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

I did not give consent to Equifax, authorization, nor did I benefit from any of the following inquiries. Inaccurate Information : 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. I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. Please Delete these immediately because I gave no one permission, Nor did I authorized anyone to run my credit, or to release my information ( U. S. Code 1681b, Permissible Purposes... ). I also have the right to privacy according to the FCRA 15 U.S. Code 1681 section 602 A. This is a grave violation of my rights as a consumer, so delete these XXXX XXXX off my credit report. Please mail me a corrected copy of my credit report. I had no help writing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until XX/XX/XXXX I have acquired 39 hard inquires on my credit report. I have mailed, called and emailed XXXX several times ask them to remove these hard inquires because I never applied for anything. I have been a victim of the XXXX data breach of XXXX. XXXX is in direct violation of my Fair Credit Act : 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
While there is a section 604 in the Fair Credit Reporting Act ( FCRA ), this section outlines the limitations on when an external entity can pull your credit report and does not cover any subject matter that could help you improve your credit, through a dispute or otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a phone call from MBA law out of Texas advising I had an outstanding balance of {$1700.00} for an emergency room visit. I advised the representative of MBA law, that I had paid down the balance to a company out of Georgia and in fact did not owe {$1700.00}. I informed the representative that I would be submitting my documentation proving I had paid the balance down. I then found that MBA law had report to the credit bureaus I was in collections for the balance of {$1700.00}, which in its self is inaccurate and false. I have yet to hear back from MBA law or any of it's representatives. I have requested they remove the inaccurate report placed on my credit report but have not seen any action.
Product: Debt or credit management

XXXX is a self builder online service that has been charging me {$9.00} a month every month for a service I did not sign up for. They are stating that I have 2 accounts with them, one from XXXX and another from XXXX and have never used thier services and I have not been able to cancel said membership with receiving an error online or never a confirmation that it was cancelled. Ive been charged over {$120.00} and received no help from their customer service team to resolve.
Product: Money transfer, virtual currency, or money service

I got an email promising a loan from lending Point in XXXX XXXX XXXX  on XX/XX/XXXX @ XXXX than the calls start it to come in that I was approved but in order to make sure loan would go in with no problem they need it tol deposit money into my bank acct {$860.00} dlrs. 
they couldn't make the deposit for XXXX hrs so than they called me they need it to unlock my bank acct in order to that I had to give my info of logging because also it may be also my credit score was low but not to worry they will help me out with process. they sent {$860.00} I was able to send it back {$360.00} because XXXX XXXX was not working, they start it calling me and I told them I was busy to wait to see how can I return there money. they waited or at least that's what I thought they called my bank on XX/XX/XXXX claiming on transactions to please be returned I never made those transactions and the bank did put it back, I never called bank and at that point they told me not to worry about the {$500.00} they would make more deposit to increase my credit they deposit more money {$500.00} more and asked me to go to grocery store because my XXXX XXXX was not working, time went by they told me to send transactions receipt and also pictures and text for gift cards .as time went by I called and they kept saying payroll department taking long and I was waiting .I got busy with dinner and when I finished I checked my emails and I had emails from XXXX XXXX XXXX it said to call them immediately, I called and my acct had been closed already an i was band from XXXX XXXX for committing fraud, I have the email saved and text saved also and the gifts card I used to make transctions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a freshman at XXXX XXXX XXXX in XXXX XXXX, NY. I recently dropped out of this school because of them using my personal information to take out a loan without my knowledge. Dept of education/Lake placed this loan my credit report which wasn't supposed to be reported until after I graduate. Because of this, my credit score decreased drastically.. XXXX XXXX XXXX said they sent the loan amount of XXXX back to the dept of education and notified dept. Of ed/lake. This item is Still on my credit report despite being paid in full.
Product: Debt collection

I was notified by XXXX that I was in collections with Sunrise Credit Services. I contacted the the company and was informed that my ex married name and SS # was used at XXXX XXXX XXXX in the amount of {$1500.00}. I did not give anyone authorization to use my name or SS # and I have no idea who made this purchase. Sunrise Credit is currently investigating this incident.
Product: Bank account or service

