23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company has contacted me repeatedly to attempt to collect a debt that I do not owe. I tried to reason with these people and they continued to lie and harass me. The rental application ( which I can submit ) specifically states that unless you pay the application fee, your application would not be processed. No application = no deposit and no hold on a unit. However, after I relayed this information to ProCollect, they yelled at me and accused me of not paying my bills. I requested that they no longer contact me until they send me proof of the bill and they did neither. I am still awaiting proof til this day. All they have ever sent me was a invoice that was sent to them! That 's not proof of me agreeing to pay a deposit or being forced into a apartment I did not put a deposit in for either! My application fee was returned because I accidentally was {$.00} short of the {$35.00}. I called the representative I was in contact with immediately and let him know of the situation and that I would have to wait until I could come up with enough to pay it in cash. He said " okay. '' That was the end of that! 

Until 2016. This year they found me and harassed me. It has stopped me from getting an apartment that would 've helped me out a lot. I am disgusted with the representatives and the company 's response in general! I want them to remove the mark on my credit report and stop contacting me about {$230.00} that I do not owe!
Product: Credit reporting or other personal consumer reports

Describe What Happened XXXX XXXX XXXX has engaged in multiple harmful practices that have significantly impacted my credit and financial well-being : 1. False Reporting to Credit Bureaus : - They have falsely reported late payments to the three major credit bureaus ( Experian, XXXX, and XXXX ). 
- These false entries began appearing on my credit report around XX/XX/XXXX and continue to negatively affect my credit score.

- I have not received any explanation or proof from XXXX XXXX XXXX to justify these reports. 

2. Predatory Lending Practices : - XXXX XXXX XXXX used unclear and deceptive lending terms, which I now believe qualify as predatory practices. 
- They did not provide clear disclosure forms or proper documentation at the time the account was opened or during its servicing.

3. Actions I Took : - I contacted XXXX XXXX XXXX several times between XX/XX/XXXX until XX/XX/XXXX to dispute the late payment entries and requested supporting documentation, but they failed to respond adequately. 
- I reviewed my records and confirmed that the information they reported does not match my payment history.

4. Actions by the Company : - Despite multiple attempts to address these concerns, XXXX XXXX XXXX has not provided any disclosures or evidence to justify their reporting. 
- They continue to share incorrect information with the credit bureaus, causing ongoing damage to my credit profile. 

Specific Request : Cease All Contact : I request that XXXX XXXX XXXX stop all direct communication with me. 
- Correct Credit Reporting : The company should amend my credit report to remove all inaccurate late payment entries. 
-Delete the Account : I am requesting a full deletion of this account from my credit reports with Experian XXXX XXXX XXXX and XXXX XXXX 
-Provide Disclosures : XXXX XXXX XXXX must provide all disclosures and documentation that validate their credit reporting actions, as required by law. 

Impact : These false reports have harmed my credit score, affecting my ability to obtain credit or loans under reasonable terms. Additionally, the lack of disclosure and transparency has caused me undue stress and frustration.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without croviding any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX way to go on not doing what the law requires. I went through the statements and found proof that not only am I making the monthly payments so the late history is inaccurate and CLEARLY not verified! But the balance is also wrong. The date of the last payment is wrong! So if you want to ignore me or make me jump through hoops maybe I should turn the FULL payment history, the multiple letters to the bureau and the creditor, the CFPB complaint, and the monthly statements over to a consumer attorney and to see if I have a lawsuit! I'm paying Credit Acceptance and they are NOT in compliance with FCRA reporting and your bureau did a XXXX-XXXX  job on looking into this. All I want is this corrected IMMEDIATELY!!
Product: Debt collection

XXXX  I have a Debt from chase bank saying i owe chase almost 17k or 18 k in payments for a credit card that never belong to me
Product: Checking or savings account

On XX/XX/year> a check was deposited into a 5/3 ATM in the amount of {$19000.00} from a car dealership for selling my vehicle. 5/3 Bank has an ATM check deposit limit of {$50000.00}. The following day, XX/XX/year>, I could not access my account. I was not notified by 5/3 Bank.

I contacted 5/3 Bank to find a reason why I could not log into my account online. I was told the account has been put on a fraud freeze and I would have no way to access any money from my checking account until further notice.

5/3 Bank claimed the check deposit could not be verified and I would have to prove the check is legit. That day 5/3 Bank was provided the check invoice and the State of Illinois Title Stub of the vehicle. 5/3 Bank said it would take up to 72 hours to process the verified material.

