23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company removed collection then reinstated it. Subject : Formal Complaint Regarding Unfair Re-Inclusion of a Collection Account To Whom It May Concern, I am writing to formally dispute the removal and subsequent re-inclusion of a collection account on my credit report. The account in question is On XXXX, I successfully disputed this account, and it was removed from my credit report. However, on [ Date ], I noticed that the same collection account had been re-added without proper notification or justification. This practice appears to be a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that any reinserted account must be accompanied by a formal notification within five business days of its reappearance. 

I am requesting the CFPB to investigate this matter and take appropriate action against the credit reporting agencies and/or collection agency responsible for this inaccurate reporting. Additionally, I am requesting the immediate removal of this account if the collection agency can not provide legitimate proof of its validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE & DESIST from reporting unauthorized FRAUDULENT account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX Credit Report : XXXX XXXX XXXX has three ( 3 )  accounts listed as closed : Negative, XX/XX/XXXX, Paid, XX/XX/XXXX, Negative, XX/XX/XXXX. I have an account in collections listed as XXXX XXXX XXXX listing XXXX XXXX XXXX as the original creditor with an Open Date of XX/XX/XXXX and a balance of {$6900.00}. This is an old account, can not be verified and needs to be removed. 
XXXX XXXX XXXX Shows an account in collections for {$2500.00} that was opened on XX/XX/XXXX with an original Creditor of XXXX XXXX XXXX. I lived in those apartments over 6 years ago and was completely unaware of any debt, this needs to be verified. 
XXXX XXXX XXXX . is listed for collections with an original creditor of XXXX XXXX XXXX  XXXX XXXX. for {$1000.00} with an open date of XX/XX/XXXX. I have no collections with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX listed as a closed account in XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX Open XX/XX/XXXX. Balance XXXX The account is showing that I was 30 days late. I have confirmation that all payments were made before due date. This is having a negative impact on my score and my credit worthiness. 

XXXX XXXX Open XX/XX/XXXX Balance is {$8800.00} This account is show 30 day late. have confirmation that all payments were made before due date. This is having a negative impact on my score and my credit worthiness. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a text from XXXX, " Equifax noticed that your scores dropped by 46 pints on XX/XX/XXXX and must be confirmed or disputed by today here XXXX ''. This is a phishing attempt.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, XXXX restricted my account, which holds approximately {$80000.00} worth of cryptocurrency. This restriction prevents me from selling or transferring any of my assets. I originally purchased these cryptocurrencies through the XXXX app and intended to sell them to cover my daily expenses as market conditions changed. 

XXXX app initially displayed a banner stating that the restriction would be lifted by XX/XX/year>. However, when that date arrived, they repeatedly pushed back the estimated resolution date by XXXX day at a time. The banner only displays a message saying, " No action needed, '' without providing any real updates or solutions. 

Desperate to access my funds, I contacted XXXX via both phone and email. Their support team only give me a case ID : XXXX, and informed me that they have no control over the restriction, do not know the reason for it, and that there is nothing I can do to resolve the issueonly wait indefinitely. 

So far, the only update I got from XXXX is still the banner saying XXXXNo action needed ' and an ETA that got pushed back day by day. 

This situation has caused significant financial hardship to me and is severely impacting my entire family 's well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMER FST FIN HAS CONTINUED TO REPORT A FRAUDULENT ACCOUNT ON MY CREDIT FILE. THIS ACCOUNT IS NOT MINE AND IS A RESULT OF IDENTITY THEFT. I HAVE SENT NUMEROUS DISPUTES, PROVIDED A IDENTITY THEFT AFFADAVIT, AND SUBMITTED NECESSARY DOCUMENTATION TO XXXX XXXX. I ALSO HAVE REQUESTED ANY INFORMATION PERTAINING TO THIS ACCOUNT BE SENT TO ME DIRECTLY AS PERMITTED IN IDENTITY THEFT CASES. IVE SUBMITTED A DIRECT DISPUTE TO AMERICA FIRST FINANCE TWICE WITH PROOF OF DELIVERY AND THEY HAVE FAILED TO RESPOND TO MY DISPUTE BUT CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT TO MY CREDIT FILE WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FCRA. 

