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

I had a fraudulent charge made on XXXX using my credit card number. I disputed the charge with my credit card company, TD Card. TD Card denied the claim on case number XXXX and referred me to XXXX. I contacted XXXX and was told that they had the order flagged as a fraud and that they refunded the money back to TD Bank. They explained that there were numerous incidents in XXXX of someone ordering phones online and having them sent to the XXXX XXXX using fraudulent credit cards and personal information. They would then, after approval, change the name of the person picking up the phone to their name so that the ID matches the person picking up the item. I detailed this on CFPB complaint number XXXX. I am refiling this complaint because this is the only method in which these people will communicate with me. In the reply from TD Bank employee XXXX XXXX, he states that he sent me a reply. That is false. The only reply I got was through the reply to the CFPB complaint. XXXX XXXX also states that he " contacted XXXX @ the number provided, they were unable to assist us in verifying the transaction as fraudulent ''. I contacted the XXXX Order Review Team again and they confirmed that someone from TD Bank called at the end of XXXX, but XXXX at XXXX told me that they told TD Bank that the order was flagged as a fraud and that the funds were returned to TD Bank. He also said that they provided all of the information asked for by TD Bank. This is a direct contradiction to the reply from TD Bank. Can CFPB please have an investigator call the XXXX XXXX XXXX XXXX at XXXX and provide order number XXXX and they will verify all of this. I can not get a reply from XXXX XXXX of TD Bank either through numerous emails or by phone. He will not reply. I have never had any communication from them. I have already sent my congressman a request for intervention and will be contacting my state attorney general for assistance today. All it takes is for someone to call XXXX and you will see that I am in the right here.
Product: Debt collection

To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced in your communications with me. Please note that statements alone are not sufficient evidence of a debt, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information : The name and address of the original creditor ( CAPITAL ONE N.A. ).

A detailed explanation of the debt, including the amount owed and the date the debt was incurred.

Copies of any contracts or agreements that substantiate the debt. 
A complete payment history showing how the amount was calculated. 
Documentation that verifies you are legally authorized to collect this debt. 
Until I receive the requested documentation, I consider this alleged debt to be disputed. 

Additionally, this letter serves as a formal notice to cease and desist all forms of communication with me regarding this alleged debt. This includes, but is not limited to, phone calls, emails, letters, and any form of electronic communication. Furthermore, this cease and desist order extends to the reporting of this alleged debt to any consumer reporting agencies. Any continued reporting of this disputed debt will be considered a violation of my rights and will be pursued accordingly.

Please be aware that failure to comply with this notice and continued harassment may result in legal action against your agency. Should I choose to litigate for harassment and abuse, the costs will be itemized as follows : Attorney Fees : {$500.00} per hour Court Filing Fees : {$400.00} Damages for Emotional Distress : {$5000.00} Statutory Damages under FDCPA : {$1000.00} per violation Lost Wages due to Court Appearances : {$200.00} per day Other Costs ( e.g., travel, documentation ) : To be determined By choosing to disregard this notice, your agency will be subject to these costs, which I will seek in full through the appropriate legal channels.

Thank you for your prompt attention to this matter. I expect a full and complete response within 30 days of receipt of this letter. Please send all correspondence regarding this matter to my address listed above. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I just received an email stating, I was declined for a loan. I DID NOT APPLY FOR A LOAN!!! And I don't need ANYTHING NEGATIVE listed on my credit history and reports.
Product: Credit reporting or other personal consumer reports

URGENT MATTER Dear XXXX, Experian, XXXX and XXXX I XXXX XXXX XXXX XXXX XXXX Account Name : XXXX, Account # XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$0.00}, Payment Status : Collection/Charge off, am writing to address the violations of 807 ( 3 ) and 807 ( 10 ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 3 ) ,1 ( 1011 ), and 1031 ( a ) and 1036 ( a ) of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ( A ). 
For clarity, I would like to provide definitions relevant to this matter : - " Charge-off '' : The accounting action to remove a Debt from financial statements by treating it as a loss or expense. 
- " Charge-off Balance '' : The alleged due amount on a Debt at the time of Charge-off.

- " Collection Suit '' : Any civil action commenced by Defendant against a Consumer for debt collection purposes.

- " Consumer '' : Any natural person obligated to pay any Debt.

- " Creditor '' : The person that owned a Debt at the date of default giving rise to a cause of action.

- " Debt '' : Any obligation or alleged obligation of a Consumer to pay money primarily for personal, family, or household purposes. 
- " Defendant '' : XXXX XXXX XXXX XXXX XXXX, and its successors and assigns. 
- " Effective Date '' : The date on which the Order is entered by the Court.