Over 72 hours after submitting the documents, my account is still frozen, with no access to my checking account. This is my main checking account that receives direct deposits from my employer and pays all bills. 5/3 Bank was contacted again and could not provide if or when the account will be unlocked.
Product: Debt collection

While attempting to negotiate some sort of settlement with Wilber Law Firm/Group, etc., I was repeatedly spoken to with complete disrespect. The representative XXXX, was rude and unprofessional on most every call I 'd ever experienced with her ( about 4 or 5 ). After several unsuccessful attempts to negotiate a reasonable repayment plan and consistently being spoken to like a useless bum of some sort, I eventually decided I 'd need to find a different route to settle this debt especially being that all of the harassment was coming from a " debt collector ''. I later learned that law firm had already sent a letter to the DMV causing my driving license to be suspended months earlier. I am currently in the process of researching if the action was even a legal one on their behalf. I even mailed a letter to the firm during all of this informing them of the tactics being used to force me to pay the debt. Who responded? XXXX. When I called for the last time to attempt speaking with a different person ... again I was taunted my none other than XXXX. When requesting verification of the debt, she mailed me cut off documents that explained none of what I 'd asked for After she 'd already let me know that the company should n't need to waste their stamps due to me being irresponsible. I later researched to see if I was the only person having such a problem from this company to learn that several complaints have been filed against this company for many of the same reasons and some even worse. The lists of complaints go back for years. Well, add this one to the list.
Product: Credit card

I have an unauthorized and unjustified hard inquiry on my XXXX, XXXX, and XXXX credit report from Capital One Bank. I called capital one executive office in regard to the unauthorized hard inquiry that is reporting on my credit files and I was advise to allow 7 business days that someone will call me back in regards to the issue. It has been over three weeks, and I have not receive a call back from capital one or received any correspondence from capital one, and the unauthorized hard inquiry is still on my credit report. Now I have a fraud alert on my credit files since XX/XX/2014 and yet still capital one was able to place an unauthorized hard inquiry on my credit report with the major credit bureaus. Capital One Bank had initiated a fraudulent inquiry into my credit report without my written authorization. This breach is in violation of my privacy Act, where it is evident that employees of Capital One Bank made unauthorized inquiry into my credit report.
Product: Credit reporting or other personal consumer reports

Experian reported to me that my XXXX XXXX Credit Card ( in which I am an authorized user ), was closed. This information was NOT correct, so I therefore made a dispute on my Credit Report and told Experian as such. Subsequently after their investigation was done, they deleted it instead. I still have the card as it is open ( account number starts with XXXX opened on XX/XX/year> ) and XXXX and XXXX have verified it as such. There is no way online for me to reopen the dispute since it has disappeared off my report entirely, and the phone hotline transfers me to a customer representative that was not helpful.
Product: Debt collection

I attempted to resolve & negotiate credit debts thru XXXX XXXX back in XXXX of XXXX. I provided all amounts owed with contacts including phone numbers, account numbers & balance owed. At that point they started deducting {$1600.00} a month, as the months went by I started receiving collection notes, then it went on to more aggressive means as I started getting served by the courts for creditors that had been provided to XXXX   when they started receiving funds. I sent all summons & letters to XXXX  believing they are handling my accounts for me. I started questioning what is going on & why did it get to the point of me getting served by the courts when XXXX has been deducting funds to negotiate & pay my creditors for many months ( about a year almost ). I asked for reports for many months from XXXX XXXX in which I would never get anything sent as to what the progress was. I requested many times for report as to what was paid to creditors. I finally received a report XX/XX/XXXX from XXXX who stated he was the new account rep, I immediately explained to him my concerns & wanted an explanation of where my funds have gone. XXXX sent report reflecting {$18000.00} that XXXX had deducted from our account. The report reflects XXXX is holding on to almost 50 % of the funds due to inactive debt which XXXX explained these are accounts that closed with no effort to reach out to my creditor. I took it upon myself to call all creditors & they said no one from XXXX has ever reached out to them to negotiate, they had no idea any company was involved to negotiate debt or work out a payment. The only ones who did get a call was XXXX, XXXX XXXX XXXX out of XXXX creditors that where submitted. I have requested to date from XXXX to provide me with what exactly was paid & to which creditor it was paid to. I am still waiting for the report. It makes no sense for me to get served more than 3 times by the court when XXXX should have been handling all the creditors from the get go. Now as a result of XXXX   negligence the balances & fees with these companies are much higher than when I submitted, they have caused more issues & made the debt worse then it was before I started out. They did not provide the services they advertise for debt relief, they made my situation worse. I need XXXX to take accountability & resolve the debts with the {$18000.00} they have received so far & provide proof they have resolved my debt with a feasible debt solution.
Product: Credit reporting or other personal consumer reports

PORTFOLIO RC BLATANTLY VIOLATES SEVERAL FCRA regulations. Portfolio Rc account was CHARGED OFF on XX/XX/XXXX on XXXX, XXXX XXXX, XXXX and XXXX XXXX of XXXX. PORTFOLIO RV continues to report it as a charge off/ collection status open, with discrepancies between each of the credit bureaus. This inaccurate information falsely manipulates statute of limitations, and proves that PORTFOLIO RV deceptively report incorrect information to credit agencies. Despite being charged off, PORTFOLIO RV has failed to provide me with a 1099-C form, as required by IRS code 4681. Additionally, PORTFOLIO RV has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ) Furthermore, PORTFOLIO RV has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Product: Credit reporting or other personal consumer reports

I SENT LETTERS IN FOR TRANSUNION TO DISPUTE UNRECOGNIZED INQUIRIES THAT I DON'T HAVE NO ACCOUNT ATTACHED TO THAT INQUIRIES, I ASK THEM TO REMOVE THE INQUIRIES FROM MY CREDIT REPORT AND THEY STILL HAVEN'T REMOVE THEM. 