XXXX XXXX HAS ALSO CONTINUED TO REPORT THIS FRAUDULENT ACCOUNT EVEN AFTER ALL IDENTITY THEFT INFORMATION AND A REQUEST TO BLOCK THIS ACCOUNT HAS BEEN MADE. XXXX XXXX AND AMERICA FIRST FINANCE HAVE BOTH REPEATEDLY IGNORED MY DISPUTE AND REQUEST TO REMOVE THIS FRAUDULENT ACCOUNT. THIS IS AN ACT OF WILFUL NON-COMPLIANCE AND IS A DIRECT VIOLATION OF MY RIGHTS. THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureaus INC who had my account with XXXX XXXX was paid off. They are not removing the Debt from my credit reports ; XXXX XXXX or XXXX. I have filed disputes as well. It is showing that 0 % was paid off. Bureaus INC sold the account to XXXX XXXX and I settled the debt with them for {$710.00} and it was drafted from my acct XXXX XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.
Product: Debt collection

Asked for verification of debt and was sent a letter that said that debt is valid and cease of contact.
Product: Debt collection

Lvnv funding LLC XXXXXXXX XXXX XXXXXXXX bank XXXX open XXXX amount XXXX sold to this company
Product: Vehicle loan or lease

American Credit Acceptance ... ..For the last 3 months the account payment status has been reported every 30 days. The status is supposed to be reported each 30 days on the XXXX of the month. I have had to make repeated calls and request to report accurately and each 30 days. Example today is XX/XX/XXXX and the last reporting was supposed to be XX/XX/XXXX however the last reporting was XX/XX/XXXX. It was supposed to be XX/XX/XXXX. It is now XX/XX/XXXX and last months payment status has still not been reported. They state they reported status XX/XX/XXXX and credit bureaus take up to 10 days to update. This is not true. The credit bureaus do not delay reporting status.
Product: Checking or savings account

I tried to deposit cash into my bank atm at XXXX pm sunday And it didn't work, it also kept my cash and locked up the atm machine. I am going to be late for work but wanted to make some kind d of record of the incident because it is Sunday and I can not get ahold of anyone to report it.
Product: Mortgage

The mortgage is telling me that they have not received payment since XXXX when we been making the payments each week the money we been sending them they have been accepting it but they have threaten us to repo my trailer if it has not resolved
Product: Bank account or service

please refer to # XXXX I had a acc with XXXX XXXX they closed my acc and are telling me I am stuck with the credit card processor till the end of the contract. I was told I would be let out of it by XXXX in security. XXXX XXXX vice president of consumer affairs was rude condescending. please help its been going on for 4 months.
Product: Credit reporting or other personal consumer reports

Debt collection wanted me pay for something I didnt have at all
Product: Payday loan, title loan, or personal loan

I GOT A 18 MONTH PERSONAL LOAN WITH PAYOUT EARLY WITH NO PENDALTY AND SAVING ON THE INTEREST. THE LOAN AMOUNT WAS {$1500.00}. THE FIRST MONTH PAYMENT WAS {$120.00} BUT I PAID WELL OVER THE MONTHLY AMOUNT MY GOAL WAS TO PAYOFF EARLY. I CALL THE COMPANY IN XXXX FOR A PAYOFF THEPAYOFF BALANCE WAS {$600.00} BUT I HAD CREDIT ON THE ACCOUNT WITH NO PAYMENT FOR 6 MONTHS. I STATED ON MY CHECKS AND BY PHONE THAT THE EXTRA AMOUNT WAS TO DECREASE THE INTEREST OWED. SO I ASK FOR A PRINTOUT OF MY ACCOUNT THE MANAGER STATED THAT THERE WAS NO PRINTOUT FOR MY ACCOUNT. CALLING CORP OFFICE FOR THE BALANCE I NEEDED TO CALL LOCAL OFFICE.I HAVE A CREDIT FOR THE ACCOUNT FOR 6 MONTHS NO PAYMENTS I NEED THE CREDIT TO BE APPLY TO THE ACCOUNT. IF I HAVE DID NOT PAY I KNOW THE COMPANY WOULD MAIL OUT REMINDER BUT NOT A PRINTOUT TO MY SURE THE COMPANY IS INCOMPLIANCE.
Product: Debt collection

