23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There was a guy by the name of XXXX XXXX who stated that we owe around {$2100.00} dollars for unemployment insurance payments. They stated that they would settle for {$1500.00} and it is due tomorrow. I attempted to ask some questions only for him to ramble on for about 3 minutes about me interrupting him. He threatened that if he escalates this to the State, the State will stop all work and business until it has been settled. I informed him that I am not the owner but that I would get a message to him and he informed me that this is my responsibility as the Office Manager. I once again informed him that I do not control the finances of the business but that I would get the info to the owner. He gave me the info he needed to give and as I was about to ask him some additional questions he hung up on me. I called back and asked to speak to his supervisor. He stated that he did not have one. I asked him what his job title was and he stated it was unimportant and refused to give me his title. He hung up on me a second time. I called the main number instead of his direct line. I asked to speak to a supervisor. I was transferred to someone and got a voicemail. At this time I am filing a complaint of harassment by a debt collector. I am neither the the owner or the responsible person for the debt. Secondly he refused to provide me with his job title or allow me to speak to a supervisor to obtain further information to pass along to the owner of the business. I attempted to call the main line and was also unable to be connected to a supervisor. 

Creditor : Leviton Law Firm Caller : XXXX XXXX Title : Unknown Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this on my own behalf. everytime i send something to the credit agencies they saying its someone else. The XXXX account on my credit report is not accurate and I attempted to show communicate this to them as well as the Reporting agencies. 

I have never been late. 
The reported me as a 90 day late when I was on payment deferment. 

My payment deferment started in XX/XX/XXXX and went through XX/XX/XXXX. They reported me as 90 days late in XXXX 

This is impossible. 

Also if this was the case it would have also shown progression on my report from XXXX with a 30 day late and then a 60 day late and them 90 day late which the report doesn't reflect either. Please update the report to reflect on time payment. 

This was also during the covid time when all education loans are to be reported positively as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion added this account which is not an actual account that I had with this leasing company. It says account was opened XX/XX/XXXX  which is false. I never opened an account on that date with this company. Called this company to asked them about my accounts and they stated they were going to send transunion paperwork to show accounts paid off. Account shows a balance of XXXX again which is false they added the two accounts I did have with this company which was paid off.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this credit bureau in regards to incorrect and improper reporting on my account. I initially submitted my complaint on XX/XX/2022 to XXXX, Transunion and XXXX. After I submitted my complain via the CFPB, I was asked to provide documentation to verify my identity in which I did. I sent these bureaus 3 different sets of copies to verify my identity via certified mail and the first two we're unsuccessfully received. My last set of verification documents was sent off last Monday yet all agencies have closed my complaint without removing this information that doesn't belong to me. 
The credit bureaus 's stated that my account has was properly investigated but how can that be when I've been a victim of identity theft and this information doesn't belong to me? I've submitted a Identity Theft Affidavit along with this complaint stating this information. 

This is grounds for removal under the following : 15 USC 1681c-2 -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 of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of these requirements have been met and still this inaccurate and incorrect information is being reported on my account.
Product: Credit reporting

I enter all the information you requested about me, addresses, SSN, birthdate, but the questions you asked about my identity were question ( I think ) about my son who lives in Florida. My son has the same name as me but he 's the the XXXX, ( XXXX ) and I 'm the XXXX. I cant get access to my credit report which I need What should I do to fix this? Or is there something wrong like identity thief?
Product: Credit card

Star card. I was XXXX from military service in XXXX due to physical health concerns and financial difficulties. Consequently, I am unable to make payments on my credit card, despite my husband 's XXXX XXXX status. I have attempted to negotiate a lower interest rate, but my request was denied. The current outstanding balance is approximately {$12000.00}, with half of that amount attributed to interest charges. I ceased making payments in 2018, but the interest continues to accrue, and the credit card company is unwilling to work with me to find a resolution. My husband remains on XXXX XXXX.
Product: Debt collection

PREFERRED COLLECTION & MANAGEMENT is reporting a collection account to all 3 of my credit bureaus that I am not responsible for. In addition, PREFERRED COLLECTION & MANAGEMENT has violated the HIPAA law, by having access to my medical information. According to the HIPAA law a collection agency is only to be provided the following : Name and address, Date of birth, Social Security number, Payment history, and Account number. 

