23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have had two conversations with representatives of this law office regarding a possible settlement of this debt over the past year or so. Neither went far at the time because we lacked the means to make payments. 

This law office had someone who identified themselves as a process server deliver 5 documents that appear to be legal summonses related to some old student loans my wife took out going to school. I was left with the distinct impression that the company was taking legal action against us. However, when I contacted superior court in my county, I found that no suit had been filed and no paperwork submitted. Upon examination, the summonses all lacked specific court case numbers, but otherwise appear to be legal documents. They just say " pending '' where the normal court assigned numbers would be.
Product: Credit reporting or other personal consumer reports

please check the information concerning the equitax data breach below in attachments
Product: Debt collection

i do not owe cavalry any money.. i do not have no contract with this company..
Product: Money transfer, virtual currency, or money service

The cashier at a pay o matic at XXXX XXXX XXXX XXXX XXXX  said I was blocked from picking up a XXXX XXXX transaction. I asked why and said that someone put a block on my name and we couldn't serve me. I asked what kind of block, and she said the person who blocked you didn't put any information in on who's blocking you. This money is social security for housing and medicine. This was done intentionally because of a connection to a federal case in XXXX XXXX. I said when XXXX XXXX XXXX XXXX suspended my debit card usage, it was one card. The letter sent to you stated one card, but they suspended all my cards, and according to banking regulations, it should've been the one where the suspected fraud was. You're allowing my safety to be put at risk because I'm being smeared by an illegal flyer put out by an XXXX XXXX XXXX XXXXXXXX and she's being assisted in covering wrongdoings by XXXX XXXX. Because of my knowledge of the thefts of the pensions thousands of XXXX XXXX This main person behind is a former XXXX commissnor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. But pay o matic is refusing to pay and I have several recent XXXX XXXX I've as recent as last month. But this is personal they know I live in a hotel and want to force me out so they can target me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Control is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),
Product: Credit reporting or other personal consumer reports

In keeping with the Fair Credit Reporting Act, I am asking that my claim be investigated and any unauthorized inquiries removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Date : XXXX/XXXX/XXXX amounts : {$19.00} I was signing up an account on TransUnion website. It was just for signing up a new account, but my credit card was charged by TransUnion. I XXXX percent did not approve this transaction. 

TransUnion is a XXXX on this. It let me input my credit card number to validate my identity, but that 's not true.
Product: Debt collection

The debt was charged off by BANK OF AMERICA in XXXX and now there suing me for something that according to the IRS a 1099C must be filed and send a copy when they do so for a debt of {$600.00} or more as a canceled debt. This came from the IRS Publication XXXX.
Product: Debt collection

This debt is incorrect. Absolute Resolutions filed a lawsuit against me in XXXX, and subsequently filed a motion to dismiss the lawsuit in XX/XX/XXXX because they do not have the evidence to prove this debt is correct. See attached dismissal. 

Further, I disputed this debt directly with Absolute Resolutions as well as the Credit Bureaus in XX/XX/XXXX. On XX/XX/XXXX Absolute Resolutions sent me the attached letter stating they were instructing the Credit Bureau 's to delete this account from my credit report. They have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX, Equifax, and XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from TRANSWORLD SYSTEMS in XXXX of 2017 in the amount of {$910.00}. First and foremost, I have confirmed that the debt collector, TRANSWORLD SYSTEMS is not licensed in the state of Texas to collect on this debt. Secondly, TRANSWORLD SYSTEMS violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to TRANSWORLD SYSTEMS? I have never heard of them, have no written contract with them and have never received any benefits from them, yet TRANSWORLD SYSTEMS has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$910.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/scrub>XXXX XXXX XXXX Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) I am writing to formally dispute the claim of civil liability for negligence referenced as XXXX XXXX. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : 1. I have no verified debt with XXXX XXXX XXXX. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had a fraudulent account on my report. Please remove this account from my credit report, it is hurting my XXXX XXXX and making it difficult to obtain credit. Account listed below. 

XXXX XXXX XXXX - # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed.

Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, XXXX XXXX has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011.

Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting all credit reporting agencies immediately remove from their information my 2001 XXXX XXXX XXXX XXXX from their files. Most states remove their records that type of information after 10 years. In VA it is 20 years. Please work with all the credit reporting agencies to have that removed completely from their data. My file has both civil and XXXX and I want both removed. That would resolve the issue.
Product: Debt collection

I try several times to contact Equifax about only one item that i have problem on there file against me.They not investigate it look like they are part of collection agency even the report that they have on file is fully of errors The Equifax investigation was not done on proper way.They Part of Collection agency that they report me fully of errors.Operator suggest me to pay to avoid further law actions from the collection agency.They can't threat people like this.They was told to me that Equifax don't have a power to remove items only the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Discover Bank Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 section A states I have a right to privacy.

