23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX {$1100.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX {$1100.00} I have report your company to consumerfinance.gov As a  form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT*** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT*** )
Product: Checking or savings account

This is a follow-up complaint regarding Capital One response letter on XX/XX/XXXX to the CFPB Complaint ID : XXXX. I am still requesting Capital One to actually investigate the missing fund of a {$2000.00} check I deposited on XX/XX/XXXX via Capital One mobile app.

First, I tried to call the number provided in the letter three times ( as I was told to call it if I wanted to discuss in details ) between XX/XX/XXXX and XX/XX/XXXX. Nobody picked up and I left voice messages as instructed every single time. There is still no calls back ever since. 

Second, in the response letter, Capital One asked for the source information of the Paid Cash Letter from the paying bank. Please find the Paid Cash Letter from XXXX attached. Please note, I also attached the same letter to my original CFPB Complaint ID : XXXX, so I dont understand why I was asked to provide again. If it is not forwarded, please provide an email address or mailing address in your response letter this time, so I can mail it directly. 

Third, Capital One responded that my check deposited on XX/XX/XXXX was rejected due to a missing signature. Attached please find the check e-image on the paying bank app on XX/XX/XXXX where signatures could be seen on both front and back with the XXXX bank stamp showing Capital One as the receiver. Again, I also did provide this image in my original CFPB Complaint ID : XXXX, so not sure why it was not being looked at.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : 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
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NA XX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX 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 ( 1 ) 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: Checking or savings account

This is in reference to both Savings and Checking Accounts with Bank of America both of which I am listed as POD. ( The accounts were/ are my father 's ). 

My father has passed and in attempt to close the accounts and secure the funds : I completed the following : XX/XX/24 Walked into Bank of America at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Delivered Certified Death Certificate for accounts for which I am named POD. 

Associate named XXXX XXXX took Death Certificate, copied, and submitted the same. 

XX/XX/XXXX, XXXX Received call from XXXX XXXX who was my contact person for Estate Services XXXX She indicated that she would set up a 3rd Party Online portal where I could upload the necessary paperwork. Indicated that Death Certificate had not yet been received. 

I placed three calls back to BOA on XX/XX/24 ( spoke with XXXX XXXX XXXX ) asking if we could expedite the process by submitting paperwork to the physical bank as opposed to online. Was not provided this option. I uploaded requested documents. Apparently, picking up the funds/check from a physical bank is not an option. 

Tuesday XXXX Placed a call requesting status- XXXX XXXX indicated that file was still in review. Requested that the process again be expedited- XXXX indicated that she would communicate the same with her manager. 

Friday XXXX XXXX contacted me and indicated that file had been approved and instructed me to follow up with a next week to obtain a tracking number for check. Told that the check may take up to 4 days to arrive. 

Monday XX/XX/24 - Called BOA Estate Services and spoke with XXXX who indicated sending out the check ( s ) was not approved because there was a name discrepancy. I was listed as POD with a Hyphenated maiden and married name ( versus just married name ). BOA indicated that they needed a Marriage Certificate. I again asked that this process be expedited. XXXX indicated that if I uploaded the Marriage certificate and called back in 30 minutes- that a manager could approve the check. 

Called back in an hour and spoke with XXXX who indicated that the XXXX XXXX hadnt been received and asked that I email the same to him. I emailed the marriage certificate and stressed that I needed this expedited - XXXX instructed me to call back in XXXX hours to request the tracking number. 

XXXX minutes after the call, I received an email requesting that I again submit my marriage license. After I log in, it requests the marriage licensetwice.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX sent {$3000.00} to me to paid for the first month deposit for a client renting from me for next XX/XX/XXXX. I have two phone numbers but only one email. Some how he sent it to a name on cash app that looks like it is one of my accounts but does not link to my email. I don't even know how to access this account. I sent the following message thru email to CASH APP. ( They don't have a phone ) I am able to sign into XXXX XXXX XXXX XXXX XXXX $ XXXX. 

