23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018, I revived a call from Southern Finance ( XXXX XXXX   ) in XXXX, TN, stating that my lawyer spoke with them stating that Im not fully retained with my bankruptcy and they will continue to do phone calls as they see fit. They first called my place of employment, which is totally uncalled for. Secondly, they tried to get me to come in for an office visit, and thirdly, the manager there was EXTREMELY rude, balatant, and trying to threaten me into paying. Im currently in the process of paying my lawyer fees for the chapter XXXX bankruptcy, but they absolutely refuse to take no for an answer! My lawyer has stated to me to not pay them, to pay him instead. Which is what Ive been doing. The least they can do is cooperate with my wishes and stop using tactics to scare me into paying a debt that is not legally secured. Secondly, they need to stop harrassing me with phone calls and visits after Ive repeatedly told them to stop, because legally, if I tell them not to call me, theyre not supposed to. I just want this resolved and for anyone trying to better your situations, to be aware that these people are predators and will do anything to get your money and meet their quotas!
Product: Credit reporting or other personal consumer reports

Ive called XXXX and chime for XXXX months now they each say the opposite chime says they submitted my payment history and XXXX says they havent looking for a credit attorney at this time Ive tried for XXXX months and called them over XXXX times
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX 
financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is using my name to report information to XXXX, XXXX, and XXXX and they do not have my permission to do so. 

I have a XXXX XXXX, financing statement, and XXXX XXXX filed against my commercial property that Capital One is violating. It is also on public record since XX/XX/2006 that I own all rights to my commercial property not limited to name but also social security numbers, birth certificates, and any state licenses I may hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX  XXXX {$820.00} US DEPTED XXXX {$820.00} USDEPTED XXXX {$820.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Consumer Loan

I took out the loan, but later added it to my XXXX consolidation, and they refuse to quit contacting me. The XXXX company has contacted them numerous times as well, with my power of attorney papers and they still contact me several times a day from many different numbers. EMONEY USa ... never use them
Product: Credit card

Capital One said they derogatory received information reason why they regarding closed all accounts as of XX/XX/2023. 

Reference XXXX XXXX  XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit card ISSUE Closing your account XXXX. XXXX XXXX XXXX XXXX XXXX Capital One XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX. XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Spark Business Capital One
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX  confirmed that they were processing a refund. Up until that time, I had not seen the confirmation from XXXX so I proceeded with a dispute on my Chime " Credit building account '' ( false advertisement ) .I then contacted Chime XX/XX/XXXX XXXX EST B/C XXXX stated it could take 5 BSN days to process.they informed me they hadn't received the refund of {$830.00} & to file a dispute. I consistently sent proof via chat of refund confirmation but chime insisted i contact XXXX then stopped replying. XXXX confirmed the Refund was initiated XX/XX/XXXX completed on the XX/XX/XXXX & chime 's dispute was replied to advising the refund was processed successfully on XX/XX/XXXX. Agent/Disputes Supervisor : XXXX ( XXXX ) kept insisting I give the dispute until XXXX to be solved or have them refund AGAIN.At this point I had apple on 3-way ; they verbally confirmed that chime already had the funds, they had replied to the dispute & there was nothin else they could do. Could this be a Regulation CC violation? They also claim that the credit builder account helps build your credit but the only thing the account does is report my balance as if I owe the balance and not reported as true balance which is just money I deposit/transfer. They say it is like a secured credit card but it did nothing but hurt my credit.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the PURCHASE AGREEMENT to show full ownership of these accounts and also other documents so I May review to see if this is actually an account that belongs to me of these accounts below. 

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

XXXX and Experian have made getting a free, online credit report more difficult in recent years. After entering all required information to receive my report, I invariably get a message that I must contact customer service for my report. However, I can contact them only during limited weekday hours, and my calls seldom get through after long wait times. Experian all but compels consumers to ask for paper copies of credit reports, because they no longer allow me to receive and download digital copies. Getting my free credit reports from these two agencies was not a problem prior to 2018, but they now require consumers to jump through multiple hoops to get what was previously easy to obtain. Enough!
Product: Credit card

My credit card account information, which I learned in Fall XXXX. Someone attempted to charge to the account and attempted to login to the account. WellsFargo identified the false charges but could not/would not address the unauthorized login attempts. They have had security breaches in the past including an employee who stole account information. I am trying to determine what of my personal information was stolen so that I understand what steps I need to take to protect my identity.
Product: Credit card or prepaid card

