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

Hello : This is my final request for assistance before I seek counsel on this matter. 

Since XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX, I have continuously disputed this erroneous information with Experian. I reached out to the data furnisher who reported Experian has not reached out to them to verify this account has been closed and there is a standing court order which experiences continues to violate by reporting this information. Firstly they are reporting me late on XXXX and XXXX for a closed account since XXXX. 

I reached out to the data furnisher who sent and verified there is a XXXX balance on this account. The account is closed. I enclosed copies of the court order to Experian and to no avail, this line still remains on my credit report. 

This is the final step I was advised to complete before I seek punitive damages for the continued reporting of false and incorrect information.
Product: Debt collection

I received a call from XXXX. The caller claimed to be a collections agent from Transworld System. The caller said they were collecting a debt from an address in XXXX Az, XXXX XXXX XXXX XXXX XXXX XXXX. The debt was from unpaid amount total a little over {$100.00}. The caller who said his name was XXXX and that Transworld was the collections agency for Arizona Public Service. He was calling about an outstanding debt stemming from XX/XX/2020. 

He asked if he had called ( my name ). I responded yes, for it is my name. At the conclusion of the conversation I hung up the phone with XXXX, and called XXXX. There was indeed a person with the same name, spelled slightly differently, living at that address, but the person 's information did not match my own. It is a common middle eastern name. That individual had verified themselves via passport. I have never lived in XXXX Az.
Product: Debt collection

On XX/XX/2019 I began noticing fraudulent activity on my XXXX XXXX account ending in XXXX. The fraudulent activity was from XXXX XXXX  ending in XXXX, that had been added to my account without my authorization or consent. I called and tried to resolve the issue but they would not take the fraudulent purchases off my account. 

Recently, I received a court summons by a debt collection agency called " Ratchford Law Group, '' for the fraudulent debt that was caused by identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information reporting from a company named " XXXX XXXX XXXX ( XXXX ) '' for {$280.00} and " XXXX XXXX XXXX '' for {$880.00}, every XXXX XXXX for XXXX ( XXXX XXXX XXXX consistently. I have complained that about these collection companies with any help.
Product: Debt collection

I was contacted by the law offices of Harris and Zide XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ca XXXX by XXXX XXXX XXXX ( XXXX ) XXXX by mail on XX/XX/XXXX2020 about a XXXX debt already paid through my XXXX XXXX XXXX  account. This is the second this law firm has contacted me about the debt that was settled and paid on XXXX/XXXX/20. I have documentation of these facts from XXXX. I recently applied for a debt consolidation loan and was denied because this account is still regarded as an " debt in collection '' '. I want to take my case to small claims court and sue for damages. please tell me how. Thanks
Product: Credit card

The credit line on my Wells Fargo visa was lowered from XXXX to XXXX because my credit bureau report in XXXX 2016, showed unusually high balances. However, all of these balances have been paid off in full or were due to fraudulent activity on my credit cards. My credit bureau report as of now shows ZERO balance due on ALL my credit cards ; my credit shows PERFECT now as it should. It is not right that Wells Fargo should penalize me by lowering my credit line due to unauthorized fraudulent activity out of my control that showed temporarily on my credit bureau reports. There are fraud alerts on all XXXX of my credit bureaus now to prevent this from happening again. My credit bureaus shows perfect again with XXXX balance due on all my credit cards. I request that in fairness Wells Fargo reinstate my proper credit line of at least {$10000.00}.
Product: Mortgage

I have a buyer that upon looking for homes with his realtor he came across a property he liked and was ready to submit an offer for. Upon the realtor contacting the listing agent she was informed that in order for her clients offer to be presented to the seller " they must cross-qualify with agents lender ''. Please see below of a snippet of the XXXX listing Private Remarks : PRIVATE REMARKS : Submit all offers to : XXXX with copy of DU Approval including FICOS, Proof of Funds and copy of prequalification letter. Please call agent before submitting the offer. Buyers to get cross qualified with sellers lender : XXXX XXXX @ XXXX XXXX. Contact number is XXXX XXXX or email XXXX XXXX Buyers/Buyers agent to do their due diligence and investigations regarding property. 

