23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I don't know how many times that I have to explain to Transunion that this debt from XXXX XXXXXXXX NO LONGER BELONGS TO ME! THAT VEHCILE WAS TOTALED AND I PAID THE REMAINING BALANCE THERE IS NO WAY THAT THIS CAR IS POPPING BACK UP AS VERIFIED WHEN THE DEBT HAS BEEN PAID YEARS AGO! THIS IS DEFAMATION AND I AM DEMANDING REMOVAL IMMEDIATELY!XXXX I'VE REPORTED TO YOU GUYS THAT MY IDENTITY HAS BEEN STOLEN FROM ME I HAVE NO ACCESS TO MY SOCIAL SECURITY CARD. THERE HAS BEEN ACCOUNTS SUCH A MOBILE LANDLINE WHICH IS XXXX XXXX ADDED ON MY REPORT THAT I'V E NEVER OPEN. I AM A VICTIM OF IDENTITY THEFT. I AM DEMANDING AN ACTIVE INVESTIGATION TO TAKE PLACE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 XX/XX/year>, XX/XX/year> and XXXX XXXX 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. 


XXXX XXXX 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: Debt collection

On XXXX the XXXX of 2017, I was contacted by southwest credit systems regarding a debt the XXXX XXXX XXXX claims I owe them but as I have stated in previous claims, I do not owe because XXXX XXXX XXXX broke FTC law by making promises that caused me to make decisions that they refused to honor and they are violating the FTC law by trying to collect on this debt before the FTC has even finished their investigation. I will say to this company as I have said to the previous, this matter is being prepared to go to court if need be, since they refused to honor their own employees guaranties more than once, XXXX XXXX XXXX broke this contract and if anyone owes anyone money, they owe me for the termination and the time I am having to take to deal with this issue. This matter has gotten so far out of hand that I have even had to contact my senator, The Honorable XXXX XXXX in hopes of resolving this matter. This letter will service as an official Cease and Desist letter and any more attempts by this company to collect this debt, written, call, credit reporting, or any attempt not mentioned will result in legal action. I have made an attempt through the FTC to talk to XXXX XXXX XXXX as long as I could record the call and have a witness present and to this day they have refused, they have refused my offer of recorded third party mediation as well. I offered both of these as well as filing complaints with the FTC, FCC, Senator XXXX XXXX XXXXs office as well as the Consumer Financial Protection Bureau and all the company has done is send collection companies after me. This should be illegal and as I mentioned, Southwest Credit Systems choose to be in the debt collection business, it is not my fault that the companies they deal with do not provide them with full information of a case. Any communication other than one saying that they will be closing the account will be responded to by both of my lawyers and I will not be paying their fees.
Product: Student loan

On  X/XX/2017    I calle d Navient inquiring  about a notice that was posted to my account regarding 'no longer earning the 'Smart Reward benefit ' due to not receiving payment on time. However, I have paid the agreed upon amount every month to be qualified for the  'Rate Reduction Program '.   The phone record is as follows :  XXXX / XXXX /   2017  @   XXXX   XXXX   - Call last ed 6 mi nutes and when being transferred the line was dropped on  Navient 's e nd.      X/XX/2017    @  XXXX  - Call lasted  4  minutes, I was transferred by the automated recording to the same women as the  XXXX  call. She proceed to apologize for losing my call and transferred me again. Call was dropped again.      X/XX/2017    @  XXXX  - Call lasted  16 min utes. I was transferred to the  'Collections Depa rtment ' via the automated recording. I read the noticed that I had received on my account regarding the 'Smart Rewar d Benefit ' noting that Navient had not received payment on time. The women was unable to identify what the 'Smart Reward Benefit  ' was and I was placed on hold. When she returned to the phone she informed me that her supervisor was also unable to identify what the 'Smart Rew ard Benefit ' was and the effects it had on my loans. I requested to speak to a department that was able to provide me with further information regarding my loans. I was then informed that Navient was unable to transfer me and all they could do for further information was issue a request and I need to call back in 5-7  business days.
Product: Money transfer, virtual currency, or money service

I got a phone call said they are XXXX and that there was a phone number registered with my information thats been sending scam messages. They asked me to report to the XXXX police because the phone number was purchased in XXXX. I was then transferred to XXXX police. While I was reporting the case, they said I was a suspect of the fraud case they are investigating and they need to arrest me back to XXXX unless I bail myself with money. I then wire transferred {$180000.00} from my Bank of America account to a XXXX XXXX XXXX. I also told BoA that I was sending money to my family based on the instructions of the XXXX police
Product: Checking or savings account

Early this year I have opened a checking account with Truist on XXXXXX/XX/XXXX. I deposited 2 checks with them from my employer. One was on XXXX  and on XX/XX/XXXX. They proceed to closed my account to due fraud. The checks were real, Ive submitted proof that the checks were real and it is for me from my employer. Even my employer spoke with them but they are keeping my money and moved it to a recovery account. Due to this I was evicted from my apartment and was homeless and pregnant. I submitted proof on XX/XX/XXXX ( pay stubs ). Went to the branch XX/XX/XXXX. Sent in pay stubs again on XX/XX/XXXX. Communicated with someone via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Sent in statement authorization on XX/XX/XXXX from my employer from XXXX. Again on XX/XX/XXXX. Had my Chief of Financial helped me on XX/XX/XXXX. Sent in documentation with letterhead from him on XX/XX/XXXX. Again on XX/XX/XXXX and again on XX/XX/XXXX. Asked for an update everyday since. No answer from truist.
Product: Debt collection

