23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re Case # XXXX After speaking with a representative from the CFPB about the response I received from Cooling and Winter not addressing my main issue at this time, it was suggested that I send a new complaint, supply feedback and/contact an attorney. 
Since I had contacted an attorney and regarding this issue, and had been told that with the information provided I can't verify who owns the debt. C & W states that they are handling the account for XXXX, but I have yet to receive proof, only copies of statements mailed to me of who owns the debt from XXXX. I did receive a letter from C & W stating that they are basically working on behalf of XXXX, but did XXXX sell it or have another company handle it, then take it from them and gave it to C & W to be handled? I'm just simply wanting to verify because I have a letter from another debt agency asking for payment of this same debt and all they sent me as proof was the same statements. I was informed that Ga law specifies that there should be a Bill of assignment. Each assignment should show who had and released ownership to where it is now. I respectfully request competent evidence from C & W of who owns the debt, as required by Fair Debt Collection Practices, so that I can have proof should I need it in the future. Yes did speak with an attorney when I showed up for court, and we did discuss a hardship payment arrangement ( one that XXXX XXXX XXXXXXXX, which you state you are representing, would not agree upon while yet giving C & W the authority to do so under the same financial circumstances, yet they tout being loyal to their customers. They apparently would rather assign a company to process a lawsuit and give them permission to work out an arrangement, rather than work out a payment arrangement under the same financial circumstances. ) I need to know that when this is resolved, I have proof of the account being assigned to each company ending with C & W. If it is indeed the law, I just need those assignments for my records. If it is not the law please state this so I can confirm. 
Anyone in my same position, I would assume, if two companies are asking for the same thing and both are providing the same proof of ownership. One, C & W is suing while the other has not yet taken that step, who's to say that if an agreement is reached that the other company will not come in and do the same. 
I too want this resolved as expediently as possible. I appreciate that C & W stated that they want to cause no inconvenience, I just want to make sure that what was stated by the attorney I spoke with is resolved in a timely manner prior to the court date which is quickly approaching.
Product: Bank account or service

My RushCard Acct. notified people that they were makingchanges to their System- Which has been harder to understandMy Prepaid Visa Rushcard- has notified Account holders thatthey were making changes to their Online System. It has madeeverything much more difficult to understand and access theAccount- AND I can not figure out what happened to a pendingCharge that was not added back in- after being deducted out? 
PLUS- MY CHECK HAS NOT BEEN DEPOSITED YET INTOMY ACCOUNT? WHICH IS DUE TO BE IN MY ACCOUNT? 
IT IS USUALLY IN THERE BY NOW, AND I AM WONDERINGWHAT HAS HAPPENED AND WHEN IT WILL BE IN THERE? IDO NOT LIKE THEIR " NEW '' SYSTEM and the CHANGES thathave been MADE to the READ-OUT ONLINE -it is much harderto Read and understand it now!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX Inquired on XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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 redres. for these violations.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX
Product: Debt collection

YOU ARE BREAKING THE LAW UNDER THE FDCPA! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the account be deleted from my consumer report. 
XXXX XXXX Bridgecrest Credit Company , LLC The reporting of this account is violation of 15 USC 1692e, The Fair Credit Reporting Act A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. 

Under federal law ( FDCPA ) the reporting of inaccurate and incorrect account to my consumer report is implicating that a debt collector which is Bridgecrest operates by a consumer reporting agency which is ILLEGAL UNDER FEDERAL LAW ( FDCPA ). YOU ARE IN CLEAR VIOLATION OF THE FEDERAL LAW ( FDCPA ) AND LEGAL ACTION WILL OCCUR IF THE ACCOUNT IS NOT DELETED FROM MY CONSUMER REPORT IMMEDIATELY. 

The reporting of this account is violation of 15 USC 1692J ( Furnishing certain deceptive forms ), The Fair Credit Reporting Act ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

Bridgecrest is furnishing an inaccurate and incorrect account on my consumer reports according to the statue above. Bridgecrest is in violation of furnishing false information to a consumer report, Bridgecrest is subject to : 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional ; Bridgecrest is intentionally violating federal law due to falsifying information on my consumer report that by law that should not be there and is non-compliant. I will sue for actual damages if the account is not immediately removed from my consumer report. 

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

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00}
Product: Debt collection

I C System placed a collection account on my credit file for {$130.00}. I have not received any correspondence about this debt and I do not know who it is with. I noticed on my credit report today XX/XX/XXXX that it was placed on XXXX/2017.
Product: Credit card or prepaid card

At the end of XXXX, I entered into a financing agreement with XXXX XXXX for the purchase and installation of new windows and a sliding back door. The financing was completed with Wells Fargo and would be run as three separate 18 Month 0 % interest if paid in full promotions. One at the time of ordering XX/XX/XXXX, one at the time of the products being made XX/XX/XXXX, and one at the time of installation XX/XX/XXXX. I recently noticed on the bill that there is no breakdown of how the monthly payments, {$490.00} are broken down over the installments. I called Wells Fargo to inquire at how the payments are broken down and was told there is a minimum payment calculation on all 3 installments which make the {$490.00}. I am currently paying {$1000.00} a month and I asked how the principle was being impacted by the overpayment. I was told that anything over the minimum payment would go to the first expiring installment. I asked how the minimum payment is calculated/allocated to each promotion as I want to ensure the installments will be paid in full prior to the promotional financing expiring to avoid the interest charges. I was told by the representative that they can not explain that, but the payments are applied at the companys discretion. I asked if the over payment can be allocated to ensure the promotions are paid in full prior to the expiration dates and was told that payments can not be allocated. I followed up with another call the following day to ask again how the payments were calculated to ensure they were paid in full prior to the expiration dates and was told that no one would be able to provide that information. At this point I requested an escalation as I am concerned that my payments will not be applied properly since there is no clarity on the process and my promotions will not be paid off in time. After speaking with a manager and explaining that I would be filing a CFPB complaint since I can not get a simple answer to my question, I was told an escalation would be submitted and I would get my answer within 10 business day. After this period I received a letter with the terms and conditions and a letter explaining how the payment is calculated but still did not answer how the minimum payments are allocated to ensure the promotions are paid off prior to the final due date.
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 Electric 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: Debt collection

