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

Public Records Information is NEVER validated by the Recorder of Deeds nor the U. S Court system due to the FCRA Privacy Law. 

Delete the Bankruptcy using consumer laws.

15 USC 1681a ( e ) never validated or verified the public record entry.

15 USC 1681b ( aN ( 2 ) No consent to furnish any information.

15 USC1681c ( a ) Bankruptcy information is EXCLUDED From, the consumer report.

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports LETTER FOR BANKRUPTCY ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Careless Enablement of Character Fraud 3. ) Infringement of the Reasonable Credit Detailing Act 4. ) Defamation 5. ) Negligent Enablement of Identity Fraud 6. ) Violations of the Fair Credit Reporting Act 7. ) Financial Injury 8. ) PENALTY OF PERJURY 9. ) Violations of 15 U.S.C 1692g 10. ) 15 U.S.C 1692a abusive practices 11. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 12. ) 15 U.S. code 1681 4A B2 Misleading False Reporting My contact information is as follows : XXXX XXXX XXXX XX/XX/year> XXXX XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Divison of consumer complaints
Product: Credit reporting or other personal consumer reports

Theres inaccurate information being reported on my credit, which has now tanked my score. Ive reached out to all 3 bureaus as well as the companies reporting the credit. Ive had to file for identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Credit Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX  XXXX Reference Account # XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Account XXXX 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 states : A consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

GLA Collection Company, XXXX XXXX XXXX, XXXX, KY XXXX A Medical dispute for XXXX and was paid to this company-for XXXX XXXX XXXX. 
I have disputed it about six months ago and XXXX  will not remove this from my credit report as of XX/XX/XXXX. It was taken off of my XXXX  and XXXX  credit reports. 
Also, my bill is {$460.00} and was paid off during the XXXX  breach which I was a part of. 
XXXX, XXXX XXXX  to XXXX XXXX EST Mon-Friday.
Product: Debt collection

Several accounts across my credit reports are false, paid off and promised to be removed and weren't, or are not supposed to be on my reports. Accounts that shouldn't be on there that were paid off or just should be removed due to other circumstances are XXXX XXXX, this account was paid in full on XX/XX/XXXX they promised to send me a paid in full letter and remove it from my report upon me contacting them I just now received the paid in full letter yet has only been removed from my XXXX report, XXXX XXXX account was paid in full XX/XX/XXXX disputed this when paid in full I have not received my paid in full letter and as the other account was not removed from any of my reports, XXXX this account should have been removed several years ago when it was paid in full but still has not, XXXX XXXX accounts all have been paid in full many years ago and should be removed due to age of accounts, XXXX XXXX account was also paid in full and was told they would remove it when it was paid in full.
Product: Credit reporting or other personal consumer reports

Experian sends me monthly notifications to my email because I pay a monthly monitoring fee. 
Each month they have my balance incorrectly reporting. I told them repeatedly of my due and close dates on accounts. They either pull them at the wrong dates or report higher balances than I obtain after my close dates. 
I have constantly tried fixing this issue only to be transferred over and over and even spoken to rudely and hung up on.

My score has plummeted over 100+ points due to their negligence and I have been denied housing due to this.
Product: Debt collection

XXXX XXXX XXXX  has a defaulted account in my name for a XXXX XXXX store card I never opened. I had identity theft issues during the XXXX  breach a few years back. I disputed many accounts that came up in my name but have had a lot of trouble with this particular one. Ive disputed many times and other. Credit collection companies just pick it up again
Product: Debt collection

XX/XX/XXXX sent letter via companies site requesting the following : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt.

2. The original agreement bearing my signature stating that I have agreed to assume the alleged debt including the original date the alleged debt became payable.

3. Valid copies of the original alleged debt agreement stating the amount of the debt and interest charges including the date of the original charge off and delinquency.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Provide proof that you are licensed to collect in the state of Georgia ; and 7. Your license numbers and Registered Agent.

