23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Financial Institute : XXXX XXXX XXXX ( hereinafter XXXX ) Issue : Contacted third parties without consumer 's direct consent - in violation of the Fair Debt Collection Practices Act, 15, U.S.C. subsection 1692, Communication in Connection with Debt Collection ( b ) Description of matter : 1. Primary Compliant : XXXX has, as set out in the below circumstances, directly violated the Fair Debt Collection Practices Act, 15, U.S.C. subsection 1692, Communication in Connection with Debt Collection ( b ), wherein it expressly states that without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. [ Emphasis added ] a. There has been no permission of court, nor postjudgement, that permits a 3rd party to the consumer to be contacted b. Third parties contacted were not the consumers attorney or any other party permitted within the Fair Debt Collection Practices Act to be contacted. 
c. Consumer did not provide prior consent directly to the debt collector to contact 3rd parties XXXX contacted multiple relatives of the consumer without the consumer 's direct consent Relatives included Uncle and Mother / Father residing at separate addresses from each other and consumer Mother and Uncle contacted separately but on the same day ( XXXX XXXX, 2018 ) Both Mother and Uncle are unwell / ill and contact caused unnecessary strain on relatives health XXXX disclosed to Mother what issue was about ( i.e. debt collection ) ; again, without direct consent from consumer. 
Such disclosure was effectively disclosure of the consumer 's private information to a third party While dates of previous calls have not been recorded, this was not the first time XXXX has contacted relatives of the consumer without the consumer 's direct consent. 
Consumer has tried multiple times to contact XXXX to advise that further contact with relatives should not, under any circumstances, be made. Each time consumer either can not get a hold of XXXX, is placed on hold or transferred from department to department. 
However, in accordance with the Fair Debt Collection Practices Act, the consumer is not required to request XXXX to cease and desist in respect of contacting 3rd parties as the law clearly sets out that XXXX required the consumers prior consent, which it did not have. 
Consumer reserves all rights to pursue any further action permitted under the Fair Debt Collection Practices Act and / or Civil action. 

2. Secondary Compliant : XXXX has exceeded reasonable contact methods and is outright harassing the consumer.
Product: Credit reporting or other personal consumer reports

These overdue payments don't match my regular payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for an account to improve my credit. The company was financing a water filter that is connected to my house.It is an installment loan- one of the 3 bureaus has it as a mortgage. 
I called the XXXX XXXX and they say it is not a mortgage- I opened a dispute with Experian, they are the only copy reporting this as a mortgage.
Product: Debt collection

Bank of america home loan servicing assigned a XXXX balanced loan to XXXX. 

After transfer, to date XXXX claims more than {$110000.00} is due.
Product: Credit card or prepaid card

This is a follow-up from my complaint from Friday XXXX My complaint number is XXXX. I am also filing a new complaint to BOA which owes over XXXX dollars and for some reason they think I owe them!!!! They took out XXXX dollars out of my Unemployment check!!! the first time I got to received the extra XXXX. That is my RENT MONEY!!! There is a federal regulation that states that right??? 

Please help me I have been dealing with them on my claims for the last 4 1/2 months and I have not gotten satisfaction thru the Bank Of America, Now they are taking my unemployment money from me!!!! They cant do that ... ... ... I am also sending along copys of my bank statements to you for further documation Please help me I have been holding off rent only paying half, waiting for the extra XXXX from the goverment they cant take my unemployment when they owe over XXXX in claims, I was told by a supervisior that my claim for XXXX XXXX was done by me. How can they know that when it was done on line ... .XXXX XXXX told me this when I inquired this pursurse on XXXX there was a retured from XXXX XXXX on XXXX for XXXX and XXXX which the total was XXXX OK but the total for the entire pursurse was for XXXX so the bank owes me still XXXX and they closed it really???????? 


