23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, I am filing a formal complaint against Cherry Technologies and XXXX XXXX XXXX for their unlawful handling and collection of a debt in violation of consumer protection laws. 



Details of the Complaint : In XX/XX/year>, Cherry Technologies allegedly sold a {$380.00} debt in my name to XXXX XXXX XXXX. 
However, XXXX XXXX XXXX was not licensed to collect or own debts in the state of Nevada at the time of the sale. 
According to the Nationwide Multistate Licensing System ( NMLS ), XXXX XXXX XXXX did not obtain licensing in Nevada until XX/XX/XXXX, XXXXnearly 18 months after the debt was transferred. 
As a result, Cherry Technologies illegally sold my debt to an unlicensed company, rendering the sale invalid. 



Attempts to Resolve the Issue : I have made repeated attempts to contact Cherry Technologies through phone, email, and chat, requesting that they : Recall the debt from Denali Capital LLC.

Contact the credit bureaus to remove the inaccurate debt from my credit report.

Despite my efforts, Cherry Technologies refused to take corrective action. 
Additionally, XXXX XXXX XXXX continues to claim ownership of the debt, despite being unlicensed in Nevada at the time of acquisition. 



Legal Concerns : XXXX XXXX LLCs collection efforts were unlawful due to their lack of licensing in Nevada during the time of sale. 
Cherry Technologies failure to verify the licensing status of the company they sold my debt to is a violation of consumer protection standards. 
By refusing to assist in correcting the inaccurate reporting, Cherry Technologies is causing continued harm to my credit score. 
Requested
Actions by the CFPB : I am requesting that the CFPB : 1. Investigate Cherry Technologies illegal sale of the debt to an unlicensed collector.

2. Force Cherry Technologies to contact the credit bureaus and request the removal of the {$380.00} debt from my credit report. 
3. Ensure XXXX XXXX XXXX ceases all collection efforts on this debt, as they were not licensed in Nevada at the time of purchase. 
4. Impose appropriate penalties on both companies for their unlawful practices. 



Supporting Documentation : I am prepared to provide : Correspondence with Cherry Technologies showing their refusal to assist in resolving the issue. 
XXXX licensing records confirming that XXXX XXXX XXXX was unlicensed in Nevada at the time of the debt sale. 
Credit reports showing the debt is still listed under Cherry Technologies, despite the alleged sale.

Conclusion : Cherry Technologies unlawful sale of my debt to an unlicensed company and their refusal to take corrective action has caused harm to my credit and violated my consumer rights. I am requesting the CFPBs intervention to hold both companies accountable and remove this invalid debt from my credit report. 

Thank you for your time and assistance in this matter.
Product: Credit reporting or other personal consumer reports

I had an account that was closed with XXXX XXXX years ago ( XX/XX/year> ) but for some reason it keeps popping up as if Ive been paying on it for the last 4 years & recently going into to repo when I havent had the car since XXXX of 2020. The account should be listed as charged of since then. But instead its acting as a zombie debt
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries here were not authorized by me. You can see that some of this inquires are automated and duplicated. These all are labeled as soft and Hard inquires. 

Soft Inquiries XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXXLIMITED Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXXXX/XX/XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Interview System XX/XX/XXXX XX/XX/XXXX LIMITED Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Account Review InquiryXX/XX/XXXXXXXX, XXXX XX/XX/XXXXReport XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional XXXX XX/XX/XXXX XXXX Promotional XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXPromotional Inquiry XX/XX/XXXX XXXXXX/XX/XXXX Promotional Inquiry XX/XX/XXXXXX/XX/XXXXAutomated Consumer Interview System XX/XX/XXXXXX/XX/XXXX Automated Consumer Interview System Hard Inquiries XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Dispute this XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX Dispute this XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX this XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXXXXXX Dispute this XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX
Product: Checking or savings account

I deposited a check for the amount of XXXX via mobile depocit on XXXX but the bank took the money from my account on XXXX because they say the check was deposited XXXX more time but we dont know who did it
Product: Money transfer, virtual currency, or money service

I was going to set up an international transfer with my bank but noticed that there are hidden fees in regards to the exchange rate that is used in comparison to the mid-market rate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts 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 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 XXXXXXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau . According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that your company supplied to [ XXXX, transUnion, XXXX ]. I have circled the items I dispute on the attached copy of my credit report ( XXXX ). 
XXXX XXXX account number XXXX is inaccurate [ or incomplete ] because [ all XXXX credit bureaus are reporting account types transunion states the account is open XXXX said it is a cell phone account also XXXX says the account is open and all XXXX bureaus are reporting the account status is closed if you get your information from the same place why are my reports so different is this XXXX XXXX or closed how can a account be open and closed which on is it ] I am requesting that [ XXXX, XXXX and TransUnion ] have the item removed Enclosed are copies of [ my credit report and any other documents enclosed with a short description, for instance, your record of payments made ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( XXXX ) as soon as possible.
Product: Checking or savings account

I opened a 360 performance savings account with Capital One in XXXX of XXXX and deposited {$2000.00}. 

