23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with a collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer written notice containing the - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty_day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumers request with the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. This company has not provided 3-5 and therefore, is in violation of the law. Not only did they not include it on the initial communication, they failed to send it within the 5 days. This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming the deb is owed.
Product: Credit reporting or other personal consumer reports

I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts.
Product: Debt collection

I gave permission to a collection agency to discuss with my mother ( I am not a minor, my mom was helping me out on some outstanding credit card debt ) one account. My mother paid a {$500.00} settlement and a few days later received a letter stating Returned Check Notice. Your receipt payment on the above referenced account has been returned as dishonored by your financial institution. When in fact we contacted our financial institution and they had never received any request for payment of a check to this credit collection agency. 
When my mom called back to discuss this one case and the accusation of a returned check, she was advised that I owed over {$5400.00}, which is incorrect. I do have another account with their office, however, they only had permission to discuss one account with my mother. They broke the Federal Law by telling my mother about another account that they did not have permission to speak to her on. They clearly violated the Federal Debt Collection Act and refuse to close out and mark these two accounts as settled, due to the violation of the law.
Product: Credit card or prepaid card

I used my Coinbase debit card to attempt to make 2 transactions. First transaction was XX/XX/28 at XXXX at XXXX XXXX attempted ) {$2400.00}. Coinbase took my money out of my account but the merchant did not process the transaction. 

Created on : XXXX XXXX The second transaction was XXXX at XXXX also at XXXX for the same attempted amount {$2400.00}. The same issue occurred where coinbase took my money out of my account but the merchant transaction was not completed. 
I have lost {$4900.00}
Product: Debt collection

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in XXXX XXXX Parts XXXX, XXXX, and XXXX. I demand this account be deleted from my credit report immediately.
Product: Checking or savings account

I have funds from my paycheck in my XXXX account with Bank of America. 

I was let go of my job at XXXX XXXX on XX/XX/XXXX. 

My card was deactivated on XX/XX/XXXX without notice, leaving me unable to access my XXXX funds to pay for medical bills or prescriptions, on the last day that I had medical coverage. I learned this when I went to pay for the antibiotic my doctor ordered earlier in the day, now after hours for support at BOA. 

When I called BOA on XXXX XXXX, I was told new cards were already ordered and were going out on XXXX. 

Having not received the cards, I called BOA again around XX/XX/XXXX and I was told that they were sent regular mail and it would be XXXX business days. 

I filed a complaint with the XXXX XX/XX/XXXX - as I still had not received the cards. I later learned finally that they were the wrong place to file with. 

Today XX/XX/XXXX is a month since I lost my job and health insurance, I still have not been able to receive unemployment, and I still do not have access to my XXXX funds ( that are my won funds!! ) because I have yet to receive a card from BOA. I do not have money to pay my bills at XXXX XXXX, nor can I get my prescriptions filled.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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: Debt collection

This debt collector is collecting a payday loan debt from 2012 that was done online XXXX This debt collector National Credit Adjusters as they are called contacts me on both my work phone number and cell phone numbers repeated even after being told not to contact me any further. This debt collector when they contact me on occasion when I have talked with them will not discuss the reason for their contacting me regarding this debt unless I provide them with my personal information even after verifying at least my name and home address or contact numbers as they have them. They want me to verify my social security number and date of birth which is well over the limit of verifiable information if you have already contacted the person you have reached. I have told them after verifying my name and home address and phone numbers if they can not continue the conversation with my personal identifiable information then there is no reason for them ever contacting me and to not contact me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Product: Credit reporting or other personal consumer reports

The account is being reported on my report and I have no knowledge about this account.
Product: Credit card or prepaid card

On  XX/XX/2016    I purchas e (   XXXX   ) gif t cards, on my credit card, in the amount of {$1200.00}.   I presented  (   XXXX   ) ca rd to my wife in the amount of {$500.00} for  XXXX . When she tried to use the card i n XX/XX/XXXX ,  there was no money available on the card. I checked with the  3rd p arty vendor listed on the card,  XXXX , was told that the card had been used in Texas. I live in Mississippi. When I could not receive a satisfactory answer from   Kroger  ( wher e cards were purchased ),  U S Bank ( iss uer of card ), or   XXXX   ( card vendor ) I disputed the charge on my credit card. When I did that,  US Bank  removed another {$250.00} off of  one of th e other unused card. My credit card company has denied my claim and so I am now out {$750.00}. I have contacted all  (    XXXX    ) parties to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX partial acct # XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX Partial Acct # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX po box XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX
Product: Money transfer, virtual currency, or money service

I have sent documents and nothing has happen, Please help me
Product: Money transfer, virtual currency, or money service

someone got into my savings account online and took {$11000.00} cleaning out my savings account. they used XXXX which i had never heard of. Bank of America claims I am responsible because it happened over several days. Since this was my savings account I did not look at it on a regular basis and only noticed it when the crooks transferred {$3500.00} from my checking account into my savings account then stole it. I have since learned that XXXX is a wire transfer service started by the banking industry to compete with pay/pal etc and that XXXX is widely known for fraudulent transfers. The dates this happened are on XXXX there were two transfers for {$1000.00} each to same person on XXXX two more transfers for {$1000.00} each to same person as before, on XXXX two more transfers for {$1000.00} each to same person as previous. on XXXX there was {$3500.00} transferred from my checking to my savings also on XXXX there were five transfers for {$1000.00} each to a new person. i caught this activity in XXXX and reported it to bank of america. i spoke with a gentleman named XXXX. I was told someone had hacked my ip address and had gone in and changed all my profile info. That is how they were able to do it. I always logged on under my wifes login and did not realize our logins were different. XXXX said he could see that on XXXX my account was changed it had a different user id and all the profile info had been changed. I am XXXX years old my wife is XXXX years old. Neither of us understand computers. They cleaned out our savings, we are left with only our social security now, but i already see that bank of america doesnt care. We had our first bounced check in over 20 years because of this but bank of america still collected the overdraft charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$94.00} XXXX {$3000.00} XXXX {$95.00} XXXX {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

