23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm having financial hardship and I called to see If I could settle both of my debt accounts but the problem is that I'm being put to be handled on the Spanish department over the phone and I don't Speak Spanish that much to be honest, I'm guessing that they put me there because of my name which I understand the confusion but I'm not so fluent with Spanish to be honest, I understand the mistake that they made by placing me on the Spanish Department but when my husband was speaking with them he asked to be transferred to a domestic representative for some reason they keep trying to change the topic and not do our request by bringing something else up and trying to avoid our requests, at one point we had to tell the consumer service agent to take us to a local representative three times after she kept saying that she will transfer us to the Spanish department and so she tried which made my husband mad because we had been trying to contact with them for about an hour and we felt like they did not tried to cooperate with us and where just giving us excuses, that made us not want to deal with them no more, and even if they were to speak English I would not feel comfortable speaking with them. 

Also when we first called to a domestic representative we were told that my file had a Spanish code on it so only the Spanish department could access my file which is the main problem of this complain, We where also told by the Spanish representatives that that code had been already taken off but when we call a domestic representative for some reason they say that the code is still there and because of that they can't access our file and help us and I feel that they're trying to keep us on the Spanish department for some reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX {$0.00} XXXX {$520.00} XXXX  XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$4700.00} XXXX {$1100.00} CREDIT XXXX {$900.00} XXXX XXXX {$660.00}
Product: Mortgage

My Insurance company sent me a check for disaster repairs from storm damages. The check was made out to myself as well as needing endorsement from the mortgage company. The check was very clearly labeled as " For deposit only onto actt XXXX  ''. My checking account. The mortgage company decided to seize the deposits and hold them from me in their account stating that it's because the loan was delinquent. At the time I sent them the check for endorsement, my mortgage was paid in full and not delinquent. They just decided to steal my insurance payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Kay Jewelers is reporting a debt on my credit file that I need removed. I have called multiple times to them and their third party XXXX and every time I call they said they can't find me in the system. However, the continue to report this debt on my credit file and I do not owe it. At this time I am asking that Kay Jewelers send me validation of this debt. I am requesting proof that I am the party you asking to pay this debt and that there is some contractual obligation that is binding on me to pay this debt. I am not requesting for verification but validation. I will also inform you that if you continue to report invalidated information to any of the three credit bureaus, this might constitute fraud under both federal and state laws. IF any negative mark is found or continues to report on my credit I will have no choice but to contact the Attorney general of my state and consult for legal suite .
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : # XXXX. 
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 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 convictions 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: Credit card or prepaid card

I made internet purchase with internet broker and canceled it within 24 hr. 
The purchase transfer was officially canceled and confirmed in writing by the tickets supplier, while my credit card paid the broker for item that was never send. 
I complained about the transaction with Capital One, yet after some investigation they refused to assist me with the claim base on broker " all sales final '' sale policy. 
Such policy violates Federal Trade Commission laws and even Capital One manager acknowledged knowledge of such law, she refused to enforce it, helping the broker to take money for items never delivered.
Product: Debt collection

It started with a emailmessage from a XXXX XXXX to XXXX XXXX A message from Paypal Helpline - XXXX You authorised a payment of {$690.00} USD to ( XXXX XXXX Thanks for using PayPal. Please check the complete transaction details below. 
If you havent made this purchase call PayPal immediately at " XXXX to report and block this transaction. 

So I called the above number and denied this transaction they asked me type in an address in the browser so I did the next message was to type in a code so I asked about a code they gave me one to type in as soon as the code was typed in I lost control of my computer no matter what I did to this day XX/XX/XXXX they still had control of the computer they would not tell me what they doing they said they were transfering the {$700.00} into the bank account XXXX to cover the {$690.00} with-draw-al from the account but insted of {$700.00} a typo was made to {$7000.00} and so now te account showed a balance {$7000.00} so now they wanted their money back but they could not make the reverse transfer work. So they had me go to XXXX XXXX and get 7 Gift cards at a {$1000.00} apiece which I did and charged them to my XXXX credit card Today XX/XX/21 they called and wanted me to go to the bank and withdraw {$21000.00} in cash and mail the money to them but I refused to do so the conversation was some what heated. Later on I tried to get to the consumer finance.gov address but they closed down all the address tabs and locked the computer so I shut computer off and took the computer to the computer shop where it is now for a cleaning and a fresh reload of XXXX XXXX. The people I was talking to, probable were not people representing Pay Pal. Who knows, They had me believing i was doing the right thing that they do these procedures all the time. I went to another computer so i could look at my bank accounts, with out being interrupted, and saw that they did not transfer any money into the bank account, they just moved some of my money, from one account to another to make it look like they deposited money into the account that they claimed to have charged to and then wanted the gift card information to get the money they claimed to have deposited.
Product: Checking or savings account

