23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Aqua Finance is committing fraud. I had an account with this company over 8 years ago. They installed a water softener in a residence that I lived at. payments to this company were made for three years. due to an extreme hardship loss of work I lost this residence to the bank to include items in the residence. Aqua finance was listed in the court documents given a time limit and was notified to pick up there property. 

I am currently trying to clean up my credit and found out that Aqua Finance is deliberately and intentionally committing fraud. 
what they are doing exactly is manipulating the credit reporting system by claiming my account has changed or shown activity when it has not for over seven years. For example I was recently informed by XXXX that my account with aqua finance changed from a collection status to 120 days late which is fraud. no type of payment arraignments or status has ever changed on this account since 2005.This happens every month which will not allow the account to ever show inactive. what this does is never allow the debt to age properly allowing the consumer to remove the debt., all three bureaus will have proof of this fraud am sure I am not the only one this is happening too.
Product: Credit reporting or other personal consumer reports

I requested my consumer report From EWS, LLC on their website and received the report. Noted several errors and information that had not reference point/legend for explanation. 
I sought information on their site for the placement of a Freeze, as my credit union ( XXXX XXXX ) had just finally verified personal and financial information was breached during the XX/XX/XXXX cyberattack/ransonware. 
I could not find the information I was looking for and upon calling the " XXXX '' number, I was informed that " ESW, LLC is not required to comply with Freeze requests ''. WHAT..?! 
How is this allowed? This absolutely unacceptable and therefore, I am demanding CFPB compel Early Warning Services , LLC AND their umbrella of companies be instructed to comply with ANY and ALL freeze requests.
Product: Bank account or service

USAA Federal Savings Bank has tried to get in touch with me with this letter dated XXXX XXXX 2016. Then on XXXX XXXX 2016 I get a second letter about my checking account. I have not been able to get into my checking account for many months now. I have sent in money to cover the {$34.00} amount that was not paid. Seems USAA returned that payment I sent in on XXXX XXXX 2016. Why are they allowed to do this? 
I still feel that the have discriminated against me due to my age as I am XXXX.
Product: Money transfer, virtual currency, or money service

Okay so i Signed up for an App called cash app which turned out to be an great app until yesterday XXXX, XXXX were i noticed i could not use the card that was issused to me fron Cash app. As i looked more into detail on what was going on And i found out that they froze my account without letting me know anything i broke no rules or violations i simply used the app to send and receive money but i followed the rule on how to withdraw money and as i did they wouldnt let me take my money out of the cash app so now i have a problem because all of my money is in cash app and i cant get none of it i tried contacting them multiple times and i never got one anwser i really feel like this very unprofessional like for small business and others who tend to just use the app personally
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that the following inaccurate items be immediately investigated. They must be removed to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within thirty days. 
ALL MY PERSONAL INFORMATION WAS COMPROMISED AND THESE INFORMATION INCLUDE PHONE NUMBERS ADDRESSES PUBLIC RECORDS AND ARE UNDER DISPUTE WITH CREDIT BUREUS THE REST OF THE INFORMATION IS ON FTC REPORT THAT I ATTACHED
Product: Debt collection

On XX/XX/2018 I received a phone call from XXXX from XXXX with Receivable Solutions Specialists , Inc. saying ( 1st phone call ever and never received an invoice of dept ) : " Good morning this message is for XXXX XXXX my name is XXXX calling in regards to a personal business matter. Will you please return the call at XXXX ext. XXXX. Your reference number is XXXX thank you. '' It appears when speaking to them on XX/XX/2018 Supervisor XXXX advise me that the bill was pulled from XXXX XXXX XXXX in the amount of {$31.00} and should have never been acted upon on calling me. I received another call from XXXX and left another message advise me to call her. I call back to XXXX spoke to Supervisor XXXX advise me that the bill was pulled from collection and she will call the billing department to check into this matter closely and send me out a bill in which I never received before. She then threaten me that this will go onto my credit report. This bill was paid and I should not own any other dept from an automobile accident. Why did it take them so many years to contact me about a {$31.00} bill that the auto insurance company has taken care of. Please look into this matter because it appears to be threatening to me for someone who tells me that this will damage my credit rating and as a consumer I was not advise of this bill until XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) Name ( s ) and Number ( s ) : Record type : Public Record : XXXX  XXXX bankruptcy dismissed ; Reference number : XXXX, Account name : XXXX XXXX XXXX XXXX ; Account number : XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX XXXX, Account name : XXXX XXXX ; Account number : XXXX, Credit Bureau : XXXX Account Name : XXXX XXXX Account number XXXX XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Within the provisions of the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized the paramount importance of consumer reporting agencies fulfilling their obligations with fairness, impartiality, and utmost respect for the consumers privacy rights. Recognizing XXXX, XXXX, and XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to protect my private information. This right is bolstered by 15 USC 6801, which mandates that financial institutions uphold customer privacy. XXXX, TD Auto Finance, and XXXX XXXX fall within the definition of a financial institution under this statute. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report only upon receiving written instructions from the consumer. XXXX, TD Auto Finance, and XXXX XXXX XXXX, XXXX and XXXX lack my consent to furnish this information and are devoid of my written authorization. Any form of consentverbal, non-verbal, written, implied, or otherwiseextended to XXXX XXXX TD Auto Finance, and XXXX XXXX, XXXX, XXXX and XXXX is hereby revoked. Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, XXXX, TD Auto Finance, and XXXX XXXX failed to inform me of this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse information in a report without proper authorization. The account in question constitutes adverse information being reported without my explicit consent, which constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that individuals may not furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX, XXXX and XXXX are evidently failing to adhere to these requirements. Lastly, 12 CFR 1016.7 affords consumers the right to opt-out at any time. Consequently, I am opting out of XXXX, TD Auto Finance, and XXXX XXXX ' reporting services .
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX acct # : XXXX, XXXX XXXX acct # : XXXX, are all in violations 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 USC 6802U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Privacy Act 1974
Product: Debt collection

