23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX XXXX XXXX was entered into a credit inquiry transaction that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web.I have contacted Equifax about this issue on the phone and the employees were very rude to me. I asked to speak to the supervisor and the supervisor made me aware that she had no knowledge of the FCRA Laws even though Equifax is supposed to abide by the FCRA Laws. after I stated the laws to the supervisor, she then hung up on me in an attempt to evade the laws and do the right thing by removing this inquiry. I also faxed in all these documents that I attached to this complaint to Equifax and they have yet to respond.Having this False and misleading inquiry reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my son. I am a single father and my son looks up to me, so I wan na show him that I can buy a house for him because he deserves it. I ask that you please remove this false misleading inquiry from my credit report so I can began to repair my credit and eventually get my Son a house. please resolve this matter quickly. XXXX  XXXX XXXX  XXXX gave my hard inquiry information to Equifax knowingly without my written consent, they violated 15 USC 1681n ( b ) .My consumer rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I would like to request a security freeze placed on my report and request a PIN Code. I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Product: Checking or savings account

So I have an account with chase bank in I recently had a XXXX transfer from a friend that owed me money a XXXX  and XXXX days past and the individual went and disputed it with their bank, knowing the fact that this is a valid charge the individual went and disputed it with there bank, saying it was fraud. This is not a fraud charge. This is a complete valid charge. This person knows me and owed me the money. Im really confused on why this individual went ahead and disputed it now I have no access to my funds for my account. I keep on calling Chase to see if theres any way possible to have access to my phones and they are telling me. I just have to wait until the dispute is completed on the XXXX business day. Im just really XXXX  because I have no access to my funds and my check is getting deposited to my account and I feel like he is not helping me out at all trying to have access to my phones. All Im asking is for some kind of resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT CREDIT CARDS USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am told by equifax that I am a potential victim in their security breach. This improper protection of highly sensitive data opens me up to possibility that may include identity fraud, unauthorized credit usage, and unauthorized access to personal documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and address is incorrect on my credit report. My correct name is XXXX XXXX XXXX XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX PLEASE DELETE ALL ADDRESSES, I HAVE NEVER RESIDE AT THESE LOCATIONS : XXXX XXXX XXXX FL XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX FL XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX AV, XXXX, NY XXXX PLEASE REMOVE THE FOLLOWING NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a business checking account as well as a personal checking account. My phone, wallet and cards were stolen and used without my permission. I contacted the bank, and provided documents and information on the charges to the branch. They never responded. They stated they tried to call me but I never received the call. This could have been before my phone was replaced. I still have not got my disputes resolved. They stated in the previous response I need to provide more info but when I call the customer service dept they dont help me.
Product: Checking or savings account

Monthly fees were charged different amounts on different accounts. I was not spending money or using the accounts as one was an open estate account. Because I was not using these accounts I didnt monitor them until I noticed one disappeared from view, then another went negative. Apparently my banker/advisor is no longer there and my accounts were not bundled even though I had preferred and premier services. 2 accounts went negative and were closed, all accounts had unapproved fees. Ive reached out multiple times and received approx {$110.00} in credits back, Im still fighting with them. Ive lost access to the closed account details and only have access to the statements from the open accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC [ XXXX ] To whom it my concern, The Fair Credit Reporting Act I have learned that your Consumer Reporting Agency has assumed a vital role in providing accurate and fair information to the banking system 15 U.S.Code 1681 ( a ) ( 1 ) the consumer understand the term Consumer Report does not include any transaction or experiences between the consumer ( me ) and the person making the report15 U.S.Code 1681a ( 2 ) ( A ) ( i ).