I am able to sign into XXXX XXXX XXXX XXXX XXXX $ XXXX  I dont even know how to sign into XXXX XXXX XXXX $ XX/XX/XXXX It should be connected to either of the first phone numbers or card or account or address which is XXXX XXXX XXXX XXXX ( XXXX XXXX  ) XXXX How did I get XXXX XXXX XXXX $ XX/XX/XXXX When did I get this account? 

Have you researched that this account? 

I emailed them countless times but kept getting back general responses that had nothing to do with my specific problem. 

This started on Sat When XXXX sent the money to the " XXXX XXXX XXXX $ XX/XX/XXXX '', the one that I can't access and don't remember creating. I feel that they are stonewalling me so that they can make money off keeping it in their system for days while they gas light me by telling me that they are looking into it. 

It should be illegal to do financial services with out having a phone service to deal with the complications that can arise when dealing with large sums of money. 

No one at this horrible company has told me where the money is. They should go out of business.
Product: Debt collection

XXXX, XXXX & XXXX, XXXX, NATIONSTAR, XXXX AND NOW XXXX IS TRYING TO COLLECT A DEBT NOT MINE.
Product: Credit reporting or other personal consumer reports

On this day of XX/XX/year> I was reviewing my Experian consumer report and at that time I see I still have inaccurate & old personal information far as addresses from 2 years or more. This derogatory information is being reported without my permission or a court order. Experian consumer reporting agency policy doesn't supercede federal law.This is a violation of the FCRA 15 USC 1681 ( e ) ( b ) information being reported on my consumer report should be precise and accurate. According to the FCRA 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.There should only be correct precise information being reported by the consumer reporting agencies. 
XXXX ) address XXXX ) name XXXX ) Employment XXXX ) D.O.B XXXX ) telephone #
Product: Debt collection

Creditor Pressler & Pressler obtained judgment against me by serving papers to my foreclosed property while i had been homeless. I never received information on court date or subsequent judgement. I reached out to the company after notified by former family member that a notice was mailed to his address about wage garnishment. I verbally requested verification of the debt, and provided my current mailing address for corespondence. I also attempted to make payment arrangements of which i was told i would receive a call the next day which did not occur. The only communication i received was notices for intent of wage garnishment at the new address i provided but they never verified the debt.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate and according to the fair credit reporting act whenever it consumer reporting agency prepares a consumer report and shall follow reasonable procedures to maximum possible accuracy of the information concerning the individual of whom the report relates These accounts, XXXX XXXX with account number XXXX, XXXX account number XXXX, XXXX XXXX XXXXXXXX account number XXXX. Are not complete and accurate. 
And one more thing according to 15 USC 1681S two a person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cost to believe that the information is inaccurate. 


Check the attachments below.
Product: Credit card

I got behind on my Indigo card account due to my husband 's illness and subsequent death. Was trying to pay off card, but couldn't. Indigo made me an offer of {$450.00} to pay off and close account. I accepted their offer and they accepted my payment of {$450.00} in XXXX, XXXX. Every thirty-forty days since, I have been receiving collection calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance on the card. In XXXX, XXXX, when the first collection call came in, I told them the card was paid off and the account was closed. " Oh, yes mam, we see that the account has been closed and there is no payment necessary. '' XX/XX/XXXX : another collections call, you still owe XXXX {$280.00} past due balance. No, the acct is closed and paid off. They continued to argue with me. The same conversation takes place about every XXXX days, XX/XX/XXXX, same conversation, XX/XX/XXXX, same conversation, XX/XX/XXXX, same conversation, XX/XX/XXXX, same conversation, and today XXXX, same conversation. I want this harrassment to STOP! I paid their price quoted me, they assured me the account was closed. Every month that this happens, they assure me " after checking your account '' that it is closed and there will be no more calls, yet, every month, I am STILL getting these collection calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX Date Opened : XX/XX/XXXX Balance $ 0-Late/Closed Late Date XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance $ XXXX-Late/Closed Late Dates XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX
Product: Credit reporting or other personal consumer reports

While reviewing my consumer report I noticed that I had two late payments on an account that I wasn't late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I've included screenshots of the said dates I was allegedly late XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, these payments should be updated to paid as agreed on time providing accuracy in the reporting. Thanks, and see screenshot attached.

