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

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Theres fraudulent accounts and negative information listed on my TeleCheck Consumer Report. The information is fraudulent information and accounts, not my information and dont belong to me. I was just released from prison, and was incarcerated for over 17 years. Review the attached documentation. My TeleCheck Consumer Report shouldnt have any adverse information listed on the consumer report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed via mail my account was closed, due to fraud. I am unaware what the fraud is ... I was contacted by XXXX XXXX services acct ending XXXX via USPS. If I am under investigation for fraud it would be essential that I know this I have not filed a report but I did request for a credit freeze. 

I need to know the details of the fraud so I may rectify it. Otherwise Why have my card been canceled without my authorization
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX partial acct # 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 In accordance with the Fair Credit Reporting act XXXX XXXX partial acct # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX partial acct # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX partial acct # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX partial acct # 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

My mother rented the 2016 XXXX XXXX XXXX from XXXX, XXXX XXXX, FL for three days starting XXXX/XXXX/2016 to XXXX/XXXX/2016. 
On XXXX/XXXX/2016, my mother returned the SUV back to XXXX garage free of any damage during her rental period. A XXXX employee thoroughly inspected the car upon the return and found no damage that my mother was responsible for. With the employee 's approval, she returned the car and paid all the rental fee without being notified that there 's any damage on the vehicle that she was responsible for. 
On XXXX/XXXX/2016Alternative Claims Management sent an email to us saying that XXXX XXXX XXXX XXXX is filing a damage claim of {$530.00} again us months after our rental. 
After we sent them a dispute letter saying that we did n't cause any damage during our rental, Alternative Claims Management and XXXX insisted on collecting the claim. 
I think they are making a fraudulent claim and are trying to scam us.
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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

My mortgage was sold to Rushmore Loan Management Services last year. I received a packet explaining how to set up online payments, but this process has never worked. I would get an error message saying that the information I entered did not match what they have in their records, but did not indicate what information might be incorrect. I contacted them after a couple of months of having to send checks for my payments, and the support person I spoke to said that they would speak to their support department and someone would contact me. After another couple of months with no response, I contacted their support number again and the agent had me read back the information I was entering in the online account setup page, and thought that my Social Security number might be incorrect in their system. Rather than fixing it on their end, I had to fill out and mail in a form with the SS number and other information that should already be in my account so that they could " correct '' my information. It's been another couple of months with no response and I've tried twice to set up the online account with the same error message each time. I am not comfortable with a company having this much trouble handling online accounts, and not making an effort to fix the problem handling my mortgage, and if this issue is not resolved soon I will find another financial company to handle my mortgage.
Product: Debt collection

XXXX XXXX XXXX, Placed a collection notice on my credit for a {$440.00} bill that was paid through XXXX 5 1/2 years ago. They provided no proof and made no attempt to notify me of this false debt. Their actions cost me a refinance on my mortgage of 1.5 %, which they now owe me {$480.00} a month in damages until I can reapply for a refinance. 

I will give them 2 business days to respond with my first payment before seeking legal action.
Product: Debt collection

My complaint is regarding JHPDE Finance 1, LLC. They show two collection accounts on my credit report, one for {$1100.00} and the other for {$1400.00}. 

First : I have never received any written or verbal notice of : 1 ) the debt or my ability to dispute the debt ( in violation of the FDCPA ) ; 2 ) the Company 's intent to collect the debt ; or 3 ) information that the debt ( if it exists ) is owned by the Company.

The debt simply showed up on my credit report without warning. I've never been provided an account number or an opportunity to speak to anybody with the Company.

Second : I have called the company multiple times over the past six months in an attempt to speak to somebody at the company regarding the debt ( i.e., obtain verification of the validity of the debt, discuss options, etc. ). 

Each time I've called nobody has answered but I eventually reach a voicemail regardless of the time of day I'm calling. So, I've left a voicemail each time explaining that the debt is on my credit report but I don't have an account number to leave with the voicemail. I ask that somebody from the Company call me back ( and I provide my phone number ) and state that I will happily verify my identity when contacted. I've also asked that if they can not call me due to privacy concerns they will mail a debt verification letter to the address of record. To date, I have never received a call back or piece of correspondence related to the alleged debt. 

