23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is an addendum to Complaint No. : XXXX Below is how CashNetUSA is attempting to collect an incorrect amount of money What are my next steps. As you can see I sent an email. 

Thank you. 

XXXX XXXX XXXX THIS IS CASHNET USAS NOTICE TO ME DATED XX/XX/XXXX " Dear XXXX XXXX, Customer # XXXX This is a reminder about your minimum payment that is coming due for your Line of Credit # XXXX with CashNetUSA. 
On XXXX, a payment of {$200.00} is due. 
Please ensure that your payment is received on time. To avoid potential missed payments and late fees, you can change your payment method to an automatic bank account debit at any time by calling XXXX. 

If you have any questions or concerns, our Collections Team is available seven days a week to help answer all of your questions via phone or email. 
CashNetUSA Collections Team Phone : XXXX Fax : XXXX Email : XXXX   www.CashNetUSA.com To ensure delivery of important updates from CashNetUSA, please take a moment to add XXXX  to your email address book. And be sure to bookmark www.CashNetUSA.com for quicker access in the future! '' XXXX___________________________________ THIS IS MY RESPONSE TO THE NOTICE " Dear Sir/Madam : Regarding your above reference to an upcoming payment, please note that the Payment Plan DOES NOT indicate any payment amount of {$200.00} The agreed-upon payment amounts are : {$180.00}, {$180.00}, {$180.00}, and {$140.00} Although I agreed to pay {$140.00}, I believe you added an additional {$140.00}. After all, I have had so many conversations with different Associates of CashNet, more money could have been added. As you can see, there is no arrangement or agreement to pay {$200.00} as part of the current agreement. 

Please advise and correct. 

I am sending a copy to the Consumer Financial Protection Bureau of your notice, a copy of the Payment Plan and my response. I would like the Agency to see how this account is plagued with false statements and misrepresentation. 

HERE IS THE PAYMENT PLAN XX/XX/XXXX Manual Payment Debit Card {$180.00} XX/XX/XXXX Manual Payment Debit Card {$180.00} XX/XX/XXXX Manual Payment Debit Card {$180.00} XX/XX/XXXX Manual Payment Debit Card {$140.00} XX/XX/XXXX Manual Payment Debit Card {$140.00}
Product: Vehicle loan or lease

I have been paying my payment for 3 years. Recently they closed all businesses down with no help to us the consumer. My car stopped running over a month ago and I no longer have a warranty and the shop can not figure out what is wrong with the car. I'm going to have to figure something out because it's getting expensive paying car payments, insurance and still pay another ride to get around to pay my bills. I'm at a lost of what to do.
Product: Credit reporting or other personal consumer reports

Hi i'm reaching out today because I currently have a bankruptcy reporting on my consumer file that I did not consent to by law. This is a direct violation of 15 USC 1681b because I never gave the the courts written consent to post my private personal information to my consumer report. This is also a direct violation of my privacy under the privacy act of 1974 as I was never given an option to opt out of the reporting of this particular public record. This is my formal notice to opt out the reporting of this account on all of my consumer reports.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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 ) ( 1 ) 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase against my will off a cruise ship in XXXX at a store, XXXX XXXX, when the sales person coerced me, promising me gifts to complete the purchase. When I got home and realized that he lied to me, I called to return the merchandise. I had already given away what I thought were gifts, therefore, I paid for those and returned the balance. 
I was told that I can only be given store credit and that I will have to contact the Finance Department, XXXX XXXX XXXX, regarding my account, which I did. To date, the matter has not been resolved. After a year going back and forth between store and bank, they finally told me that there is no records indicating that the merchandise was returned. 

I will attach a copy of the letter acknowledging receipt of the merchandise, and copy of store credit as well as the last letter I sent to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my information reporting on my transunion credit report.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

www.Bank of America. 
XXXX ( 3 hours ago ) Replyto bcc : meBank of America XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXEmail XXXX XXXXXXXXXXXX XXXX NOTIFICATION OF CREDIT FROM BANK OF AMERICA. 

Attn : Beneficiary, We have this day of Monday, XXXX XXXX, 2015 received a payment creditinstruction from the Federal Government of U.S.A to credit youraccount with your full Inheritance fund of US $ XXXX from XXXX account with our bank, Bank of America XXXX However, youshall require providing the followings data 's below : { 1 }. Your Full Name and Address ... ... ... ... .... 
{ 2 }. Your Confidential Tel, Cell and Fax ... ... ... ... .... 
{ 3 ). Your Bank name and address ... ... ... ... ... 
{ 4 ). Your A/c Name and A/c Numbers. : ... ... ... ... ... .... 
( 5 ). Your XXXX Code / Routing Numbers ... ... ... .... 