Company has continued to harass me via telephone without providing proof of debt owed. I have verbally and in written form requested the phone calls to cease. They continue to call from new numbers each time I block them. this has happens daily. They have called from more than 15 different numbers. I spoke to an agent and told her stop calling me! I sent a cease and desist letter. They continue to harass relentlessly.
Product: Checking or savings account

On XX/XX/year>, a family member visited a Truist branch on my behalf to deposit a {$50000.00} settlement check related to an accident I was involved in. Due to a XXXX XXXXXXXX XXXX XXXX XXXX  and unable to handle the deposit myself. This settlement check had been long awaited, nearly a year in the making, and is crucial to my financial stability. 

Initially, Truist held my account for 24 hours before finally depositing the funds. At that time, I was informed that my funds would be accessible by XX/XX/XXXX. Understanding that I am a relatively new customer, I acknowledged Truists need to review my financial history. 

However, despite Truists assurance of an update within 2-3 business days, I received no communication by XX/XX/XXXX. When I called that day to inquire, I was told there were no updates on my account, but was given a case number and contact information for a separate department handling my case. I reached out again on XX/XX/XXXX and was assured I would receive an update by XX/XX/XXXX. Yet, upon calling today ( XX/XX/XXXX ) around XXXX XXXX, I was informed again that there were no updates, no notes, and no information from the analyst. 

In my frustration, I even informed Truist that they could return the check or take whatever steps were necessaryI just need to access my funds. With my account blocked, I am unable to pay rent, purchase food for my two young children ( one of whom has XXXX ), or cover essential bills. As a XXXX veteran, I rely heavily on receiving my monthly check on the first of each month. This delay is not only causing severe financial hardship but also endangering my familys well-being and stability.
Product: Credit reporting or other personal consumer reports

To whom this may concern, It my with great displeasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial syYstem to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at alll. The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit reportt.
Product: Credit reporting

Reporting on XXXX XXXX XXXX XXXX charge accounts were changed from a status of charge off, ( which they are ), to Placed for collection, Bad Debt, Skip. The last activity on these accounts was in XX/XX/XXXX and XX/XX/2009, and should be seasoned off my Equifax report. This new reporting has re-aged the account, and caused my Equifax score to plummet by XXXX points. I am trying to secure a new mortgage and this new report has caused me to have great difficulty in obtaining the mortgage. This line needs to be removed since it has met the 6 years 6 months seasoning period. XXXX, and XXXX have removed the accounts from reporting.
Product: Money transfer, virtual currency, or money service

I am filling 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 address fraud on their platform, Leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Capital one it the company used in this situation. Someone opened an account in my name without my consent and used a credit card I had no idea about until I checked my credit score and it was to late. My credit score is in the XXXX and now I it is effecting my ability to get an apartment. I need help in resolving this issue. Please and thank you.
Product: Checking or savings account

IVE CALLED SINCE XXXX ABOUT MY CLOSED ACCOUNTS, THEY INFORMED IT WOULD BE SENT BACK TO THE IRS AND I CALLED THE IRS NUMEROUS AMPUNTS OF TIME AND THEYVE TOLD ME THEY DONT ACCEPT THOSE PAYMENTS BACK THEY ARE TO BE SENT DIRECTLTY TO ME. ON XX/XX/2020 XXXX, EMPLOYEE NUMBER XXXX WITH BANK OF AMERICA RISK CLOSURE DEPARTMENT, WHOM IS A MANAGER ALSO TOLD ME THEY WOULD SEND BACK TO THE IRS ITS THE 2ND INVESTIGATION ON THIS CASE AND THE 1ST ONE THEY DIDNT FINE ANY ANSWER
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY RECEIVED A COPY OF MY CREDIT REPORT AND NOTICED INACCURACIES AND UNAUTHORIZED ACCOUNTS/INFORMATION REPORTING TO MY CREDIT REPORT. THESE REMARKS HAVE BEEN DETRIMENTAL TO MY LIFE AND CREDIT HEALTH.
Product: Checking or savings account

