23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the Fair Credit Reporting act. The list of account below have violated my federal protection consumer right to privacy and confidential under 15 USC 1681. XXXX  account # XXXXhas violated my rights XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX inquiry has Violated my rights XXXX XXXXXXXX XXXX bankruptcy  has violated my right 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 Its also stated consumer reporting agency without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute investigation letter sent from post officeXXXX Recieved by Experian and Return receipt signed by person at ExperianXXXX No response on credit investigation current date is XXXX.
Product: Debt collection

ON XX/XX/18 AT XXXX, I GOT A CALL FROM CREDIT PROTECTION ASSOCIATION . THEY LEFT A MESSAGE WITH THE MINI MIRANDA. I  WORK IN XXXX XXXX AND I KNOW FOR A FACT UNDER FDCPA REGULATIONS, THEY ARE NOT ALLOWED TO LEAVE MESSAGES. I AM NOT DISPUTING THE DEBT, I HAVE ALREADY PAID THE DEBT AND HAVE PROOF.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Westlake Financial Services and I have been having back-and-forth conversations. 
Every time I make a payment, they claim there weren't enough funds and assess an NSF fee on top of whatever additional expenses I'm not aware of. 
I have often tried to speak to a manager or supervisor but have been told there are never any available. Every time I make a payment, they calculate a different amount. I recently paid a past due sum of {$1400.00} on XX/XX/XXXX, however as of XX/XX/XXXX, they claim I still owe {$1900.00}. They informed me that I owe {$860.00} when I contacted. Information is constantly in dispute. I'm not sure what is being paid at this time, and I can't see my principle balance going down. 

Due to the exposure of information to someone other than me, I also asked to meet with a member of their legal team ; however, I was told that they don't have one. 
My car has already been declared a total loss, and ever since I've informed them, they've been charging me {$60.00} a day in interest until the payoff is received, which is highly dubious. In addition, they are intentionally causing trouble with the insurance provider by claiming that I have the title when I don't in order to gain more money. 

Payments are seldom without issue ; if I make my $ XXXX monthly payment, most of it goes toward interest and very little toward principal. In addition to all of these payment frauds with this firm, I am also concerned that I won't receive a difference in thepayout owing to their methods and may not be able to purchase another automobile, which has been very frustrating for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, amount {$120.00} for a collection that keeps appearing on my credit report with XXXX  that I do not owe such a debt. Thus after filing a police report of fraud and do not have any public record to verify that I owe a debt. It still appears on my file with the Consumer Statement of : " This account is not mine and can not be verified because you have no legal court order or judgment stating that I am responsible for this account which is fraudulent in nature, Just because a collection agency states that it belongs to me does not make it valid without proof of verification under the fair debt collection act. '' This information had only appear once I close on Escrow XX/XX/2018. Did not have any negative information on my credit report when I purchased my home as a Veteran. After many attempts to try to contact XXXX  and state that the information in wrong and also provided a police report, they still insist that I do indeed owe this money to the Company Known as Kimbal Trey & St John.
Product: Credit reporting

My credit report contains information from the XXXX. There are XXXX annotations on my credit report, XXXX indicating a reposession and another indicating a charge off. The last payment on either account was greater than 7 years ago. The account indicating reposession shows a last payment date greater than 7 years. The account indicating a charge off has a last payment date within 7 years ; however, no payment was made within 7 years. The accounts should have been removed from my credit report.
Product: Debt collection

I received a collection notice dated XX/XX/XXXX from a company named CBCS for a medical bill from XXXX XXXX XXXX XXXX Hospital in XXXX, AZ. for {$100.00} for services on XX/XX/XXXX. I contacted the hospital and they did not have any record of the charge with the account number listed on the notice.The account # liisted on the notice was XXXX. We did have two payments for that amount to XXXX XXXX 's last year in XX/XX/XXXX and XX/XX/XXXX, but they were paid. There was a previous fraudulent claim action against this company in which they paid over a million dollars to the FTC for this same type of action. These companies should not be able to continue to bilk consumers out of their hard earned money this way.
Product: Checking or savings account

Hello CFPB, I had opened a Silver Savings account with Hancock Whitney Bank on XX/XX/2019 under a promotion where I would receive {$100.00} upon fulfilling terms where I would need to maintain {$2000.00} in the account until XX/XX/2019. Despite meeting these terms, I have not been credited with the {$100.00}. I would like to submit my complaint as I have reached out to Hancock Whitney Bank with no response. If you could please assist with this matter, it would be greatly appreciated. 

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

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXXS Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX EXPERIAN BUSINESS CRED Date of inquiry XX/XX/XXXX
Product: Credit reporting

It 's a struggle every time I try to get my free annual credit report from the credit reporting companies covered by annualcreditreport.com. I try to space out my requests so that I get a different one every 4 months, but I can usually only get a single one per year from XXXX as it 's the only one that works consistently. XXXX is always blocked by my anti-virus system when they try to transfer me to a malicious website and Experian always tells me that I 'm blocked from ordering through the official website and must make my request by US Mail. These problems have gone on for several years now and I 've tried reporting them to annualcreditreport.com, nothing ever seems to change. It seems that they make it so difficult to get the legally required free report, that the only way to accomplish it is to buy some bogus service from them. Why does n't the government put a stop to this?
Product: Credit reporting, credit repair services, or other personal consumer reports

address was changed to XXXX XXXX XXXX XXXX, Nc XXXX looks like it was changed just recently. This is not me
Product: Credit reporting or other personal consumer reports

XXXX XXXX There are several accounts from this company, but this particular account does not belong to me. I am formally requesting its removal from my report, as I have never been late on any payments. 

