23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Authorized representatives : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Complaint Handler, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, with XXXX XXXX, of Client Services Inc., are debt collectors demanding {$4900.00} with the intentions of damaging my credit files if not received within their version of a timely manner. 
On XX/XX/XXXX Client Services IncXXXX, presented a Demand for payment letter and I replied with a validation notice via certified mail. 

On XX/XX/XXXX XXXX XXXX began to harass me using such statements as we have many payment options that may meet your individual needs, I want to work with you to find a payment solution that fits your needs, please call me, and I look forward to working with you to resolve this balance. 

PAYMENT OPTION NOTICE dated XX/XX/XXXX reads FOR IMPORTANT RIGHTS AND PRIVELEGES WHICH MIGHT APPLY TO YOUR STATE OF RESIDENCE, PLEASE SEE BELOW OR REVERSE SIDE. Client Services Inc., provided no information below or on the reversed side of their payment option notice. ( please see attachments ) Client Services IncXXXX, is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 

The carefully documented terms you, and your do not apply to me. Who placed this account with Client Services IncXXXX, who authorized the use of my social security number to XXXX XXXX? 

Client Services InXXXX, is now the 2nd debt collector attempting to collect an alleged debt on behalf of XXXX XXXX XXXX XXXX XXXX with no support of an agreement with/from either party. 

Authorized representatives : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX for Client Services IncXXXX, are aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I do not agree to pay/tender anything to Client Services IncXXXX XXXX XXXX behalf of XXXX XXXX  XXXX XXXX XXXX XXXX 

I am not a party to any agreements Client Services Inc., may or maXXXX not have with XXXX XXXX XXXX XXXX XXXX. I am not responsible for Client Services Incs purchase / transfer from XXXX XXXX XXXX XXXX XXXX or known affiliates. 

Neither, XXXX XXXX, XXXX XXXX nor XXXX XXXX for Client Services IncXXXX, have permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. All calls are recorded for my safety. 

Client Services Incs reply outside of the CFPBs portal, must be delivered via the XXXX postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes.
Product: Debt collection

On XX/XX/XXXX, I began my lease with XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, Florida XXXX for one year ( ending on XX/XX/XXXX ). I lived with three other individuals, each of us on separate leases. After living in the property for one year, I was assessed charges in the amount of {$2400.00} for damages that XXXX stated we were responsible for. I received the first correspondence from XXXX regarding these charges once I moved into my new residence the following year. I immediately contacted them to let them to dispute the total that they were placing on me was incorrect, but to no avail. The office staff stated that they would contact me in the coming weeks with a solution, but I never received any communications back. 

In late XXXX, I received notice that the amount I owed was being transferred to NCC Business Services Incorporated, a  third party debt collection agency based in XXXX, Florida. In late XXXX, I formally disputed the debt with NCC. After waiting for months for a response, I contact NCC to speak with them regarding the unjust debt. They stated that they sent me a response to my debt dispute. I stated that I never received this correspondence and requested them to reissue it but they declined to send me this document again. 

During the time of my dispute with the debt collection agency, XXXX transferred ownership of the property to a bank. This property was being managed by another company. I spoke with the owner of XXXX in-person in mid XXXX, informing him that this credit dispute was a hinderance to my ability to seek housing. He informed me of this shift in ownership and ensured me that he would speak with the new owners to assist me in this effort. He also spoke with the local property management company I was attempting to rent from ( no relation to situation ) to help me in obtain a rental I was seeking to reside in. Despite this, he never reached out to the debt collection agency nor the new owner of XXXX XXXX XXXX to rectify this issue. After waiting for a few more months, I called the new property managers to explain to them my situation. They stated that they had nothing to do with the issue since they never formally went into a contract with me. They also stated that they would not be able to give me the direct contact information for the owners of the property. 

In XXXX XXXX, I contacted XXXX to let them know about my conversation with the new property managers. They offered no assistance. Late in XX/XX/XXXX, I retained an attorney to assist me with solving the issue. She advised for me to file complaints with various governmental agencies. My hope is to not only resolve this issue, but to aid other college-aged individuals who may fall victim to the predatory practices of business like XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

So my mobile phone number XXXX has been hacked and can not be found with XXXX XXXX ( as of XX/XX/year> ) Now, the only way to access my billing information and extensive features account access is only with a mobile phone number. 