I made a mobile CHECK DEPOSIT on Saturday, XXXX XXXX, 2015 & my bank released {$200.00} the following business day. However, the remaining funds are supposed to be available on the 5th business day which would be XXXX XXXX, 2015 and still a hold is on the funds in my account. I contacted my bank and asked them to release the hold and they said the hold will not be released until XXXX XXXX, 2015. The check I had mobile deposited actually cleared on XXXX XXXX, 2015 ... ... .it is now XXXX XXXX, 2015 and they will not release the hold until Monday, XXXX XXXX, 2015. I even asked if they could release {$200.00} for the XXXX weekend and still I received no help in resolving my issue/problem. This is the third time this has happened regarding a mobile deposit. XXXX out of XXXX I was able to get a supervisor to release the hold so I know that they are able to do this and its not like I am being dishonest here. I will attach a copy of the cleared check as well. My employer gave me a copy of the check clearing on XXXX XXXX, 2015.
Product: Debt collection

UHG claims I owe them money and I have NEVER went into a contract with them. They are a bulk debt buyer and along with 3 other companies have claimed that I owe them money. I have sent them a cease and desist letter along with multiple debt validation letters. They refuse to send me an original contract. They have claimed to serve my father on XX/XX/XXXX however my father passed away XX/XX/XXXX. They have harassed my family and I multiple times. I have contacted XXXX XXXX XXXX XXXX ( the original creditor ) and they state that I don't owe them money either because my account has a {$0.00} balance. I have contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. According to 12 CFR 1022 subpart E, I am challenging the accuracy and integrity of the information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the
original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und 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 CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I reach out to XXXX to change my address they have not done that. I sent them a copy of my ID and still have other addresses on file.
Product: Credit card or prepaid card

On XX/XX/XXXX an unauthorized transfer was made on my XXXX Bank of America prepaid card, the amount was {$4800.00} and left me with XXXX balance, so I called the bank and they transferred me to their fraud department and filed a claim. 
Claim # is XXXX On XX/XX/XXXX another unauthorized transfer was made on the same account again with the amount of {$4800.00}, and I found out the bank had credited me the {$4800.00} two day ago on XX/XX/XXXX, now left me with {$0.00} cent on my account, so I filed another claim, clam # is XXXX After two months later 0n XX/XX/XXXX, I received a letter from Bank of America saying that they are unable to approve my recent claim and the credit of {$4800.00} will be removed on XX/XX/XXXX. 
XX/XX/XXXX now my account is negative $ - XXXX, I call them to reopen my claim, but this time they gave me a new claim number because of their new system, the claim # is XXXX. 
And later on they kept debit and credit back and forth. 
On XX/XX/XXXX credited {$4800.00} On XX/XX/XXXX debited {$4800.00} On XX/XX/XXXX credited {$4800.00}. 
It seems like they credited my second claim {$4800.00} but denied my first claim {$4800.00}, I kept calling the bank almost once a week, but each of them told me different, XXXX told me my claim is at the back office, another told me my claim is pending and another told me my claim is denied, I need to reopen it, I even asked for the bank fraud department supervisor to help me out, let me talk to some one directly so I can explain my case. No one called or contacted me.

It seems like the bank has mixup since I have two unauthorized transfer and the amount almost identical in the same month with two claims.

Its almost two years now, it seemed like the bank doesnt want to credit me back the money the government put it there and its taken out by some unauthorized transfer.
Product: Credit reporting or other personal consumer reports

I am very upset. My credit report contains inaccuracies and incomplete information. 
My request to correct this information keeps getting disregarded and my credit score is unfairly affected.
Product: Credit reporting or other personal consumer reports

I contacted this company and informed them they had violated my rights as a consumer on or about the week of XX/XX/year> and I requested Verification of the removal of the alleged debt be sent via email to ( XXXX ). I informed them on the following laws Please be advised that, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus. You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. '' I am writing to inform you that I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. Please confirm in writing that you will not disclose my information to any credit reporting agency. Sincerely, XXXX XXXX XXXX Here are additional resources and information on debt collection regulations and consumer rights : *Federal Laws and Regulations : * 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. 2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. *Consumer Rights : * 1. Right to dispute debts ( 15 U.S.C. 1692i ) 2.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer services and unfair practices, which violate the Consumer Finacial 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 seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete a remove all invalid information that is hindering my credit file. all of the accounts listed does not follow the FCRA rules. this has caused major delays on credit file. I am a victim of identity theft. please review an remove the accounts listed asap.
Product: Student loan

