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

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5300.00}.
Product: Credit card

Dear Sir or Madam : Please post this so that the customers can be warned that the creditors from the credit card industry are dishonest rude unprofessional heathens that are continually adding on all kinds of fees and interest to your balance and charging you for items not purchased on your statement. Number one continually check your statements and beware if your bill is constantly going up every year and never goes down. Also I have been with XXXX Capital One, and XXXX XXXX XXXX, and XXXX and XXXX XXXX since XXXX. My creditors have refused to send me and audited statement from when I first opened the account from XXXX until present, of how many times that I actually used the card and fees and interest added to the account. Then I want to read the numbers and see if my creditors have charged me for cash advance s balance transfers fees etc. The only thing the creditors say is that the account is fine which is a lie from XXXX and send me a few statements from the year XXXX. I am not paying back {$20000.00} dollars.I have called and spoken to staff XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX and Mgment from Capital One about the problems of fees and interest with no solutions. 
Do not close down your account unless you want your credit score to go down on your credit report. The creditors will not tell you this information. You can purchase the book called Debt Cures buy XXXX XXXX out of the bookstore for {$10.00} dollars or a little more. How to deal with the corrupt creditors and Debt collectors get out of debt. 
The policies are corrupt and designed to keep you in bondage. I have also filed a number of complaints several times with the Consumer Financial Protection Bureau XXXX XXXX, XXXX and XXXX XXXX and XXXX XXXX with no answer. I have filed a complaint with the Better Business Bureau and called a number of times to get my minimum payment lowered. You guys did not respond until I had reported my creditors to the Federal Reserve Consumer help complaint online. This is when the Consumer Financial Protection Bureau had finally responded to my request. Capital One XXXX XXXX XXXX and XXXX XXXX have XXXX have lowered my credit limit and constantly charging me for items not purchased and adding on all kinds of fees to the account. I am not giving my creditors any more money until the the balances are much lower or disappear and I get my audited statements and do my own investigation. The general public we should boycott the credit card companies and file reports against them and not pay them there money until they take of the fees and interest and hidden charges of our accounts. March and get them closed down. There needs to be regulations on the credit card companies not to be allowed to continually adding on all kinds of fees and interest to your bill. Every month raise your minimum payment XXXX dollars and more Capital One. I have filed a complaint with the attorney general of Delaware XXXX XXXX XXXX for fraud. There will be XXXX to pay from the XXXX for fraud and taking advantage of the general public and having no programs to help the people and destroying the public. Ms XXXX
Product: Debt collection

My name is XXXX XXXX XXXX, and my Ex-wife XXXX XXXX opened a XXXX XXXX XXXX credit card in my name. This card was continued to be used after we divorced, and I was not informed. Following this, the account was then maxed out and left unpaid for over 150 days. This account is labeled as XXXX   Bank/XXXX XXXX in my credit report. The Account # is XXXX, I do not have the full number. The account was opened XX/XX/XXXX, and sent to collections sometime in summer of XXXX. I was seperated XXXX from my wife and going through divorce XXXX. I continued to live in XXXX at this time, and my wife at the time relocated to XXXX, Texas. The collections agency is XXXX XXXX and opened the collection date XX/XX/XXXX under the account # : XXXX as I do not have the full number. The balance is {$1500.00} as of now, and I was never notified of the account, debt, or collections agency. After finding out, I attempted to ask my ex spouse, and also informed them they would need to pay the balance, and they have refused. This is not my account, I do not buy, own, or wear XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are accounts and inquires on my 3 credit reports thats I didnt authorize.
Product: Credit reporting

I have contacted Equifax on several occasions asking for them to validate that XXXX debts are LEGALLY entered on my credit report. I have personally contacted these XXXX companies and asked them to present me with a contract that states that I owe them money or that I am legally obligated to pay them. Per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) this company must be able to present a contract between themselves and me in order for them to report on my credit. They have been able to produce no such agreement. They are illegally listing entries on my credit reports. Equifax is complicit in allowing this. Each time I ask Equifax to validate these debts they simply come back as " verified ''. I am not sure how this is as I have contacted these companies personally on multiple occasions asking for proof that I have an agreement to pay them and they have not been able to offer it. What is the method being used to " verify ''? 