I was denied credit from XXXX XXXX. Upon review of my consumer report, there is a medical collection on my report that should not be there. The account is the result of an on the job injury. I was hit in the face by a crane at work. This is an workers compensation claim. I am not the guarantor nor responsible. Cease and Desist attached.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Cease and Desist Order Against XXXX XXXX XXXX XXXXXXXX XXXX ), Equifax, XXXX, and XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX ( XXXX XXXX  ) for multiple violations of federal laws and regulations, as well as against Equifax, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX XXXX continued to furnish information related to my account to Equifax, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ).

FurthermoreXXXX XXXX XXXX unlawfully attempted to collect on a discharged debt ( with an EXTREME level of collection phone calls ), which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines . This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C in which I personally filed for XXXX XXXX. 

Moreover, XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by Equifax, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to Equifax, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX, Equifax, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission XXXX XXXX XXXX XXXX file no. XXXX ). 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
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. 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 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

Companies have failed to do 6801. Protection of nonpublic personal information ( a ) Privacy obligation policy 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. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

Financial institutions covered by the XXXX XXXX must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. I have no prior notice written or verbal notification from XXXX Transunion XXXX that information was being placed on my file. I was not given notice. If so, Please provide every notice and agreement immediately. You did not make legitimate attempt to notify me of debts be fore place them on my credit reports. 
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Please provide with in 15 days of the information and documentation and process that was used to valid this information.
Product: Debt collection

Originally contacted on XXXX/XXXX/16 from a man claiming to be XXXX XXXX from XXXX XXXX. He said I owe a debt to Central Business Funding in the amout of {$2100.00}. He said if I do not pay this debt with in 10 days he will have no choice but to take legal action against me. He said that he will attach my bank accounts and my pay. He also stated that I would have to pay all legal fees. This company has to date sent me any kind of written notification except in an email. I asked for them to send me verification in writing that this is in fact my debt. I have not received anything. On XXXX/XXXX/16 I again received a phone call and an email from this company.
Product: Mortgage

After reviewing the falsified documents provided to me from Select Portfolio Servicing INC thus far, we conclude that they nor the Trustees have a legal right to be servicing/foreclosing/collecting on my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out regarding Account XXXX. I dont assume ownership of this account but Im an effort to get it resolved I submitted a settlement letter. I was advised that this company no longer owns/manages this debt therefore they should remove the collection from my credit report with all 3 credit bureaus.
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 which violate the ( 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 requirement 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 violations.
Product: Credit card

So on several occasions I was over charged on purchases that I did make and disputed and got denied. I not only closed my chime account but Im also owed money back and they keep saying there isnt an error. How isnt there an error if they cant see the two {$300.00} reversals from enterprise on XX/XX/XXXX and XX/XX/XXXX followed by another {$480.00} twice once on XX/XX/XXXX and on XX/XX/XXXX but then they took the {$460.00} back and on my statements none of the three times the card was charged shows up on my statement on XX/XX/XXXX XX/XX/XXXX as well as on XX/XX/XXXX. Where enterprise says and sent proof of the {$300.00} reversals as well as receipts showing what exactly was charged on exactly what days. Chime has yet to show or prove anything to me but they cant be trusted and I deserve my money!! XXXX charged my card {$460.00}, on XX/XX/XXXX but instead CHIME charged my card {$1300.00}!!
Product: Debt collection

Creditors Collection Service , Inc. CCS holds several accounts for collection of unverified medical amounts listed in my name. 
In XX/XX/2021 I mailed debt disputes on these accounts requesting detailed accounting for all of the debts they have listed which are in question. After more than 60 days I have not recieved a response to my letters. In the past they have sent a one page letter that shows their account numbers and the amouts that are in question with which it is impossible to determine if they are my debts and the accuracy of these accounts. I needed more information but they refuse to give me any information at all yet they continue to report these accounts to the collection agencies. 

Address XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Va. XXXX Mailing Address XXXX XXXX XXXX XXXX, Va. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting my ex-husbands birthday which is XX/XX/XXXX and mine is XX/XX/XXXX. They also are reporting over a dozen addressed i never lived at.
Product: Bank account or service

I stopped payment on a check before it was cashed, 2 days later it was presented to PNC, they cashed it against my account, which I am not too happy about. They stated that if you do not stop payment on a check three days before it is presented for payment, then the check can be cashed. 
I was a manger in many banks for 23 years, I never ever heard of such a regulation. If the payment was stopped, it was stopped, and now with XXXX checks are cashed XXXX, so how can it be that it is three days before the check clears.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$46000.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$31000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, and XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. to this day 90 days later. I have not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored and not taken seriously. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report i has been 30 days so these items should be deleted. Ive been patient and Ive sent multiple letters giving them time to respond.I demand these accounts be deleted immediately or I will file for litigation due to the stress I have been caused. Also, my information was also impacted by the Eqifax data breach and may have gotten into the wrong hands.
Product: Debt collection

This account is reporting negatively on my consumer report and I have no knowledge of it. I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. I am only XXXX XXXX XXXX and This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.