I the consumer have the right to privacy pursu 15 U.S.Code 1681b ( a ) ( 2 ). Your agency has violated my right to privacy by furnishing private information about me without any lawful author. my written consent.

or I the consumer understand that " investigative consumer report '' Means that your agency has the obligation to hold personal interviews with neighbors, friends, or associates that may have knowledge about any such items in question, However, Your agencies only go off the word of the creditor which is a violation pursuant to 15 U.S.Code 1681a ( e ) Debtor Collectors have practiced abusive practices as stated in code 15 U.S. Code 1692 - Congressional findings and declaration of purpose. I duly request that all collections be closed as they are listed as open. Account can not be validated by original contract or proof that I owe them debt with a signed agreement between myself and debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i sent in a letter certified to all three credit bureau certified mail tracking # for each letter are ( XXXX ) - ( XXXX ) - ( XXXX ) they have violated my rights under 15 U.S.C 1681 section 604 A section 2 the law clearly state a consumer reporting agency can not furnish a account with my written instructions I havent given these accounts written permission to furish these Account on my credit report as well 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Account Name XXXX XXXX Account # : XXXX
Product: Credit reporting

I did call XXXX at that # XXXX, ( per attached file ) according to them ( XXXX ), I have XXXX XXXX XXXX accounts, all of them are according to EquiFax report but this XXXX with " Previous Balance : {$3500.00}. 
The only information from Equifax report that XXXX was able to find out what XXXX XXXX was, it was the opened date XXXX/XXXX/2007 and it is the XXXX XXXX, she reported balance of {$0.00} and was unable to find any " late charges '' or late payments since 2007!!!!!, also as my XXXX Statement attached, report {$0.00} as my present balance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I received a text on XX/XX/XXXX from Truist bank : Truist Fraud : Did you attempt a {$1900.00} purchase on card ending XXXX at XXXX XXXX XXXX XXXX Reply YES/NO/HELP. 
Dont want fraud txtx? Reply STOP I answered No.

-- Then I received a call from them ; I said I never heard of Truist. They person said they will decline the charge and close the account.

-- Later I saw it show up on my experian credit report.

I have never ever had any communication with truist before.

So I reported it to Truist.

On XXXX I received a letter from Truist, when i opened it, it was a statement showing a credit limit of {$17000.00} and was used to the extent of {$16000.00}. 

Charges XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4700.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  {$4600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX tax lien that I have been battling with XXXX and Equifax to delete after the lien has been satisfied immediately through direct paycheck deduction. I have suffered enough through wage and account garnishment. I requested for Equifax and XXXX to furnish me with the phone number of the agency that provided them the information.. I was referred to XXXX County Registry. The registry said they do not report to credit bureau but their records are open to the public. Since the lien has been paid and XXXX wants it to be deleted after satisfaction, please compel these Bureau to delete the record. XXXX
Product: Checking or savings account

Had most of my savings in the XXXX XXXX XXXX Account and noticed I was not receiving the correct amount of interest. Contacted the bank and was told nothing could be done? Closed my account and opened a new XXXX account and then received the proper interest
Product: Debt collection

Please be apprised that LVNV Funding LLC are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. This company completely ignored my validation. You proceeded to completely ignore my validation. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the XXXX mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all XXXX bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " XXXX XXXX XXXX XXXX legally means that you had a duty to speak but failed to do so therefore within the XXXX period, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. 
Thank you for your time Sincerely, XXXX XXXX *Proof of my validation and certified receipt accompanies this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as reporting of fraudulent accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting you to please remove the following items off of my Credit File the sooner the better : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$200.00} 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 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 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 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. PLeas eacomply with the Fair Credit Reporting Act section 605b, and have the disputed accounts and information removed as soon as possible.
Product: Debt collection

See attachment! 

XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Urgent : Compliance with Federal Laws Required for Account Ending in XXXX NOTICE TO CEO, CFO AND COMPLIANCE DEPARTMENT I am writing in response to your communication dated XX/XX/XXXX, regarding the alleged XXXX account with the ending number XXXX. While I appreciate your willingness to cease communications per my request, I believe there are significant legal concerns that require immediate attention. 
Federal law 15 USC 1692c ( a ) explicitly states that a debt collector can not contact a consumer about debt collection without prior consent or express court permission. I did not provide such consent to XXXX XXXX XXXX XXXX ( XXXX ), and this raises concerns about compliance with federal law. 
In accordance with this law, I kindly request documentation that demonstrates the direct written consent, as required by 15 USC 1692c ( a ), for XXXX 's communication with me regarding this alleged debt. 
Furthermore, I am exercising my rights under Federal Law 15 USC 1692c ( c ) to refuse payment of the alleged debt and demand an immediate end to all communication, consistent with Federal Law 15 USC 1692c ( c ) ( 1 ). Confirmation of the termination of all collection efforts and the removal of account ending in XXXX from my credit report is expected. 
I am also deeply concerned about the violation of my consumer rights to privacy under the XXXX XXXX and the criminal activities committed under Federal law 15 USC 6823 ( a ) Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. Your mention of purchasing my nonpublic personal financial information without consent or written authority is alarming. I urge you to provide me the FULL purchase agreement disclosure between XXXX and Capital One bank regarding my personal information for my record in the event I have t file a Federal complaint. 
Given the recent CFPB lawsuit against XXXX XXXX XXXX XXXX, as highlighted In link below https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/ It is crucial that this matter be addressed promptly and compliantly to ensure my rights are upheld. 
I trust that a prompt and cooperative resolution can be achieved without escalation. This letter serves as my final warning before considering legal action to safeguard my consumer rights. I am hopeful that your response will demonstrate a commitment to resolving these concerns in a lawful and fair manner. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account US DEPT ED # 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

I have disputed a bankruptcy being reported on my credit report. XXXX had deleted it upon not being able to verify but Experian and XXXX updates it without deleting. I contacted the courts who stated they do not report to credit agencies being it is a violation of privacy laws. Attached a letter will be included. My consumer rights state you can not obtain information from a third party but rather the original party only. Being I have proof the courts did not supply this information I have a right for removal.
Product: Credit reporting or other personal consumer reports

Subject : Disputing Information in Credit Report.

I am writing to dispute the following information in my file. 

At this time of writing my credit scores reads XXXX ; however looking through my profile it was brought to my attention that XXXX of my debts are not being reported to the credit bureau. 

The aforementioned debt is for a car purchased XXXX from a used car dealership in XXXX, Florida named I GOT CARS. I was approved for the purchase and subsequently made the {$8000.00} deposit I was told the loan was being issued by a company called XXXX XXXX at a 24.04 % interest rate. 

The real issue is that there are no car payment history being reported on my credit portfolio which has proven to be difficult in my quest to get a new car at a better interest rate. 

I have made several contacts with the dealership ( I GOT CARS ) but have not gotten any favourable responses as to why my loan was not being reported to the bureau after making on time payments for upwards XXXX year to date. I have even gone on to explain how unethical these practices appears to be on the basis I am paying back on time the loan at a ridiculously high interest rate. 
Enclosed are documentations supporting my request. 

Ammortization Schedule for car payments Payments made to lender retail purchase agreement partial exemption for motor vehicle sold to resident in another state application for certificate of title Please Investigate this matter and make the necessary adjustments as you see fit as soon as possible. 

Regards, XXXX XXXX The contact information as listed for the aforementioned dealership is : XXXX FLORIDA. XXXX XXXX XXXX, XXXX TX XXXX. TELEPHONE XXXX
Product: Debt collection

They sent a stranger to my apartment constantly trying to give me something. They were dressed in weird clothes. They consistently call my cell phone, I have screenshots when I can get them. They call after hours all the time.
Product: Checking or savings account

I deposited XXXX money orders of {$500.00} each into my Chase bank checking account through a teller on the drive thru window on the XXXX of XXXX. Ever since I have been contacting them multiple times for the credit of my money but till date I have not received my money so that I can use it. Money orders are certified funds and are supposed to be credited the next business day. They always tell me it's a mistake on our end and they are looking into it. It has been more than 15 days since I did the deposit and I need my money so that I can use it. The branch which I deposited my money orders is the chase bank branch in XXXX XXXX XXXX in XXXX XXXX indiana. I have attached a copy of the deposit receipt for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Acct # 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.