23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call to my job from a gentlemen saying he is from XXXX XXXX - i was unable to find the authenticity of this company. They gave me the number XXXX XXXX XXXX to call and reference claim number XXXX. When i called the company says they are XXXX XXXX - again i try to find this company but find nothing. The agents refused to give me a website. I did acknowledge that the debt was mine but would need an invoice first to verify the company is legit and then I'd pay my balance in the three payments they advised me of. The first agent and then the supervisor i asked for did not want to provide me that information but insisted i give them a credit card first. After telling them i did not feel comfortable giving them a card without verifying who this company is they said i can then wait for XXXX XXXX to find me and give me some paperwork that would lead to further action. I let them know that due to COVID-19 I would not accept any documentation or talk to anybody I don't know and the agent hung up on me. They continue to call me continuously from this XXXX XXXX saying they're going to deliver paperwork but they never show up to my house - seems like a scare tactic to make me pay. I want to work with this company but they do not provide any details to confirm this is not a scam.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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: 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 ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, 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 or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX  Employer : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX Public Records : XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXXXXXX 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 Collecon : XXXX XXXX XXXX XXXXXXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX Public Records XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons : 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 Name : XXXX XXXX XXXX Addresses XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Public Reocords : XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collectons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Account number : # XXXX To Whom It May Concern : Thank you for your recent correspondence, including your letters dated XX/XX/XXXX and XX/XX/XXXX. However, I must reiterate my request for specific documentation to properly validate the alleged debt, as required by 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). 
I would also like to note that this is the first time I am seeing the letter dated XX/XX/XXXX. I did not receive this letter at the time it was supposedly sent, despite your prior response implying that I did. This lack of timely notification has impacted my ability to address the matter promptly, and I am bringing it to your attention as it affects my rights under the FDCPA. 
While your response claims to have completed an investigation, I have yet to receive adequate documentation that fully verifies PRAs legal right to collect on this account. As you are aware, the FDCPA requires you to provide information that substantiates both the debts validity and your authority to pursue collection on it. To fulfill this requirement, I am requesting the following specific documents : XXXX. Proof of Transfer of Ownership : Please provide the bill of sale, assignment, or other legal transfer document that clearly shows XXXX XXXX XXXX, transferred this debt, including the right to collect it, to Portfolio Recovery Associates , LLC. 
XXXX. Detailed Account History : A full accounting of this debt is essential for my records, including a detailed history of charges, payments, and any interest or fees assessed prior to your acquisition. This will ensure the balance you claim is accurate and owed. 
XXXX. Verification of Compliance with IRS Write-Off Regulations : As noted in my prior communication, if XXXX XXXXXXXX received any tax benefit or write-off on this account, IRS guidelines may call into question the debt 's validity for collection. If such a write-off occurred, please clarify how PRAs right to collect remains unaffected. 
XXXX. XXXX XXXX under the XXXX XXXX ( XXXX ) : As per 15 U.S.C. 6801, I request that you provide information on how I can opt out of having my personal financial information shared with non-affiliated third parties, in compliance with XXXX 
If you are unable to supply the requested documentation within XXXX  days of receiving this letter, I will consider the debt unvalidated and request that it be removed from all consumer reporting agencies. Failure to provide the documentation will also lead to further complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. 
Please confirm in writing that this account has been removed from my credit report or provide the specific documentation requested above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX experian and XXXX if they can remove all of the old addresses and and inquiries tied to those addresses and they said they will but have not its been months after
Product: Credit card

SOMEONE successfully opened a NEW PayPal credit card in my name on XX/XX/XXXX and charged {$9900.00} on it to " XXXX ''. This account has been closed and an active investigation is ongoing - I have filed a police report as of XXXX. On XX/XX/XXXX - SOMEONE tried to open another PayPal account in my name- this time, it was denied as the credit card opened on XX/XX/XXXX, has since been closed. I received that letter from Synchrony Bank today - dated XXXX. 

I have placed a freeze, lock and fraud report to all 3 credit bureaus as of XXXX. 

Incident # 2 : My bank debit card was hit for 3 amounts on XX/XX/XXXX as follows : I received a text alert regarding my card being used at a XXXX  in XXXX- I replied NO and then got a phone call from my bank 's fraud center. Then they asked to verify the next 2 charges below- which I also denied. 
{$330.00} and {$640.00} - the charges were two minutes apart - 2 different names, same city - thru PayPal to a collection agency in XXXX. 
I have an ongoing case opened up with my bank. 

Because of other information and circumstances -- these 2 incidents may be related.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit reportXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contracted Equifax several months again in regards to ab collection account showing in my credit report under the name Fair in and out for invitation homes original creditor. I advised Equifax that the account was a result of someone using my name and that the account needed to be deleted. I advised XXXX  and XXXX  if the same information and provided the sand both both have deleted the account however Equifax continues to report this account. Please see attached information and follow the other bureaus by deleting the collection item
Product: Credit reporting or other personal consumer reports

This complaint raised my concern on XX/XX/XXXXXXXX  Account number XXXX. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( A ) - states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Opt- Out law - 15 U.S. Code 6508- That law clearly states that I have the right to Opt-out of anything that's on My credit report. 
Per- The FCRA as A federally Protected Consumer, I am Now Opting Out From any and all Authorization, That ( I ) the consumer, May have given you, Written, unwritten, verbal, non-verbal Per 15 usc 6802. 
Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974. 
15 U.S code 1681b - permissible purpose of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX XXXX XXXX has not had My Written consent to report any impact on my consumer report file ) They Do not have my Written Permission to report. 
15 Usc 1681 - b. Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( b ), 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 anteates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 
XXXX, transunion, XXXX, XXXX XXXX, & XXXX XXXX XXXX, is a 3rd Party company.this reporting is in direct violation of Metro 2 compliance standards. 
Important Definitions - The term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph This includes consumer reports. 
XXXX, transunion, XXXX, XXXX, & XXXX XXXX XXXX is a 3rd Party company. 