Please do provide the above information accurately, because thisoffice can not afford to be held liable for any wrong transfer of fundsor liability of funds credited into a ghost account. 

Secondly, the only money you pay for the transfer to take place isjust {$280.00} usd and you are giving 24hours to send the payment andplease be advise that you are to send the payment to XXXX XXXX in XXXX XXXX and you are to use this information to sendthe {$280.00} usd and please be informed that you are not going to pay anyother payment to any body and do not be deceived by any body to sendany other payment. 

Here is the information you will use to send the payment through XXXX XXXX. 

Receiver 's name / XXXX XXXX / XXXX, XXXX XXXXAmount / {$280.00} usdSend us the MTCN once you send the payment. 

Thanks for banking with Bank of America while we long forward toserving you with the best of our service. 

Thanks and XXXX bless you. 
Regards, Yours in Service, XXXX XXXX XXXX B O A XXXX Branch.
Product: Credit reporting or other personal consumer reports

I checked my credit and saw that inquiries were made on my behalf that I never inquired
Product: Credit reporting

XXXX old tax liens that were paid/satisfied/released. 
XXXX from XXXX for {$800.00} and XXXX from XXXX for {$930.00}. These showed up on my credit reports last year ( XXXX ). I filed a dispute with all XXXX credit reporting agencies. 
XXXX removed both of them immediately. 
XXXX removed the XXXX from XXXX, but not the XXXX from XXXX. 
Equifax did not remove either XXXX. 
I would like XXXX and Equifax to remove these outdated derogatory reports. Thanks in advance for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed 3 online credit card applications the weekend of XX/XX/XXXX/XX/XX/2018 w/ XXXX XXXX, XXXX and XXXX XXXX XXXX The XXXX XXXX application resulted in an immediate rejection alleged on the basis of my Experian Credit Report not containing enough account data to render a decision. 

Since I had yet ordered them, I visited Annual XXXX XXXX to order this year 's free credit reports w/ particular interest in my Experian credit report. While no problems were experienced in ordering reports for XXXX and XXXX, my Experian requests all ended in rejections alleged on the basis of the criteria entered on the ID Request Form not matching the information in their records. Although the data required by the ID Request Form is relatively basic, I continued to receive rejections similar to the above each time I attempted to request my credit report. 

In revisiting XXXX XXXX XXXX this afternoon in an attempt to order my Experian credit report again, I received the following error message upon being transferred to the Experian website : " We are currently unable to process your request. 
We've been notified and will actively work on fixing the issue. If you can, please report the details of the issue you experienced below. '' In short, requesting my Experian credit report has resulted in one of the above errors since my initial request over the last weekend in XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Product: Money transfer, virtual currency, or money service

Invested in Bitcoin via US Company ICE ( The Intercontinental Exchange ) starting in I think XXXX. A few times adding up to like XXXX. XX/XX/XXXX last investment and then tried to sell. They said I needed to pay taxes first which I did for just over XXXX. Then after that I was expecting my sell transaction to go through but they came back saying XXXX required a deposit to verify the money and confirm no money laundering going on. They required XXXX... .I came up with half but I don't have the rest and I reached out to XXXX and they say they don't require deposit and don't freeze accounts, but ICE still says they need this deposit. So I may have been taken. Hope you can help, maybe verify if deposit is required by XXXX but email I recieved from them says no. BTW I was sent to you by Financial Crimes Enforcement Network of US Treasury. Balance at time was XXXX XXXX Dollars.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fufilled its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed informed credit report.Leaving inaccurate or unverifiable accounts unresolved. The Consumet Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumers - provided evidence to furnishers, accepting, unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit report standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as XXXX 's inaction violates federal laws and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Companies ran my credit report without my authorization and left a hard inquiry which is fraud.
Product: Debt collection

WILLIAMS AND FUDGE INC.

Collections negative mark with zero attempts to collect before reporting : Today, XX/XX/2021 I received notification from XXXX XXXX that a derogatory mark has been added to my file. When I opened the remark it was a collection for {$290.00}. The collection stated it was two months old. Yet, I had no notification of the debt not by phone or letter. Absolutely unacceptable. 

