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

XX/XX/XXXX I turned in my leased XXXX XXXX XXXX to XXXX XXXX XXXX and leased a XXXX XXXX XXXX. My account was paid off completely for my leased XXXX and I was turning it in because it was due to be turned in. I noticed my credit score dropped about 50 points due to XXXX stating the account was charged off as a bad debt. I contacted XXXX and was assured this problem would be fixed. I checked my credit today and the bad debt status is still showing it only states the debt has been paid off. This is illegal and untrue. I followed their rules set in place and they are now illegally misreporting my account causing my credit score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in 3 dispute asking for proof and have not received anything yet XXXX   credit bureau continue to state this account has been verified, but how? XXXX, and XXXX has removed these inaccurate account. I have been sending out dispute letters since XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquiry XXXX ; XXXX  XXXX Inquiry Date : XXXX XX/XX/XXXX ; XXXX XXXX  Inquiry Date:10/13/2022 ; XXXX-XXXX/XXXX XXXX  Inquiry Date : XX/XX/XXXX ; XXXX-XXXX/XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXXInquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date:XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX  XXXX  Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX  XXXX  Inquiry Date : XX/XX/XXXX ; XXXX XXXX  InquiryDate : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date:06/16/2021 ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX  XXXX XXXX  Inquiry Date:XXXX ; XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date:XXXX ; XXXX Inquiry Date : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my account, i never applied for it. I believe, that somebody used my personal information and applied for this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has locked me out of myequifax site so am not able to monitor or dispute my credit report I do believe that Equifax has sent faulty scores to lenders and my result in my applications denials and higher interest rates. I have called Equifax over this matters like 5 or 6 times, and when am talking to a agent they act like they can not find me in there system, but hold up but you selling and reporting my information without my approval and now you can not find me or my credit report and my account on myequifax.com. This has been going on since XX/XX/2022 and nothing has been done
Product: Credit reporting or other personal consumer reports

Ive tried fixing a current error on my report with Experian regarding an investigation of a late payment under 15. USC 6802 b Obligations with respect to disclosures of personal information privacy act with the company XXXX in question I never they never gave me the option to opt of having my information released or told me to opt out
Product: Checking or savings account

I had applied on line for a small personal loan. The amount was {$5000.00} I was approved and was sent a bank cashiers check from XXXX XXXX for {$4800.00} I dont know why it was not for the full amount of {$5000.00}, but I thought maybe it was for fees involved. 
I went to my bank Bank of America to deposit it, on XX/XX/2018 I showed it to the teller and asked her if it looked ok, and she said yes it looks good. 
So I deposited the check. 
The check did not clear, they told me it was a fake check and they closed both my accounts I had with them. 
First of all I have been in business for myself for 41 years. I take extreme pride in my work and I have always done the right thing. 
Second why would i deposit a check I know is fake, I mean come on really. 
Like I said I always do the right thing and am highly insulted that they think I would deposit such a check. 
Over the years I have for business purposes received small loans and merchant loans. 
I dont understand the motive behind the fake check they did not charge me anything so I don't get it why they would send me a fake check. 
I called Bank of America and spoke to someone about the situation and explained the whole situation that obviously I did not realize it was a fake check and if I thought was fake I wouldn't even attempt to deposit it. But Again I showed it to the teller initiation was fine. 
The woman I spoke to was very rude to me and treating me like a criminal, it was very upsetting I didn't get her name really wish I did. 
She told me I could never open another account at Bank of America and I will be on XXXX  for the next five years I find this to be totally unprofessional and not fair, I am an honest hard-working businessman and to be treated like this wrong and its effecting my business and lively hood. Being on XXXX will affect me financially because being self-employed I use my bank accounts for Business. 
I would like my 2 bank accounts reinstated and be off XXXX Thanks
Product: Debt collection

We received a letter on XX/XX/XXXX from Specialized Loan Servicing LLC ( SLS ) that our 2nd mortgage was referred for loan foreclosure proceedings. We reached out to HOPE to help us to determine the legality of mortgage foreclosure letter. We thought that the XXXX loan was resolved and finalized through bankruptcy XX/XX/XXXX and XX/XX/XXXX. We reached out to SLS on XX/XX/XXXX they stated that the amount due was $ XXXX + interest of $ XXXX with a total due of $ XXXX. XXXX stated that we had to pay $ XXXX down for a loan modification. Through advice from a non-profit counselor we sent a QWR to SLS on XX/XX/XXXX, and obtained a legal representation. We received an incomplete QWR response from XXXX on XX/XX/XXXX, stating that SLS was not able to address the increased payment amount and they do not have any history of payments and invoicing. In fact, they sent a spreadsheet of dates with XXXX amount due invoices. They are unable to respond to the allegation of being a predatory lender. They also added additional unpaid fees and interest. They did not provide any documents showing transfer of the loans from the original lender XXXX XXXX XXXX  to SLS. Our legal team reviewed the response and sent a letter on XX/XX/XXXX to SLS outlining the violations and requesting additional information. Violations included ; irregularities and illegal practices relating to SLS debt collections on this account, Reg X, i.1024.33 Request for information, Tila-Reg Z i.1026.39 & ii.1026.41 with response requested by XX/XX/XXXX. To date our attorneys have not received a response from XXXX. XX/XX/XXXX we received a Notice of Sale for XX/XX/XXXX. Our attorneys have requested an extension due to the non response from XXXX to validate the loan amount and XXXX holder. There was XXXX communication from XXXX to the first notice received in XX/XX/XXXX. We have never received an invoice, no transfer of title notices or any other communication related to this loan other than what is listed here.
Product: Credit card

