23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is my third attempt trying to handle this matter with National Credit System. 

In accordance with the FDCPA, 15 U.S.C 1692 CC, I refuse to settle any financial obligation I might lawfully owe, I have not received the following documentation from you # XXXX : Validation of the debt ( the actual accounting ) ; Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; A copy of the contract signed by both parties and therefore binding both parties. 
Please also provide me with a TRUE and CERTIFIED COPY ( NOT PHOTOCOPY ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. 
Payment history from original creditor A non negotiable estoppel notice was sent XX/XX/XXXX ( CM # XXXX ) and XXXX XXXX ( CM # XXXX ) requesting the creditor to removed the following account : National Credit SystemXXXX XXXX XXXX XXXX XXXX {$3000.00}. 


Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under The Fair Debt Collection Practices Act. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY RIGHTS HAVE BEEN VIOLATED MY RIGHTS : 1. ) 15 U.S.C 1681 SECTION 602, 15 U.S.C. 1692 States I have the right to privacy.

2. ) 15 U.S.C. 1692 ( C ) ( A ) States a debt collector has to have my consent to text, call, or email you.

3. ) 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

4. ) 15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there.

5. ) 15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

6. ) 15 U.S.C 1692 ( F ) ( 8 ) - States you are not allowed to use logo or symbol on their envelopes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft several times in the past I have a new identity theft alert on my credit and I have a credit lock placed. There are three medical collections on my credit report that are not mine and were not originated by me. They are the following : 1 ) XXXX XXXX XXXX  Acct # XXXX  2 ) XXXX   Acct # XXXX 3 ) XXXX  Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion does not provide to me access to upload documents to an existing dispute. I shouldn't have to spend time and money mailing documents, disputing fraudulent information on my credit report. TransUnion is not helpful in providing support to an already horrifying ordeal to one 's identity theft. I've incurred nothing but obstacles with the credit reporting agencies- whom is ultimately responsible for storing, verifying and protecting my pertinent information. We have to trust the Social Security Administration with this vital information, yet we don't hear that our information is breached. Our banks hold our next most valued information and possession, they may be robbed, but the consumers identity and vaulables are protected and insured. Even if a consumer dispute something with banks or other financial sources, they are not putting more stress on a consumer for an despicable an unjust act occurred not of their doing,. TransUnion has items listed on my credit report showing long before I disputed these fraudulent accounts. I need TransUnion to remove the fraudulent items. I am trying to buy a house and new car asap
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Transunion Credit Reporting Agency. I have tried on recent occassions and as late as XX/XX/2022 to request an update on all eroneous accounts that have been resolved with proof of 1099C filings. I have sent in the copy to Transunion via Certified Mail, and the issue was never resolved or updated. All Credit Profiles on my account are incorrect in outstanding balance, payment history, as well as inquiries ( which violates FCRA Regulations ). 

I had also requested that your agency resolve my concerns and that request was never honored as well. This has caused great harm to myself and my ability to obtain credit in the future.
Product: Credit reporting or other personal consumer reports

I did not authorized these inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. Please see attached file for these items I am complaining. 
"
Product: Checking or savings account

XXXX overdraft fees have been hitting my account even when they write amount of money has been in the account. And for a prolonged time, I would have multiple pending transactions, but it would never seem that the transactions are paid for properly, so Im constantly getting hit with the overdraft fee.
Product: Credit reporting or other personal consumer reports

XXXX & Equifax continue to report incorrect information on my consumer report my name and address are listed incorrectly. My name is XXXX XXXX and my address is XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX to there should be no other names or addresses listed on my report.
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 is 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 a tremendous inconvenience and significant financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

There are several inaccurate information on my consumer report regarding the following account number XXXX. The first major inaccuracy is that the account numbers do NOT match up. Both XXXX and XXXX are showing the above account number however, Equifax has been changing the account number on a monthly basis. This month the account number is XXXX and previously it was XXXX when the true account number is XXXX. This is a huge violation of the Fair Credit Reporting Act. The second inaccurate information about this account is the late payment that were reported when I was never late. Pursuant to the exclusion section of the Fair Credit Reporting Act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, Late payments ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. This is an experience of mine that can not be reported as it violates this section of the act. Additionally pursuant to 15 U.S. Code 1666b a credit may NOT treat any payment on an open end consumer credit plan as late.
Product: Credit reporting or other personal consumer reports