15 USC 1681e : Compliance procedures ( b ) Accuracy of report 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.
Product: Credit reporting

TRANSUNION credit report. This is a request for a ; CREDIT REPORTING CORRECTIONS STUDENT LOAN IS REPORTED ON CREDIT REPORTING TWICE THERE IS NO XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX/XXXX/XXXX {$88.00} XXXX XXXX XXXX {$1200.00} XXXX/XXXX/XXXX {$88.00} XXXX Please remove these derogatory accounts PAID 5 YEARS AGO Account Name Balance Balance Date XXXX {$0.00} XXXX/XXXX/XXXX XXXX {$0.00} XXXX/XXXX/XXXX XXXX {$0.00} XXXX/XXXX/XXXX
Product: Money transfer, virtual currency, or money service

Ive initiated an instant transfer on XXXX XXXX in the amount of {$4.00} from my Venmo account to my XXXX XXXX  account ( debit card ) but never received my funds instantly as the instant transfers promise. I have reached out to Venmo numerous times within a ( 1 ) week period theyre not to concerned or helpful with my issue, though theyve informed me my transfer has processed successfully on their end so I was advised to contact XXXX XXXX  support whom stated my funds are still pending on their end at this moment I dont know what to believe Venmo support team did provide me with a acquirer reference number so that my funds could be tracked I will be attaching the information below. XXXX XXXX  support informed me since its my first time transferring money Id have to wait 1 to 3 or up to ( 5 ) business days which is unheard of to me.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Student loan

Complaint with EdFinancial and XXXX loan servers. I made a payment to EdFinancial for 2 loans in XX/XX/year>. Those payments were not applied to my loan balances, when in contact with support I was asked to provide documentation of payment, I submitted the documentation via email and EdFinancial received. Payment was still not found and loans were transferred to XXXX. EdFinancial stated that they were no longer able to help me with this problem due to no longer being my service provider. XXXX continues to state that they are waiting to receive the payment from EdFinancial. I asked XXXX to provide me with documentation of the payment and my loan balances and they state they are unable to provide me with this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX were able to delete this debt. What are you showing that proves and keep you from deleting this debt? If you can not show me then you must follow suit and delete this debt as well. Also, in accordance with The Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US 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, credit repair services, or other personal consumer reports

This is the 12th time I have contacted equifax about the following inquires that are Unverifiable and not mine that are reporting on my credit report nd still nothing have been done the only response I get is that the INQUIRES ARE FACTUAL and the following inquires are not factual : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these inquires are factual : a ) Tell me in writing what information you received from this creditor to support the presence of this Inquiry. 

B ) Tell me in writing what you did to determine that the information the creditor provided was accurate. 

c ) Note how the information was relayed to the creditor and the EXACT information ( type/kind ) that was provided to your bureau as PROOF of the accuracy of these late Inquiry. 

EQUIFAX DID NOT PROVIDE ME WITH NONE OF THIS I DON'T UNDERSTAND. I did not authorize or give CONSENT to anyone employed by the this company to make any inquiry and view my credit report. Further more I did not GIVE any kind of instructions to report this ALLEGED inquiry on my credit file. U.S.C. 1681b ( a ) ( 2 ). 15 U.S.C 1681b ( c ) ( 1 ).
Product: Credit reporting or other personal consumer reports

These Account were Investigated by XXXX and Trans Union and both came back with the same result and Removed the fraudulent accounts. However Equifax whom I DO NOT think did an Investigation saying they verified this blatant fraud. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Letters of Removal from XXXX are attached. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : The Things That are being Disputed Have been Investigated By Both XXXX and XXXX XXXX - Why do 2 separate investigations come back the same and a 3rd be different is Equifax getting paid to XXXX  over the consumer?
Product: Debt collection

West central Texas collection insists on reporting to XXXX that I have an open account with them that is on a chapter XXXX wage earner plan. This is not true. I filed chapter XXXX and the account should show closed with a XXXX  balance. I contacted them and they refused to correct the information on my XXXX   report.