I received a letter dated XX/XX/2023 that my account ending in XXXX was closed due to inactivity. Barclays was supposed to send me a new credit card in the mail that never came, so I'm unclear how they expect me to use a credit card and be active if they haven't sent me a credit card in the mail to activate. I received the letter today XX/XX/2023 in the mail telling me my account is closed due to inactivity and I would like to dispute this closure and demand the company to reopen my account. I am requesting this because it is clear in their records that the credit card that they attempted to send me in the mail was never activated, therefore it can not be confirmed that the card was in fact received by me. If a card is not received it can not be activated for use, therefore I can not be liable and held accountable for inactivity. I am demanding that Barclays mail me a new credit card in the mail and allow me to activate it and use it after reopening my account. I am also demanding that Barclays allow me to get access to all my statements on this account from the date of account opening. It is my understanding that this account was opened less than 5 years ago, so Barclays should still have all the statements for this account in their archive to send over to me. I am requesting all statements dating back to the first statement to be provided to me for review. I am hopeful that Barclays will resolve these matters to my satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED CREDIT INQUIRIES : XXXX Inquiry : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, 2019 Bank  ( XXXX ) XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX  Inquiry : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, 2019 Bank ( XXXX ) XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2019 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX FACTUAL DATA Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX
Product: Debt collection

In response to claim number XXXX where employees at Toyota Financial Services responded . The employees who responded has no first hand knowledge of who signed what contract simply because they were not present. They would would have to be put under penalty of perjury if they are stating that they were present at the dealership, otherwise I have the recording and evidence which proves that such contracts are in fact unconscionable. Employees at XXXX XXXX did not provide full disclosure of how they got paid off of my investments and that they were advertising that they provide loans. Furthermore, they did not advertise that they are converting real Men and Women into property by using a XXXX XXXX XXXXXXXX XXXX XXXX Language which is not English. They are telling customers that the contracts do not exist just by the language they use and therefore a customer who knows how to read can only agree that such contracts written in this foreign language is fraudulent from its inception. They are willfully deceiving shareholders. Employees went a step further to say that legally they do not have to validate the debt when legal is the undoing of Law and by operation of law they are required to validate all debts where a company employee has made claim they a debt is owed. The only time employees at Toyota Financial Services would not have to validate the debt is if the debt was already paid pursuant to 12 code of federal regulations 1006.34 section ( 2 ) Exemption. New money are created from signatures and signatures means that funds are either issued to customers who are shareholders by operation of law, or that debts are discharged according to the Uniform Commercial Codes. Employees can not validate the debt because their are no debts owed to Toyota Financial Services who actually the debtor and the proof is in the language. They sent out another contract thats not written in English. Please note they an employee made claim that the contract is written in English when the styles manual proves that its not English.
Product: Credit reporting, credit repair services, or other personal consumer reports

A line of credit or credit card was opened in my name on XX/XX/22 at XXXX XXXX XXXX for {$10000.00}. My credit report shows a balance due and that payments were late. I DID NOT request, receive, or use this line of credit. This is fraud and done by someone I don't know. It has negatively impacted my credit and put me in debt for an amount I DID NOT request, receive, or use. I reported this to Transunion and XXXX on XX/XX/22 and called and emailed the XXXX XXXX XXXX the same day. I haven't gotten any response.
Product: Credit reporting or other personal consumer reports

I've been trying to remove the derogatory status of my XXXX account on both XXXX  and equifax reports and I have a letter from XXXX stating the account was nor derogatory, but can not access the derogatory mark or upload the file through the dispute process on XXXX  site nor access equifax site for disputes as their system states it can not connect to its servers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX must be deleted, as the new lender could not verify the debt and XXXX has no legal standing to report it. 

NEIGHBORHOOD CREDIT UNION must be removed, as the account has been fully paid and should no longer appear on the report. 
Correction of XXXX XXXX Co Account XXXX XXXX Co must update or remove the account to reflect the correct balance after the vehicle was sold. 
If a 1099-C ( Cancellation of Debt ) should have been issued, the creditor must provide documentation verifying the account status. 
Deletion of Unauthorized or Disputed Credit Inquiries TransUnion must immediately remove all unauthorized and disputed inquiries that were not initiated by me.

Correction of Misspelled Name and Associated Accounts TransUnion is reporting an incorrect spelling of my name. This error must be corrected immediately to ensure accuracy.

Any accounts linked to the incorrect name spelling must be removed, as they may have been mistakenly attributed to my credit file.