I have no way of accessing my online XXXX XXXX on my device and zero options to otherwise manage my account online at all. 

( they want my parents names, financial transaction history verified on the phone number every time ) I thought this was what a password is for? 
How come it takes a month to update my account in any way?
Product: Credit card or prepaid card

This is an addendum to CFPB Complaint XXXX, filed on XX/XX/2023. Bank of America, hereinafter BoA, used the same flawed automated fraud filter, which incorrectlty froze unemployment benefits, ( XXXX XXXX. XXXX ), to determine that no fraud had occurred in my dispute. BoA engaged in unfair acts or practices by not conducting a fair investigation and denying my due process rights to present favorable evidence, allow me to examine and challenge the evidence the merchant submitted to BoA, in violation of the Electronic Fund Transfer Act and Regulation E. I urge the CFPB to investigate and confirm BoA 's use of the flawed automated fraud dispute filter in deciding my dispute.
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 violates 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. 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

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off with Toyota Financial for {$150.00} and XXXX with XXXX XXXX for {$950.00} across all three credit bureaus. This car was declared as flooded and totaled by my insurance company and fully paid of for over XXXX XXXX I was only responsible for XXXX XXXX of the leased amount. I have reached out many times to ask these XXXX companies why this is a charge off on my credit report I never received a 1099C to claim this on my tax. Can you please help to get removed I exhausted all my other options already with no help.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed a Fraudulent account that are being reported XXXX  by the same data furnisher XXXX XXXX and XXXX XXXX different accounts XXXX and Account XXXX XXXXXXXX for the amount of {$25000.00}. This is inaccurate information due to duplicate reporting. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX )
Product: Debt collection

This company, Portfolio Recovery, is attempting to collect a debt, However, they appear to be doing so from spoofed numbers, which seems to be not just a violation of the Fair Debt Collections Practices Act, but also an FTC violation since they are not calling from their own phone numbers. Sometimes they use numbers from around the country, but they also use a area-code/prefix spoof to try to get me to answer calls from local numbers ( I'm in area code XXXX ). I do have a list of various numbers, and that list will be made below. 

These are the numbers I get contacted from : ( Non-local ) XXXX XXXX XXXX XXXX ( local- area code/prefix spoofing at the bottom XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is just some of the numbers Portfolio Recovery has used to try to contact me.
Product: Vehicle loan or lease

Td auto finance misreported on my credit 4-5 times I never made. Late payment I called them 9 times to correct the issue and I think my credit score is restored back to normal based off how many times they put and removed charge offs written off amount of XXXX when I was never late and paid every payment on time sent letter to all 3 bureaus and I still dont feel my credit score was restored the first charge off drop my credit score XXXX points for this error I have a letter from Td auto apologizing and then they misreported it again and again
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed errors on reports with all bureaus with no success
Product: Credit reporting or other personal consumer reports

XXXX XXXX released information about me to XXXX XXXX. I have not given consent orally, written, or verbally for this company to sell information about me. I have not received any report to inspect for accuracy nor have I received a notice to opt out of this service. I applied for a car for my household and was denied because of them. I was unaware this was even legal seeing how credit is extended without discrimination but this has not been my experience. I am requesting the information that was released to 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, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and addresses fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolutions 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, credit repair services, or other personal consumer reports

I filed Disputes with all three credit bureau reporting agencies on XX/XX/2021 ( Experian ), XX/XX/2021 ( XXXX ) and XX/XX/2021 ( XXXX  ) against XXXX XXXX XXXX. As of XX/XX/2021, my XXXX  XXXX XXXX student loan was paid in full and therefore closed. On XX/XX/2021, both Experian and XXXX  closed my Disputes with no change to my account balance and status, because XXXX XXXX XXXX advised each that I still have a balance when in fact that was ABSOLUTELY false and unsubstantiated by their own records. I dont know why XXXX XXXX XXXX would intentionally provide a fraudulent response, one that has harmed me and caused extreme stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I set up a payment plan for my Target RedCard which would allow to pay the balance off over time without penalty. I made the first scheduled payment in XXXX and Target reported me delinquent before my XXXX payment was due. This mark is now on my credit report, Target did not live up to their end of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/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  I am emotionally distraught and outraged by the presence of these derogatory marks on my credit report. I have worked hard to maintain a good credit score and this negative information is unjust and unwarranted. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that all information on a credit report is accurate and up-to-date. However, the information on my credit report is not accurate and I am requesting that it be corrected. 

