23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I currently dont live in XXXX XXXX and have not live in XXXX XXXX XXXX XX/XX/year>. Cavalry SPV I , LLC claims to have served me in XXXX XXXX on XX/XX/year>. Who was served was my boyfriends Father and he stated I dont live at that address all of this was caught on a XXXX  XXXX. On top of them falsely claiming to have served me my partners father has said that multiple letters come in the mail daily with my name from Cavalry. I have never lived at the address they are sending these letters to. The debt they are trying to collect has been resolved and disputed and I have made it clear that it was a case of identity theft. I disputed through a credit bureau and am obtaining the records this week.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Checking or savings account

Well Fargo XX/XX/2021 XXXX was taken money out of my account coming from unknown sources and attempted to say it myself in the amount of {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from the seller XXXX XXXX  XXXX XXXX when is was located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/XXXX. I had two different cars with them, a XXXX XXXX XXXX, which lasted in my hands not even one full day with me because the car was damage. The dealer had the vehicle approximately for two week at the mechanic, at the end they coul n't fix it. So they gave me this second vehicle, a XXXX XXXX XXXX, which lasted with me approximately 3 weeks - 1 month. The car was damage too and they wanted me to pay for it no metter the siuation. I loose {$1500.00} that I gave for down payment and {$370.00} of the first monthly payment, and that same day I ended up with no CAR and no MONEY. The vehicle was financed by XXXX XXXX XXXX. Recently I tried to refinance another vehicle that I have under my name and I couldn't do it because after a whole year of not having that account anymore, the account still open on my credit report. I talked directly with XXXX XXXX XXXX, and they told me that the account was closed since XX/XX/XXXX. The account today, Tuesday XX/XX/XXXX still as OPEN on my credit report.
Product: Debt collection

I have sent three certified letters to Midland Credit Management Inc, requesting signatory or contractual proof of my debt ownership. I have corresponded three times with XXXX XXXX regarding a XXXX credit account that has mistakenly been recorded on my credit reports. Each time I request information I get a copy of a monthly billing statement that is not proof of debt ownership nor is it what I have been asking for. XXXX XXXX has yet to provide any evidence but in each identical for letter states, ( 'After reviewing the information you provided, our account notes and information provided by the previous creditor, we have concluded that our information is accurate. ' ) Apparently, XXXX XXXX has access to information that legally proves that I am the rightful owner of the debt in question, however she has yet to provide me with a single bit of information or proof. I do not believe that Midland Credit Management Inc has any proof that this debt belongs to me and that they are damaging my credit and good name with no evidence. This company is basically blackmailing me with my credit scores and my reputation. 
On XX/XX/2024 I filed a lawsuit with a small claims court here in my home state of Texas. I will continue to use every option at my disposal to get me credit and good name back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. After this investigation was completed, I contacted XXXX asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification/validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Product: Credit card or prepaid card

Upon further review, and with a history of Over 20 years this is a repeat problem with them. 
Both accounts had cards replaced ( classic and pay over time ) they insisted on changing classic card ( account ending in XXXX ) because of data breaches on their side. On or about the end of XXXX XXXX XXXXXXXX XXXX in XXXX someone stole my card if their counter. I immediately called them. They replaced the card and switched its terms. Additionally I have made multiple monthly payments and first received threats of cancellation, and credit reporting, then they sent new cards, then more threats, then closed the accounts all because American Express replaced my stolen card with a new on on different terms as in pay every cycle. 

My bank actually found this out by the times and amounts the company was withdrawing from my checking account. 
I stopped them from abusing the XXXX in XXXX. There is paperwork meaning statements and multiple checks additionally paid to them even though the account balance in question is a pay over time account. 
Had American Express just looked at both accounts activity they would see this. 
I tried twice calling and asking for return calls and heard nothing I have times dates and names of people I spoke with there. 

However I am considering legal action against them for improper withdrawals and change of term. 

Ive been advised to attempt clarity though you, reserve all my rights and hold American Express liable and accountable. 