Problem started around XX/XX/2024 and in various amount from $ XXXX {$80.00}. I was making payments towards my Capital one credit card by using mobile app on my phone. For some reason the payment was deducted from someone else 's account and I was not aware of. I have no idea how this happened and I no knowledge how someone else banking account got tied to my mobile app when I was making the payment. Capital one credit card accused me of fraudulent and intentionally making these payments and as a result, Capital One cancelled all my credit cards!
Product: Credit card or prepaid card

This is my SECOND COMPLAINT AGAINST APPLE FOR THE WAY THEY DO BUSINESS.

I had a merchant XXXX refund me on a random card, which was the Apple Card.

The original transaction never came from my Apple credit card. The amount was XXXX. 




Apple decided to TAKE - {$1.00} cash back! As if the Original transaction came from this card, And Ive been chatting, on the phone with apple go get this credit balance sent via check, Apple Cash.

They all refuse to help me. I hate this card so much and I will never ever recommend it. What a XXXX nightmare. 

SEND ME MY {$120.00}!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my first attempt to have this problem resolved. Upon my last request the company said that they sent a letter to my address which I di not receive anything. Nor has the credit reporting agency responded back with investigation report or findings. This has been well over 90 days and no one has responded. I asked this company for a contract verifying that this is my debt and that I have a debt owed to them and they stated they sent something in XX/XX/XXXX which they did not. So I know there's no way the CA can have anything as well. If this matter does not get resolved I will be seeking legal action because this is fraud and the information being reported on my credit report is incorrect and I have tried will over 90 days to have the issue resolved with both company 's.
Product: Debt collection

Paramount Recovery Systems XXXX XXXX XXXX XXXX, TX XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.
Product: Debt collection

JH Portfolio is attempting to collection on a debt I do know owe. This debt is past the statute in Maryland and really old that it shouldn't be reporting on my credit. It's 8 yrs old.
Product: Checking or savings account

In XXXX, 2022, I received a letter from Bank Of America, XXXX XXXX XXXX, XXXX, DE XXXX via XXXX that had a statement " We've made the decision to close your deposit account ending in XXXX because we're unable to verify your identity ''. 
On XX/XX/2022, I received via XXXX a " Your Adv XXXX Banking statement '' which disclosed an account number and an amount of {$9.00} in negative funds, " ending balance dated XXXX XXXX, 2022 ''. 
I have not ever had any bank accounts of any kind with Bank of America. I do not, nor have I ever had any known transactions or affiliations with this bank or any accounts whatsoever. I do firmly believe this is a case of mistaken identity. I am a practicing medical professional and any claim that I am associated with this debt is fraudulent. On XX/XX/2022, I have filed an FTC identity theft affidavit in response to receiving information to my address for this fraudulent banking account
Product: Credit reporting or other personal consumer reports

I am not liable for these accounts. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
I did not sign a contract with these collection agencies. They did not provide me with the original contract with my signature on it.
Product: Student loan

I have been trying to get a hold of my loan servicer for several months about not being able to log in to my online account, and also to talk to a rep re : decreasing my payment so I can start paying my loan payments but I can not get ahold of anyone thru calls or emails, but they demand my payments anyways thru mailing of statements!!! Its wrong that that cant provide me with customer service!!! On their website it says increased wait times and increased wait times for emails to be answered this has been going on for some time.!!!
Product: Debt collection

XXXX XXXX XXXX is calling me from the number XXXX with pre recorded message multiple times per day and multiple days per week, basically daily. They are saying I have a late payment on my lease, which I do not. I have called them multiple times to clear this up. Examples of multiple calls are XX/XX/19 at XXXX and XXXX EST. XX/XX/19 at XXXX. XX/XX/19 at XXXX and XXXX. XX/XX/19 at XXXX and XXXX. They called many times per day and times per week over the last several months and I have repeatedly asked them to stop. This is a new number calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of this year I filed my first around of disputes with XXXX and Transunion. The only one I got a response from was XXXX. In XXXX I filed a second around of dispute because the bureaus are not taking things off my credit that need to be that are seven years or older off my credit report. Now here I am three months later filing a complaints against them all because they arent doing their jobs. Please help with the matter and making them reply to my disputes that I filed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX Merchants and medical Credit Corporation , inc . 
XXXX XXXX XXXX XXXX MI XXXX XXXX : Collection account # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of  Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On November 12, 1996, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b  ).

Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the October 30, 1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.

The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue.

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in XXXX XXXX.
Product: Debt collection

Subject : Formal Complaint Against XXXX XXXX XXXX FCRA Violation ( 15 U.S.C. 1681s-2 ( b ) ) To Whom It May Concern, I am filing a formal complaint against XXXX XXXX  XXXX for failing to comply with its legal obligations under XXXX U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ) regarding an inaccurately reported charge-off account. 

Details of the Violation : Account Name : [ XXXX XXXX XXXXXXXX ] Account Number ( Last 4 Digits ) : XXXX Balance Reported : {$3800.00} Date Reported : XX/XX/year> I disputed this account with both the credit bureaus and the furnisher on XXXX, providing supporting evidence that the information is inaccurate. However : 1. The furnisher failed to conduct a proper investigation as required by FCRA 15 U.S.C. 1681s-2 ( b ).

2. No documentation has been provided to verify the accounts accuracy, yet it continues to be reported negatively on my credit file.

3. The information remains inaccurate, violating my consumer rights under federal law.

Supporting Evidence ( Attached ) : Dispute letters sent to the creditor and bureaus Credit reports showing continued inaccurate reporting Any responses ( or lack thereof ) from the furnisher
Product: Credit reporting, credit repair services, or other personal consumer reports

My car got was in an accident and was destroyed. Ally sent me a bill with a date of XX/XX/2020 ). I paid online through my bank on XX/XX/2020. Prior to receiving my payment, and not even a month after sending the bill they put it as a " charge off ''. They sent a notice saying I was paid in full but did not retract the charge off and it has destroyed my credit. I tried fixing this with Transunion and XXXX  and am getting nowhere. Please see attached documents.
Product: Checking or savings account

I had XXXX checks deposited into my chime account, I spoke to a representative which told me I had XXXX accounts. I said I was not aware of XXXX accounts so lets close XXXX so I dont have issues with my deposit. Instead of closing the non active account that I was not aware of, they closed the active account that I was actually using. Since this has happened I have no clue where my monies is and they wont tell me where my monies is. Every time I call now I get a representative telling me I must wait for the monies to be returned. Well its been XXXX weeks and XXXX in a bind, Ive owed my landlord his rent and I have been able to live. I need my funds and its been over XXXX weeks now that this issue has persisted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attention : CREDIT AGENCIES I recently received a copy of my credit report, and I noticed some unauthorized Inaccurate accounts on my consumer report that should not be on there at all since I am the beneficial owner of my consumer report! Also their is an INTERNAL BLOCK PLACED ON MY REPORT THAT NEEDS TO BE REMOVED AS WELL. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : BY YOU REPORTING AS A UNAUTHORIZED THIRD PARTY WITH NO PERMISSIBLE PURPOSE UNDER 15USC 1681b you are committing identity theft UNDER GBLA and PRIVACY ACT of 1970 List of accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The reporting of this account ( XXXX ) is in violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ATTACHED IS A COPY OF MY FTC REPORT, ID, and W2 I expect with in 5 business days these accounts are to be blocked and deleted from my report Best Regards Success All Rights Reserved
Product: Checking or savings account

Woke up Monday XX/XX/XXXX to find my savings account had been reduced to nil. Two withdrawals of {$1300.00} and {$2300.00} were made at a banking center in XXXX, Fl. I live and operate in XXXX. I have never been to or know anybody from or heard of XXXX. I did not lose my card or give out any information. This should be impossible. Bank of America told me it can take 60+ business days to resolve. That is three months and is unacceptable. It is my emergency fund and prevents me from needing a credit card. I provided every detail BoA asked of me. This is so obviously fraud I can ' understand why they won't credit me the money back while they investigate what happened.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 state a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crime 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: Debt collection

No information is ever given and no message left. They repeatedly call multiple times a day frim different numbers all showing under portfolio recovery and hang-up. I am registered on the do not call registry and the repeat calls are seriously annoying.
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 is a violation of 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 EFTA and Regulation E. These actions have caused me to lose money and data and I am seeking appropriate redress for these violations.
Product: Debt collection

I have a bank statement showing amount paid n Representative state it would be removed in XXXX months