Ive had countless calls and attempts to access my accounts through the app/website but since I did not have the account number I was unable to gain access. 

Today ( XX/XX/XXXX ) I checked mail that I received and see a statement from Capital One which says my current account balance was {$0.00}. The letter states my opening balance in XXXX was {$2000.00}. However, there was a - {$2000.00} withdrawal on XX/XX/XXXX. This withdrawal is not reflected in ANY of my other accounts. 

After a 1hr call with an agent, I was finally told that the account was closed and that they wouldnt be able to disclose any information regarding why. The agent also stated that any good funds would be returned to me but when I asked what is defined as good funds the agent refused to answer and connected me to a supervisor instead. 

After discussing with the supervisor, I was informed that due to inactivity, restrictions were placed on the account and the account was marked as fraud. Upon requesting more information and disclosure about the missing funds, I was abruptly disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out on XX/XX/XXXX to Transunion. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureau failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency XXXX, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-dday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I'm disputing this compliant because I applied to an apartment and I was denied because of inaccurate information on my credit file. I am a XXXX  sister  and i have been having a lot of problems with my credit. My XXXX name is XXXX XXXX XXXX SS # XXXX. 
( Report ID # XXXX ). XXXX XXXX XXXX ( XXXX ). 

1.I am disputing Navy Federal . I only have a debit card, and never had a charge off with them. Date XX/XX/16. Amount {$9500.00}. 
2. XXXX  XXXX I am disputing - I have never had an account with them. Amount {$410.00} 3. XXXX XXXX- I am disputing because i never had an account with them. Amount {$650.00}. 
4. XXXX XXXX XXXX Card- I am disputing I never had an account with them. 
Amount {$250.00} I am also disputing the inquires on my account from XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX Card. 
Please forward correspondence to my address at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company does not answer to my disputes regarding this account without stating that my FTC AND MY DRIVERS LICENSE are invalid which is incorrect. I have 4 witnesses that can prove I have done so properly and in a timely manner for 11 months. Equifax continues to spam myself with mail without having any permission purpose to post this invalid account onto my credit file and continues to lie to the consumers about their investigation process.

This company is not putting the account in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer.

By reporting this inaccuracy you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2016 Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX This company does not investigate XXXX XXXX XXXX XXXX and states that they get paid business from keeping business with them and leaving my credit in the ruins
Product: Credit card or prepaid card

There is a billing error on my capital one statements. This notice is Pursuant to 15 USC 1666. Capital one is practicing unfair credit card practices which has caused multiple billing errors. My full correspondence in regards to the billing errors are in the documents attached. This obligation was already paid for when capital one got my credit card. Pursuant to 15 usc 1602 ( l ) the term credit card means any card, plate coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. My credit card was used to obtain credit so I in fact extended the credit so this account was already paid. Pursuant to 18 USC 8 all debts public and private are the obligation of the United States so Capital One is in fact furnishing deceptive forms claiming that I owe and alleged debt when I do not. Pursuant to 15 USC 1602 ( k ) capital one failed to give me adequate notice that was supposed to clearly and conspicuously disclose the pertinent facts of the consumer credit transaction that took place with my credit card. Which is a direct violation capital one did not provide adequate disclosure in which I understood its meaning. Which resulted in me not benefiting in this transaction which has been unauthorized use. Capital One is in violation of 15 USC 1666b as a creditor may not treat any payment as late and there are multiple payments that are on my consumer report that is late and I have noticed Capital one of this error. I do not consent to capital one taking any adverse action to my accounts, closing my accounts, decreasing my credit limit or anything that will negatively affect me providing for myself and my son. Please check attached letter.
Product: Credit reporting or other personal consumer reports

Credit Repair 1st Step This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT
Product: Checking or savings account