Third : I have filed multiple credit disputes through the credit bureaus requesting debt verification be provided or that the debt be removed from my credit score. The Company has responded to the bureaus indicating that the debt is valid, but has not provided any additional information to the bureaus or myself. If the Company can not ( or refuses to ) verify the debt to the alleged debtor, they should not legally be allowed to continue to report the debt as valid. This is negatively impacting me and I'm not being afforded any opportunity to resolve or defend myself.

Fourth : The telephone number ( s ) for the Company are constantly changing, which is proving to make repeated attempts to contact the Company to be unduly burdensome. If an ( alleged ) debtor can not readily get in touch with the " creditor '' this seems to be an unfair practice. How is a debtor supposed to manage or resolve an obligation if the creditor 's contact information is repeatedly changing?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not 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 late for any purpose.
Product: Debt collection

Could not even speak with someone, the operator refused to transfer me and acted as if she was in charge. She also cussed at me and repeated called me offensive XXXX names. She also threatened to call other numbers that were apparently associated with my account which I have no idea who that would be. This company is most likely fake or just completely mismanaged. I am currently disputing this collections as fraudulent since I have no idea what XXXX XXXX or " XXXX XXXX '' is or why it's on my credit bureaus.
Product: Debt collection

Hi XXXX  XXXX ; National Recovery Agency ; I'm really sad, confused and stressed, and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

My XXXX credit card was discharged in a bankruptcy XX/XX/XXXX.XXXX had the financial contract for the credit cards when I opened XXXX in XXXX. XXXX sold to capital one XX/XX/XXXX same year I went BK. Then Capital one sold XXXX credit XXXX XX/XX/XXXX. I was discharged XX/XX/XXXX with no liens for creditors. 
Then Capital one started thru XXXX hounding me saying I had to return my secured debt. That XXXX XXXX had a statement saying everything on the credit card was a secured debt. Even through Nothing from XXXX was mentioned. Then I received receipts which were doctored. Not my signature not account numbers. It also had my grandfathers signature and not his account numbers on the receipts.My grandfather died XX/XX/XXXX but XXXX has all his account numbers. my grand father did not have a XXXX XXXX Card XX/XX/XXXX, XXXX gave me a receipt for a XXXX XXXX card number under his name XX/XX/XXXX. My grandfather opened a XXXX XXXX card XX/XX/XXXX and it was closed immediately because it was a fraud since he was in a XXXX home. My mother was Trustee. He bought my mother a dishwasher and computer XX/XX/XXXX Which he paid for except for {$100.00}. All the receipts are made up. Then they gave me a receipt for for a TV I bought XX/XX/XXXX on a 36 month which as paid. But it broke down XX/XX/XXXX and I had a XXXX warranty policy so they exchanged the Tv XX/XX/XXXX. They want the warranty money back say it is secured and the TV which was bought XX/XX/XXXX and paid not XXXX. I have the original receipt. They keep sending me letters and I keep telling them it is a fraud. Nothing was said in bankruptcy. No complaints. XXXX XXXX was my lawyer and was a recently retired trustee. XX/XX/XXXX Capital one started again and XXXX XXXX office had talked XXXX and then they started again. Capital one does not have the XXXX debt that was sold XXXX. XXXX said not right, ignore. I just got my credit back do not want it ruined. Can you help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied access to the data in my consumer report that a company Data X has stored in their data base, this company is owned by Equifax. I contacted company in XX/XX/2020 and requested a copy of the report and the information in their credit files. Also Equifax would not allow me to dispute any items on the credit report from annualcreditreports.com unless you sign up for an account which is a monthly charge. 
Data X a company of Equifax will not allow you to get the information they provided to the creditor without filling out a form that includes all your personal information and wants you to submit by mail only and not email but states if they find a report after providing your current ID then it may be forwarded to you via usps regular mail not certified. No report was sent or provided to me.

15USC 1681 SECTION 602SA ; STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : STATES A CONSUMER REPORTIONG AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting

I contacted Transunion in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Transunion again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Transunion that there were none showing. 