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

I NOTICED ITEMS ON MY REPORT THAT WAS NOT MINE NOR DID I AUTHORIZE
Product: Debt collection

I have never heard of this debt, received any communications from the debt collector, been called, contacted, reached out to, served notice, or anything prior to this appearing as a collection on my credit report. 
I have had numerous and frequent identity theft including recent XXXX XXXX fraud and have reported it to the XXXX.
Product: Debt collection

I mailed a certified letter to Phoenix Financial Service on XX/XX/2020, certified mail receipt # XXXX XXXX XXXX XXXX XXXX and it was received by their office on XX/XX/2020. In my letter, I requested supporting documentation to prove that two debts that they say I owe, in fact, do belong to me. To date, the company has not responded to my letter and it has been longer than 45 days since they received my certified letter.
Product: Debt collection

When I was XXXX me and my mother abruptly had to move. We were tasked with finding somewhere to stay within days. We had to pack up a 2 bedroom apartment alone and find another one in less than a week. Luckily we found another apartment complex that was a last resort but we had no choice but to move there, they told my mother that she didnt has housing ( even though she did ), the manager would quite literally sneak us in when " her manager wasnt there '', we didnt understand so we proceeded, I was required to be placed on the lease as a resident because I was XXXX which was fine, the leasing agent brought me documents to sign, so I signed them and we could move in, now I have over XXXX dollars worth of debt in MY name because I was UNKNOWINGLY PLACED AS A CO-APPLICANT instead of a RESIDENT LIKE I WAS TOLD. This is unacceptable and i cant move into my own apartment with false property debt preventing me.
Product: Mortgage

XX/XX/2021 - AmeriSave issued me a ( LE ) - '' Loan Estimate '' after gathering my information and pulling my credit scores. 

XX/XX/2021 - AmeriSave issued a ( CD ) - " Closing Disclosure '' to me that matches the LE However, on XXXX XXXX. AmeriSave send me another CD with an increase of {$1000.00} in loan fees showing as " points fee '' which was never disclosed on LE. 

I tried to contact the loan originator " XXXX XXXX XXXX " and AmeriSave sales Manager " XXXX XXXX '' and was not be able to get a valid reason why the point fees was suddenly added to my closing cost. 

XX/XX/2021 - Mr. " XXXX XXXX '' called me at XXXX EST to offer cover {$500.00} of what they have increased in loan fees and said that's the best they could do. 

There has no significant changes in circumstances on my side, I don't believe the loan fees should be increased just because later the lender decided want to make more money than they originally offered. 

There are many lending options out there and the only reason I made an important financial decision to refinance my property with AmeriSave and paid an appraisal fee of {$500.00} upfront was based on their best offer. I feel deceived when I found out that they decided not to honor their best offer or Loan Estimate after they gained my business. 

The way AmeriSave conduct their businesses and how they treating their customers completely destroyed my trust in this lender and also made me want to findout what's our rights in fair lending as a customer. Loan Estimate is supposedly for Good Faith and I wish AmeriSave could have more of good faith to their customers. 


LENDER AmeriSave Mortgage Corporation NMLS/GA LICENSE ID XXXX LOAN OFFICER XXXX XXXX XXXX NMLS/GA LICENSE ID XXXX XXXX XXXX Mortgage Sales Manager NMLS ID # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i submitted a dispute to Experian re : an unverified and inaccurate account XXXX XXXXXXXXXXXXXX listed on my consumer file. this was sent via USPS tracking number XXXX XXXX XXXX XXXX XXXX received on XX/XX/XXXX, Asked for verification of ( a ) when was this account closed? and by whom? ( b ) how is it that from XX/XX/XXXX to XX/XX/XXXX only two on time current payments were posted, one negative on XX/XX/XXXX and data unavailable for the other years? over a seven year period. So are they reporting negative data on a closed account 6 years later? 
i emphasized that they are required to report correct and verifiable information. i showed many inconsistencies with this reporting of erroneous data, yet they updated the report on XX/XX/XXXX report number XXXX to reflect no credit limit, changed the on record date to XX/XX/XXXX from XX/XX/XXXX Not one questions or legitimate concerns was addressed nor any proof was submitted! XXXX on the other hand DELETED the same account. they are in multiple violations of the fair credit reporting act including 611.  ( a ) ( 5 ) ( A ) ( i ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit card