These companies are : 1 ) XXXX XXXX - provided a contract from a third party that I could not verify, however there is no agreement between myself and XXXX XXXX. I do not owe them any monies. 
2 ) XXXX XXXX 3 ) XXXX XXXX XXXX There is a fourth company that admitted that they are incorrect in listing an item and in XX/XX/XXXX requested that the credit bureaus remove this entry. However Equifax is still listing it. That company is XXXX XXXX. I was contacted by XXXX XXXX of XXXX in XX/XX/XXXX. She provided me with the AUD control number for deletion ( XXXX ). Both XXXX and XXXX deleted this entry within days. Yet Equifax continues to report this inaccurate information. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violations of the FCRA and defamation of character. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization asserting that I owe this debt related to this account. 

1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant state and federal laws.

Please consider this letter as a formal dispute of the debt, and I Kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

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

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel as though I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Product: Credit card

I had a credit balance on this card before I closed it of {$44.00} and some change. I contacted Citi via chat in XXXX, and was told I would get a check sent to me. After 1 month nothing was sent, so I contacted CITI again via chat end of XXXX. They told me they would resend the check. In XXXX, I still haven't received my refund, so I contacted them again. They said this time they would direct deposit into my bank account. So again, I still have not received this refund. When I contacted them again via chat, they have not been able to me.
Product: Money transfer, virtual currency, or money service

Complaint Against CashApp for Improper Customer Service and Dispute Handling I am filing this complaint against CashApp for failing to provide proper customer service and for mishandling disputes related to my account. These issues appear to violate the **Electronic Fund Transfer Act ( EFTA ) ** and its implementing regulation, **Regulation E ( 12 CFR Part 1005 ) **.

1. Inadequate Customer Service : - CashApp provides insufficient customer service, relying heavily on automated responses without offering a way to contact a live representative or escalate concerns.

2. Failure to Handle Disputes Properly : - I reported unauthorized or incorrect transactions, but CashApp did not follow required procedures under Regulation E.

- They failed to acknowledge my dispute within 10 business days, did not investigate it within 45 days, and did not issue a provisional credit during the investigation.

Requested Resolution - Investigate CashApps compliance with the EFTA and Regulation E.

- Require CashApp to improve its dispute resolution processes and customer service support.
Product: Vehicle loan or lease

this company will call you multiple times a day weather your payment is late or not. If you try to explain your situation they disregard anything you have to say. They threaten they will lower my credit score and tell me to turn in my car and get something i can afford. all of my payments have been on time except this one time. they are very rude and if you ask to speak to a manager he is either on " vacation '' or " not in at the moment ''. they will give you various names of the supervisor as well. they call my family and tell them personal financial issues. i asked them to kindly not call me during my work hours but they continue to call 3 times a day until i answer. they also email me. i am extremely infuriated with this company. there have been instances where my monthly payment is more than what it should be and they can not give me a legitament reason on why they are charging me more. i believe this company is crooked and needs to seriously be looked at. i fear they will lower my credit score and repossess my car even though this is the only payment late due to an unexpected financial loss.
Product: Credit reporting or other personal consumer reports

Collection Agency EXETER Amount XXXX Date XXXX Reference NOTICE OF DISPUTE To : ( EXETER ), I, ( XXXX XXXX ), a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Sincerely, ( XXXX, XXXX XXXX )
Product: Credit reporting or other personal consumer reports

In the month of XXXX, as evidenced by the attached receipts, I requested an investigation to ensure compliance with the Fair Credit Reporting Act ( FCRA ). This act mandates that my information be accurately and completely displayed on my credit report. My dispute is not about the ownership of the accounts, as I acknowledge they are mine. 

My concern is solely about the accuracy of the information as required by FCRA Section 1681, which all Credit Reporting Agencies must adhere to. While some items were removed from my credit report ( as detailed in the attached documents ), they were later reinserted with the same inaccuracies. This reinsertion occurred because the creditor claimed the information had been verified as correct. 

According to the FCRA : ( i ) Certification of accuracy of information : If any information is deleted from a consumers file pursuant to subparagraph ( A ), it can not be reinserted into the file by the consumer reporting agency unless the furnisher of the information certifies that it is complete and accurate. 

The following accounts are still inaccurate : XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX Attached you will find certified mail receipts and copies of my current credit report with the mentioned accounts and inconsistencies.
Product: Mortgage

I believe there was mortgage fraud and possible tax fraud involved with MidFirst Bank, XXXX XXXX and XXXX XXXX XXXX XXXX ... .. 
XXXX XXXX is not only attorney for this bank but also as well owns XXXX XXXX a document company and a real estae company which specializes in forclosures through banks. 
Coincidence or not .... 
You decide if there is foul play in this ring.
Product: Credit card

Discover Card is reporting my account balances incorrectly. they are failing to credit my payments to the account and they are overstating the account balance.
Product: Debt collection

After reviewing my credit report, I noticed a delinquent account reported by Caine & Weiner Company, account number XXXX. On XX/XX/year>, I mailed a letter requesting competent evidence of any legal obligation to pay this debt. To date, I have not received an adequate response addressing my concerns. 

