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

DID NOT DO BUSINESS WITH XXXX XXXX I HAVE TWO ACCOUNTS FTC HAS BEEN SUBMITTED PLEASE EXPEDIT THIS AND BLOCK REMOVE ACCOUNTS ASAP!!
Product: Debt collection

XX/XX/2022 XXXX : My name is XXXX XXXX. I am writing in regards to Zwicker & Associates, P.C.s attempt to collect a debt on behalf of XXXX XXXX. The account ending in XXXX. 
The total balance owed, as I understand is : {$5400.00}. I am writing for assistance because I do not wish for this team to take the harshest penalty on me, by suing me for the funds in which I explicitly do not owe or possess. 
I am a XXXX veteran of the XXXX. I have no available funds or assets to liquidate to satisfy this debt in full or at thirty-five percent. 
I do not own a vehicle. And I do not own a home and I do not own any properties. I am not actively employed. I live with my family and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I XXXX XXXX XXXX XXXX XXXX XXXX 
I am able to secure via family agreement, a full payment, to clear this debt in the amount of {$1500.00} given that Zwicker & Associates, XXXX. is able to accept and agree in full, that, this debt will be satisfied and there is be no further collection attempts and that XXXX XXXX will in good faith honor this payment as a debt satisfied in full with no further collection attempts and all lawsuits will cease immediately upon receipt of payment! 
Zwicker & Associates, XXXX. will be able to reach me via telephone at : ( XXXX ) XXXX, only if this communication is something they are going to accept and allow a payment of {$1500.00} to me made on the date in which they contact me. 
If this offer for settlement is accepted, Zwicker & Associates, XXXX. may contact me via telephone to collect a payment of {$1500.00} in full. Once the payment is posted, they will submit to me via email and fax ( XXXX ) XXXX, a receipt for payment, as well as communication advising that the debt is satisfied and paid in full with no further collection or legal attempts to me made. 

Thank you, XXXX XXXX XXXX XXXX XXXX Ct XXXX 
XXXX, NC XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

My complaints involves not being able to get contact with the second tier level customer service representative to help me get my account unfrozen since about 3 weeks ago. Initially I complained in mid XXXX about a {$600.00} charge to my unemployment that I did not make myself. So I was sent a replacement card and the former cancelled. Then about 2 weeks ago I try to pay my rent and my card was declined. I was told to call EDD to verify funds were still goin 2 account and afterwards notify BofA of said approval. And they were. Bof A then told me that my account was under investigation and frozen until they conclude their end of this ordeal. As it stands today I'm still without funds to survive. Then every time I get on the phone I'm either met with the runaround or just disconnected from the phone all together after waiting several several minutes to hours. I just want to get my account unfrozen so I have access to my money and I can pay for my basic needs i.e. food and rent. I was initially told at first 24 to 48 hours by a representative and then it turned into several weeks that I was told to potentially wait to get my account unfrozen. if you could assist I appreciate that thank you
Product: Debt collection

I received a credit hit from Convergent Outsourcing inc. on XX/XX/XXXX thats was was unaware of. Convergent is a debt collection agency for XXXX. Ive never had a bill with XXXX or been associated with the address that is attached to the account. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX. The amount they are collecting is {$550.00}. That amount will not be paid from me because I have never in my 24 years of life lived or known of a resident from XXXX XXXX, Louisiana and now Im receiving negative credit hits.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Last activity XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last activity XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX  Last activity XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last activity XXXX Balance $ XXXX  Monthly payment {$0.00} XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last activity XXXX Balance $ XXXX Monthly payment {$0.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I received a notice this year from the IRS stating that Discover sent them a XXXX for an old collection where pmts had not been made since XX/XX/XXXX. I did not settle this debt nor did I receive a XXXX from the to file on my XX/XX/XXXX taxes. Also, Discover still shows that I owe the full amount of this debt as a collection on my credit report and is still updating with no mention of settlement for less than balance. The IRS says I owe them {$1000.00} and wants me to consent to changing my return. This debt has exceeded the Statute of Limitations and is set to be removed from my credit report XX/XX/XXXX. I have disputed this with the IRS and sent them a copy of my credit report showing this but they just keep sending me the same letter. I think it is wrong for them to side with Discover. Can you help me?
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 CFPA ACT. Specifically cash app failed to take timely and preventative measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the EFTA and regulations E. These actions have caused inconvenience and significant financial loss and I seek appropriate redress for these violations
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my EQUIFAX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i ( 5 ), they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2, they are supposed to 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