Upon reviewing this my buyers agent called me to request a cross qualification with the other lender instructed on the XXXX private remarks. I advised it is illegal and a violation to share private financial information of the borrower 's to 3rd parties. Requiring buyers to submit a DU Approval, copy of credit report and proof of funds is a definite violation of consumer finance laws. I contacted the lender immediately and explained the type of loan program my borrowers were obtaining from my financial institution. ( generic information such as product description, LTV requirements, etc ) No private information of the borrower was shared. However mortgage officer, XXXX XXXX, from XXXX XXXX, still requested I send her copy of paystubs, copy of credit report and proof of funds ... " so she can do her due diligence '' To finish it off she requested all this information to be sent to her personal email address : XXXX not even a company email was used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following that I have included in this report. Please remove it immediately.
Product: Credit card

To whom it may concern, I XXXX XXXX XXXX, have never applied for an upgrade account. Therefore, I would like this account to be closed and I also would like proof of the documents submitted in order to get this account open. I have always live in the same address and I never received any information from XXXX. I have been living in XXXX, FL. This account was opened with stolen information and I also had a freeze on my credit report so this didnt happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter dated XX/XX/XXXX about two inquiries that were not authorized from mortgage reporting. I had 1 inquiry that was authorized on XX/XX/XXXX. However, I have two others that were not authorized dating XX/XX/XXXX and XX/XX/XXXX. I never received a reply from the inquiry letter I sent either.
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 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 ( 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: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX charge off/collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information : Also Known As : XXXXXXXX XXXX XXXX Also Known As : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : NOT PROVIDED Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Address ( es XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my report and saw inquiries on my credit report that I did not give consent to be on my report. XXXX  is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
XXXX  doesn't have a court order with jurisdiction or consent from the CONSUMER to place anything on my Credit report. 
I sent a dispute letter certified mail next day and XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX XXXX reporting a past due balance and late payments on my credit report after they have sold it to XXXX XXXX XXXX XXXX collection agency ). It is against violations to continue to report a past due balance on a charge-off debt and sold to a collection agency. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information
Product: Credit reporting or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXXXXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Product: Checking or savings account

I noticed unauthorized charges on my Bank of America pre paid account. I filed a police report a report with ftc and a complaint on this website as well which was complaint no. XXXX After only a week my credit card refunded me all money from this merchant and Bank of America also credited me PARTIAL credit. Bank of America split my claim in two claims. One for $ XXXX was credited back. The other claim for the majority of the transactions worth over {$1000.00} has been held and Bank of America has failed to act professionally. 

On XX/XX/21 at XXXX I received a call from someone stating they worked for Banknof America and THEY HAD INFORMATION ABOUT MY CLAIM so I trusted them and now the bank says that was a fraud call. I can not explain all that I wrong with this situation through this text please call me so I can explain the situation this has caused for me. Something is very wrong. I need my money that they are holding and also to confirm if I did or did not Give my personal information to someone that is fraud or not.
Product: Money transfer, virtual currency, or money service

I was sent money from cash App from a person I did not know in approximately XXXX XXXX could not get help from cash app it was a scam. After that my account kept getting hacked by a company named XXXX. XXXX  under my XXXX  cash app who is underage and I consent for her account.
Product: Credit reporting

My house insurance score in MI was lower than I expected and XXXX of the rating codes stated I had collections and past due amounts. Seeing this, I logged on to request a Experian report. On the report is a collection agency attempting a collection but its not an account that I ever opened
Product: Student loan