I have been locked out of my checking account with current online mobile bank. At the time of locking me out of my account the remaining balance was and should still be {$3200.00}, as I have yet to get access to my account or funds. The date of all this began on or around XX/XX/2020 and is still currently an issue of which has not been resolved. After many different approaches to actually discussing the issues at hand with an actual being or representative other than via email, which I've recently been requesting phone number update on my account. No reply from current or their service support techs. These issues have been going on now for almost 2 years and it's been long overdue.Not mentioned the huge inconveniences this has caused in my life. I've provided all the needed supporting documentation regarding my deposits made in my account being in my name of which I still have all the emails from current and myself as well as the attachments verifying everything of which was what that's going on in my. Still current has done nothing more than exactly what it seems, keeping my money from me. I feel like I've been robbed of my funds, locked from getting access to my account. By far is this in any way acceptable to be taken for all you have like that's absurd and feel like there is something that can be done and a lawsuit or sure.
Product: Credit reporting or other personal consumer reports

On [ Insert Date ], I discovered that my personal information had been compromised in a data breach, resulting in unauthorized accounts and transactions. 

I took the following actions : Contacted the companies involved : I reported the fraud and requested that the affected accounts be frozen or closed, as required by the Fair Credit Reporting Act ( FCRA ). 

Filed a police report : I reported the theft on XX/XX/XXXX, in accordance with the Identity Theft Enforcement and Restitution Act of XXXX. 

Notified the credit bureaus : I contacted XXXX, XXXX, and TransUnion to place a fraud alert, in compliance with the Fair and Accurate Credit Transactions Act ( FACTA ). 

Filed an FTC Identity Theft Report : I filed a report with the Federal Trade Commission ( FTC ) on [ Insert Date ], as per the Identity Theft and Assumption Deterrence Act ( ITADA ). 

I am taking steps to protect my identity and prevent further misuse of my information, including requesting credit monitoring and fraud alerts as required by applicable state and federal laws.
Product: Credit card or prepaid card

I have an American Express Platinum card. One of the features is that whenever I rental car is booked using the card, a charge of {$19.00} is automatically charged in order to provide rental car insurance protection. This is a great feature of the card and protects the card holder in case of any damage to the rental car. 

However- if during the same rental another charge is made to the card ( such as for toll roads, parking fines, administration fees, deductible / excess charges for alleged accidents ) then another {$19.00} is automatically charged. Essentially, whenever any rental car company makes a charge to the card, {$19.00} is levied. 

This has happened to me on 4 occasions since XX/XX/2021. Amex refunds the erroneous additional charge, but my concern is that there are XXXX or XXXX of people out there who have not recognized this and so are owed money! 

It could be a huge scandal!
Product: Credit card

I made a purchase in XXXX with Capitalone credit card who claims not to charge a foreign transaction fee. I make the purchase on Tuesday XXXX XXXX at app XXXX PDT. Capitalone texted me and asked me if I authorized a charge for {$1200.00} to XXXX for airplane tickets. I confirmed. And after checking foreign exchange rate at the time of purchase, I can agree to {$1200.00}. 
On my statement, Capitalone is charging me {$1200.00}. When I called last Friday ( XXXX XXXX ) to Capitalone to bring this up to their attention, they said that only {$1200.00} will be charged. When I called today ( XXXX XXXX ), they said that the charge came from XXXX, possibly for baggage charge. Such is obviously not true. 

Basically, Capitalone is not honest in the exchange rates for foreign transactions. In fact, they can charge any rate they wish. Consumer who are expecting to a particular amount on their credit card bill can be shocked to a much higher amount.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain hard inquiries listed on my credit report. I believe these inquiries were made without my authorization or are otherwise inaccurate or unlawful under the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I noticed the following hard inquiries that I believe should be removed due to lack of authorization : Inquiry XXXX : ** [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] Inquiry XXXX : ** [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] Inquiry XXXX : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] Inquiry XXXX : ** [ XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] Inquiry XXXX : ** [ XXXX XXXX XXXX XXXX  ] [ XX/XX/XXXX ] ( Include additional inquiries if applicable ) Under the **Fair Credit Reporting Act ( FCRA ) **, specifically Section 604, a hard inquiry may only be placed on your credit report when you provide consent. If any of these inquiries were made without my consent or were not initiated by me, they are in violation of my consumer rights and should be promptly removed. 

Please investigate these inquiries and remove them if they were unauthorized. You are required to complete your investigation within 30 days and provide me with the results of your findings. 

Additionally, I would like to remind you that under the FCRA, I have the right to request that any information found to be inaccurate, incomplete, or unverifiable be deleted from my credit report. 



Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to have my name and address updated about a month ago and the credit reporting agency has not corrected the issue.