- " Enforcement Director '' : The Assistant Director of the Office of Enforcement for the Consumer Financial Protection Bureau, or delegate.

- " Originator '' : The person or successor in interest who extended the credit creating a Debt.

- " Pending Collection Suit '' : A Collection Suit filed prior to the Effective Date that is pending in court as of the Effective Date.

- " Related Consumer Action '' : A private action by or on behalf of one or more consumers or an enforcement action by another. 
I must bring to your attention the decision dated XX/XX/XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX, New York, which rejected XXXX XXXX  's attempt to collect on a charged- off debt. XXXX XXXX 's denial of XXXX 's motion for Summary Judgment highlighted XXXX 's own records indicating a " New Balance of {$0.00} '' and an " internal charge-off '' of the previous balance of {$4600.00}. XXXX was represented by XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX uses Experian to approve loans in my case for veterinary services. 

XXXX approved a 2 loans, one for {$200.00} and one for  {$60.00}, for my pet XXXX and also withdrew a {$40.00} deposit and a {$12.00} deposit from my bank account. 

I received an email of Adverse Action based on Experian - too many delinquent accounts - I have a 100 % stellar record with no delinquency and other misinformation on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to re-investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX However XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 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 a 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. I WANT THESE ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

cooper bank is showing inaccurate reporting information on my credit report. they state that iam 60 days and or 2 payments late in my three credit reports, XXXX XXXX and XXXX accounts. This is incorrect. I have spoken to a representative XXXX XXXX who has stated that this issue was going to investigated and resolved. However The credit bureaus are reporting inaccurate information. My payments where kept in a suspense account and and not applied to my Morgage payment which is not correct and illegal. Secondly I had covid and was off of work and asked several times for help with this matter and no agents or supervisors helped me come with resolution. Third issue I inquired to get assistance with this matter and was told because I sent any email to the Mr. cooper MRC Research Unit email the representatives on the phone could not assist me. L if the payments were delayed why wasn't i offered a Covid program to help me or why wasn't I called to warn me about these lateness. I want these questions answered Mr. Cooper bank failed me and caused me Financial Hard ship and Pain and each agent and representative should be held accountable, with these inaccurate actions. when you are reading this " Place yourself in my shoes ''.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX  and XXXX  Credit Bureaus failed to comply with XXXX Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have a credit card with Walmart, to which I have been in contact with. I am being called multiple times a day, from multiple numbers, that are somehow bypassing my call blocking settings. XXXX XXXX is a collection agency that I have not given permission to call me, and are calling more than four to five times per day. I must have my phone off most of the day due to their infuriating and excessive calls. I miss calls from doctors and contacts that I am actually doing true, and lawful, business with. This company is disrupting my life and falsely reporting to my credit file as an open account. I opened no account with them and provided no permission to share my personal information.
Product: Debt collection

I have disputed ERC Collections many times off of my credit and they have continuously stated that this debt is verified. I have asked for proof of the validity of the debt but have yet to receive it. I want to know what they used and how they are proving that this debt is verifiable.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, TransUnion, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, TransUnion, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, TransUnion, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. XXXX, XXXX, and TransUnion are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.
Product: Checking or savings account

SOMEONE TOOK MONEY FROM MY ACCOUNT AND STOLE FROM MY ACCOUNT AND NFCU CLOSED DOWN MY ACCOUNT AND I CAN'T ACCESS MY ACCOUNT, IT IS RESTRICTED BECAUSE SOMEONE TOOK MY PERSONAL INDENTIFICATION INFORMATION AND DEPOSITED CHECKS, I HAD A BUSINESS ACCOUNT AS WELL AS A PERSONAL AND I DO NOT KNOW WHO DID THIS.
Product: Credit reporting or other personal consumer reports