On XX/XX/2022, I received notifications from XXXX and XXXX that a collection account in the amount of {$2400.00} was reported by XXXX. After a quick XXXX search, I learned this company is a collection agency attempting to collect a debt. 

SUMMITACTRES ( " Summit A-R '' ) unscrupulously " parked '' this debt on my credit profile in an effort to collect a debt that I do not owe. What is " parking '' the debt? It is when a company, Summit A-R in this case, reports a debt to the credit bureaus to force a consumer to contact them with the hopes of collecting a debt they purchased from another company. These actions are malicious ( and quite possibly illegal ) and have severely harmed my credit.

As a consumer, I am protected by the Fair Debt Collection Practices Act. Summit A-R 's placement of this collection account on my credit report is the epitome of an abusive, deceptive, and unfair debt collection tactic. Furthermore, XXXX ' actions have unfairly tarnished my credit as they attempt to exploit my good credit standing. This is exactly what the Fair Debt Collection Practices Act intended to stop. 

Summit A-R has a debt from XXXX. XXXX was unable to provide me with validation for the debt. I went to them with a sick puppy and they gave me estimates. They never gave me a final bill and told me I would need to give them another {$400.00}. I disputed it with my Credit Card and XXXX XXXX credited it back to my account. They are trying to collect a debt without sending it to me in writing.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to TransUnion, XXXX, and XXXX, under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Balance : {$4400.00}.
Product: Credit reporting

I requested a copy of my credit report after being denied credit and called the automated service to request the copy of the report that I am entitled to because I was denied. At the end of the call with Equifax I opted to purchase my credit score for {$7.00} by credit card. The amount was deducted from my checking account on XXXX XXXX/XXXX/16 and is notated by " Equifax Credit Report/ XXXX ''. 
After not receiving anything in the mail, I contacted them in early XXXX by phone to inquire about my report and score. On XXXX XXXX I received an envelope postmarked " XXXX XXXX ''. Inside was my credit report dated XXXX XXXX. 
I still have not received my credit score that I paid XXXX for and when I contacted them today XX/XX/XXXX16 I was told my credit score was mailed on XX/XX/XXXX16. ( the same day XXXX was deducted from my checking account ). The representative said that her supervisor regretted I did not get it but there was nothing further that could be done. 
I would like them to mail me, email me. text me my credit score that I paid for or refund my XXXX, I think this business is a scam.
Product: Credit reporting or other personal consumer reports

My account was paid in full and closed. XXXX shows accurate information. However, XXXX XXXX and Equifax showing as charged off as bad debt and never paid. XXXX XXXX XXXX XXXX XXXX  credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent an email to the CEO of Experian citing the accounts I've been trying to get them to fix since XXXX. I attached proof of everything for my disputes- Copy of email from XXXX CEO stating account could not be located, proof that I placed a freeze on all third party reports, proof that Experian was reporting differently than XXXX  and XXXX  . I also attached copy of FCRA sections 609, 611 and 623 citing that a CRA is supposed to report accurately and that if they can't validate information properly they're supposed to delete the information/accounts disputed, that they're obligated to provide proof of validation regarding accounts they're reporting and that they're also supposed to provide me proof of how they got the information. 

Today I get a call from ( XXXX ) XXXX, who is either the CEO or his representative. He left a voicemail message stating they're not obligated to provide proof of validation nor are they obligated to make sure they're reporting aligns with the other CRA. I saved this voicemail and subsequently called the phone number. This gentleman is basically telling me they don't have to comply with the FCRA. I cited each section and he continued to basically tell me they don't have to comply. Someone needs to explain this to me, how an agency can refuse to comply with the law when they're are hefty fines regarding FCRA violations. At this point, I'm well within my rights to sue for damages, as my consumer rights are blatantly being violated along with serious violations of the FCRA. It is my understanding that fines for FCRA violations are pretty hefty and Experian is blatantly violating several sections of the FCRA.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive seen an inaccuracy on my mortgage account it states that there is balloon payment which is not correct and not accurate there is no balloon payment. Please update the following account : XXXX XXXX XXXX XXXX XXXX Please update status to : open
Product: Credit reporting or other personal consumer reports

Hello, I recently reviewed my consumer reports and found that consumer reporting agencies are inaccurately publishing late payment ( s ) on my consumer report for XXXX Account XXXX XXXX. There are a few inaccuracies in reporting this account. I have attached a document showing inaccuracies. I would appreciate a proper investigation on this account then update the payment history showing all payments are made on time as I NEVER paid this or any other accounts late. 

Thank you, XXXX XXXX
Product: Debt collection

Company keeps trying to contact, but leaves no message. Checked my credit report and I have not received any type of written notification as to what I owe. I do not believe that this debt is legitimate and would like for the company to stop contacting.