23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt collector H Kent Hollins filed for garnishment 4 times including emptying my bank account. They have repeatedly harassed me with phone calls at all times day and night. They filed a lawsuit against me for XXXX $ owed. Which was due to me moving out of state and have sent communications to my employers regarding my debt. Since they bought the debt ( to which I tried settling with the original debt or as well as trying to settle with the collector and the collector refused to settle ). They have levied multiple unexplainable fees, 300 % over the original amount and will also charge additional fees to pay over the phone etc. They are not out to settle a debt, they bought a debt and have levied fees against it in order to balloon the balance. I have reported them to the XXXX, the KS Attorney General as well as you guys in order to stop their aggressive collection practices, their defamation via garnishment and their addition of misleading fees against a debt that has been paid for all intents and purposes.
Product: Credit reporting or other personal consumer reports

inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX, PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7 I HAVE NO CONTRACT WITH CAINE AND WEINER ACCT # XXXX  AND THEIR IN VIOLATION OF 5 USC 552a
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumerreporting agency can not furnish a account withoutmy written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reportingagency may make any consumer report containing any of thefollowing items of information Any other adverse item ofinformation, other than records of convictions of crimes which use to antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish anyinformation relating to a consumer to any consumer reportingagency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of my current loans are showing up on my credit report with EQUIFAX only. The other two agencies are accurate. I called my mortgage and auto loan company and they both confirmed they are reporting to all three agencies. 

When I call Equifax located in the XXXX, I have a hard time understanding or hearing them and I am not sure they understand what I am asking them to do. They were so focused on the security questions, we did not spend much time addressing the problem. For example, they kept asking me about an AUTO loan which I explained YES, I have a current AUTO loan with XXXX XXXX. They asked about about another AUTO loan and I explained, I did not have any other auto loans. I then asked, could you be referencing a MOTORCYCLE loan? They would not answer me. I had a MOTORCYCLE LOAN with XXXX over 10 years ago. Once I was able to actually get my report and use it to answer the questions, I was able to answer the questions successfully. 

Again, they went back over 10 years- no way I can remember credit cards and balances from 10 years ago! Not a fair or good process to confirm identity. I ended up having to send my drivers license, social security card and passport via fax and they still gave me a hard time with security questions but never addressed why nothing was updated on my account since 6 years ago. They were clueless and not helpful at all. I spoke with 5 different people yesterday and today and hence I won't likely be getting refinanced anytime soon without my EQUIFAX report being updated.
Product: Debt collection

Calling at XXXX in the morning. My health clubs address is in Arizona. My billing address is in Arizona. Any reasonable person would conclude that I live in arizona, and thus in Arizona Standard Timezone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my tXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I have requested information from Experian and XXXX and XXXX to verify the status of multiple delinquent accounts on my credit report that have been paid off. However, both agencies have refused to provide the necessary documentation to confirm this, despite my efforts to resolve the issue. This lack of cooperation has hindered my ability to rectify my credit report and obtain accurate information regarding my financial standing.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX, NY, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY, XXXX
Product: Mortgage

The original loan was approved for an exit out of a construction loan in XX/XX/XXXX. Going into the final re-finance of the loan, 5 months later, the appraisal based on plans was reduced by nearly {$80000.00} in a market that is increasing in value or at worst holding stable, but far from devaluing. The mortgage lender approved the loan using stated incomes and the associated documentation, as of closing 5 months later, the mortgage lender disallowed substantial portions of the income that were original approved without rational other than blaming the unseen/unknown " underwriter ''. Subsequently, the mortgage broker has been demanding that massive amounts of additional documentation be provided to get the loan closed, including financial statements from third parties to the loan as they were compelled to participate due to the ongoing changes perpetuated by the mortgage broker. The third party justifiably refuses to release personal financial information beyond certify they did gift the money and producing a receipt for the transaction of the gift funds. Further, this loan should have closed 45 days ago, but has been drug onward at some expense to continue to hold rate locks while the market is falling on rates ... effectively paying to hold a a more expensive rate versus current market rates. This loan has yet to close and near as I can tell will not close due to the delay and hassle of the mortgage broker and his representatives. 

This loan was approved in XX/XX/XXXX pending completion of construction based on the same documents provided 60 days ago and provided today. That information has not changed even if the ability to read XXXX and retirement statements compared with straight XXXX has miraculous been reinterpreted. Near as I can tell this out right fraud or bait and switch tactics that the law attempted to avoid with changes back in XX/XX/XXXX because its put me in the position of taking out a construction loan based on a guarantee/promise of a documented re-finance out, a promise now being broken. 

Agent : XXXX XXXX ManagerNMLS # XXXX : XXXX XXXX XXXX XXXX, XXXX, ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report that I have disputed prior and these inquiries are with companies that I have no open accounts with. Please DELETE the following inquiries from my consumer file unless you can furnish an original document with my signature showing permissible purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

U.S. Code 1681. I never gave anyone or business a written consent to furnish or obtain any of my information. Please remove XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in multiple disputes to Experian regarding account requesting in compliance with this method of investigation request, to provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

After 4 attempts XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. A Copy of the letters are attached.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balanced {$XXXX} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and noticed several inaccuraties on my account. This account is hurting my ability to obtain credit. Its to my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate- XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I AM FROM NEW YORK STATE On XXXX/XXXX/XXXX Ive reached out to someone XXXX XXXX sell my portion of bitcoin to. I found this person via XXXX. After talking through text for a few hours, we agreed upon $ XXXX For XXXX XXXX, the {$340.00} was to be paid by him via the cash app. 

This scammers number was a voip number. 

Initially I sent a small amount of BTC to him and he sent money via cash app. I figured it was okay to continue the rest of the transaction. 

Sent XXXX to him and that was it, i called texted and received zero response. 