Ordered from XXXX on XXXX with payment plan through XXXX. 
All items were returned. 
XXXX did not resolve pending returns with XXXX, account status showed a remaining balance. 
XXXX confirmed the remaining balance was less than what XXXX showed. 
Paid remaining balance once XXXX and XXXX settled the dispute and confirmed all items were returned. XXXX provided documentation of proof ; responsible for repayment was false and account was paid in full. While the disput was being settled between XXXX and XXXX about the returned products, XXXX falsely reported late payments to my credit report showing as a negative. Provided proof to Experian and they still did not correct or remove the false reporting.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that exposed critical shortcomings within the platform. Despite my frequent use of Zelle and my efforts to report transaction discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering my lost funds was impossible and that tracking the disputed transactions was not feasible. The CFPBs findings reveal a troubling pattern where Zelle has not only failed to adequately protect its users but has also allowed repeat offenders to exploit the platform, leaving consumers increasingly vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have disputed directly with the credit bureaus to make them aware that the collection agency does not have a surety bond on file and is definitely in violation of the XXXX XXXX XXXX. As usual, XXXX continues to report. I have attached proof from the Secretary of State. The collection is a third party and is in violation. XXXX insists on reporting this account.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been seeking for immediate action and fiduciary trusteeship of XXXX XXXX XXXX due to inaccurate information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. 
XXXX XXXX XXXX has failed to properly remedy and investigate this matter.
Product: Debt collection

On I filed an Identity Theft Affidavit with the FTC on XX/XX/XXXX in result of the information reported against me regarding a defaulted account reported by Bank of America under account number XXXX. 
This account was used without my consent and knowledge. I reported suspicious activity and the use of my personal information to my local PO department as per stated in my FTC Identity Theft Report filed XXXX. 
I have made 3 attempts to request a Fraud Packet from this institution to continue the process as described by the FTC and each time I have been told that I will receive it in the mail. 
Time of Event : XX/XX/XXXX I disputed this account via XXXX and uploaded ( 2 ) forms of ID and ID Theft Affidavit XX/XX/XXXX I called Bank of America and requested a Fraud Packet as advised by FTC XX/XX/XXXX visited my local branch and requested a Fraud Packet as advised by FTC On XX/XX/XXXX I wrote to Bank of America and mailed it certified delivery with USPS ( see attached letter ) and to date I have not received a response. I am repeatedly reuqesting that BOA amend this account and remove the inaccurate derogotary information from my reports because as a result of this incorrect reporting I am experiencing extreem financial hardship.
Product: Debt collection

A law firm called XXXX XXXX XXXX have been calling using a third party company that provides legal notifications and provided a case number and phone number to contact XXXX. Once I called the provided a false Social, with a prior last name I had and an old address of about 15 years ago. Starting there was a credit card debt under my social with Capital One. Once I contacted Capital one the account was real but with all incorrect information and a product of identity theft. Case opened through Capital one and once I contacted the Law firm to advised them a case was opened they asked for my current address to send me an official dispute form. Representative became highly unprofessional when I refused to provide the address and would not provide the address for the Law Firm and was disconnected. Second rep also was upset and stated she knew my case and I had listened to our 10 minute call while I was on hold with them for 3 mins. She stated I was not a customer and I did not need to receive customer service and to do what I like. Refused to provide the address for the Law Firm.
Product: Debt collection

I am a victim of identity theft and I have notified the original creditor XXXX XXXX and the collection agency Southwest Recovery Services. During my divorce proceedings the judge ruled that this account is not my debt as my identity was used to open this account by my ex-husband. I have disputed this account with XXXX as well and they refuse to remove the account from my file. Account # XXXX in the amount of {$6300.00} opened on XX/XX/2017.
Product: Credit card or prepaid card

At XX/XX/XXXX, I applied the Marriott XXXX XXXX credit card with the promotional offer of 'XXXX Bonus points after you spend {$3000.00} on purchases in your first 3 months from your account opening a with your Marriott XXXX XXXX credit card. ' I fulfilled the requirement and never received the bonus. 
I called Chase Bank to resolve not receiving the bonus around XX/XX/XXXX. They claimed my application did not come with such offer. Therefore, I would not receive the XXXX bonus point.