I then called a second transunion number in XXXX because the first woman I talked to seemed lost.. This second rep at Transunion said that he could only enter a dispute for me to dispute the dispute remarks!!!! 

I do n't know how hard this is to understand? I opened the disputes. I no longer dispute any account and want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home! 

Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made.
Product: Mortgage

On XX/XX/XXXX pusurant to Arvest Central Mortgage 's request to my last complaint, I provided dates and statements showing my credit effected by the erroneous reporting by Arvest on XX/XX/XXXX of my account in foreclosure when in fact it was paid in full on XX/XX/XXXX. Also Arvest threatened to charge me more on XX/XX/XXXX when there was already a payoff letter through XX/XX/XXXX and i was told not to pay it as the closing closing was in a few days. They reported the XXXX payment as late and charge a late fee. I provided the closing statement / payoff letter and they chose to ignore that and all the information provided to include numbers 1-19 with back up documents. These show that two major accounts were closed due to the XX/XX/XXXX credit reporting error. Also two accounts lowered my credit limits due to the XXXX/XXXX/XXXX error in reporting to the credit agencies. Arvets requested dates and I gave them more than enough. The only response I received was that the corrected the error on XX/XX/XXXX almost XXXXhree months later. This is not sufficient and they stated that their prior response was not changed despite the new documentation showing that they effected my credit limits and scores to my detriment and provided no assistance to me and my family. This is humiliating and embarrassing as well as not a proper response to the problems they caused.
Product: Debt collection

Debt not mine, I have disputed on my XXXX  account for a long time, I called the company, NH Northeast CR Services, that owns the account and stated that i have never been to where the bill was from and the account is not mine. I asked for proof that this account is mine and the woman on the phone stated they have no proof and don't need any. She said they have tried calling a number, that isn't mine, I don't recognize it and she started yelling at me and stated if I am not going to pay this bill then she is going to hang up on me, then she did hang up on me. 
Before she hung up I asked how to get this off my credit if It's not mine and she said to pay it. Why would I pay something that's not mine. She stated that I have been fighting this bill since 2017, I stated well then don't you think if I have been fighting it for this long, I obviously know it's not mine. My husband has gone to the original company for care but I have never been. I said maybe you have it mistaken and she yelled back at me and said that it's my account. 
I want proof and the company stated they don't have proof. I want this removed from my credit or i will be forced to get a lawyer. This account is no longer on my XXXX account because they have found it to be incorrect. I want it removed from my XXXX and XXXX accounts.
Product: Student loan

I am a graphic designer making {$31000.00} a year ( before taxes so closer to {$28000.00} ) with normal expenses ( food, rent, utilities, car payments, etc. ) and have not been able to get help on working out an affordable payment plan. My parents signed me up for these loans. Citizens Bank ( the loan company ) uses a service called XXXX XXXX for payment and are almost impossible to contact for help with loans. They allowed me to push back my loan payments by 6 months after I sent a hand written letter explaining that I can not afford the payments ( a monthly payment of {$530.00}, keep in mind I make less than a teacher starting out. ) I requested an income driven repayment plan so that I could afford to pay my loans off and not go bankrupt but they have been no help at all. Consolidation is the only option they will offer and I have to make at least 3 payments of {$530.00} a month before I can consolidate my loans and get my payments down to something reasonably affordable for a student right out of college ( I can only afford about {$110.00} a month. ) I do n't even have enough money to pay XXXX payments or I will go bankrupt and there is no telling what my monthly rate will even be after the consolidation. In the email provided to me by the payment collecting service that Citizens Bank uses ( attached to this review ) I am provided a link that does not exist. When I go to log into my account, I can not get in and can not verify who I am without providing a Debit Card number ( to which my debit card number does n't even work, and when I call for assistance I get put on hold for hours. ) I can not get any help on this issue and it will financially ruin my future if I can not. Also, I find it unethical that a loan company, private or not, would expect me to pay for every loan I 've taken out all at once, especially when I just got out of college and it took me 6 months to even find a job.