Frustrated his has happened, I went back to the original XXXX ad. Instead of texting the number on the ad, I emailed instead asking to buy XXXX BTC in cash The original XXXX ad was set to XXXX, PA. I received an email response a few hours later from XXXX XXXX  asking if I was from California. I told him yes and began chatting on where to meet up to make the sale. 

I learned he is in XXXX, Ca, so I called the XXXX police department and explained to them what happened. A detective will be calling me back on a weekday to talk further. The officer I spoke to said its most likely can set up a sting to catch him. 

I have tried to call Coinbase but the dont have an actual phone number. 

I have called XXXX cash card and explained to them what happened, asking for the phone number of the person that scammed me. 10 days until they respond. 

I have records of all texts, transactions with numbers, his voip number, original XXXX ad as well as bitcoin wallet addresses I was giving by him. 

This is the original XXXX ad XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I went to the United States Bankruptcy XXXX XXXX XXXX XXXX Florida. I spoke to the Deputy Clerk to follow up on a request that I sent them, requesting information on their process for reporting/verifying bankruptcy records. At that time they confirmed that they do not report nor verify to 3rd parties. I asked to get that in writing and I was provided with 2 letters ( 1 for each record ) which I provided. 
/ Then on XX/XX/2023 I received 2 letters ( attached ) in the mail from XXXX ( dated XX/XX/2023 ) which both stated that they have removed the items from their files. In those letters they also stated that they reached out to XXXX and the other referenced XXXX to have them delete them as well. 
/ The following Monday, I contacted XXXX to confirm and asked them if they actually reached out to XXXX and XXXX and they replied that if they had not, I would not have received the letters. 
/ The same day I reached out to XXXX to follow up and was hung up on 3 separate times whenever I mentioned the letters. 
/ I also contacted XXXX and one of their reps denied any affiliation to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX-Date of inquiry XXXX/XXXX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to repair my credit ... I was struggling with debt after a divorce and was trying to get my credit back. I had been working with a CCC to settle my debt. They did not.explain that they would first XXXX out cards and make me seriously late before they settled ... and now I pay Equifax to help me monitor my credit and it shows me it is XXXX and I have them to send it to my back for a home loan and they send them XXXX. I NEED XXXX to get my builders loan to build my home ... and now I am 54 points below where I need to be ..because I was being told by Equifax and XXXX that I had a score of XXXX and it is really XXXX. I HAVE A SNAP SHOT SHOWING WHAT IT IS.
Product: Credit reporting or other personal consumer reports

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report
Product: Debt collection

On XXXX/XXXX/15, my husband told me that his ex wife contacted him to let him know that someone called her house looking for him to collect a debt. 
On XXXX/XXXX/15, I received the following voice mail on my cell phone : '' My name is investigator XXXX XXXX. I 'm with the XXXX XXXX XXXX XXXX Department working with XXXX County. I 'm attempting to notify XXXX XXXX of a certified court summons I 've been hired to deliver on XXXX XXXX XXXX to the home and/or place of employment. If I do appear at your place of employment, I will need a supervisor present as a witness. If for any reason you wo n't be available on that scheduled service date, or if you wish to resolve this voluntarily, you may contact the petitioner at XXXX and refer to case number XXXX. Also, your failure to notify the filing party will result in me coming out with the sheriff as well as being issued a body attachment. Thank you, XXXX. Good luck. " On XXXX/XXXX/15, I received this message : " ... left us no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Please reference file number XXXX when calling it and have a good day. '' The first part was cut off by the outgoing voice mail message. At this point, I called the number. I told the man on the phone that I had been receiving calls from the number I dialed. He said that it looked like they were trying to reach - and he said my husband 's name. I did n't tell him that they were attempting to reach my husband ; I told him that the person they were trying to reach could not be reached at my number. He asked if I was sure. I said I was. He asked if I could get a message to that person as there were legal actions pending. I told him no, that whatever the issue might be was not my problem. He told me not to be like that, so I told him again that they could not reach the person they were looking for at my number and to take my number out of their system. He hung up on me. 
On XXXX/XXXX/15, I received another call with the same message as the one on XXXX/XXXX/15. Today, XXXX/XXXX/15, I received another call from the same number that I answered and disconnected right away. 
I am concerned at the threats of arrest, legal, action, and " body attachments '', the giving of information to someone who is not confirmed as the spouse, the continued calls after it was establish that the person they were looking for could not be reached at the number they were calling, the claims of working with the County ( and not the county I live in, either ), etc.
Product: Money transfer, virtual currency, or money service

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

Leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive as they did not comply with error resolution requirements under 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 card

Approximately 6 weeks ago, I received an email from Bank Of America. The email stated that my automated payment did not go through because the ACH was not honored by the listed bank. This was due to my not using the credit card for over a year during which time I switched banks. The email also stated that my online payment ability would be suspended. I was provided with a phone number to call. I have called that number and the number on my credit card at least 10 times. Once I am able to convince the automated system that I must talk to a human, about 10 minutes, I am placed on hold. Often this hold time lasts for more than 30 minutes and, as happened today, at the end of this time the system hangs up. Last week, I was finally able to call and get a human. After 45 minutes the person transferred me to another automated system that could not rectify the problem nor could I transfer out of it. I tried again today to call and after 15 minutes was again hung up on. I have been able to " pay by phone '' but I still do not have online access to pay my bill. I attempted to send an email to the fraud department but have not received a response. They have no other means of communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX is the company that is reporting this to XXXX and TransUnion. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Payday loan, title loan, or personal loan

Creditor includes interest amount into balance, when interest is deferred under promotional financing. 

There is no separation of the amount owed and the deferred interest. 

All you get is the total balance. Creditor refuses to acknowledge dispute on account.