I have no contract or business dealings with PREFERRED COLLECTION & MANAGEMENT. I have never received any correspondence from PREFERRED COLLECTION & MANAGEMENT stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with PREFERRED COLLECTION & MANAGEMENT for some time. I have requested documentation to include a signed agreement & proof that PREFERRED COLLECTION & MANAGEMENT owns the debt ( along with copies of anyone else who has owned this erroneous debt ). PREFERRED COLLECTION & MANAGEMENT also seem to re-age and change the dates of this erroneous debt to continue to seem to make this a valid debt. 

PREFERRED COLLECTION & MANAGEMENT is in willful non-compliance with the HIPPA & FCRA. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family. PREFERRED COLLECTION & MANAGEMENT even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in PREFERRED COLLECTION & MANAGEMENT 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX, XXXXXXXX XXXXXXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$150.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX  ) XXXX Balance : {$740.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. IXXXX  XXXX XXXX XXXXXXXX XXXX XXXX : Account Number : XXXX Please BLOCK this account from credit report 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 2XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 3. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 4. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 5XXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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
Product: Debt collection

PORTFOLIO RECOVERY IS REPORTING TO THE CREDIT BUREAUS THAT I OWE A DEBT OF {$290.00} FOR AN ACCOUNT OPENED XX/XX/2012 WITH AN ACCOUNT NUMBER ENDING IN XXXX. I HAVE WRITTEN THEM A LETTER ADVISING THEM THAT THEY NEED TO STOP REPORTING INCORRECT INFO UNLESS THEY CAN PROVIDE ME WITH PROOF THAT THE DEBT IS MINE AND THIS IS WHAT THEY SENT ME. WHICH DOESN'T PROVE ANYTHING AND THEY REFUSE TO STOP REPORTING INCORRECT INFO.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 )  ( A ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts  may const itute the reporting of false information, causing damage to my reputation and future credit worthiness.   I have a unverified account on my report that from a Company N/A #  XXXX  all that is states is that it is a MEDICAL account there is no company name on it. The I also have  XXXX  account from  XXXX   XXXX  that are listed wrong. These accounts has been disputed for very poor records keeping and inaccurate filing of my account status.
Product: Credit reporting or other personal consumer reports

Please note that the FDCPA has been violated by mischaracterizing this alleged debt in your attempts to collect. 

You referenced a loan balance in your letter, a derelict letter sent to me previously ( I suppose as your attempt to validate the debt? ). In fact, the laws governing the alleged contract clearly state this as a credit sale. No loan has taken place between anyone involved in the alleged agreement. The alleged debtor is not a borrower, nor have they been loaned any goods or advanced any money by the alleged creditor. 

Your reporting is not only deceptively misleading, but it is also substantially absent of requisite conditional verifiability, validity ( as related to document evidence in support of physical proof of truth, correctness, and completeness of claim ), and certifiability ( to XXXX XXXX Format as an example ). 

Per my states applicable reporting and/or collection laws and per federal standards similar, no claim derelict may be retained, much less reported. 

REMOVE FROM REPORTING this claim of repossession right now. Any furtherance is assumed to be your willful disregard of requisites to report and intentional harassment or even extortion under threat of financial injury ( ies ).
Product: Mortgage

After many calls from the company who stated that they could assist us with getting a better rate on our home mortgage, we promptly sent all our personal informationand signed e-documents to XXXX XXXX of Network Captial Funding. He initiallyappeared to be very upfront, honest and knowledgeable. But was pushing us toget all the stuff to him so we could close by end of month. We asked him straight upif they could do honestly do the loan before we gave our CC number for the appraisal. XXXX was very confident that they would successfully be able to completethe process quickly. But after the appraisal we heard nothing from XXXX. Whenwe by chance got him, his response was brief " It is out of my hands, I only assist with the initial part. '' Four weeks have gone by and no copy of our appraisal wassent to us and no calls or updates provided. We have emailed XXXX and the companyand nothing. We have called numerous times and now we get only voice messageseven from the companies main number. Its like they have dropped off the face of the earth with our personal information, and money for the appraisal. We feel totally taken advantage of and feel like this company should reimburse our money. We didnot call them initially they hounded us. If they could not have done the loan whynot just be forcoming and honest. I think there should be a fine for companies thattake advantage of the consumers.
Product: Checking or savings account

I was notified by email XXXX saying " Important : Please contact us To help protect against fraud, we restricted and may need to close your account soon '' I called the bank immediately after receiving it and was told on the phone that the account was to be immediately closed, there were no further notes on the account, and the decision was final. 

I visted the branch on XX/XX/XXXX and was told the same. 

I had no means of appeal, I was told to remove my money and transfer it to another institution. 

The account has existed since XXXX, has been the same operating business account for the business since that date, and is the only checking account that business has. It hasn't done anything unique or new in the last months. 