In XXXX XXXX 2017, I logged into my bank account to see about {$500.00} missing for transactions I did not make. I called Citizen 's to find out that someone had stolen my debit card information to purchase theme park tickets, movie tickets and more. They finally agreed to refund my money for these transactions, which took about a week, remind you, i did n't make these transactions, so why it took a week to get my own moeny back amazes me. Fast forward this SATURDAY in XX/XX/XXXX, I get a letter stating that citizen 's bank has decided one of the transactions in XX/XX/XXXX was VALID, and that they will deduct {$200.00} my account to pay back the vendor which is a theme park in Texas called XXXX XXXX XXXX. I live in CT. I 've never been to Texas. the documentation shows my name & agree, but an incorrect email address and the THIEVES names on all of the tickets! NOT MY NAME! I call up Citizen 's to be told, " well we sent you a letter and you never responded, so we can not help you. ". I kindly told them I did not receive ANY letter until this one, and this is NOT my transaction nor will pay for someone who committed an illegal act. XXXX XXXX from the eletronic banking department has told me 3 times now, including raising his voice at me, that THEY WILL NOT HELP MEm AND THIS TRANSACTION IS VALID! So again, let 's recap. I live in Ct, I 've never been to Texas nor do i know anyone in Texas. I 'm also XXXX. They 're telling me that this transaction is compltely valid and that i have to pay for these criminals to go to a theme park now. I asked how they protected me, as their client, in this situation.. " well the theme park has rights too. '' Fabulous, thank you so much Citizen 's Bank for once again screaming over your customer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Account Blocking Under 15 U.S.C. 1681c-2 ( a ) Dear Experian, I am writing to formally request that you block and delete the accounts listed below from my credit file, pursuant to 15 U.S.C. 1681c-2 ( a ), due to my status as a victim of a data breach and identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN EXPERIAN EXPERIAN EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX the Fair Credit Reporting Act ( FCRA ) , specifically 15 U.S.C. 1681c-2 ( a ), I am entitled to have fraudulent accounts resulting from identity theft blocked and removed from my credit report. Enclosed, I have included the required documentation to verify my identity and substantiate my request : 1. A copy of my government-issued identification ( e.g., drivers license or passport ).

2. Proof of my current address ( e.g., utility bill or bank statement ).

3. A copy of the police report or identity theft affidavit documenting the data breach/identity theft.

I trust that you will act promptly to block and delete the accounts as required by law. Please send written confirmation once the accounts have been removed or if further information is needed to process my request. 
Thank you for your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filling a complaint aganist 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX collection agencies collecting the same debt. Collection agency refused to take partial payment
Product: Credit reporting or other personal consumer reports

EXPERIAN is obligated by the FCRA to report accurate information as it relates to consumer reporting. Please be advised that the inquiry from XXXX is being reported are FRAUD. This is identity theft, as I did not give said companies written authorization to add any inquiries to my credit report. EXPERIAN has 4 days to remove the inquiry pursuant to 15 U.S. Code 1681c2 -Block of information resulting from identity theft In addition, this is a violation of 15 U.S. Code XXXX - Permissible purposes of consumer reports. I am requesting that XXXX provide the documentation used to determine that the inquiries were indeed authorized by XXXX XXXX, the consumer. EXPERIAN will need to provide me with the person to whom they spoke, the documentation used, and signed authorization with my wet ink signature. If EXPERIAN does not have the documentation to show these inquiries were in fact authorized, it must be removed ASAP. The inquiries reported are adverse and derogatory in fact and in principle, and their reporting is in violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer.

This inquiry should be removed ASAP so it does not continue to adversely affect my creditworthiness.
Product: Money transfer, virtual currency, or money service

From : XXXX XXXX Email : XXXX Cell : XXXX To : Capital One XXXX XXXX XXXX XXXX, VA XXXX Fax : XXXX RE : Amendment Claim # XXXX Trace Claim # XXXX Ref # XXXX Recall Case # XXXX XX/XX/XXXX Dear Sir/madam ; I sent out a wire in the amount of USD XXXX   from my Capital One account on the XXXX of XX/XX/XXXX. My branch is located at XXXX XXXX in XXXX, VA. A copy of the wire is attached. The next day, on the XXXX  of XX/XX/XXXX I  requested an amendment as the account number for the recipient XXXX XXXX XXXX XXXX XXXX, that had been entered was incorrect. The correct account number for them was XXXX.