In my letter, I requested the following information to validate this debt : Details of the debt Including the specific amount owed and any associated fees.

Calculation breakdown An explanation of how the claimed amount was determined.

Documentation of agreement Copies of any contracts or agreements demonstrating my obligation to pay.

Verification of judgment A copy of any applicable judgment, if relevant.

Original creditor information Clear identification of the original creditor.

Statute of limitations confirmation Proof that the debt remains legally enforceable.

Licensing proof Evidence of your license to collect in my state, including your license number and the name of your registered agent or agent for service of process.
Product: Debt collection

I am a XXXX veteran, covered by XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX and XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, the Code of Federal Regulations, Title XXXX, Part XXXX, paragraph XXXX ( d ) and XXXX XXXX and XXXX, and XXXX ( c ). 

Original creditor - XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX - was paid by the XXXX {$170.00} XXXX US Government Check # XXXX dated XXXX XXXX, XXXX for emergency medical services rendered to me on XXXX XXXX, XXXX. The original creditor billed the XXXX {$1300.00}. The original creditor was apparently unhappy with the amount paid as mandated by federal law using the XXXX XXXX XXXX XXXX pricer, and then perpetrated on ongoing fraudulent scheme, that continues to this day, of either selling, assigning, or otherwise engaging prohibited services of several 3rd party debt collectors/debt buyers. 

Under current law established by XXXX of the United States, as published in the Code of Federal Regulations, Title XXXX, Part XXXX, paragraph XXXX ( d ) : " Payments made in accordance with this section shall constitute PAYMENT IN FULL. Accordingly, the provider or agent for the provider may not impose ANY ADDITIONAL CHARGE for any services for which payment is made by the XXXX '' You may not bill the veteran or any third party for any balance not paid by the XXXX BALANCE BILLING IS PROHIBITED. 

Additionally, XXXX XXXX XXXX states " Payment by the VA on behalf of a veteran ... extinguish all liability on the part of the veteran for that emergency treatment
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 : # XXXXXXXX XXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX : # XXXX, XXXXXXXX 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: Mortgage

Account was escrowed for insurance when I had my own, with no lapse in coverage. I am told by customer support they will credit my account but have not since XXXX of this year. I have stopped paying my escrow and am now late on my payments according to their records. I have spent at least XXXX on the phone with customer service trying to get this resolved. I am told each time it takes up to XXXX days to take care of the problem and they assure me it will be. Still no luck.
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 XXXX XXXX XXXX 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: Consumer Loan

My family and I have been receiving harassing calls from a debt collector company called API Recovery Solutions. One of their representatives calls my mothers house multiple times per day and called both of us at XXXX today. When I called back the representative was very rude and said if I did not make a payment arrangement on a default loan today he was going to submit my file for review so they could sue me or set up wage garnishments as I am refusing to make payments on the loan. I told the representative ( a XXXX XXXX that he no longer can call my family any more and that him calling me so early in the morning is a serious problem. The rep then advised me is company is not a debt collector but a " mediation company '' so he does not have to put my family on a no-call list and refused to transfer me to a manager/supervisor when I asked for one. He then proceeded to hang up on me after telling me I do n't sound like someone who wants to handle my responsibilities.
Product: Debt collection

On XX/XX/2021 I received the email twice threatening criminal charges and to report to social security. I'm on SSI, I haven't had the money to pay. I will pay as soon as I can. I'm an XXXX  XXXX person it's wrong to scare me with emails such as this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, American Express began trying to collect, for the second time on a 3 year old account. They sent multiple emails stating that I could settle the account in XXXX and XXXX. When I did not respond. The re-aged the debt.The account had been closed and charged off in XXXX. They are showing an incomplete payment history on the account and reporting new late payments on this account. They also have tried to make the account look as if it is a recent charge-off in XXXX.
Product: Debt collection

i owed dr XXXX XXXX and it was sent to focused recovery and i complained about it to you and it has been 3 yrs and they still say i owe XXXX you took it off and then it was still on i need it taken off
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX