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

The Santander account was settled as a class action lawsuit. Which I was apart of and the account is still on my credit report. Which it should have been deleted. Not only because of the class action lawsuit but because its been over 7 years. This is a screw up I have sent supporting documents to all credit bureaus on XX/XX/2019 and this crap is still on my report I want it off ASAP.
Product: Credit reporting or other personal consumer reports

XXXX Inquiry dated XX/XX/XXXX should be automatically deleted XX/XX/XXXX. 

Inquiry remains XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I filed an FTC report because I found inaccurate and unauthorized accounts and inquiries on my report, and nobody has yet to help me.
Product: Debt collection

This complaint is based on violations of the FDCPA and FCRA by this debt collector, American Adjustment Bureau ( AAB ). 

XXXX XXXX XX/XX/XXXX, I reviewed my credit reports and saw a collection account reported by this debt collector. I was never aware of this account so I had no opportunity to dispute the debt until this point. 

XXXX XXXX XX/XX/XXXX, I disputed the debt directly with this debt collector by certified mail. I asked them to validate the debt. 

___ At no time did this debt collector respond to my letter or validate this debt. 

XXXX XXXX XX/XX/XXXX, I disputed the account with the credit bureaus. 

XXXX Over the next 30-days, I received the results of the re-investigations from the credit bureaus. This debt collector falsely verified the account on my credit reports while they never validated the debt. 

___Based on the aforementioned facts, AAB engaged in following violations of the FDCPA and FCRA. 

___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they failed to cease collection of the debt by verifying the account to the credit bureaus before it was validated. Here is case law on this : Until the debt was verified, all further attempts to collect on the debt, including defendants XX/XX/XXXX letter and any subsequent reports to the credit reporting agencies, violated 1692g ( b ). Semper v. JBC Legal Group, 2005 WL 2172377, *4 ( W.D. Wash. 2005 ). 

___ ( b ) Violation of the FCRA 15 USC 1681s-2 ( b ) in that they failed to conduct a reasonable investigation of my dispute thru the credit bureaus as they did not have validation of debt to do so. Here is case law on this : A jury could also find that because [ the debt collector ] retained the right to seek account-level documentation through its agreements with [ the creditor ] [ it ] behaved unreasonably when it reported the accounts as verified without first exercising those rights. Hinkle v. Midland Credit Management , Inc., et al No. 3:2013cv00033 ( S.D. Ga. 2015 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX YOU ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( ACCT NAME AND # ) HAS VIOLATED SEVERAL OF MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. CLEARLY STATES THAT I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681 SECTION 604 A. SECTION 2. IT ALSO STATES THAT A CONSUMER 15 U.S.C 1681 SECTION 602 A ANGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER ANOPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE REMOVE THESE LATE PAYMENTS AND UPDATE THIS ACCOUNT IMMEDITAELY AS YOU ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT REPORTING ACT.
Product: Debt collection

I checked my credit report on XXXX XXXX as I do annually just to make sure information on there is correct. This company known as Charter Communications LLC utilized Amsher debt collectors to try and collect an unpaid amount from me which they reported to the credit bureau impacting my credit score. This company not only accepted faulty information from an unknown individual to administer services to them, but failed to ensure that these individuals are who they say they are. The company admitted that the individuals provided a " ghost '' number, and had not been living at the residence long. All they had to provide was my name and social security number to obtain services from their company. This is cruel and greedy and the company should take more steps other than simply collecting a social security to give services to someone. The individual had been receiving services from XXXX of XXXX all the way until XXXX of XXXX. When I called Charter communications to ask for information about who they are, what services they provide, and why my name is attached to services all the way across the country the individual who I spoke with XXXX XXXX was very rude and apprehensive. I asked her clearly what their company provides, and where they are located and she gave me nothing but sarcastic indefinitive responses like I was the one bothering her. She refused to provide a badge number as well, she told me I'd have to speak to the collection agency 's attorney for help. When I called the collection agency who was very helpful, they transferred me over to Charter Communications fraud department and the individual I spoke with helped to do the dispute and investigation over the phone before closing the case.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many items which were opened without permission were still in my credit report. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to false credit reporting. The dispute items unknown to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

National Debt Agency File Number : XXXX Dear Sir/Madam, I am writing to formally dispute a debt that has been reported under my name, which I have no knowledge of. I recently became aware of this alleged debt through a collection notice, credit report, and I am requesting full validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). 

I do not recognize this debt, and I request that you provide the following : 1. Proof that I am indeed responsible for this debt, including a signed agreement or contract.