Late payments on my account during a time i thought i had a forbearance XXXX and XX/XX/2018.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries. This is fraudulent and unauthorized please this is not mine. I file FTC and create dispute letters for this account but the bureaus are not responded. 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 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
Product: Debt collection

I received a Call a from Rose and Associate, phone number XXXX. They said they called to go employment verification on behalf of an attorney hired by XXXX to collect debt. I call Rose and Associates back and they never provided any information. They hang up everytime I call. 
I do not have any account with XXXX and accoring to Rose and Associates its from 2008. It has already passes statue of limitation for, State of XXXX. No such credit account shows up on my credit report..
Product: Debt collection

Receivable Solutions, Inc. # XXXX XXXX XXXX {$510.00} is not my debt and I have requested on several occasions to have this account removed from my XXXX  and XXXX credit report. I DO NOT HAVE A CONTRACT WITH RECEIVABLE SOLUTIONS AND DO NOT OWE XXXX XXXX AND MONIES AND DEMAND  THESE ACCOUNTS BE TAKEN OFF MY REPORTS
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX. saying that I owe {$420.00} for a bank overdraft fee at XXXX XXXX XXXX XXXX. I was sending XXXX XXXX XXXX payment of {$30.00} once a month from XX/XX/XXXX-XX/XX/XXXX. I send them a total of {$150.00}. I try calling this company several times and I was n't able to talk to a real person. I then send in a inquiry form to XXXX XXXX XXXX about my account. They send me a letter saying my account was closed on XX/XX/XXXX and they are going to refund me {$55.00}. I received two check totaling {$55.00} in the mail. I had to filed a complaint online on XX/XX/XXXX with CFPB complaint # XXXX because they still owe me {$94.00}. XXXX responded by sending me a check in the mail for {$64.00}. XXXX XXXX XXXX still owe me {$30.00}.
Product: Credit card or prepaid card

This is account was settled back in XX/XX/2018. After the settlement capital one informed me that they would take care of all the negative information on the account ( including late payments ) being reported to the credit bureau 's. I have spoken to many representatives at capital one and have been constantly pushed and pulled in the wrong direction. All the way from supervisors to managers to csr 's. I have been more than patient. i filed a complaint with the XXXX+ and was received a call from one of the principal coordinator 's informing me that she was my advocate to this issue. She told me that she would call me and keep me informed on getting this issue resolved. She never called.I always had to call her for an update, and getting in contact with her and even then that was a hassle. Her line was always busy and i had to get transferred over to her. XXXX is her name. I mean by far, i have been dealing with this issue for almost a year. I will never have an account with Capital one again. The customer service is not the best at all. I held up my end of the bargain, i just wish they would of too.
Product: Checking or savings account

I am having trouble registering the account online. The representative was unprofessional ( XXXX XXXX ) and I asked to speak with his supervisor, XXXX XXXX. He retaliated and stated I had no account. In return he locked the account and now I can not access the {$90000.00} transferred from my BofA checking to Merrill Lynch Brokerage account. I would like the phone recordings pulled from XX/XX/year>, XXXX ( PDT ) to corroborate the disgust the representative showed me. This is not a XXXX Organization... be respectful and provide sensitivity training. The account was approved... however, after being discriminated against, XXXX XXXX thinks he's the CEO and felt the need to lock the account because he does not like XXXX people in transition. He made that clear in the recording. It MUST be listened to before I go the XXXX, XXXX for XXXX XXXX.
Product: Debt collection

I have repeatedly asked this company to stop contacting me. They are seeking to collect debt for someone named " XXXX ''. XXXX has never used my phone number. I have maintained ownership of the # for years now. 

After requesting Do Not Call they have continued to call me in violation of the National Telemarketing Rules.

I am seeking punitive damages and legal remedies against this organization for violating federal laws on DNC.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB wrote a regulation in accordance with the law under the FDCPA to prevent debt collectors from communicating with consumers through any medium. XXXX XXXX XXXX ( XXXX ) violates that provision. 12 CFR 1006.2 ( d ). Suppose the XXXX XXXX  and XXXX does not delete the extension of credit from my consumer reports. In that case, it will be treated as a Racketeering Activity. XXXX is harming my reputation to extort me into repaying an extension of credit. 
I entered into this credit transaction without being fully informed about its provisions and how it would be used to extort me. 

Please see attached evidence.