Subject : Immediate Removal from Consumer Credit Report Dear Absolute Resolutions Investments , LLC, I acknowledge receipt of your response dated XX/XX/XXXX. While I appreciate your efforts to resend the validation documents, the issues I raised remain unresolved. To ensure full compliance with federal regulations and to clarify the legitimacy of this debt, I am requesting the following : **1. Proof of Debt Ownership : ** Please provide documentation confirming that Absolute Resolutions Investments , LLC is the legal owner of this debt. This should include : - The sale agreement between XXXXXXXX XXXX XXXXXXXX. and ARI. 
- Documentation detailing how the account balance was calculated. 

**2. Original Contract : ** Please provide a copy of the original contract or agreement that I signed with XXXXXXXX XXXX XXXXXXXX, including all terms and conditions. 

**3. Complete Account History : ** I request a full account history from the time the account was opened until the present, including all charges, payments, and interest calculations. This will help establish the validity and accuracy of the debt amount being claimed. 

**4. Proof of Compliance : ** Please provide evidence of compliance with 12 CFR 1006.34 and other applicable regulations, including proof of mailing for the required disclosures. 

**5. Proper Notification : ** As the previous validation was returned undeliverable, please supply proof of notification, such as a certified mail receipt or any other evidence indicating that I was properly notified of this debt, including my name and signature if applicable. 

**6. Compliance with Fair Debt Collection Practices Act ( FDCPA ) : ** Under the FDCPA, you are required to cease collection activities until the debt is validated. Continuation of reporting this debt to credit bureaus without proper validation is a violation of 15 USC 1692g ( b ). Additionally, any communication that is misleading or not in compliance with the Act is a violation of 15 USC 1692e. 

I would like to remind you of the legal precedent set by XXXXXXXX XXXX  XXXX, 317 F.3d 944 ( 7th Cir. XXXXXXXX ), which establishes that a debt collector must provide sufficient documentation to verify the debt and its ownership. Failure to provide this information may result in further legal action. 

Given the ongoing issues and the need for thorough validation, I am requesting that ARI remove the collection entry from my consumer report immediately. The continued reporting of this account without proper documentation and compliance with federal regulations is a violation of my consumer rights. 

Please address these issues and provide the requested documentation within 15 days from the date of this letter. If the collection entry is not removed within this time frame, I will be compelled to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state authorities, and to pursue legal action to enforce my rights. 

Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution. 

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

I recently submitted an affidavit and disputes, I got a response ACCUSING me of using a credit repair company. I have NEVER used a credit repair company and I dont appreciate this accusation. I demand these fraudulent accounts be investigated and removed from my credit report. I demand a response within 10 days. I also demand these accounts be removed from my credit report in 30 days. If i dont have a response in a timely manner, I will be filing a complaint with the office of the Attorney General.
Product: Credit card or prepaid card

Letter from Capital One on XX/XX/2023 stating a credit card application needs to have some information verified/corrected. I did not apply for a credit card.
Product: Vehicle loan or lease

Someon e one u sed my credit applied for a fraudulent loan with Santander in     XX/XX/XXXX . They 've changed my date of birth with my credit report  XXXX . My former employers have been changed on my credit report. All of my former addresses have been changed. Social Security had to write a query for me with my EIN numbers for my former employers from  XX/XX/XXXX - XX/XX/XXXX . My drivers license have been stolen, social security card stolen.   XXXX   refuse to correct my credit report. They 've allowed someone to place a seven year fraud alert using fraud information. I ca n't provide  an account or loan number. All of my mail was being stolen through The United States Postal Service. Santander refused to speak with me after I did n't give my consent to anyone. Someone called me from Santander.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an email notification from XXXX XXXX that there were new credit inquiries and that my credit rating had severely dropped ( XXXX points ) due to multiple hard pulls on XXXX. Institutions included XXXX, XXXX, XXXX  XXXX XXXX and XXXX XXXX. I contacted XXXX for more information regarding the fraud, cancelled all accounts with XXXX, reported all as fraud, put a security freeze on my credit, and contacted each institution individually to cancel all accounts and prevent any credit cards from being issued. Following that, a Transunion freeze was placed, more credit inquiries were found, and then following that, an XXXX freeze was placed. The other inquiries found were a XXXX XXXX / TXXXX XXXX XXXX  and a XXXX XXXX / XXXX XXXX  credit card as well as an XXXX  XXXX. I have filed an identity theft.gov inquiry with the FTC and requested removal of the inquiries from the reporting agencies / credit report. Unfortunately, I have been unable to reach XXXX buy and XXXX XXXX as their phone directory doesn't allow me to get through since I do not have an account number with them.
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), & XXXX XXXX ( XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