I became aware of this debt with Caine and Weiner around XXXX XXXX  When I noticed a collection account on my CR. At which point I disputed with XXXX. Around XX/XX/2020 I was notified by XXXX the Debt was Valid. Due to the Pandemic I put this on my get to eventually list. I recently reached out to Cain and Weiner to get this account resolved. They informed me they had no account information to give me, and directed me to XXXX. I spoke with XXXX Fraud department who informed me their system doesn't show I ever had an account listed, and directed me back to Caine and Weiner. I have provided Caine and Weiner with my full name, social and address however they are unable to tell me when and by who this account was opened. Or with any other pertinent information. Knowing this I have asked Caine and Weiner to please have this account removed. As it is Fraudulent. I was told it was nothing they could do. And that I should dispute with XXXX again. Which I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my cell phone and wallet stolen while attending a medical conference in XXXX XXXX, LA XX/XX/XXXX. When I arrived home on XX/XX/XXXX and ultimately had access to the internet, XXXX XXXX informed me via email that a new hard inquiry appeared on my credit report. I discovered that a Goldman Sachs Apple Card had been opened in my name and that {$4700.00} had been charged. I immediately contacted Goldman Sachs and Apple to inform them of this fraudulent activity. I was advised to change my log-in information and informed that I would not be responsible for fraudulent charges and that the account would be closed. They requested that I document this information on IdentityTheft.gov and submit this information to XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. I completed this information and submitted it to them the subsequent day. I filed a police report with XXXX XXXX Item : XXXX. I froze my credit and created fraud alerts with all three credit bureaus. Over the last several months, I have contacted Goldman Sachs countless times without any hint of a resolution. I filed a dispute with XXXX  on XX/XX/2020.  Unfortunately, the result was that the disputed information was somehow verified as accurate. I then received an email from Apple Card on XX/XX/2020 that said my Apple Card account was 48 days past due and that my past due balance was XXXX. This was the first time I had received anything in writing from Apple or Goldman Sachs. I spoke to Goldman Sachs at least five additional times including supervisors all of whom say they have 'escalated the situation ', that I should not be receiving these bills but that I should just continue to call back in a few days. I again filed a dispute with XXXX  XX/XX/2020. I reviewed my credit report today after I was notified of a drop in my score to find that my payment history now includes my first ever missed payment.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts Ive marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This mortgage corporations has violated my Federally Protected Consumer Rights, Pursuant to XXXX XXXX XXXX ( a ) failure to disclose more conspicuously, on determination of a finance charge, also violating XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE .... XXXX XXXX value and consideration, there was no evidence of a debt on the face of the Consumer Credit Transaction XXXX My name was on the deed before I went to the closing table, according to XXXX XXXX XXXX the seller needs to perform in lieu of the buyers obligation to perform ... ... ..other complaints are in my files uploaded.
Product: Money transfers

I found an ad on XXXX for tickets to a basketball game that were very cheap. The seller asked that I pay using Paypal and that they would send me the tickets electronically. Since I knew Paypal to have guarantees against fraud I went ahead and sent the money via their mobile app. No tickets were forthcoming. 
It turns out that the scammer asked me to use Paypal 's " send to friends and family '' payment option which does n't offer said fraud guarantees something that is n't noted in the sending money process.
Product: Debt collection

Mercantile Adjustment Bureau ( XXXX ) has begun calling me " about a business matter '' but they refuse to give me any details until I give them all sorts of personal information like address, DOB and last XXXX of social. Seems like they should n't be allowed to ask for personal information - I 'm sure not going to give them any - and should n't be allowed to call if they 're not going to tell me what they 're calling about. 