Thank You for your time, XXXX XXXX
Product: Debt collection

Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see this account removed from my credit file : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$300.00}.
Product: Debt collection

I have been a victim of ID theft throughout the years, I have filed several police reports and most recently a FTC ID Theft report.     I have made several attempts to handle this directly with ERC but they are unwilling to work with me on this situation. They still insist on reporting a fraudulent  XXXX   XXXX   XXXX  debt to my credit report. I have furnished them with letters, police reports, ect to prove my case. Nothing has been done. Nothing.     The amount on my credit report states its for {$490.00}.     I have NEVER had an account with  XXXX   XXXX   XXXX . This account is fraudulent and the company knows that and still willing tries to collect and report it to the credit bureaus. Attached are police reports and a copy of my FTC report.     My ID theft is ongoing so I am keeping up with these issues as they pop up. Please give me your cooperation this time.
Product: Credit card or prepaid card

On XX/XX/20, XXXX XXXX  issued a check on my behalf for a credit card balance transfer to Citi Card ( XXXX, KY ). The associated account number, and intended bank to receive the payment was XXXX XXXX. On XX/XX/20, Citi Card deposited this check despite having no relevant account associated with my name or for that matter any account with the account number shown on the check from XXXX XXXX. 

On XX/XX/20 XXXX XXXX advised that I should contact Citi and have them return the payment. They forwarded a copy of the cashed check. Upon calling Citi, they refused to take any action since it was not associated with any account I held or could they find any record of it and advised that I have XXXX XXXX  stop payment. 
I had XXXX XXXX stop payment around XX/XX/20. I was advised by a XXXX XXXX Credit Card service supervisor that it would likely take up to 2 weeks for a response. Further, when I asked what happened after that if it remained unresolved, I was advised that the bank would be able to follow up directly with Citi. 

On XX/XX/20, after allowing more than the recommended 2 weeks to pass and seeing no activity, I contacted XXXX XXXX  for an update. This time, I was advised that I needed to have Citi return the money. Thus putting me back in the loop of no action and having to continue to pay for a {$4900.00} check issued to the wrong bank and fraudulently cashed by the receiving bank who now refuses to take any follow-up action. 

Neither XXXX XXXX or Citi wants to address the resolution and each bank has profited by {$4900.00} one through a fraudulent acceptance of the check and one through failing to retrieve a disputed payment.
Product: Debt collection

On XX/XX/XXXX a company named RESURSURGENT CAPITAL SERVICES started calling and sending emails which is a violation. 15 USC 1692 ( c ) states that without prior consent of the consumer given directly to the debt collector. 15 USC 1692 ( d ) which states a debt collector in collecting a debt, may NOT harass, oppress, or abuse any person. They have been calling and sending emails so much it's starting to interfere with work and my family life as well as my free time or me time. I have never done business with RESURGENCE CAPITAL SERVICES and I don't owe them no debt. These are just some of the emails or calls from these people. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Plus this is the XXXX company who has contacted me or tried to contact me. How many times can a so-called debt be sold? How am I supposed to know who is telling the truth or not. The other 2 companies XXXX XXXX XXXX XXXX. as well as LVNV Funding LLC. I tried to contact XXXX over at RESURGENT CAPITAL SERVICES which is the person where the emails are coming from however I was told multiple times by two people who answers their phone calls plus the team leader still couldn't talk to her.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus failed to positively verify collection accounts. Credit bureaus did not provide me a copy of verifiable proof for alleged accounts listed below Equifax ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX Balance {$64.00} XXXX  XXXX XXXX Balance {$0.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , IncXXXX ) 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 proce 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 XXXX financial loss, and I seek appropriate redress ( 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 redress XXXX for these violations.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Vehicle loan or lease

I reached out to this financial institution on numerous occasions, via phone call in XXXX of XXXX and also by via USPS Certified Mail letters. I informed this company that they have in fact violated the FDCPA ( Fair Debt Collection Practice Act ) 15 USC 1692a ( 3 ) pertaining to the alleged loan they claim I owe on my vehicle. I received no response from this company. 

On XX/XX/XXXX I forwarded a certified document to this company- a letter of violation, demand and written instructions along with an affidavit of truth to validate the federal law they have violated.
Product: Mortgage

I assumed a loan from Freedom Mortgage for a property in XXXX  XXXX, XXXX Initally I set up online payments for escrow and reoccuring online payments for the mortgage. I was kicked out of the system and can not get any online access from now on. Freedom Mortgage is aware of the problem but informed me that there is nothing they can do. To pay my mortgage I must call them every month to make the payments over the phone. I can never access my own mortgage online, check my balance, make sure the insurance and taxes are paid, nothing. I also can not change Mortgage Companies so I'm stuck.
Product: Money transfer, virtual currency, or money service