Full and Transparent Investigation Report TransUnion must provide detailed verification records for each disputed account, proving they have properly investigated.

If they can not verify accuracy, they must delete the disputed items immediately per FCRA requirements.

Potential Compensation for FCRA Violations If TransUnion fails to comply, I reserve the right to pursue damages, including : Credit score impact Loss of financial opportunities ( e.g., loan denials ) Legal fees related to enforcing my consumer rights
Product: Debt collection

The company continues to repeatedly call and harass me during working hours even after I have asked them to stop. I get calls from them when I am in important meetings and it is putting my job in jeopardy.
Product: Credit reporting or other personal consumer reports

My student loans were discharged by the IRS via 1099-C, I have received copy B for debtor stating that I received this form because a Federal Government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. As a result, these loans should no longer be reflected on my credit report, as they are no longer applicable to my financial obligations. However, upon reviewing my credit report, I discovered that these discharged student loans are still listed, which is adversely affecting my credit score. 

I have attached documentation supporting the discharge of these loans. I request that the inaccurate reporting of these loans be promptly removed from my credit report to ensure its accuracy and fairness. 

I would like to highlight that this erroneous reporting also constitutes a violation of The Family Educational Rights and Privacy Act ( FERPA ) 20 USC 1232g ( b ). Enacted in 1974, FERPA is a federal law designed to protect the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. As such, the inaccurate reporting of my discharged student loans violates my rights under FERPA, and I expect that appropriate actions will be taken to address this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions COLLECTION ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HARD INQUIRIES : XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SOFT INQUIRIES : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Promotional Inquiry XXXX XXXX XXXX XXXX  Prequalification for Credit Card XXXX XXXX  XXXX XXXX XXXX to XXXX Report XXXX XXXX XXXX XXXX  Promotional Inquiry XXXX XXXX XXXXXXXX XXXX to XXXX Report XXXX XXXXXXXX XXXX XXXX  Promotional Inquiry XXXX XXXX XXXX Prequalification for Mortgage XXXX. XXXX XXXX XXXX Automated Consumer Interview System XXXX XXXX  XXXX Automated Consumer Interview System XXXX XXXX Account Review Inquiry XXXX. XXXX
Product: Credit reporting or other personal consumer reports

A hard inquiry regarding a Wells Fargo Service card has been added back to my credit report via XXXX and XXXX XXXX. Its showing under my XXXX report but after reaching out to XXXX themselves, they arent seeing it on their end. This inquiry was deemed fraudulent almost a year ago and was removed last year XXXX. It has appeared after almost XXXX  months. The inquiry is dated XX/XX/XXXX of 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602, states I have the right to privacy. 15 USC 168 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Bank of America Credit card Late months reporting on my credit report : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX Late months reporting on my credit report : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Late months reporting on my credit report : XXXX and XX/XX/XXXX and XX/XX/XXXX Late months reporting on my credit report : XXXX and XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB : This is not a duplicate complaint. I am requesting documented proof of the credit bureaus findings and also attached another document that for some reason keeps getting deleted for a threat, so I saved it in a different file. 
Subject : Formal Request for Proof of Investigation and Compliance with FCRA I am writing to formally request proof of your compliance with the Fair Credit Reporting Act ( FCRA ) regarding the disputed information on my credit report. I have previously disputed the inaccurate reporting of [ specific accounts, e.g., XXXX XXXX XXXX XXXX Account No. ending XXXX, and XXXX XXXX XXXX, Account No. ending XXXX ], as these accounts were settled before any charge-offs were applied. Despite providing clear proof of settlement, the inaccuracies persist. 

As you are aware, under the FCRA, credit bureaus are required to : Conduct a reasonable investigation of disputes submitted by consumers ( 611 of the FCRA ). 
Notify the data furnisher and request an investigation within five business days of receiving the dispute. 
Update or delete any inaccurate or unverifiable information within 30 days of receiving a dispute ( 623 of the FCRA ). 
I am concerned that your organization has failed to conduct a thorough investigation and failed to ensure accurate reporting, as evidenced by the continued presence of the disputed information. Furthermore, I am aware of recent legal actions, such as those initiated by the Consumer Financial Protection Bureau ( CFPB ), which highlight concerns regarding compliance with these legal obligations. 
I am beyond frustrated with the lack of professionalism and response. I have been told by XXXX that my dispures are frivilous and the other credit bureause just keep qouting the same script. So now I want proof. I am persistent and will sue!