Company is trying to collect a debt that is not mine. Company is showing a debt for a XXXX electric bill from XXXX XXXX. I have not had an account with this company since XXXX XXXX, and account was paid in full. I also have not lived at this address since XXXX XXXX. It was an apartment I was renting.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card

I have been defrauded by Capital One bank and possibly others. A credit Card was taken out, in my name. I have contacted Capital One bank numerous times with faxes and police reports stating their fraud against me. I have yet to have a resolution to my problem.
Product: Credit reporting or other personal consumer reports

This is my Follow up complaints in my request dated XXXX XXXX  that I have tried to resolve the issue regarding the account in my credit report. However until now I do not received any responses about my complaints. The account is listed below : XXXX XXXX Balance : {$82000.00}
Product: Payday loan, title loan, or personal loan

Capital One offered overdraft protection on checking accounts. They stopped the program and transitioned balances to loans. They continue to charge interest and debit my account but have offered no way to pay the loan. Ive spent hours on the phone. One person said they would arrange a transfer, nothing happened. I paid through their bill pay, sending the check to capital one loan dept. They cashed the check and did not credit my loan. So now they have stolen a year of interest on {$3000.00} and then stolen the actual {$3000.00}. They will not refund the money because they say the check was cashed. But it was cashed by them? Please help!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX Balance : {$2900.00}, XXXX  XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) I am requesting that these accounts be removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation.

2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Harvest Associates inc the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all further efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7. 15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Product: Credit card or prepaid card

I recently purchased 5 x {$100.00} XXXX gift cards, and 3 x {$500.00} XXXX XXXX gift cards, locally at a XXXX affiliate XXXX 's XXXX. Each of these gift cards were tampered with and compromised- which was immediately obvious only after purchasing and opening the packaging, as the cards were dirty and covered in glue and tape. None of the cards contained any value whatsoever, even though I scanned them at the register and paid for them, and the receipt shows that they were activated. Since the store policy is that all gift card sales are final, they advised me to contact XXXX corporate and submit claims to XXXX. I subsequently filed cases and they have refused to return my money, stating Blackhawk has denied the claim. Please reference the following XXXX case numbers : XXXX, XXXX, XXXX.
Product: Debt collection

I never received any mail or notification of this debt attempt. 

Account info Account name RADIUS GLOBAL SOLUTIONS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$890.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$890.00} Highest balance - Terms 1 Months On record until XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Reporting Agencies Involved : Experian and XXXX Account Number : XXXX Current Status Reported : Closed Actual Status : Open I am writing to formally file a complaint against Experian and XXXX for inaccurately reporting my credit card account status. The account in question is XXXX, which is currently being reported as closed by both credit reporting agencies, despite the fact that it is open and active. This incorrect reporting has adversely affected my credit score and has hindered my ability to obtain new credit. It is crucial for my financial health that this error is corrected promptly.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my initial dispute letter sent on XX/XX/year>, regarding an unauthorized hard inquiry on my credit report. Despite my previous correspondence, the unauthorized inquiry remains unresolved and continues to adversely affect my credit score.
Product: Checking or savings account

On XX/XX/21, {$14000.00} was deposited to my account electronically direct deposit by a company I am doing business with. On XX/XX/21, I withdrew {$13000.00}. On XX/XX/21, I received an alert that my account was overdrawn. I logged into my account and it showed that the deposit on XX/XX/21 was attempted to be reversed. On XX/XX/21, I contacted the agent of the company that placed the {$14000.00} deposit. On XX/XX/21, the agent responded back and said that he would straighten out every thing. The same day I received an alert that my account had a positive balance. I attempted to make a purchase with my debit card and it was declined for insufficient funds. I logged into the account to verify this. I contacted the bank by phone and was told that my account is frozen. I have called the bank several times and have been told it is still frozen but the bank refuses to tell me why. On XX/XX/21, I went to the XXXX XXXX, Colorado branch and the bank officer called the person who put the freeze on my account, but that person refused to tell him the reason for the freeze. It was confirmed to me that the company who deposited the money on XX/XX/21, has NOT since XX/XX/21, attempted a second recall of the XX/XX/21 deposit. I logged into my account today and it shows an available balance of {$2500.00}, but my account is still frozen.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was alerted through Transunion of a collection account named XXXX XXXX XXXX acct # XXXX with an amout past due {$0.00} and a status of chargeoff/collection.i don't have a contract with is company or any financial obligation this is a fraudulent account that needs to be removed from my TRANSUNION crefit file immediately.
Product: Money transfer, virtual currency, or money service