Account Means : A Written list of Transactions, noting MONEY Owed and money paid; Statement of mutual demands Arising out of a contract or a fiduciary relationship. 
Account can simply list payments, losses, Sales, Debits, Credits, and other transitions, or it may further and show a balance or the results of companies opposite transaction, like purchase and sale.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries 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 Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -late/closed XXXX XXXX  XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3900.00} XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -late/closed -v.n XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently paid XXXXXXXX XXXX to help remove negative items off my report I received emails that these items were challenged on these dates XXXX XXXX XXXX XXXX on XX/XX/2018 XXXX & Equifax on XX/XX/2018 Merchants and Medical XXXX on XX/XX/2018 XXXX XXXX XXXX Equifax on XX/XX/2018 I called all three Credit bureaus to make sure these items were being disputed by XXXXXXXX XXXX all three credit bureaus told me that none of these items were being disputed by XXXX XXXX and that have not received anything from XXXXXXXX XXXX. XXXX XXXX has a good relationship with all the credit bureaus to where when they dispute negative items it goes directly electronically to the Credit Bureaus. 
Below I have attached emails from XXXX XXXX that these items were challenged and a screenshot of my account showing negative items that has been intervene ( challenged ) with the credit bureaus by XXXX XXXX. Its underlined in yellow.
Product: Consumer Loan

I had lost my job and therefor feel behind on XXXX payments. I kept up communication with Capital One and had just agreed to send them XXXX of the past due payments on the following Friday on top of already making that months normal payment. Less then XXXX or 6 days after speaking with them and the agreements being discussed they came and took my car with no warning. After they took my car they failed to follow many CT regulation and/or laws. An example is never sending me writen communication prior to or after the car was repossed. I found out the car had been auctioned, again no communication of the auction prior to, when I recieved a bill for the remaining amount. 

All of this has been terrible and hard to get anywhere in fairly resolving the situation. Now my credit report shows XXXX missed payments and that is simply not true along with other payment information they have listed on my credit report which is also false. I am devastated and if they had just followed the agreement I would still have my car and they would have there loan paid. I truly do not know what to do at this point. I have disputed the information with the credit agencies themselves as well as tried to resolve and communicate with Capital One. 

Please advise me of what I can do to right this situation. I do not understand how companies get away with doing business in a state and not follow the regulation and laws put forth by that state. Thank you for any and all assistance you may be able to give
Product: Debt collection

In XXXX previous complaint response they have used obscene language and continues to attempt to collect on this alleged debt that they have brought. They were also advised to cease and desist collection activity but are continuing conveying false and misleading information to my consumer report about this alleged debt which is beaching the cease and desist I have demanded. This company has violated my right to privacy and continues to violate my consumer rights. Attached you will find my sworn affidavit of fact with exhibits that backs this debt collector false claim.
Product: Mortgage

My mortgage loan was sold to Shellpoint in XX/XX/year>. Before the sale of my loan, my account was under review with Specialized Loan Servicing for loss mitigation. I contacted Shellpoint on XXXX, 2024 to get an update on the status of the review, but was met with the voicemail of my point of contact. I left a message requesting a call back. The system guaranteed my call would be returned within 2 business days. I did not receive a call back at all, so I called Shellpoint again on XX/XX/year> to get an update on the status of my account, but they failed to provide the information and informed me that I needed to speak with my point of contact. I informed the CSR that I left a message for him to return my phone call, which he had not done, and requested that she email him with another request to do so. As of today, XX/XX/year>, I still have not received the phone call I requested from the individual who is responsible for processing my application for loss mitigation. 

I have received XXXX statements in the mail with my past due balance, and a letter saying that more documents are needed for Shellpoint to process my loss mitigation application, yet the person who I need to speak with has not returned my phone calls are requested.
Product: Checking or savings account

On XX/XX/2023, I wrote a check in the amount of {$1300.00} and mailed it. On XX/XX/2023, I noticed the check I wrote was cashed for {$4400.00} to a different payee name. I pulled up the image of the check on the Bank of America , N.A . app and saw that my check had been fraudulently altered in the amount, date and payee name. I called Bank of America 's fraud department ( XXXX ) on XX/XX/2023 to file a report. I was given a case number ( XXXX ) and informed to file a police report. On XX/XX/2023 I received the claim forms from Bank of America. On XX/XX/2023 I filed a police report, filled out the claim forms for Bank of America, and mailed the forms with the police report case number to Bank of America. 

On XX/XX/2023 I called Bank of America status department to see if the forms had been received. I spoke with XXXX in Maryland and I explained my financial situation that I could not afford to cover this check. Her response was it would take 60 to 90 days to hear a resolution. 

On XX/XX/2023, I called Bank of America again and spoke with XXXX in Arizona. She said it had only been 20 days and would take 60 to 90 days to hear a resolution. Again, I explained that I have medical expenses and can not afford to wait the full 60 to 90 days. She said she would put in the system to escalate this case to be handled quickly. 

On XXXX XXXX, I called Bank of America status department to check status of the escalation. I spoke with XXXX in XXXX and she said there was no notation of an escalation on my claim. XXXX said she was entering a complaint to expedite this claim. 

As of XX/XX/2023, there has not been any response from Bank of America , N.A . on my claim. I have had to rewrite the original check that was fraudulently altered, I have medical bills coming on top of my regular monthly bills due, and I don't feel Bank of America is handling this in an acceptable manner. I caught the fraud within 2 business days and Bank of America can't handle this for 60 to 90 days? It is not understandable why this can't be expedited when they have all the information requested.