We have been trying to sell off assets of our deceased grandmothers estate, to which we are the executors. Simmons bank required us to spend money and submit documentation outside of the scope of what was appropriate or legally required by law. They refused to do business with us unless we provided and paid for a new title ( as is not required by law ( ( according to our attorney and a slew of tag agencies. ) They were incompetent- did not return phone calls, and essentially held our vehicle hostage until we provided them documentation. 

Is there anything we can do to complain about the incompetence?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX, Account # XXXX, amount {$830.00} 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, also states a consumer reporting agency can not furnish an account without my written instructions. 

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act has violated my rights. 

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

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Attorney general XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX Texas XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. it shows one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XXXX XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to XXXX  explaining that I am a victim of identity theft and the bankruptcy reporting on my credit file is not mine ; supplying evidence and documentation. However, XXXX responded that the information was verified as accurate through Lexis Nexis. I have had my information suppressed with lexisnexis however, XXXX  refuses to remove this fraudulent account from my credit file in accordance with Section XXXX B of the FCRA.
Product: Debt collection

XXXX XXXX XXXX for XXXX XXXX sends me a letter XX/XX/XXXX stating they are suing me for a debt that judgement was made against me back in XX/XX/XXXX. I wrote them and asked them not to contact me again and I looked on the XXXX XXXX circuit court and they resubmitted something to the courts recently with an incorrect date of XX/XX/XXXX trying to re age the debt that has exceeded statue of limitations. XXXX XXXX kept telling me they had no record of what I was talking about and this has been removed from my credit report. I was fired from a job in XX/XX/XXXX because they tried to garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX and on XX/XX/XXXX I saw on my trans union XXXX report. On XXXX and transuion XXXX credit report. They have inquiries that are due to identity theft. Trans union inquiry is XXXX XXXX. On XXXX  is 2 inquiries one from XXXX XXXX XXXX and from XXXX National credit card cos. These inquiries was not done by me. Also XXXX  has XXXX inquiry. These need to be taken off. Not done by me. Its identity theft. Also On XX/XX/XXXX. I reported to you XXXX  ... XXXX this Today XX/XX/XXXX I went check my credit report as I do monthly. I found 1 inquiry from XXXX. 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. XXXX XXXX XXXX XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft. As of today yes its still on my credit report!! So XX/XX/XXXX its still on here ... XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. XXXX XXXX XXXX XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. these 4 accounts need to be taken off my report its identity theft. This creditor needs to stop changing collection agencies. To try to get money out of me when it identity theft. This credit was notified in XX/XX/XXXX.  That these accounts are identity theft. The creditor refuses to stop trying to charge me. They keep changing collections agencies. Still shows up months to a year later with the same amount due. This is wrong and illegal! take this off block it
Product: Debt collection

Never recieved any notices about this alleged debt. They are also not licensed in the state of Florida to collect on the alleged debt.
Product: Debt collection

DCM Services has phoned 2 times requesting information regarding the executor for my brother-in-law 's estate. I asked them NOT to contact me after the first phone call and they did so again this morning
Product: Credit reporting, credit repair services, or other personal consumer reports

this company should not be reporting this on my consumer report. they never told me i had the option to opt out for having my information shared to the XXXX XXXX. i been reading consumer law and they breaking a lot of laws. please see attachment.
Product: Credit card or prepaid card

Credit Karma is always offering me Credit Cards on their application! They say I have good or excellent approval options but when I apply I am refused! This has caused many unnecessary hard pulls on my credit report! They have damaged my credit with these mis-leading advertisements.
Product: Money transfer, virtual currency, or money service

This is involving cash app I would have random transactions sent to random accounts all amounts being small but frequently that is Added to a lot
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation of Inaccurate Reporting by Experian Dear CFPB, I am writing to formally request your assistance regarding an issue I have encountered with my credit report from Experian, which I believe violates the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

I have noticed that my Experian credit report inaccurately states that I have XXXX account with late payments. This information is incorrect, as all of my accounts are in good standing. Under Section 623 of the FCRA, a furnisher is prohibited from reporting inaccurate consumer information to a Credit Reporting Agency ( CRA ). Therefore, I kindly request that you investigate this matter. 