I have submitted a request for a method of verification on a specific account listed on my credit report. The method of verification was not received as detailed in the submitted letter. I am now submitting a second request for a method of verification of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I submitted an Annual Credit Report Request Form to Equifax and XXXX to get a free copy of my credit file. It says I should receive a response within 15 days. I received my copy from XXXX, but have heard nothing from Equifax. It has been at least 40 days. Can I please get my free copy?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a background check was done on me by First Advantage ( XXXX XXXXXXXX, XXXX, XXXX ), requsted by XXXX XXXX XXXX and by XXXX XXXX for employment purposes.Over the next couple of weeks, I received letters for First Advantage saying they are reporting public record information concerning me to XXXX XXXX and XXXX XXXX.The paperwork said I was XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX. It list the XXXX XXXX XXXX as an XXXX XXXX, when in fact, it was an XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX, that I XXXX XXXX to, on XXXX XXXX. There are various conditions you have to comply to, as a part of the XXXX. In the state of North Caolina, if XXXX of an XXXX XXXX and if XXXX XXXX called for XXXX, you are placed on XXXX XXXX or XXXX XXXX, which can be supervised or unsupervise XXXX.I was on XXXX XXXX XXXX and sometime in XXXX, I weren't able to keep up with my restitution payments as required by my XXXX conditions. My XXXX was XXXX because of this and given a XXXX XXXX by my XXXX XXXXXXXX because the XXXX   had to hear the issue of me XXXX XXXX XXXX of my XXXX.It was reported by First Advantage to above employment agencies that i was XXXX XXXX XXXX XXXX in XXXX, when in fact it was just a hearing to determine whether the judge would revoke, or modify my XXXX because iI couldnt pay my restitution.So the report is inaccurate and caused me not to be able to get employment with these companies. I expressed my concerns but they told me it was correct and told me to go to my local court. My next step is federal court with an lawsuit, but have to follow the proper channels first. All I ask is for this to be corrected or I will pursue legal proceedings in federal court.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report and noticed inaccurate accounts reporting on my consumer report. XXXX, XXXX, XXXX, and Experian are in clear violation of the law under 15 USC1681B. XXXX is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. 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 6802 states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. The original creditor is XXXX, however, XXXX provided an account breakdown with a discharge date of XX/XX/XXXX. XXXX PURCHASED the debt on XX/XX/XXXX per the company 's response to the initial CFPB reporting on XX/XX/XXXX. XXXX violates UCC 9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, payment intangibles, or promissory notes which is for collection only. According to 15 U.S. Code 1962e ( 8 ) communicating, or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. XXXX is to provide the direct contract in which they are authorized to request a payment and NOT a debt collector who bought a debt. If you verify this inaccuracy for the credit bureaus without providing me with all of the said listed items you violate the law, which carries a fine of { {$1000.00} } per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308.
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 violates the Consumer Financial Protection Act ( CFPA ). Cash App failed to take time and effectively 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 E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I first disputed this account in XXXX  when i recieved a response claiming that XXXX can not fulfill my request because they have insufficient information on their end. My information which was state ID, and proof of address. For years they have been denyinh me documentations and not verifying this account. I took it upon myself to right the FCRA & FDCPA noticed I have been being violated this whole time. XXXX can not honor my request based off the inaccurate information they have. Also if they can not validate this account and send me the proof funds, books of recording and along with befenical account holder, - written agreement with my wet signature - what method of payment was used and was I charged a down payment when this has my social security number associated with it which would make this a credit transaction. XXXX cash is never to be applied, accepted or bargained with. 
XXXX XXXX has no promisble purpose to furnish any account associated to me. Please provide with within the agreement or contract i was given proper disclosures. Please provide me my wet signature of me opting in credit reporting and the option to OPT-OUT full disclose as states in 12 CFR 1016.7 - FORM OF OPT OUT NOTICE TO CONSUMER : OPT OUT MENTHOD I have repeatedly request Transunion, and Experian to remove this account several times because these companies to are causing adverse reaction against me and my creditworthiness.

My credit report has serveral errors and the company XXXX is out of compliance per sec. XXXX - Compliance Procedures **** EFFECTED IMMEDIATLY TO : XXXX THIS IS YOU FORMAL NOTICE TO CEASE & DESIST ALL COMMUNICATION INCLUDING ALL 3RD AFFILITIE SHARING AND CREDIT REPORTING. PLEASE REPSOND ON THROUGH U.S MAIL AND THESE COMPALINTS. 

XXXX XXXX Transunion did not do a proper investigations after serveral attempts. XXXX deleted after proper investigation. 

These are the violations XXXX violated 1. 12 CFR 1016 .10 LIMITS ON DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES 2. 15 USC 1692g - VALIDATION OF DEBT 3. 15 USC 1682 - PERMISSIBLE PURPOSE OF CONSUMER REPORTS 4. 15 USC 1681i ( 5 ) REMOVAL OF INACCURATE UNVERFIED CREDIT INFORMATION 5. 15 USC 1681b INACCUARTE FALSE REPORTING 6. 15 USC 1681e ( b ) COMPLIANCE PROCEDURES MAXIMUM POSSIBLE ACCURACY I understand each violation is payable up to {$1000.00} per Fair Credit Reporting Act. I would like to excerise my rights because of the damage and harm for so long of trying to fix this issue ahs caused massive pain and suffering on top of my creditworthiness being tarnished.