I request the removal of this collection account from my credit report. The original creditor, XXXX XXXX XXXX, sold my account to a collection agency without providing proper notification, which is a violation of my rights under consumer protection laws.
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XXXXXXXX ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX and Transunion are showing inaccurate information on this account which is a violation of the FCRA Date open shows 2 different dates high credit shows different amounts Date of last active shows 2 different dates
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these accounts which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance {$7200.00} XXXX XXXXXXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take notice that I XXXX XXXX XXXX, am a victim of identity theft. I viewed my credit report file with XXXX  and I am horrified that someone stole my personal information to commit fraud and as a consequence, there are multiple collections accounts on my file. From any perspective, this is an intimidating and overwhelming process. On XX/XX/XXXX, I completed an identity theft report on www.identitytheft.gov. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

There are 10 dishonest hard inquires that need to be removed, suppressed, disputed and blocked from my credit report, see below : I. XXXX  Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX  XXXX  XXXX Inquiry date : XX/XX/XXXX V. US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX VI. XXXX Inquiry date : XX/XX/XXXX VII. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX There are 3 fraudulent accounts on my credit report that need to be removed, suppressed, disputed and blocked : XXXX XXXX XXXX, Opened XX/XX/XXXX, Account number : XXXX Amount : {$6100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Opened, XX/XX/XXXX, Account number XXXX Amount : {$5400.00} XXXX XXXX XXXX Opened XX/XX/XXXX, Account Number : XXXX  Amount {$1900.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Amount {$1900.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. These phones itself are a violation of the FCRA.

To my knowledge, section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I saw a post from a friend selling something for {$500.00}. I thought I Was sending her money through XXXXWells Fargo but it was actually going to scammer through XXXX  for {$500.00}. Immediately i reached out and called the bank in which she took my information and said they would file a claim. The claim was worthless as days later I received a letter simply closing the claim because they could not refund me the money as I sent those funds through XXXX. I did not receive a call but the letter did not address the intent from the bank to try to have those funds sent back to me. As a loyal customer for almost 20 years this was very disappointing that this was the resolution with no explanation or protection while offering a service. I would like my full {$500.00} refunding to me in order to resolve this. 

Thank you,
Product: Credit card or prepaid card

On XX/XX/2022 I received a XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX ) as a birthday present from a friend. The card was purchased on XX/XX/XXXX at the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX in the amount of {$30.00}. When I attempted to use the gift card on or about XX/XX/2022 at a merchant, the gift card was rejected. I then logged in to XXXX and learned that the gift card was apparently fraudulently used in XXXXXXXX XXXX on XX/XX/2022. I was never in XXXX, XXXX and did not use the gift card at that merchant. The card in question was somehow registered to another user. I contacted XXXX at XXXX and was instructed to fax the following information to them so that the a new gift card in the amount of {$30.00} be issued to me. On XX/XX/2022, I faxed XXXX ( fax number XXXX ) ; XXXX ) A copy of the gift card, XXXX ) A copy of the receipt that purchased the gift card, XXXX ) A copy of my driver 's license. On XX/XX/XXXX, I followed up with XXXX and called them about the fax. They informed me that they had received the fax but couldn't read my driver 's license information and I would have to re-fax the documents. The information on my end was clear and readable. Nevertheless, as requested, on XX/XX/XXXX, I re-faxed the information to XXXX with an enlarged copy of my driver 's license, a copy of the gift card, as well as a copy of the receipt used to purchase the gift card. On XX/XX/XXXX, I again followed-up with XXXX about the status of my second fax. This time XXXX informed me that although they received the fax, the purchase receipt was missing and I would have to re-fax the documents a third time. I tried to reach a resolution with them over the phone but I was unsuccessful. My access to a fax machine is limited. The use of a fax machine is an outdated practice and is being used, in my opinion, to make it difficult for people that were defrauded for relatively small amounts of money to claim what is rightfully theirs. In my opinion, the XXXX company is making this process intentionally difficult for persons making a valid claim.
Product: Debt collection

As of the date of this letter you and and have violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX ran XXXX unauthorized credit inquires on my name as listed below : XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX Inquiry XXXX XXXX, 2017 the people responsible were : Finance Manager XXXX, and Office Manager XXXX, Sales Agent XXXX. <P/>Car dealerships run you credit multiple times so that your score can go down and they can charge you higher APR. THIS IS FRAUD!! Disciplinary action should be taken against. <P/>To start, I specifically told XXXX to not run my credit and I was no longer interested in purchasing the car on Thursday evening X/XX/2017. They still went ahead and ran the credit on X/XX/2017. Once is forgivable. But I went into the dealership Saturday on X/XX/2017 and specifically told XXXX the deal is off, and I asked about the credit inquires, and he mentioned that only XXXX inquiry was made on X/XX/2017 at XXXX ( I recall the time roughly ) to get my credit score. We ended the conversation there without authorizing him to shop for rates for me in XXXX / XXXX/ or XXXX XXXX XXXX . Furthermore, he lied and said if he would shop it would be through XXXX only as they give the best rates and not XXXX or XXXX XXXX XXXX. <P/>I would like the credit inquires cleared from my file. and I would like a warning sent to this dealership to better protect consumers. <P/>Thank you,