identity theft and help protect and secure my personal information. Thank you..
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I found disrepancies on my report with XXXX XXXX, XXXX, Experian Acct # XXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Product: Prepaid card

Used XXXX to load money on my prepaid PayPower XXXX card but it was not added to my account. Have a confirmation receipt from XXXX, have the actual hard copy of the receipt that I have emailed XXXX times to the company and called close to a dozen times, spoke with several supervisors but yet over and over again they pass the buck and can not offer a resolution. It has been almost a month and still they have not credited my money.
Product: Checking or savings account

Wells Fargo Letter/ XX/XX/2022 CFPB XXXX XXXX RE XXXX XXXX. 
SETTLEMENT ADMINISTRATOR XXXX XXXX  XXXX XXXX, MN XXXX INFO @ WFSETTLEMENT This information at the top of the letterhead regarging our address is CORRECT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX MY COURT ORDERED XXXX SETTLEMENT HAS NOT BEEN SENT BECAUSE BECAUSE YOU ARE ONCE AGAIN ESCAPING THE COURT ORDERED. 
XXXX HAS NO PROBLEM AND THE IRS KNOWN THIS IS MY ADDRESS. 
XXXX XXXX XXXX. IS HAVING PROBLEMS WITH WF. PLEASE EXPLAIN THE UNTRUTH THAT WELLS FARGO AND XXXX XXXX TO THE CFBD AND MYSELF!
Product: Debt collection

Portfilio Recovery Associates XXXX XXXX XXXX XXXX VA XXXX, is trying to collect a debt I have disputed as not mine. They sent me after I disputed the charge for {$220.00} and it appeared a charge on my account that was a result of some sort of Identify theft or a charge that is fraud. 

PRA sent me a copy of my XXXX XXXX statement and it did not document the actual charge or merchandise that they supposed I did charge. I believe if it is my mine, which I do not believe since they have unable to send me any XXXX XXXX charge slips that show my signature for this disputed charge, even though I have requested in writing XXXX times for this documentation. 

PRA is calling my home up to XXXX times day, even though I have disputed this charge. This is in violation of both Federal and State statues which prevent harassment from these types of tactics. 

I would like PRA to provide me with the actual charge slip that backups the supposed charge that I owe or discontinue the collection of this charge.
Product: Payday loan, title loan, or personal loan

I accepted a loan from AvailBlue for {$350.00}. I was told when they would drafting the first payment, amounts etc. Prior to accepting the loan I spoke with the Agent and asked him about early pay off. He told me I could in fact pay the loan off early and just paying a small amount above the {$350.00}. I called today to make sure and the woman told me I was given incorrect information. She even verified that she knew they gave people misleading information but you are still stuck with paying this loan. I am paying almost {$1000.00} for a {$350.00} loan that I got barely three months ago!! I told them had I known that I would not have accepted the loan which is why I asked before accepting. I was told something totally different it seems just to get me to accept.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several hard inquiries that I DID not authorize. I've also contacted the companies and the bureaus. I sent letters and did online disputes with NO RESOLUTION. 

Here are the one inquiries that I did NOT authorize : XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX Institution Information XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Bank Institution Information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX ) XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Bank ( XXXX XXXX XXXX Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a dispute letter for an inquiry that was on my XXXX report to PAYPAL via SYNCBPAYPAL on the XXXX of XXXX but it came back undeliverable. I use the address on my report which was XXXX XXXX XXXX XXXX, MD XXXX. 

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( XXXX XXXXXXXX. XXXX ) I have not initiated any transaction with PAYPAL via SYNCBPAYPAL. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with PAYPAL via SYNCBPAYPAL for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Debt collection

XXXX XXXX XXXX XXXX contacted me several times about an outstanding debt from XXXX XXXX. I informed the debt collectors that I had no outstanding bills for this creditor. After several months a phone tag I was able to find out that the owner of the debt was actually national rent a car. I agreed to make a payment for the amount due. The payment was scheduled for later in the week on XX/XX/13 however the collector chose to proceed with an unauthorized debit to my account the very next day. Such practice is not only in direct violation of the Fair credit consumer reporting act but also an act of petty larceny. First financial asset management was contacted and one confronted about the issue offered a refund which has not arrived in a timely fashion.
Product: Debt collection

In XX/XX/XXXX, I disputed an account reported by XXXX  on the file you maintain under my Social Security number. 
I was informed on XX/XX/XXXX XXXX that the item was deleted from my credit report.You have now reinserted this FALSE Negative item BACK on my credit, as of XX/XX/XXXX, it is still there. It should not have been updated or VERIFIED, but remain DELETED!!

The FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), says they are required to notify me of the reinsertion in writing within 5 business days. 
I received no such notification. This is a very serious violation of the FCRA,. 
Please delete the item from my credit report .It is actionable and they are in violation
Product: Checking or savings account

For over a month I have been attempting to access my XXXXXXXX XXXX  XXXX account. When I login I get a technical error saying that I do not have access to my account. I have called XXXX times each time Im asked to repeat the same steps over and over again, with no resolution to the issue. XXXX times a help ticket has been created and sent to their IT department. I have never heard back from any of these tickets. When I reach out via phone or email to follow up, I receive no response as to the status of my help ticket. All they do when I call and ask for help, is ask me to change my password over and over again and asked me to sign in multiple times which provides no resolution to my issue. I am unable to access tax documents. I am currently pregnant and unable to issue reimbursements from my XXXX accounts for medical expenses.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Inaccuracies and HIPAA Violation To Whom It May Concern : This letter is being sent to you in response to your recent letter. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, The date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX XXXX 
HIPAA Collection Agency Validation, Dispute, Cease & Desist This letter is to notify the agency that the debt is beyond SOL, or is invalid for other reasons, and subject to the HIPAA privacy laws. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB XXXX XXXX  and XXXX XXXX XXXX for violations of the FDCPA, FCRA XXXX and Federal and State statutes on illegal collection activities on any account that may be time barred as well as in violation of [ name of your State ] medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX
Product: Mortgage

Filed a complaint against BSI XXXX 2016. Sent my payment in on XXXX XXXX, 2016, they alleged it did n't arrive until XXXX XXXX, 2016. I feel as though I am being penalizing for complaining. It does n't take 5 business days to post. Either someone held the payment or did n't check the XXXX XXXX on the XXXX. 

Secondly, I want to a full explanation of the {$350.00} fee charged to my account ( XXXX ) that they refuse to explain. I also want a full refund based on the reply given for the prior complaint. I do n't want a credit, I want refund.
Product: Debt collection

Make sure you read all of this or it will be detrimental to Southwest Credit Systems.
Notified debt collector about verification of debt. What was sent back does not verify that I XXXX XXXX owes the debt. It does verify someone by that name does owe it. The verification also does not allow for the satisfaction of the Fair Debt Collection Practices Act. The debt collector also reported this to my credit report. Either the debt collector provides the correct validation ( bills do not show I owe the debt ) or I will file a law suit pursuant to the Fair Debt Collections act. Also please provide your companies attorney information so I may file the suit. Total legal amount not including damages is currently at {$3000.00} plus attorneys fees and I will win because the law states that so long as I am requesting verification and the collection agency has yet to follow the law I will automatically win. Also Southwest Credit Systems does not appear to be licensed to collect in the state of Tennessee. If this continues I will ask the courts for permission to sue outside the limits and I will sue for millions.
Product: Credit reporting or other personal consumer reports

I received an email from a website that I use to keep an eye on my credit. Email stated that a hard inquiry had been posted to my credit report. I knew that I had not applied for any type of credit or loan, so I looked into it. It is dated XX/XX/2023 by TD Bank USA/ Target C. I do not shop at Target, nor do I wish to have a target Credit Card, nor have I ever applied for any type of credit with this company. I can only assume this is either a scam or stolen identity.
Product: Checking or savings account

I have not received any check for {$28000.00} from you guys as said by your letter. Please issue me the check for the exact amount as stated in your letter for my XXXX XXXX. Also my account XXXX account is still missing its closure check for {$890000.00} that was debited at close out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the company and the consumer financial protection bureau XX/XX/2022 in regards to XXXX  publishing my information per the CRAS. XXXX is in clear violation of the law, the initial complaint was about them publishing transactions on my credit report in which pursuant to 15 usc 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. Furthermore, the Fair credit reporting act 15 usc 1681 ( 2 ) ( a ) ( I ) - ( 2 ) -EXCLUSIONS-Except provided in paragraph ( 3 ), the term consumer report does not include- A ) -subject to section 1681s-3 of this title, any- ( i ) - reporting containing information solely as to transactions or experiences between the consumer and person making the report ; The reporting of my experience and transactions is illegal and furthermore has damaged my character, my reputation, my general mode of living, bd my ability to obtain credit for personal and house purposes.
Product: Mortgage

On XXXX XXXX we have purchase our first home, and we did not ask any question about anything we were very excited for our new home, we did not bother to ask like millions of home owners, but our Ignorance of the law we couldn't see anything wrong until we starting looking for information about our property we starter seeing that every single document in our possession was not sign, however we start to get info and research about this matter and after consulting a 25 year experience CPA we were able to find out that our XXXX XXXX  was not even a Mortgage, no signature it was no loan in other words it was a fraud. after months of research and study we came to the conclusion that in fact was a fraud, so therefore is null and void. After digging with the help of our CPA we were aware of the Known concept of Generally Accepted Accounting Principles ( XXXX ) giving us the understanding how the Banking System works. with over XXXX hours of research we starting to comprehend what was really going on. Now we know that our loan was a deposit According to XXXX and and expert CPA name XXXX XXXX XXXX here is the link : XXXX : XXXX out of this document our eyes has been open