Additionally, I will be uploading my Experian credit report for your review, which clearly demonstrates that all my accounts are current and in good standing. I ask that you take the necessary steps to have this incorrect information removed from my file. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Debt collection

In accordance with the Fair Credit Reporting act Scotts & Associates File # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.
Product: Debt collection

On XX/XX/XXXX, upon review of my credit report, I noticed a collection on my report dated XXXX and XX/XX/XXXX. I panicked and pulled out the detailed information of the collection agency which is from Receivable Performance Mgt, LLC ( RPM, LLC ). I sent right away a dispute letter as I have never received any letters from them. The certified mail was first out on XX/XX/XXXX. I have not received any letter back. I again sent a request letter for validation of this debt on XX/XX/XXXX and requesting them to delete the negative report. On XX/XX/XXXX ( this was dated XX/XX/XXXX on the letter ) I received a bill from them with no proper validation of the account they are reporting. Reporting this without prior notification and showing the validity of the debt on my behalf is a violation of my right under the FDCPA. 
These are the violations the RPM, LLC made. 
The RPM, LLC did not properly notify me before reporting the debt. 
The RPM, LLC upon request of validation of the debt, did not provide me the debt information ( amount, name of the creditor ) within 5 days ( if they contacted me ) and 30 days from receipt of my dispute letter that I discovered from my report. 
The RPM LLC never provided me enough information about this debt upon request within 30 days before reporting it to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX  has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( 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 which i was not given.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sent via Certified Mail - Return Receipt Requested Re : Account Number XXXX - DEMAND FOR XXXX AND IMMEDIATE CREDIT REPORTING CORRECTION To Whom It May Concern : I am writing regarding account number XXXX which your company has charged off as a profit loss. Your company is currently reporting an outstanding balance on my credit reports despite this charge-off, and has failed to provide the required IRS XXXX XXXX ( XXXX of XXXX ). 

This constitutes a serious violation of both tax law and the Fair Credit Reporting Act ( FCRA ). Under 26 CFR 1.6050P-1, you are required to file Form 1099-C with the IRS and provide me a copy when a debt is discharged. Additionally, reporting a balance due on a charged-off account violates FCRA 1681s-2 ( a ) regarding accurate credit reporting.

IMMEDIATE DEMANDS : 1. Provide a copy of the IRS Form XXXX for this charged-off debt within 15 days 2. Remove all references to any outstanding balance from my credit reports within 48 hours 3. Provide complete documentation showing : - The original debt agreement- The date of charge-off - The amount reported to the IRS as discharged - Proof of proper IRS filing Your current actions constitute : - Violation of IRS regulations regarding debt discharge reporting - Violation of FCRA regarding accurate credit reporting - Potential tax fraud by failing to properly report discharged debt - Consumer fraud by attempting to collect on a discharged debt If you fail to comply with these demands within 15 days, I will : 1. File a formal complaint with the Internal Revenue Service 2. File complaints with all three major credit bureaus 3. Submit a complaint to the Consumer Financial Protection Bureau 4. Initiate legal action seeking statutory damages under FCRA 5. Pursue additional damages for : - Willful non-compliance with federal regulations - Tax reporting violations- Emotional distress - Damage to my credit standing - Legal costs and attorney fees Under FCRA 1681n, willful non-compliance can result in : - Actual damages - Statutory damages of up to {$1000.00} per violation - Punitive damages - Attorney 's fees and costs This letter serves as your final opportunity to correct these violations before legal action commences. All future communications must be in writing only. 

Sincerely, XXXX XXXX XXXX : TransUnion, Internal Revenue Service Attorney General 's Office XXXX  Department of Justice, Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I pulled up a copy of my credit report and notice unauthorized hard credit inquiries on my credit report. 
I then proceeded to call the credit reporting company to have that inaccurate information removed. They then told they cant do so and that I have to dispute it through the mail.