PLEASE REMOVE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX {$780.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/2022 " soft '' inquires started appearing on my Transunion credit report from XXXX. I do NOT have a relationship with XXXX and I have NOT authorized any of the DAILY inquires. I am a victim of identity theft, unauthorized activity started on or around XX/XX/2022. I have notified XXXX via the only communication portal they have ( XXXX ) and I have called Transunion to report the unauthorized DAILY soft inquiries, neither was helpful. 
" XXXX '' with XXXX told me the only solution to getting any fraudulent account that was created with XXXX would be for me to create an account ( provide my personal information to them ) then they could delete my account. I will include screenshots of the AI generated communication I have received. 

I am trying to alert the CFPB, the FTC, Transunion and XXXX that the daily unauthorized soft inquiries on my Transunion Account need to STOP and something needs to be done to investigate whomever has been doing this since XX/XX/2022.
Product: Checking or savings account

opened checking account XXXX using code XXXX  for promotional {$300.00} sign-up bonus, didn't receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I'm XXXX XXXX and I'm here to follow up on a complaint I made earlier. I need you to investigate and fix some stuff on my credit file as per the Fair Credit Reporting Act. Firstly, there's an account called XXXX  XXXX that's showing a past due balance even though it's closed with a XXXX balance. That's just bad record-keeping, so please fix that ASAP. Secondly, another account called XXXX XXXX is also showing a past due balance even though it's closed with XXXX balance, which could mess up my credit. So please fix that too. And lastly, there's an account called XXXX XXXX that has the wrong payment status and history. It's showing a balance even though it's supposed to be a charge-off with a XXXX balance. So please provide proof of the last payment made or just remove it from my credit file altogether.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/2024 - The following inquiry was not authorized and should not be reporting.

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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: Payday loan, title loan, or personal loan

I purchased a new XXXX  XXXX treadmill on XX/XX/XXXX, via the XXXX website for {$4400.00} ; it was delivered on XX/XX/XXXX. TD Bank was the lending company that financed the purchase through an installment plan. 

Within less than a year of normal use, the first treadmill literally snapped in half on both sides of the metal base frame with significant rust throughout. I filed a Consumer Product Safety Commission report, contacted XXXX for a replacement, and contacted TD bank. I continued to make payments diligently in spite of that. 

Consumer Product Safety Commission Report on Treadmill 1 : XXXX : XXXX? XXXX I received a new second XXXX XXXXXXXX in XXXX of XXXX. After only seven months, the treadmill experienced severe malfunctions such as stopping while I was running and lowering to its lowest possible state randomly without user input. Then, its base metal frame cracked in the same exact spots as well with similar rust. I reported this numerous times with photos and video to XXXX and TD Bank. 

I asked for a full refund from TD Bank due to the significance of the repeated safety hazard and XXXX 's non-responsiveness. Twice, TD bank has ruled in favor of the merchant even though acknowledging " defective merchandise, '' and TD Bank simply informed me to continue payments. No one from any supervisory level at either TD Bank or XXXX has contacted me ; in fact, no one from XXXX has reached out to me at all to ask about my personal safety, this obvious safety hazard, or to alert me to stop using the treadmill ( which obviously is inoperable ). 
Consumer Product Safety Commission Report on Treadmill 2 : XXXX : XXXX? XXXX On Wednesday, XX/XX/XXXX, the Consumer Product Safety Commission XXXX XXXX XXXX XXXX XXXX and Technician to my home to examine the treadmill. Both acknowledged immediately the significance of the safety hazard, the cracked frame, and the rust in the metal. They were obviously surprised that I hadn't received a full refund from TD Bank and no one from XXXX had reached out to me directly. Both clearly understood the larger consumer safety concern and that the treadmill posed a significant safety risk and was inoperable. 

While the case with the Consumer Product Safety Commission is ongoing, my request for a full refund from TD Bank has not been resolved. I can not understand a lending bank telling a customer ( who continued to pay in monthly installments in spite of all this! ) to resume payment on a treadmill that is clearly inoperable, deemed a significant safety hazard by the Consumer Product Safety Commission, and is the second such unit to experience the same issues within a year and a half. 

This is either gross negligence on TD Bank 's part or some type of collusion with XXXX to ensure continued payment in spite of me immediately alerting TD Bank ( the lender ) of these significant safety hazards. I have asked repeatedly to be referred to a TD Bank supervisor to no avail. 

I want a full refund. Please contact TD Bank and look into this matter.
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 I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries about XXXXXXXX XXXX XXXX XXXX on my file and the credit bureaus are telling me they cant be removed because I have to contact them directly. So when I contact them directly I get the run around they tell me to contact the credit bureaus and 15 usc 1681 tells us that anyone who fails to comply with any requirement imposed under that certain sub chapter is liable to the consumer and my credit and living has been affected its inaccurate and it states I could get from {$100.00} - {$1000.00} for false pretenses.