15 U.S.C. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have my student loan with XXXX XXXX. This is because of the PSLF program. 
XXXX has been taking unauthorized actions on my account without providing proper notice. XXXX placed my account on forbearance without informing me or obtaining my consent, leading to a decrease in the number of payments applicable to my PSLF credit. Further, XXXX has not kept accurate records of my payments. XXXX does not inform me when it takes actions on my loan, or obtain my permission before placing me on different payment plans or notify me of account changes. Since XXXX is the only provider that administers PSLF, their actions are unfair and discriminatory. If this complaint is not resolved, I am unafraid of taking legal action against XXXX, CFPB and the Ombudsman if necessary to ensure my loan is properly administered.
Product: Credit card

In XXXX XXXX I filed a dispute with experience to have them take off close the account on my credit they never reached out to me. I was also getting notified that they were giving away my information to other companies. Without my knowledge they were leaking my information.
Product: Credit card

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( XXXX XXXX XXXX ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per XXXX XXXX effective immediately and indefinitely. JPMCB - CARD SERVICE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certificate letter to Experian regarding the dispute results XXXX.In that results Experian indicate that the US Bankruptcy XXXX and XXXX listed on my credit reports belong to me because they obtained the information through a third party vendor XXXX. In my certified letter sent ( XXXX ) I provided to Experian two letters sent by XXXX indicating that even XXXX and XXXX were removed from my XXXX report since XXXX. Despite those letters they do not want to eliminate those accounts from my credit report attached letter from XXXX XXXX part of a previous complain opened # XXXX
Product: Credit reporting or other personal consumer reports

I recently received a notice from TransUnion that a dispute was verified as accurate. I sent notice requesting verification and Transunion has not responded. I requested a copy of the investigation along with verification information on XXXX, and again in XXXX. I have not received any investigation results or any documented response from Transunion.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion Consumer Solutions. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Equifax, has violated my rights. 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX of XXXX,, I fell victim to a multi-layered scam operation run by a group of scammers ( the XXXX ), which involved me making deposits for a total amount of XXXX USD from my Coinbase account to a fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

There are accounts and inquiries on my consumer report that do not belong to me and is a result of identity theft. My personal information was stolen and used without my permission. Personal information including my name, date of birth, and social security number. I did not provide written permission or instructions for the identified transactions or information to be reported on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd CFPB complaint to be submitted informing the Credit Reporting Agencies that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Under the Fair Credit Reporting Act section 605b, which requires the Credit Reporting Agencies to remove any fraudulent accounts and information that resulted due to identity theft, please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Had active medicaid insurance. Dr office did not get proper authorization for follow up. Per billing guidelines can not bill patient for physicians office error, office responsible for getting authorization. Dr office stated I signed a medicaid ABN stating I would be responsible for charges not covered, however if proper authorization had been obtained insurance woild have paid. Spoke with medicaid billing line and confirmed physicians office never got proper paperwork. Also informed physicians office can not bill me for the balance as a medicaid patient.
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 ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. ( XXXX, XXXX ) due to inadequate customer service and unfair practices, which violate the XXXX XXXX XXXX XXXX ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Money transfers

Paypal submitted a credit check on myself, without permission after I had made a purchase. There was more than enough money in the account. No need to charge anything to credit, nor apply for credit.
Product: Credit reporting or other personal consumer reports

I've sent my letter to Equifax to remove inaccurate information and I received a investigation updated information that didn't line up with my initial credit report. I sent in my updated information and it was not applied. I didn't give anyone authorization or consent to tamper with my credit report. I had XXXX and multiple XXXX  and I know I am disputing some other charges as well. 

Thank you for your help
Product: Checking or savings account

Still have not received my direct deposit from my employer. Employer provided the information that they have submitted everything correctly. My pay stub even said the direct deposit was sent to capital one account. But there is so direct deposit and its now been 3 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX  Account # XXXX, Account # XXXX, Account # XXXX, has violated my consumer rights 15 USC 1681 Section 602 A. - States I the consumer have the right to Privacy. 

15 USC 1681 Section 604 A Section 2 - it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1681 ( a ) ( 4 ) - There is a need to insure that the Consumer Reporting Agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a respect for the consumer 's rights to Privacy