I can plan it again XXXX like a players against the fraud that is committed against me the refusal to accept my tender and my negotiable instrument which is a crime. They claim that I signed something under the cardholder agreement which I did not so I am asking you not only to do your investigation again I'm asking you just show me the steps that you took to provide that investigation. Under 15 USC 1681i I am demanding that you prove to me where I signed any agreement I also want answers to my questions 15 USC 6802 XXXX I did not sign anything on my behalf regarding your company so no you can not share my information which is a violation and I will be filing a federal lawsuit against you but I want answers here I expect answers here and your failure to do so it's just going to make you look worse in court or arbitration is a you can't prove to me that you let me credit because it's against the law to learn credit the fraud that you've been doing is just despicable. My main question is for you also to show me the steps on how and where you actually let me credit when the law says you can not lend credit where did this credit come from it came from me and you lied to me about that that is false and to set the practice and under 15 USC 1681n will compliance and 15 USC1611. I want proof with in 15 days that I signed anything from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reported negatively on my report. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reported negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - XXXX term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge-off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX XXXX XXXX  This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro-consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item to be error. Here as follows are item in error : The following inquiry needs to be removed immediately : Creditor Name : XXXX Card Date- XX/XX/2017 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to my address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

. 


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Product: Debt collection

I have received multiple phone calls from Key2Recovery, a debt collection agency. I received the following calls to my personal cell phone number : 2 calls on XX/XX/19 from phone number XXXX ; 3 calls on XX/XX/19 from phone number XXXX ; 1 call on XX/XX/19 from XXXX ; 1 call on XX/XX/19 from XXXX ; 1 call on XX/XX/19 from XXXX, and one call today, XX/XX/19 from XXXX. 

I have also received multiple calls to my place of business on XX/XX/19, XX/XX/19, and XX/XX/19. 

I confirmed through my date of birth and last four digits of my social security number as well as that I had never been a student at XXXX University ( the origination of the debt ) to Key2Recovery that the debt they claim to be owed does not belong to me on XX/XX/19, XX/XX/19, and XX/XX/19 and to remove my phone number from their call list and yet I continue to receive harassing phone calls.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies like Experian must ensure the accuracy of the information they provide. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ), the court ruled that credit bureaus have an independent duty to investigate disputes from consumers and can not simply rely on information from creditors so how could experian tell me contact a creditor when they are the ones who I am asking validation from and they are the ones furnishing the information on the credit report XXXX XXXX XXXX XXXX **** I have shared evidence in writing so they must respond to why they went against FCRA and the act of court rule In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  )
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 ). 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 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 see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Capital one closed all 3 of my accounts in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX at the time and they just closed my accounts with out warning. Now all 3 of them are being reported as late or as charge offs. 
The charge off accounts I would like to offer them a pay for delete where I would pay the account and then they would remove it from my credit report. 
The late account I would like to offer the same. I would pay it off if they delete if from my credit report.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Checking or savings account

On XX/XX/XXXX I contacted Wise.com to tell them that I had noticed there were emails I was getting that showed transfer activity I didn't do. I sent they my IDs and they responded back saying there was an account created with my information that had the wrong birthday so I couldn't get access. I told them to shut that down but leave my other account with over {$35000.00} active. On XX/XX/XXXX, They told me they would shut down the one that had incorrect information, but I could still use my regular account. They deactivated both accounts and mentioned, " While deactivating your other duplicate personal account, the business account was also accidentally deactivated.I have raised your issue with the relevant team and it will be resolved soon. '' Its been 3 weeks with no updates from them. I've called their customer support line at least 6 times and every time they create a ticket and say its going to be resolved but I have received no contact and my funds are still locked up.