2. A complete payment history, including the original creditors information.

3. Verification of the amount owed and an explanation of any fees or interest charges.

4. Evidence that you have the legal authority to collect this debt.

Until proper validation is provided, I request that all collection efforts cease immediately. Additionally, if this debt has been reported to credit bureaus, I demand that it be removed until full verification is completed. If you fail to provide adequate validation, I will consider this matter closed and expect no further contact regarding this alleged debt.

Please respond to my request in writing within the legally required timeframe. Failure to do so may result in me pursuing legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

Requested debt validation letter for fraud debt as account was opened in 2016 when consumer was a minor in high school and had access to credit. Reporting agency failed to release any information validating debt and credit company has no information on creation of account. Account has been under dispute for 4 years now and has yet to be reviewed. Company has refused to review information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to communicate with XXXX About them violationg my rights, They also Sold my information without my consent to XXXX XXXX XXXX and are actively reporting an open account on my credit report without providing me with validation, i am not requesting verification of my mailing adress or email address. 

They alsp did not provide me the disclosure forms at the begining of the credit process to opt out of credit reporting or opting in which is required by law and grounds for deletion and a mall claim they also have not provided me any documentation, a signed consumer contract with my wet signature on it stating i agree to them sharing my personal information or giving them authorization to Furnish anything on my credit report. 

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX ; I pulled my credit score to find a Collections Account loan from XX/XX/XXXX from XXXX XXXX, I do not recall obtaining or show records of receiving any funds from. The account has now been sent to XXXX  XXXX XXXX XXXX for Collections. On XX/XX/XXXX, I sent ( via certified mail ) a letter to XXXX  XXXX XXXX XXXX, requesting all information of this account. I requested everything that is in the due diligence to send an account into collections ; Actual copy of my signature on the loan agreement, phone call records, mailing records in which they did come in contact with me. I received back ; a typed out loan agreement with my current address on the loan agreement, with a computer generated, typed signature, and a loan payback agreement. In XX/XX/XXXX, when this loan was supposedly obtained I lived in a completely different city & area code ; yet what the " History of Payments '' reflects my current information. I have disputed this with the Collections company to which I was told to Pay or they will continue to report and update the dates so it will stay on my credit report ; I have disputed with the collections agencies that this information was incorrect & supplied them with the paper work I sent in & the letter received back. I also submitted in a copy of the Alabama LAW & LAW CODE about reporting " Payday Loans '' on credit. This account has caused multiple issues personally ; for one I have not been shown the correct paper work that they have to supply, and 2nd, under the state law is not a proper credit reportable account. XXXX  XXXX XXXX XXXX is a fraudulently reporting & damaging consumers credit reports ; with a blank disregard to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous phone calls with disrespectful representatives I decided to put everything in writing with an affidavit of truth and a letter of instruction explaining that I am the consumer, natural person and original creditor. 

I also sent in a notarized affidavit stating facts about what happened. Please ask for the consumer reporting agency to share that with you at the CFPB. 

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) no consumer reporting agency may furnish a report under the following circumstances and not other ; In accordance with written instructions of the consumer to whom it relates. When I explained this Federal Law I was yelled at by a representative about what polices they follow and was rushed off the phone. I called back only lot be passed around and hung up again.

Pursuant to 15 U.S. Code 1681n any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. This has everything to do with inquires that I did not consent to. When I expressed that I needed them to be removed I was again faced with policy. When I asked what laws they abide by I was told FCRA but no one was able to provide with which law stood in opposition to what I requested.

Pursuant to 15 U.S. Code 1681c2 I submitted documents such as my Credit Card as defined under the Truth In Lending Act as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I provided my PA Drivers License and a XXXX XXXX and was told this was not sufficient to process my request by it then was used to update other personal information that I gave to no CRA ( consumer reporting agency ).
Product: Debt collection

did not receive anything from original creditor just a notice from the collection agency aargon agency no chance to make the debt right I sent multiple letters to aargon agency asking for validation of debt with no response it has been more than 30 calendar days and I am still getting phone calls multiple times during the week.
Product: Credit card or prepaid card

I opened a claim with PayPal Credit for an amount of $ XXXX for a XXXX XXXX transaction. I placed an order online that never was picked up. PayPal Credit ( Syncrony Bank ) denied my claim with no clear reason, I never received an explanation of why my claim was denied and the credit was reversed to my account. I called Syncrony Bank and XXXX account manager did not have a valid reason, he said that XXXX XXXX provided documentation and they want something from me. I explained XXXX that there is not documentation to provide at my end. I placed an order online to pick up, the following are the terms from XXXX XXXX in regard of this kinds of orders : XXXX XXXX XXXXXXXX? XXXX Here 's how it works : During checkout, choose Store Pickup and select your store We'll show you an estimated pickup date Place your order and wait to receive a " Ready for pickup '' email ( this is a separate email from your order confirmation ) Bring your ID, credit card and order number to the store and pick up your items We'll hold your items at the store for 5 days ; if you don't make it in by then, we'll cancel the order and refund your method of payment If you cant pick up your order within 5 days and you dont want it to be canceled, check your order details for extended pickup options. 