They have said it will affect my personal accounts too " imminently ''.
Product: Debt collection

IQData International refuses to send me debt validation letter. They have no paper trail proving this belongs to me. They have no documentation bearing my signature and therefore should be removed from my credit report!
Product: Checking or savings account

I am writing tin regards to the following account : Bank Name : BANK OF AMERICA MICHIGAN Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX  Phone : XXXX The account is closed-Purged on my XXXX XXXX report which i got after trying to open a new account with XXXX XXXX. However this account was close by the bank as they suspected fraudulent activity which I was the victim of a scam and not the perpetrator. 

On XX/XX/XXXX, I travel to the United State of America where I was XXXX  as I was seeking XXXX. I was XXXX  at the XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. During this time I had no access to any technology, my bank account, my bank of America debit card or the outside world. Also during this time frame a number of fraudulent activity activities were on my account which is the : Bank Name : BANK OF AMERICA MICHIGAN Bank Routing # : XXXX Account # : XXXX When I was release on XX/XX/XXXX, I discover this and reported it to the bank and file claim on the transaction, I was also told that I would need to go into the bank and close the account as my banking personal information was compromise and whosoever was doing it can do it again. I went to the Brach office in XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX. I was inform by the branch manger that she could not assist me as I didnt have an ID ( thats my passport ), although I had my ; 1. Bank Debit Card with my Photo ID on it, 2. A copy of my passport 3. My SSN Card 4.  XXXX  National ID As they need the physical ID thats on file which is my passport. Due to the fact that my Passport was held in U.S. Immigration and Customs Enforcement XXXX, until recently when I was granted XXXX  on XX/XX/XXXX, I could not president my passport to the bank. 

With that said, I could not close the account and fraudulent activity activities continues on my account which include : My online account password was change ; Numerous attempt on signing on my online account ; An a sign in on a device thats known for fraudulent activity as advise by the Bank when I call enquiring about my password being change, and ; Among other thing. 
I was then inform that as according to their bank policy they would close the account and none of the funds I had in the account was return. 
In concluding, Bank of America didnt do as much as to protect my account despite my many attempt to close my account to avoid those fraudulent activities that led to the bank to closing my account in the manner ( Closed-Purged ) they did that benefit them and leaving me a Victim Fraudulent Activities.
Product: Money transfer, virtual currency, or money service

I Recently Opened An Venmo Account & Was Sent XXXX Dollars & Next Thing You Know My Account Was Frozen I Contacted Them Via Email And Then Was Instructed To Verify With Photo Identification So I Did & My Account Was Unfrozen But I Still Couldnt Send Money, I Contacted Venmo Again And Was Told To Add My Bank Account To Make A Transfer Instead Of Sending It To Someone, But Before I Could Make A Transfer The Account Specialist Told Me He Would Have To Freeze My Account While I Add My Bank Then When I Do To Contact Him Back And He Will Unfreeze It, Well That Didnt Go As Plan My Account Has Been Locked Since And They Wont Tell Me Why.
Product: Credit reporting or other personal consumer reports

The pictures/screenshots show that I was denied but I was never sent a valid/legal document showing my debt transfers from XXXX to XXXX XXXX XXXX. A proper investigation was not done. 


Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to describe what happened to me, but I truly do not have much to say. I am not aware of any accounts that is on my credit report. I never gave anyone permission to use my social security and post information about my credit to anyone. On XX/XX/2020 I sent dispute LETTERS to the Credit agency 's : XXXX, XXXX, and Equifax. They still have not answered my request. The information on my report must come off asap ...
Product: Debt collection

I received notification from a seperate collection agency ( XXXX XXXX XXXX ) that I was sent to collections. I was notified of the charge in XXXX of XXXX, and the default on a loan was in XXXX of XXXX. This was the result of a fradulent charge and identity theft that I was unaware of until I received this notification. 
The current creditor os Security Credit Services Original Creditor was XXXX, XXXX XXXX Original account # Internal file to XXXX XXXX Balance : {$1000.00} Someone fraudulently opened an online loan in my name from a previous address that I had not lived at since XX/XX/XXXX. I reported to all credit reporting agencies and the collection agency. They said it was a legitimate charge and it is NOT! I provided documentation that showed I was living out of state in XXXX including by tax return and a paystub. They still refuse to remove it from my credit report. IT IS NOT MY CHARGE! 
After I called and left a voice mail with SCS, I have been overinundated with scammer calls and I am convinced they have sold my data for harassing solicitations.