In 2008 I went back to school and needed a student loan. My loan is a private student loan which at the time was with XXXX XXXX whom later transferred or sold it to Navient to be serviced. I was told multiple times by XXXX XXXX that all I had to do was make 12 conescutive on time principal only payments and I would be allowed to have my sister released from being the cosigner on the loan, all I had to do was call and request her to be released. Key word here being request, not apply. When I was finally eligible to do that I contacted XXXX XXXX and was told it isn't a request it is an application and I had to be approved for the loan without my cosigner based on my credit. Well, I was furious, that wasn't what we were told. I then asked if they could provide me with their credit requirements so I didn't waste my time and they would not. I can get approved for a {$45000.00} auto loan at 3.9 % APR without a cosigner, but I can't continue to carry that small student loan myself ( under 10k at the time ). The first time I applied they lost my information multiple times and took over 6 weeks and multiple faxes for them to process it. I was denied. Since my loan is with Navient currently, I am dealing with the same frustration. Not to mention, there is no way to do this in an effect manner. Any communications I need to send to them I have to do via the mail and include all my personal information. No. That is not acceptable. I can not run the risk of my personal information being stolen because Navient only wants to delay everything in regards to your loan. There are no clear credit requirements on the cosigner release form. There are no timelines, like how long it will take for them to get back to you, nothing. I can't even see my original promissory note online, which they apparently reference and follow those guidelines for any type of overpayment allocation. I can't seem to speak to anyone who isn't reading off a script and if my question isn't provided on their script, they don't do anything to help me find the information, they just keep repeating the same XXXX line. I can't find a way to get these guys to release my cosigner as promised, which was the only reason we could do this student loan. I have not missed any payments, paid onetime for over 9 years and I can't get anywhere with them. They are deceiving people to get them into loans, deceiving current loan holders, and just doing whatever they want. If I can't see that information online regarding my loan, there is a problem. I live in XXXX and after Harvy, my original promissory note is not with me anymore. I need information made available to me immediately. I can't believe there is not an area that shows you exactly what your terms are online. everything about this company is difficult. I can't even figure out how and why my payments were applied as they were. And I can only write them a handwritten letter and MAIL it to them, so it takes XXXX near over 3 months for anything to be done, or I can call them. I can't submit documents online and they won't send me documents online. I am so frustrated. I need information and need it done on a timely manner.
Product: Vehicle loan or lease

Hello my problem is i was talking with a dealerchip to buy a vehicule but hi ask me for somany documentation and i geave him all, and the price hi said for the car is not, and when the finance aprouve the contract he just signe without telling me the price and i alwas aak him for the final price he never want, and the last time he calling i was in my work job, and after i sow i contract for, XXXX time the price, when i call the finance to explain then they allwas don't take care after they said the need to investigate after a long time thaey told me i have to pay, and i said no the try to broke my credit, i ask them to cancel that or change the car they fo n't want and the car i never try it, so i was calling credito reclamo they geave me the website to talk for that, just need your help please
Product: Debt collection

I am a XXXX XXXX  XXXX resident. Received this week a lien on my account for {$1000.00} for an amount due to XXXX of {$5600.00} for a XXXX DEBT apparently. I have not had a XXXX account in over 20 plus years yet they were able to get into my account without a legal document presented to me. This morning XXXX XXXX XXXX put a double lien on my account for {$9800.00}. I had less than {$4000.00} in my account. Now I can not use my banking account as it is blocked and overdrawn for {$9800.00}. I have asked the law firm Pressler, Felt and Warshaw to provide back up documents and have not heard. They said they had to ask XXXX. They should have had this already if they put a lien on an account. They claim to have had this since XXXX. Even if there is a debt it is way beyond the XXXX XXXX XXXX  Statue of Limitation and they refuse to hear this. They simply say pay the debt. I will not pay on something I do not remember. 

I have no records dating back 20 plus years. I want my account restored but XXXX XXXX XXXX who says I have to resolve it with the suing law firm. The law firm refused to work with me. I would first like to complain about the credit collection agency that after 20 years want to put this into collection. 

Company submitting the lien is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2023, I have noticed an account on my credit report for the amount of XXXX that I have not requested, on a Synchbank credit card. Make a complaint and the company indicates that everything is correct. I see that they used my name irregularly for this transaction by the bank. I requested the cancellation of the debt in writing in my credit report since it does not belong to me nor have I requested it and as of today, XX/XX/2023, I have not received a response to the cancellation request.
Product: Vehicle loan or lease

This complaint is in reference to the multiple state and federal violations and non compliant matters regarding the automobile loan contract between I, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Bank ) regarding the vehicle XXXX XXXXXXXX XXXX Non compliance of the Truth in Lending Act 15 USCA No. 1601 et seq- Federal Law/ violations of Regulation Z- Federal Reserve Regulation Violation of the United States 1605 ( c ) Determination of Finance Charge Violation of 12 CFR 226.4 ( a ) Finance Charge ( d ) written disclosure of Total Premium costs Non compliance of FCRA, an amendement of Truth in Lending Act ( TILA ) XXXX XXXX has failed to divulge accurate details for an extensive period of time that is still reported with the main credit bureaus inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are OPEN. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 


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