I request that you investigate the accounts listed above and provide me with documentation to support the negative information reported. If you can not provide such documentation, I demand that you remove the negative marks from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In reference to credit card account ending in XXXX please be advised that I did contact the executive office several times in XXXX and XXXX 2017 by leaving voicemail messages in reference to this account and received no return phone call to date. I attempted to reach Chase before this account was closed in the middle to late XXXX 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

The MyEquifax website has been inaccessible for at least 2 weeks for me. See attachment for error provided.
Product: Credit card

ABUSIVE CREDIT PRACTICES HARMFUL AND INJURIOUS TO THE CONSUMER 1. Discover card restricted my account from purchases for 3 months without explanation, and then lowered my credit limit maliciously to harm and lower my credit score. Discover refuses to communicate with me regarding these matters. Discover lowered my credit limit only after i complained to their customers service. DISCOVER HAS BECOME PREDATORY AND ABUSIVE. 2. XXXX months ago i removed AUTHORIZED USER, XXXX XXXX from my Discover card. Discover is still reporting this authorized user to the credit bureaus for the purpose of damaging XXXXXXXX XXXX credit score as well.
Product: Credit card

Denied credit due to credit report Consumer law or 15 U.S.C. 1691 and 12 CFR 1002 states that I cant be denied credit due to credit score, history, or income.
Product: Debt collection

CAPITAL XXXX TRYING TO COLLECT A DEBT I DO NOT OWE WAS NEVER SENT A BILL NEVER HAD SERVICES WITH XXXX .... ALSO XXXX XXXX COLLECTION FROM XXXX HOSPITAL NO KNOWLEDGE OF DEBT NO BILL HAVE N'T USED SERVICES FROM XXXX IN THE PAST 15 YEARS ON XXXX WITH HELP FROM XXXX ...
Product: Credit reporting or other personal consumer reports

Re : Dispute of Unauthorized Credit Inquiries- Violations of Fair Credit Reporting Act ( FCRA ) I am writing because XXXX, XXXX, and Equifax did not remove unauthorized inquiries from my credit report, after I told them I did not give permission for my credit to be ran. I am requesting that these be deleted from my credit report immediately. 

These inquiries were made without proper authorization and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these inquiries were conducted without my consent, and I have not initiated any business or financial relationship with these companies to warrant such inquiries. 

These inquiries were made by the following companies : XXXX XXXX XXXX XXXX XXXX 
Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXXXXXX Address : XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Phone : ( XXXX ) XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OR XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXXXXXX XXXX Credit Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX ) XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX  Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX : ( XXXX ) XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Phone : ( XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX XXXX XXXXXXXX XXXX  Address : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Phone : ( XXXX ) XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/XXXX I was making a deposit into the ATM machine and the atm took my card and the cash that I deposited. The amount was XXXX dollars it took a month and numerous phone calls to try and get the money reimbursed. After a month I was only reimbursed XXXX of the XXXX dollars that I had deposited. With zero explantation why ... I need to file a complaint against TD bank also I would like to have my money reimbursed ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a servicer on several student loans that are on my XXXX credit reports. Under the authority of 15 U.S.C 6802,6803,6804,6805, I am now exercising my right to opt out of XXXX furnishing my private education, financial, and personal information. Giving my information to affiliates or 3rd parties violates 5 U.S.C 552a, The Privacy Act of 1974, and also the Federal Educational Right to Privacy Act. I am hereby revoking all permissions, whether written, spoken, implied, or non-implied, for my private information to be furnished without any non-disclosure or my expressed written consent. I would like them to stop furnishing my information immediately and not continue to do so. I also want them to remove the information that was furnished recently, and previously as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi & How are you doing? It's taken longer than i thought - more than 45 days and it account status was never updated. Im a little confused about how the late payments are reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.