Will asked for proof that I canceled the order, but the terms an condition in regards a cancellation for this kinds of orders are the following : Changing or canceling Store Pickup : If necessary, you can change or cancel your Store Pickup order. 

Time frames to keep in mind : To switch from Shipping to Store Pickup, let us know within 30 minutes To switch from Store Pickup to Shipping, let us know within 5 days You can cancel a Store Pickup order anytime Well hold items at the store for 5 days if you dont make it in by then, well automatically cancel the order If you cant pick up your order within 5 days and you dont want it to be canceled, check your order details for extended pickup options https : XXXX? XXXX - Per terms and conditions, I am not required to call to cancel the order, as the order gets cancel automatically after 5 days if not picked up. I did not picked up the order, and XXXX XXXX is refusing to refund my payment method.
Product: Debt collection

I have been called at least twice a day from portfolio recovery. They call from a different phone number each time they have called. I have asked them to stop on multiple occasions. The phone calls started XXXX of 2018 and have continued right to this day. Sunday- Saturday they never stop.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting XXXX ( Account Ending in XXXX ) To Whom It May Concern, I am writing to dispute inaccurate and inconsistent reporting of the XXXX account ending in XXXX on my credit report. Although the balance is listed as {$0.00}, this account contains numerous inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). 

Disputed Information and Inconsistencies 1. Date Opened : Different dates are reported across bureaus ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, Equifax : XX/XX/XXXX ). 
2. High Credit Amount : Inconsistent high credit amounts ( XXXX : {$1400.00}, XXXX : {$0.00}, Equifax : {$1000.00} ). 
3. Credit Limit : Conflicting credit limit values ( XXXX : {$1000.00}, XXXX : {$1000.00}, Equifax : {$0.00} ). 
4. Last Reported Date : Different dates of last reporting ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, Equifax : XX/XX/XXXX ). 
5. Date of Last Activity and Payment : Inconsistent dates for the last activity ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, Equifax : XX/XX/XXXX ) and last payment ( XXXX : XX/XX/XXXX, Equifax : XX/XX/XXXX ). 
6. Comments and Payment History : Comments and 2-year payment history are inconsistent across all bureaus.

Violations 1. 15 U.S.C. 1681e ( b ) : FCRA mandates maximum possible accuracy in credit reporting. These inconsistencies clearly fail to meet that standard.

2. 15 U.S.C. 1681i ( a ) : Credit reporting agencies are required to investigate disputes and correct or remove inaccurate information promptly.

Requested Resolution I request that XXXX : 1. Delete the XXXX account from my credit report entirely due to its multiple inaccuracies and inconsistencies. 
2. Provide written confirmation of the resolution and any updates made to my credit report.

Supporting Documentation 1. A copy of the XXXX credit report details highlighting the inconsistencies. 
2. Correspondence from XXXX XXXX XXXX  regarding the account transfer and their refusal to issue a 1099-C.

3. A copy of my government-issued ID and proof of address for verification. 

Please investigate this dispute promptly and notify me of your findings within 30 days, as required by law. 

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

After reviewing my recent credit report, I notice several addresses that I'm not familiar with. I have no recollection of residing at any of the addresses provided below. This is actually my third attempt at trying to remove these addresses from my credit report.XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX , XXXX  , OH XXXX-XXXX, XXXX   XXXX XXXX , XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX XXXX , OH XXXX-XXXX, XXXX XXXX XXXX XXXX, XXXX   , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX lending services XXXX XXXX XXXX, list the names of the accounts you're disputing ( just the names. 
XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On or around the week of XX/XX/XXXX my wallet, credit card, and pin was compromised and three charges were made without my authorization. I filed a police report regarding the theft with the XXXX Police Department ( Report # XXXX ). 


XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXXXX TX {$1200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX TX {$700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX TX {$160.00} I notified my credit card company of these issue and was advised it would be investigated. A month after filing the dispute a fraud investigator by the name of XXXX XXXX contacted me and stated that she reviewed the claim and felt that the transactions were valid even though she did not receive any documentation from the merchant. She said she believed them over me and she advised she would wait a week as they might provide documentation, but that she believed they probably would not and either way she was going to close the claim stating I was responsible for the transactions. I advised her that I thought it was unfair that at minimal documentation should be required from the merchant but she stated for their review it's not needed and that the decision to approve or decline a claim is at her sole discretion.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CASH APP ( BLOCK , INC . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection ACT ( 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.