My credit has been between XXXX and XXXX until today when it dropped -29 points due to this collection Absolutely deceptive and unfair practice.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I would like to claim negligence by Chase. They should protect me as their client ; however, they failed to protect me and fail to investigate the claim. They did not live up the expectation that such big company is expected to give to their client. 
On XX/XX/2021, I was victim of voice phishing. The scammer had spoofed Chase Banks number and I was scammed for {$2000.00}, by XXXX. Right after I realize that was scammed, I called Chase and was put in hold for more than an hour, so I had no other choice than going to the local Chase bank to explain my situation. They put hold on my account, and I was told to wait that they will investigate my claim. They also told me that I need to go to XXXX XXXX bank and to talk to them because the recipient is an account holder at XXXX XXXX. I knew this because the person at my local Chase bank was able to me track the recipient and found a XXXX XXXX account as well as the last 4 digits of the account number, also I received multiple emails saying to confirm my account to receive money. We went to XXXX XXXX and after checking my info in their databases they concluded the person who scammed me was using my name and email but after checking my socials I did not have any accounts with them, they gave us a phone number to call fraud department. We called and they told us to wait for Chase bank, that they will communicate with each other to investigate the case. I told XXXX XXXX that I am certain that the money was transferred to XXXX XXXX bank account, because they used my email to open a new account at XXXX XXXX. They fraudulently opened an account at XXXX XXXX to steal money from me. Thus, XXXX XXXX Bank also must be responsible for this claim. 

The next following morning not even after a full 24 hours in the morning, I had received a statement from Chase through my Chase mobile app stating that under my authorization and agreement that they will not be taking any action and the inquiry was now closed. This especially confused me since I have never discussed not taking any action and have agreed to close the inquiry. I was assured over the phone by Chase bank that they would work hand in hand with XXXX XXXX and update me on any finds regarding my claim, but I received no updates, no resolutions, just a statement stating that the inquiry was now closed, and they will not be taking any action. I even called after receiving the statement and was put on hold for more than 2 hours and called back the following day, and the lady I was speaking with could not explain in her own words what the resolution was and why my inquiry had been cut short without any investigation. Just repeating the same thing over and over again and I was not satisfied with the answers. It seemed to me that they just wanted to cancel my claim without any right of fair investigation. 

CHASE CLAIM # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received a bill in the mail from my XXXX XXXX/XXXX Credit card in XX/XX/XXXX to pay my bill of XXXX.. I have always paid my card on time from the first time I got it. I called them and they said I had signed up for online billing, when I never have done that and have always got a bill in the mail from them.. it dropped my score from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Upon reviewing my credit report, I have identified unauthorized and fraudulent credit inquiries made by the entities listed below : Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

I hereby assert that I did not provide authorization for these companies to access or review my credit report. Furthermore, I did not consent to Experian including this information in my credit report. These actions violate Section 1681b ( c ) of the Credit Reporting Act and infringe upon my privacy rights.

I respectfully demand that you confirm the accuracy of this information with the aforementioned companies and provide me with copies of any documentation associated with these accounts that bear my signature, indicating my approval for these inquiries.

Moreover, I request that Experian produce a contract between myself, as the consumer, and the company, establishing my consent for them to furnish any information on my behalf. This contract must include my signature. 

If no such documentation bearing my signature is provided, I formally request the expeditious removal of these fraudulent inquiries from the credit file associated with my Social Security number. 

Please be advised that under Section 611 of the Fair Credit Reporting Act, you are obligated to produce the requested contract and conduct a thorough investigation into this matter. 

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX  ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX  - IDENTITY THEFT XXXX Account number : XXXX - IDENTITY THEFT 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had been contacted recently by XXXX University XXXX at XXXX, that I was being sent to collections over an old parking ticket. For reasons I do not fully understand. I remember contacting the college about this after receiving the letter asking for verification of debt and immediate cease and desist. I also got the name of the collection agency and instructed them no contact. I then received an official looking envelope, color XXXX. The only type of letter that is blue is a summons or a lawsuit paperwork. For a collection agency to mail a letter to an alleged debtor in a blue envelope and an incomplete unverified address may be violations of the Fair Debt Collections Practices Act ( U.S.C. Title 15 ) and various Student Privacy Laws as amended. This document resembles a tax document or income tax refund check. 

In addition, this document looks like a summons because summons documents possess barcodes similar to this. In addition there is a return address of XXXX XXXX XXXX XXXX, XXXX XXXX and a postal permit address in XXXX XXXX, XXXX So this is deceptive. ( Title 15 U.S.C. ) In addition, I had already requested no contact except from XXXX XXXX XXXX or the collection agency. 

I requested several court dates back in the day because I was not a student at the time of the parking ticket. I visited the campus because the college refuses to issue bills. Students must visit the college website, remember their student ID and get their bill. Some type of technical issue prevented this technical ability because I was being billed for health insurance I was never informed that I had, so not only did XXXX XXXX endanger my life because I was a XXXX patient whom had no idea he had insurance. I parked in a XXXX minute free parking zone. There were no markings on the tires to indicate the University police ever checked a start and end time. Nor did I get a day ion court to reduce the fee or charges. Now I believe a law may have been broken by the college and or the collection agency representing the college.