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

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C1681 section 604 A Section 2 : it also States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information. other than records of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I was missing a couple of checks that I sent out to pay some of my bills. I checked XXXX and the water company and they have not received my payment yet. After noticing the missing checks, on XX/XX/XXXX, someone from Wells Fargo called my phone and stated that there is suspicious activity in my account. She asked if I withdrew money, which I did not. 
Once I got the call, on XX/XX/XXXX, I went to the bank to report the suspicious activity. I then told them that I am missing the checks. The banker said to change my checking account number and open a new one. I closed the old checking account number and thought everything is done. However, on XX/XX/XXXX, someone successfully took money from my new checking account. In total, they stole {$17000.00} ( checkings and savings ). The banker was also confused because the checking account is new. I went to the bank again to file a complaint and the banker documented everything. He was very helpful to me.
Product: Checking or savings account

On XXXX/XXXX/24 I contacted Credit Karma about withdrawals from my account I did not do. They froze my account and after a few days got my money back into my account. As of making this post ( XX/XX/scrub>/24 ) I still have not had my account un-frozen. I was told that I was waiting on an email for supporting documents from myself. I uploaded all documents requested and have still not received any word back. I have called multiple times and been told to wait for a response back and that I would have to update information i.e. change my password and email linked to the account. The support team sent me an email to update my linked email and never updated the linked email. I had to figure out how to update all of my linked info myself. I called the fraud department and told them that all of my information had been updated and I would like my account unfrozen. They still insisted that there was nothing they could do and to wait for an email back. Today I called again and got told I could not speak to the fraud department due to technical issues. After asking for a supervisor he told me that he could get in contact with the fraud department and did. But after talking to the fraud department informed me they could not help me and that I would have to wait to be contacted via email. The support team/fraud department has ignored me and refused to give me any updates on unfreezing my account.
Product: Debt collection

I have a company by the name of CREDENCE RESOURCE MANAGEMENT on my credit report attempting to collect a debt that I am unaware of. I did research on this company on the NLMS consumer access website and this company does not have a license to collect any debt from Louisiana consumers and that is illegal According to Louisiana State Law Title 9 - Civil Code-Ancillaries9:3534.1. Collection agent ; registration ; assignment of debt to collector. ( B ) B. Any collection agency or debt collector doing business in this state shall register with the secretary of state. The secretary of state shall promulgate rules and regulations necessary to provide for the registration required by this Section. Debt Collection Liscensing Act states this company is violating section 1850 ( b ) and Section 1850 ( a ). I am attaching a copy of the report of this company not having a license in the state of Louisiana. They have also violated FDCPA section 807. FDCPA section 809 allows me to request validation of this alleged debt. I am requesting a original contract bearing my signature, a Audit Trail of this alleged debt. I am also requesting this company to submit a License to collect in the state of Louisiana. I have attached all supporting documents and will be making a report with the FTC, XXXX, and attorney general XXXX XXXX. I have attached Louisiana state law. requirements by Attorney General XXXX XXXX and this company not having a legal license to collect on the XXXX website. They are engaged in fraudulent erroneous practices. I have attached ftc report number # XXXX, complaint with Louisiana Attorney general and will be filing with the XXXX.
Product: Checking or savings account

on XXXX XXXX went to atm machine, withdrew XXXX somehow got distracted and debit card was replaced with a different card, got home and discovered switched card, contacted bank security ( claim # XXXX wells fargo bank ) .Just received letter turning down my claim as it must have been my fault.
Product: Credit reporting or other personal consumer reports

This creditor has engaged in abusive, deceptive, and unfair practices prohibited by the Fair Debt Collection Practices Act ( FDCPA ). According to 15 U.S.C. 1666b, the issue in question constitutes a billing error because I did not receive a statement XXXX days before the alleged late payment. Additionally, under 15 U.S.C. 1605 ( a ), if a finance charge is included, there should be no late payment fees, as the finance charge covers the sum of all charges. Therefore, I should not be penalized for something that has already been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Im requesting from Capital One Any agreement or contract between me or XXXX XXXX XXXX For the account XXXX XXXX XXXX XXXX Or to remove this negative account from my credit report immediately XXXX XXXX XXXX is unknown to me and I dont have any agreement with the company