23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX submitted a dispute for this account of XXXX for it has been on my account for 8 years now and have disputed this on multiple occasions. But keeps getting denied. And in my report says that i made continuous payments from XXXX all the way up to XXXX but did not even have that vehicle for more then a year i believe motor broke down and dealership did not want to fix but on report says that i payed all the way up XXXX of XXXX but is not correct this account has been opened since XX/XX/XXXX!!!!!
Product: Debt collection

Company put debt into collections with XXXX contact or communication, I called them to ask to provide me with th correct documents to prove the debt belongs to me and to honor my right under the fair credit reporting act. They would not mail me the contract, original receipt or anything with my signature on it or anything attached to me but they put this on my credit report and said I owe them the debt. They lied and said they were the original contract holders then proceeded to say they bought the debt from another company a couple sentences after. I have been provided no proof but now my credit is ruined.. under the fair credit reporting act my right need to be upheld. I have never seen a contract or anything with my name or anything.
Product: Debt collection

Monterey Financial Services are attempting to collect a debt, but they have committed a couple of violations. The first issue is they sent me a letter after I made my initial dispute stating they notified the credit bureaus to remove the collection from my report. It was removed XX/XX/2019 from XXXX  and XXXX. When I sent proof to XXXX  they informed me that Monterey requested the item to stay on my report. I contacted Monterey and an account manager told me the letter they sent me was a generic letter and they no longer send those letters out. After doing some research I also realized my account number isnt the account number I have with them and what is being reported on my XXXX  report are different. I have also found that the company is not legally registered to collect debt in the state I reside ( Indiana ) this information was found in an online database.
Product: Debt collection

REQUESTED XXXX XXXX XXXX TO VALIDATE THE DEBT ON OR BEFORE XX/XX/2018 VIA CERTIFIED MAIL. XXXX XXXX XXXX CREDIT FAILED TO PROVIDE THE REQUESTED INFORMATION INCLUDING THE ORIGINAL BLUE INK SIGNATURE TO CONFIRM THE DEBT. PLEASE REMOVE.
Product: Debt collection

I received a letter from Transworld Systems Inc. reference number XXXX account XXXX for the amount of {$1400.00} that I do not owe. I asked to dispute the amount and to have the itemized bills sent to me so I can match up my payments made on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account numbers XXXX, XXXX, XXXX has 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 consumer reporting agency can not furnish an account without my written consent.
Product: Debt collection

So I have been trying to put money in to my debt to pay it off it saying my account number that they gave me is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my personal credit information due to improper security protocols at the Company. As a result, my SSN, birth date, address, and other personally identifiable information may have been leaked without my permission. As a result, my identity may be stolen as my personally identifiable is no longer secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Letter to Remove Inaccurate Credit Information : on XX/XX/XXXX never received a response so I sent another letter on XX/XX/2021 i never received any information from the credit bureau in reference to the investigation. They continue to update my account but i have been notified by the collector that the account was reported in error and should no longer be reported on my credit file but i still have not been contacted by Equifax.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I owe XXXX in the amount of {$4800.00}, Id tried settling my account in 2021 because Im suffering from XXXX XXXX XXXX XXXX XXXX unfortunately XXXX refuses to Settle my account. Eventually I had forgotten about it.XXXX forwarded my account to a collection agency without sending a notice first of their intentions. The collections agency sent a letter to my neighbor address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX with my name on it, my correct address is XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, California XXXX. The collections agency is in a violation of privacy act. This had cause me tremendous XXXX XXXX because
Product: Debt collection

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. FOX COLLECTION CENTER will be civilly liable under Title 15 U.S. Code 1692k if FOX COLLECTION CENTER failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Cease & Remove alleged account from all credit reporting agencies Cease & Remove All negative information from ALL CREDIT REPORT AGENCIES Pay me The Consumer {$1000.00} for the damages against me XXXX XXXX 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

15 U.S. Code 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Respectfully XXXX XXXX, Consumer/ Natural Person
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have late payments removed under the law. The law that I stated in my letter to TransUnion was 15 USC 1681 ( b ) ( 2 ) under permissible purpose. In order for anything to be furnished on my consumer report, written consent needs to be provided by me. If no consent is give then then by definition identity theft has been committed. Also under the GLB act it states that the consumer which is me XXXX XXXX XXXX needs FULL and conspicuous easy to read detailed disclosure if that company shares my information with a third party. I wrote to XXXX XXXX and asked for copied of my legal contract and they do not have copies for either card. The negative remarks that were placed illegally according to the definition of identity theft have placed a hardship on myself and my family as well as undo stress and financial strain.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for XXXX XXXX XXXX and XXXX XXXX Bank has expired as when the last payment was made on each accounts. In addition, the original XXXX XXXX XXXX original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. XXXX XXXX Bank offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of their inquiry issue. Ive tried to reach them out before in the past and they would not remove them for me.
Product: Credit card or prepaid card

I tried to make a purchase on my Chase Sapphire Reserve Credit Cards and was declined on XX/XX/2018. I logged into my account and discovered that every credit card account has been closed. Even my small business credit card account was closed. 

I called them yesterday and spoke to an analyst XXXX to get a reinstatement review on my account and to escalate to a supervisor. I received a call from the supervisor this morning stating that I was considered a risk and they are terminating their relationship. Despite the fact that I've been banking with Chase since college and have used Chased products for nearly a decade. 