There have been a number of transactions of payments Ive sent to friends and family through Zelle, which they did not receive the payment and the money was still taken out of my account. Ive communicated this with Zelle numerous times and Zelle failed to investigate this issue leaving it ongoing. I choose to use Zelle because of the lack of fees needed to sent or receive funds straight to and from my very own bank account. Zelle has continually failed to investigate and resolve my issues, and Im sure I am not the only consumer of which this issue was occurred.
Product: Mortgage

I have made monthly recurring payments, in excess of the minimum amount due, to Capital One for my home equity loan. These payments are made from my XXXX XXXX XXXX Account. I received a notice from Capital One that the XXXX 2016 payment was returned for insufficient funds and they threatened to report my account as delinquent on my credit report. However, XXXX XXXX XXXX 's records indicate that the payment to Capital One cleared. I have tried unsuccessfully to resolve this matter with Capital One, and this is not the first time Capital One has failed to appropriately apply payments to my account. It appears to be a recurring issue with Capital One, which I believe is attributable to a significant deficiencies/material weaknesses in the company 's systems, processes and/or personnel. Capital One, however, not disclosed these deficiencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a unauthorized use of ID information I am in the process of filing another Police report. My bank account and credit profile have been comprised.The information is not information relating to any transaction by myself, I am attaching a copy of my ID and SS to confirm My Identity to the credit bureaus. It was an unauthorized XXXX bank account. I have never done business with any of these companies I don't know who they are : XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am requesting a FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ( FTC ). THE FOLLOWING ADDRESS ARE NOT MINE PLEASE REMOVE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed XXXX and Transunion that the XXXX XXXX was never late in 2014. I have had a difficult time trying to get Transunion and XXXX to to remove this inaccurate information from my credit file. Please assist me in getting this account removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

New debt has shown up on my credit report that is a flat-out lie. Equifax has reported that I owe XXXX XXXX {$370.00} and the debt collector is a company called XXXX XXXX  XXXX. I have that hard to believe when I actually have documentation directly from XXXX  showing this balance is PAID IN FULL!!!
Product: Credit reporting or other personal consumer reports

I have these unauthorized inquiries on my Equifax and XXXX reports and I have no knowledge as to how they appeared on my report and I consider them fraudulent. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received your stall letter regarding the investigation of my previous dispute, and I cant help but feel extremely frustrated and annoyed. Seriously, how much longer are you going to drag this out? I submitted a dispute XX/XX/2023 to challenge information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly. But all I got was a generic stall letter with no real updates or progress. What gives? Ive done some research and found a CFPB report that specified youre using automated methods to send automatic stall letters to consumers in hopes that they will use your online systems for disputing. There is no law saying I cant leverage todays available technology to help me analyze, create and send disputes to you. 

I have uploaded proof of my letter and information that was disputed
Product: Debt collection

There was a breach to Equifax and my information was compromised. XXXX is also being named in a suit so I feel like my information is being incorrectly being reported. Also one of my creditors prosecuted one of their employees for fraudulent use of customers debit cards and I was one of those customers
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another set of letters to these companies, there are late payments that are hindering, but they are related to covid-19 and legally these companies are supposed to work with me and accommodate when it comes to financial issues due to covid-19. I have sent letters before, over a month ago to be exact, and I haven't received any results let alone even a response. Please help me resolve these issues so I can get my credit back on track and start my journey of getting my mortgage. Attached are my identity documents and the letters I have sent too these credit bureaus.