I would consider this was a lie for the following reason : 1. Chase Bank website is showing such offer and I applied through that website. 
2. I once called Chase around XX/XX/XXXX. I ask if I could have a match to the offer during that time which was XXXX Bonus point. During the conversation, the representative clearly mentioned my current offer was XXXX Bonus points and he would applied for a match to XXXX  Bonus point. 
It is extremely disappointing for Chase, such established bank, not honoring the promotional offers and it is even disgusting to tell lies.
Product: Mortgage

To whom it may concern : I have lived in the XXXX area my entire XXXX years of life. I bought my home in XXXX after I rented it for XXXX years. I have seen so many good times here, and recently I 've seen a few bad times due to the economy and a short-term job loss. Unfortunately, I may be forced out of my home by my mortgage note holder ... CHFA HAS SET UP A SALE DATE FOR XXXX XXXX, XXXX!!! 

I am an XXXX. I 've been doing this for XXXX years at least, and I 'm good at what I do. However, I work on commission. Unfortunately, there was very little work due to the slowed economy in late XXXX into most of XXXX. My income suffered, and all of a sudden I found myself behind on my mortgage. I finally was able to switch jobs late in XXXX and now have more than recovered financially. I just need a little assistance in getting this problem solved since XXXX has completely dropped the ball. 

When I fell behind on my mortgage in XXXX, I contacted CHFA to try and get a loan modification to fix this issue. I asked them to send me an application packet, but it took XXXX or XXXX different requests before XXXX actually was sent!! I then jumped on it and did my part by getting them all the documents they needed to review me for a solution. I was hoping for an answer, but instead I was told they did n't receive it. It took me sending the complete package XXXX different times before XXXX finally acknowledged that they received it, which was just a couple of months ago. They even denied receiving a previous submission I sent by certified mail!! 

By the time they finally got my application, a sale date had been issued. I thought XXXX would be decent and postpone the sale while they reviewed by application ... but they did n't!! I still have n't heard a word about my application, and the sale of my home is going to proceed -- -- -- -is n't that illegal?? 

It 's funny how when I fell behind, I could n't keep XXXX off my phone line since all they did was make collection calls to me throughout the day asking me what I was going to do about this. But when I was trying to solve the problem, I could n't even get a single point of contact, just a general phone number to department where everyone I talked to had a different answer than the last person I talked to. Plus, they made it almost impossible to apply for assistance, and now that I finally have, I do n't hear a peep from them? 

I feel like I 'm being denied access to programs that should be made available to me. I had a legitimate hardship and I 've recovered and want to make good on my mortgage. Is n't that what these programs are designed for? I 'm not asking for a handout or for something I do n't deserve. All I 'm asking for is to be treated fairly and be given an opportunity to solve this issue and move forward. I simply want a review of my mortgage for all available retention options so that I can keep my home. My financial future looks bright and I do n't anticipate having any financial issues moving forward if I can get this resolved reasonably. Thank you in advance for any help you could provide.
Product: Checking or savings account

Square inc is terrible when resolving disputes between customers when debiting too soon for funds between business and customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently have been reviewing my credit report which made me notice that I am a victim of identity theft. All derogatory/collection accounts I do not recognize and multiple inquiries XXXX with Transunion, XXXX with XXXX, and XXXX with XXXX as of now. I am currently just starting to understand my credit and really hate this happened to me.
Product: Debt collection

Received letter dated : XX/XX/2020 From CCM Capital Collection Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Stated : PAST DUE NOTICE w/prior notification clause also that alters any of your rights as previously described ... 

Amount requested ; {$13000.00} ( full balance ) or {$350.00} Signed, XXXX XXXX Telephone call with Creditor XXXX / XXXX XXXX Just now XX/XX/2020 @ XXXX XXXX Verified that the account is in good standing and that there exists no past due notice. She will annotate the account to reflect fraud potential but would not verify if this CCM has an agency relationship with XXXX.