These are the same scumbags that were calling me a couple of years ago about something. I asked them for documentation of what they said I owed and did n't hear a peep for a couple of years it seems like.
Product: Credit reporting or other personal consumer reports

HOME DEPOT CREDIT SERIVICES reported an inquiry on my credit report without my knowledge nor written disclosure regarding such report being made. The company also failed to provide me with the option to opt out of sharing my information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc ) due to inadequate customer service and unfair practices which violates the Consumer federal Protection Act. Specifically cash app failed to take timely and affective 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 and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

I AM RECEIVING A CALL I THINK IT IS IN REGARDS TO A STUDENT LOAN. I AM CURRENT WITH MY STUDENT LOAN DEBT, AND OF MY BILLS ARE CURRENT. BUT THIS COMPANY CALLED GC SERVICES CALLS ME EVERYDAY ...
Product: Credit card or prepaid card

I was alerted by my credit monitoring company that a hard inquiry was made by JP Morgan Chase. I immediately called their fraud department and they informed me that an application for a business credit card was applied for by someone other than me. They immediately canceled the application, which I appreciate. 

What they could not or would not tell me was the address that this fraudulent application originated from. They said they would investigate and send me the information via US Postal service. I am skeptical that they are going to send me the information at all.
Product: Credit card or prepaid card

On XX/XX/2018 I attempted multiple times to make a payment online on my XXXX XXXX  ( issued by XXXX XXXX   ). The date field of the payment was blank with no ability to select a date or type in a date for the payment. I tried multiple browsers including XXXX XXXX XXXX XXXX and XXXX. All had the same issue.

I suspect the date field is blank because my account hasn't cycled yet, indicating the bank is intentionally preventing me from making an " early '' payment on my account, which, of course, is illegal.

The chat feature was not available, email was not available and I was told that I couldn't make a payment by phone from my attached PayPal account ( the way I've always done in the past ). I finally had to make the payment by phone from my checking account, forcing me to reveal my bank 's routing number and account number to a customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/2023 someone hacked my computer and XXXX, them self $ XXXX dollars and $ XXXX .I have contacted my bank and XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the EFTA and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent various letters to challenge the accuracy of Equifax reporting a XXXX XXXX. On XXXX XX/XX/XXXX they stated they verified the US Bankruptcy Court entry on XX/XX/XXXX. In my letter dated on XX/XX/XXXX I asked them to send me various information on who verified this entry especially when the US Bankruptcy Court has a memo that stated they are not responsible for verifying or validating information from consumers XXXX credit files. Please see the attached documentation.
Product: Credit reporting or other personal consumer reports

Lockhart, Morris, and Montgomery are the second debt collection company that bought this debt after the original creditor. I requested verification of the debt and never received anything. The reason I requested verification of the debt because it's not my debt for starters. The only reason I took notice of this at all was because I received notices from XXXX and XXXX XXXX concerning data breaches about a month and half ago. I start digging discovering my DL and SSN has been exposed since XXXXNot only this account even in reviewing my bank statements I found fraudulent charges. This has been going on for nearly a decade I just didn't pay attention unfortunately. I sent a debt verification letter in XXXX XXXX I still haven't received verification to date. Which is the reason I am making this complaint ; I have also filed identity theft due to the various occurrences that affect my livelihood beyond this situation.
Product: Credit card

Best Buy XXXX placed 37 separate calls to my phone over a 6 day period for collection of an overdue amount of {$53.00}. Calls occurred between XXXX and XXXX.