I pay all my bills on time, do not run any debt balances at the end of the month, and do not do anything " wrong ''. I may have several credit cards and inquiries, but I'm just a guy who likes to get reward points to take trips, is that so wrong?
Product: Credit card or prepaid card

Hello On XX/XX/2020 i applied to the workers XX/XX/XXXX XXXX XXXX XXXX to consolidated some of my credit cards. XXXX granted me the loan and send the checks via US Mail. On XX/XX/XXXX I went to the post office in XXXX XX/XX/XXXX and send the check to American Express to this address : American express XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I let a few days pass and I went to check online if American express had received the payment {$1300.00} and I see that nothing had been credited to my account. I called American express and they told me that they have no received the payment, I called XXXX and they told me that American express cash the check on XX/XX/XXXX and XXXX send me via email a copy of the check. 
I contacted American express and send a copy of the check via email through my account and they open a dispute. 
American express never send to me a letter explaining about what they found or what the conclusion was. 
American express only put online that I owe the same amount of money and that I have to pay {$110.00} by XX/XX/XXXX. 
XX/XX/XXXX between XXXX to XXXX I called American express and the representative ( XXXX ) told me that they never received the check and that I owe the amount of {$1300.00} I need Help Please
Product: Money transfer, virtual currency, or money service

I am constantly filling out surveys through XXXX - nationalconsumercenter.com website and/or some website that's very similar to the ones I just described. Now when I have completed these surveys, expecting the delivery of payment for filling out their requested surveys, when I am redirected to confirm my shipment and/or personal information page, there is NOT an option to edit any of my information to confirm delivery or personal contact information so I can be notified on the shipment of payment or status of anything regarding my survey involment/participation. 

Due to the fact that I can not edit my information when I am redirected to the confirmation page, I believe I am not receiving ANY information on status for my participation in any questions I am answering, and am personally feeling like my intellectual properties and my involvement not being compensated like I was lead to believe, has been fraudulently stolen and or not redirected to me, the consumer/participant correctly.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 ( CPFA ). Specifically, Cash App failed to take timely and effective measuresbto 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA LAWS 15 U.S CODE & 1666B 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. 

If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charg ACCOUNTS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX I # XXXX has 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 consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

They keep calling and asking for someone who has never lived at our number which is a land line and we've been here since the house was built and I've told them they have the wrong number for whoever it is their looking for but they still keep calling asking for that person.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts are on my report that resulted from identity theft. I have notified Experian and provided my identity theft report but the accounts are still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed derogatory and inaccurate accounts of public records information on my credit report to which Transunion continue to respond with such items being verified by the furnisher. I have requested several times that Transunion provide me with their verification method, only to be met with resistance and that I should contact the furnisher where such information would be stored. I have contacted the Bankruptcy Courts, to which the Bankruptcy Court responded : The Bankruptcy Court does not report information to the Credit Bureaus and can not remove information from the credit files. I have since then contacted the third-party furnisher XXXX XXXX to dispute the derogatory public information items, which have been removed from my public records. XXXX automatically removed the disputed public records information from my credit report, which concludes that Transunion and XXXX are in direct violation of my consumer protection rights, according to the FCRA. Under the Fair Credit Reporting Act, nothing is mentioned in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law, and a claim filed may never have been adjudicated. Therefore, Transunion has no right to maintain information that the government has deemed nonexistent. I am also seeking a consumer protection attorney to assist with litigation, and I would much rather avoid a timely and costly legal matter. In the attached documents, you will find : Dispute Letter XXXX Complaint Details Correspondence from my local Attorney General Copy of the Bankruptcy Courts response XXXX XXXX : Results of Reinvestigation XXXX item ( XXXX ) deletion report Method of Verification Letter Transunion Order of Dismissal ( XXXX )
Product: Credit reporting

I purchased a vehicle on XXXX XXXX, 2015 from a local dealership. During the purchase, I authorized the dealership to access my credit report to determine finance options I would be eligible for. The contract was finalized on XXXX XXXX, 2015 and I left with my new car. When I checked my credit reports some months later, there were duplicate hard inquiries on my credit reports for a number of the auto loan companies on both XXXX/XXXX/2015 and XXXX/XXXX/2015. I initiated a dispute with each credit bureau and sent a letter asking that the XXXX/XXXX/2015 duplicate inquiries be removed from my credit report because there was no reason these companies should have been accessing my credit report for a second time after the purchase had already been finalized. I contacted the dealership and they said we should contact the credit bureaus. I opened an investigation with XXXX and it did remove the XXXX/XXXX/2015 entry. However, Equifax ( Confirmation # XXXX and XXXX ) has refused to remove the XXXX/XXXX/2015 hard inquiries, instead identifying them as " factual record of file access. '' Their investigation report told me I should contact the creditors directly. I contacted both XXXX XXXX XXXX XXXX and XXXX XXXX. Both creditors told me that they could not do anything because I was not a customer with them and I should dispute with the credit bureau. I am requesting that Equifax remove the duplicate and unauthorized credit report access on XXXX/XXXX/2015. My vehicle contract, including financing, was completed and signed on XXXX/XXXX/2015 so there was no reason for my credit report to be accessed a second time the next day.
Product: Mortgage

My loan is currently being serviced by Rushmore. A lender/servicer can not collect on a debt that is transferred during the default of the loan, which is what happened here since the previous servicer was XXXX XXXX XXXX. Additionally, the main issue is that the BENEFICIARY of this is XXXX XXXX XXXX XXXX, whom was NEVER REGISTERED in the State of California. Because XXXX XXXX XXXX XXXX was NEVER registered in the State of California the Deed of Trust shall be void ab initio. My violations as a Homeowner in the State of California have been severely violated at this point and Rushmore has failed to reach out to me nor provide me with the opportunity to explore my options.
Product: Credit reporting or other personal consumer reports

Recently reviewed my credit report i had fraudulent accounts on my report .please remove these accounts the my reports they hurting my ability to obtain credit thanks you!