I received a letter from Capital One dated the XXXX  of XXXX that all should be good with the wire referencing my Claim # XXXX. A copy is attached.

The recipient XXXX XXXX XXXX whose correct account number XXXX  with XXXX XXXX in XXXX, XXXX has still not received the funds till date the XX/XX/XXXX. They have also initiated a trace from their side and have not heard anything yet from Capital One.

I initiated a trace ( Trace # XXXX  ) on the XXXX  of XX/XX/XXXX and have not heard anything back from Capital One. Today is the XXXX  of XXXX  and I have initiated a Recall on the funds from the XXXX  branch with the Claims Intake Department. I spoke to a lady by the name of XXXX  and her supervisor XXXX ( EID : XXXX  ) who told me that the processor will call me.

It has been more than 30 days since I initiated the wire. I request you to please treat this with the highest priority, escalate the matter and advise me when the funds will be returned to my account.

Appreciate your prompt response.

Sincerely ; XXXX XXXX
Product: Vehicle loan or lease

I had a vehicle lease with US Bank which matured as of XX/XX/year>. My online account at the time showed a credit of XXXX advanced payment, {$590.00} x XXXX = {$1100.00}. When I called in XXXX, speaking to XXXX, to discuss how to return the vehicle, I was told my account did show I was owed a refund once the car was returned. I returned the vehicle in good standing on XX/XX/year> to the dealership upon which I leased a new vehicle. 

I then called US Bank on XX/XX/year> to ask about the status of my refund, b/c the online account, which was still working, of which I can no longer access because US Bank XXXX XXXX showed they were still charging the {$590.00} and taking it against the {$1100.00} owed back. I told them the vehicle was return on XX/XX/year>. I was then told by the US Bank employee, XXXX, all I had to do was send in the returned lease vehicle 's odometer reading statement and once received, they would refund me the {$1100.00}. 

I then called today, XX/XX/year>, to ask status, and after being disconnected on purpose b/c I asked for a supervisor, I called back. I was given some ridiculous story about the {$1100.00} was put towards the money owed on the returned XXXX when no money was owed. The Dealership handled everything. I also explained that XXXX on XX/XX/year> told me once the paperwork was received, I would be refunded the {$1100.00}. I told the supervisor on the called US Bank has now stolen XXXX prepayments from me and XXXX my US Bank online account so I can't see the activities. She continued to blame me, alluding to account in good standing, of which I said the account was in good standing because there were advanced payments, and I returned the lease vehicle as of XX/XX/year> prior to the XX/XX/year> maturity date. She then proceeded to state the {$1100.00} was applied to the balance due on the lease vehicle, I told her nothing was due. She then said it wasn't their problem that I needed to call the Dealership about the missing {$1100.00}. I once again said I would be filing a complaint because US Bank stole the money owed back to me and lied, as well as XXXX the related online account so I could no longer see what they did. 

US Bank owes me the refunded overpayment of {$1100.00} and I would like to receive that payment. Therefore, my only recourse at this point is to file a complaint with CFPB.
Product: Debt collection

-continuously after receiving cease and desist letter phone calls every 3 days -validation of alleged debt is not received
Product: Debt collection

The Money Source did not provide complete responses with documentation requested in my debt validation, QWR and accounting request. XXXX response was it would be " too burdensome ''. They have violated the Privacy ACT & divulged my private information into the public as well as effected my ability to extend my credit by reporting negatively to the Credit Bureaus when under the Cares Act. XXXX has harassed, humiliated, intimidated as well as tried to exhort me since they bought the alleged loan. XXXX is in violation of TILA Title 15 1635,16 CFR 33.2. XXXX has not only breached any Trust, but disclosed non public information without my consent and used the mail to harass and intimidate knowingly and willingly. This is a scheme to steal personal, family and household goods. 
I have the right of rescission if not provided at closing and XXXX was provided the documentation by the consumer, but XXXX has again completely disregarded my rights as a consumer and have moved to foreclose. There has been no contract or consideration made with the Money Source. This is a breach of Trust and violation of Title 15 1666b, e and denial of my rights under the Color of Law.