I am filling 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 redress for these violations. 
I want the CFPB to publish this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks, XXXX
Product: Credit card or prepaid card

I have a bank account with Discover bank and applied for a credit card. I was approved for {$10000.00} but they were unable to verify the tax form I was filling out online. I was not able to access the card, use card or access card online. Now, Im receiving notice of a {$1500.00} balance. How can I have a balance when I am not able to use the card until you could verify, which never happened?
Product: Credit card

American Express has retaliated against for filing a dispute against them for disputing the two charg es for  XXXX   XXXX . They have been harassing me. They did n't notify me of any results of the outcome of the disputes. They have been asking me to submit all of my personal and business related financial statements to include Bank statements to which I used to make payments with on the accounts. I told them I had would have trouble getting them the information due to the fact that the bank accounts I used have other signors on them. I called  XXXX  merican Express and  cancelled the   XXXX   XXXX   XXXX   ending in  XXXX  #  XXXX   XXXX  {$2000.00}, and the personal   XXXX   XXXX   ending in  XXXX   XXXX . Under the  XXXX   XXXX   XXXX   XXXX  I am protected against " undelivered goods ''. The  XXXX  disputes I have with  American Express   XXXX   XXXX  {$2000.00}, and  XXXX   XXXX  {$2000.00} that I am being billed for that I never received the services/goods from the merchant. I provided them with numerous evidence that I did n't receive the goods and services from the merchant. I have tried to state this t o American Express n umerous times. They have proceeded to harass me and put me under a financial audit demanding all of my financial records which contain confidential information. I never received the goods/services from Madwire Media relating to the disputes with  American Express   XXXX   XXXX  {$2000.00},  XXXX  {$2000.00}. I showed  American Express evidence and proof of this. They have done little to investigate thes e allegations or provide me with any documentation or results. They have escalated the situation by asking for a financial audit. And have used improper language against me over the phone and have used discriminatory  XXXX  terms against me on numerous different phone calls with them attempting to resolve this. I am requesting that  American Express  stop their demanding  XXXX   XXXX  against me and stop demanding bank statements and financial records. I am requesting th at American Express  issue me credit back for the Disputes  XXXX  {$2000.00}, and  XXXX  as I did not receive the goods and services from the merchant. I am requesting that  American Express to s top harassing me.    XXXX   XXXX   XXXX / XXXX /  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX   XXXX,  XXXX,  XXXX XXXX XXXX ,  XXXX/XXXXXXXX,  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
Product: Credit card or prepaid card

Ive closed and cashed out this credit card and Im still being harassed and threatened causing me stress through emails.. under title 15 1692k Im eligible for compensation due to there violations upon me as a consumer
Product: Credit reporting or other personal consumer reports

All three credit reporting agencies XXXX, Experian, and XXXX have reported late payments which violate 15 U.S. Code 1666b, also I did not give written consent to be able to add anything to my report which Is a violation of the Fair Credit Reporting Act. The accounts listed below are accounts that show inaccurate information and are shown as open which is a violation as well. Not only that 15USC1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. " Also12CFR1016.7states that " A consumer may exercise the right to opt-out at any time. " I am opting out of your reporting services.

The Accounts that are being reported as late are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

The following account XXXX was charged off as of XXXX, 2019. Since then the account has repeatedly been updated as charged off every month to the three main credit beauers. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations.
Product: Credit reporting or other personal consumer reports

I have sent request to XXXX XXXX and XXXX on the following dates XXXX XXXX, 2024 XXXX XXXX, 2024 XX/XX/2024. The judge dismissed the case and released me of all money owed back in XX/XX/2024. I notified XXXX and it is still on my credit report stating I owe {$7600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$83000.00}XXXX XXXX XXXXXXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax please remove XXXX  XXXX from the credit report. The included in bankruptcy should have been included 30 to 60 days after discharge of the bankruptcy. Based on your report you showing yourself the discharge was XX/XX/XXXX We are now in XXXX and its just now getting added to the report you know this is not right! And is in violation of the FCRA I have showed you factual based dispute that its wasnt on the report until XXXX please remove from the report immediately and send me a updated credit report showing the deletion in its entirety. Lets move forward this is whats wrong with the world today and its not getting anybody people are always trying to bring others down.