Account Number : XXXX Balance : {$2700.00} Date Opened : XX/XX/XXXX Fraudulent Collection I have no knowledge of this company, nor did I authorize the original creditor or collection agency to use or obtain my information. Please delete this account from my report. 

Collection Agency : XXXX XXXX XXXX XXXX XXXX Balance Date : XX/XX/XXXX Original Creditor : XXXX Account Number : XXXX Balance : {$510.00} Fraudulent Inquiries : XXXX XXXXE Requested On : XX/XX/XXXX FLAGSHIP CREDIT ACCEPTANCE Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX VIA DEALER Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX CANNON XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX of XXXX ) Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXl XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hello my name is XXXX XXXX XXXX  ama usbank customer since XXXX My account was past due one time due to an hurricane we had to evacuate and everything was lost and I had a hard time logging back into my account. Now that my account is paid off and closed I want to know can I have a courtesy and removing the late payment from XXXX. I have a XXXX XXXX Im trying to get approve for XXXX XXXX and this late payment is hindering the process I am begging this is a life and death situation please help me. Thank you so much
Product: Checking or savings account

I am writing this complaint to ask for help one last time. I have been in a continuum of crime, which includes the fraud that I reported to Wells Fargo months ago. I don't blame Wells Fargo for my victimization ; on the contrary, I had hoped they would help take the offerings I provided, and use what resources they might have to get actual professional validation of my claim, which would then bring justice. I have all but given up hope now that I am going to be afforded my consumer rights and be given my stolen money back, but I am asking once more for my money to be returned to me by Wells Fargo. I don't know what else I could have done to assist WF regarding this matter, but I did everything I could think of. I still need help, but nobody seems willing to stand up for me. Despite the overwhelming evidence I have of the unbelievable victimization I have endured, I am no closer to being validated in the administration of justice, then I was when it first began. The people who have done this have destroyed my life, and their method of victimizing me is truly brilliant, because they have gotten away with a horrific criminal spree ; and thanks to the lack of investigating by law enforcement, and now my bank, they have also been paid handsomely with my own money to do so. It is unspeakably frustrating to know that I have offered up the proof of the fraud, and of my victimization in general, yet nothing seems to help me at all. Unless Wells Fargo affords me my rights as a consumer, I will have no other option at this point but to seek legal representation to assist me. I know once that happens the CFBP can no longer assist, alas, the CFPB hasn't changed much about the outcome of this situation. I am grateful for the help both the CFPB and OCC has  offered to date. I am providing further substantiation with this complaint that I tried to enhance for better sound quality. It is more evidence of the fraud for Wells Fargo 's meticulous review. I certainly hope it helps, however there is three open complaints already ; two of which WF hasn't even responded to at all. I have tried to upload several other audio and video files here but they exceed the amount allowed. What more can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following XXXX Accounts listed below, have 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. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 opened XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX date opened XX/XX/XXXX XXXX  XXXX date opened XX/XX/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 DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 violating 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 process 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a XXXX XXXX XXXX XXXX XXXX XXXX which is XXXX XXXX XXXX XXXX XXXX, causing XXXX XXXX XXXX XXXX & creating XXXX XXXX XXXX XXXX XXXX XXXX. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Jefferson Capital Systems , LLC, for committing identity theft. I have never given Jefferson Capital Systems , LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with Jefferson Capital Systems , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX I have not received any documentary evidence, such as a trilateral contract, giving Jefferson Capital Systems , LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Jefferson Capital Systems , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Jefferson Capital Systems , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Jefferson Capital Systems , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Jefferson Capital Systems , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Jefferson Capital Systems , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Student loan

I have had a loan through XXXX XXXX  in which I have paid over the {$10000.00} borrowed already. Then my account was switched to Ed Financial Services. Since being with Ed Financial I can not find statements of any payment I made to XXXX XXXX before XXXX 2023 and also everything I paid towards the loan while XXXX XXXX held it has been erased.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX and Account number # XXXX have 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: Debt collection

This is not my debt. I have been paying this debt for years. I call to make a payment in XXXX of 2021. The lady was verifying my information and she said what kind of car I was paying for. I asked her to give me the information again and that is not right. She said you been paying this for years now. I said I was never told what kind of car only that you were garnishing my check. I had just had my check garnished. I got a letter from a attorney that it was paid in full. I talked to man last name XXXX who was very very rude. Arco Collection in XXXX, Tennessee had stolen money from me for years and knowing full well this debt is not mine, I deserve all my money back from these bullies. I want my money back they stole from me for years now I was bullied into paying these bullies. They will not give me any paper work nothing. No details!
Product: Debt collection

global check services used an invalid account # in XXXX on the XXXX online gaming site I nerver heard of them and they charged me fee 's three of them XXXX on XX/XX/2018 XXXX on XX/XX/2018 ,XXXX on XX/XX/2018 i had money in my account to cover the charges I RECEIVED three letters in XXXX tried to pay what i owe they charged off the account it affected my credit history they say tried contact me by phone they did not send me any more corespondence in XXXX a XXXXXXXX XXXX XXXXXXXX XXXX XXXX contacted me say i owe them XXXX i thought that may be a scam they called me XX/XX/2018 they offered me to pay XXXX i say no called them back an told them to send me a validation notice they said no agree to pay XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am unable to view my credit score because experian keeps stating that it has not been updated. Despite my attempts to resolve this issue and submitting the necessary information, the problem persists.
Product: Credit reporting or other personal consumer reports

Pursuiant to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/2007 ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/2007 ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/2007 ( XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX is in violation by reporting that I'm delinquent in making my child support payments. First of all I have never been late with making payments. I recently discovered that they were in violation by seeing a notice on XXXX ' website that they had posted on their website before the removed it but it references that the law applies to all credit reporting agencies