23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Fraudulent collection accounts XXXX XXXX XXXX Opened XX/XX/year> {$580.00} My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX  ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
2. Copies of any signed agreements or contracts pertaining to the debt. 
3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported. 
2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Lastly, You are required to remove this inaccurate information immediately, as mandated by U.S. Code 605B, without subjecting my dispute to a 30-day investigation. Under this law, inaccuracies related to identity theft must be blocked or deleted promptly upon receipt of appropriate documentation, and I fully expect compliance with this legal obligation. 

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Respectfully XXXX XXXX UCC-1-308 Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

urned in my XXXX XXXX XXXX lease with XXXX XXXX in XX/XX/XXXX under the provisions of the XXXX. Received confirmation of the lease turn in XX/XX/XXXX after several attempts to contact XXXX. Received multiple statements from XXXX claiming that we owed money on the remaining payments while I was XXXX to the XXXX XXXX. XXXX XXXX  told us multiple times to disregard the statements that our account would be fixed since it was turned in under XXXX. In XX/XX/XXXX we went to purchase some land and saw that we were shown as having late payments on our account for several months after the car had already been turned in under XXXX. After several attempts ( probably 20 or so ) contacting XXXX XXXX and talking to multiple customer service reps and managers we were assured that our account had been corrected. As of today XX/XX/XXXX the account still shows 60 days late on all three credit reporting agencies with updated dates in XX/XX/XXXX despite XXXX telling me that their system shows it being cleared with no late payments. I have been promised that we would get a letter that states the account is incorrect on multiple occasions and have still to receive any letter. This has now cost me hundreds of dollars in additional fees and deposits required to establish new accounts because of the incorrect information. I have been promised for months that the issue would be resolved, yet nothing has been done to correct the issue. I was told to dispute the information that it must be incorrect with the credit reporting agency. I did dispute with XXXX which returned with an affirmation from XXXX XXXX that the information was correct.
Product: Credit reporting or other personal consumer reports

This is an urgent notification letter that your company needs to pay more attention to, and provide fast resolution. Recently, I scanned through my updated credit report and I found some inaccurate and incorrect accounts on my credit report. As Ive said to you from my previous letter, I find these negative accounts so misleading because I have no memory of such charges and transactions. Kindly take this off now from my files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, {$140.00} DATE XX/XX/XXXX and XX/XX/XXXX reporting miss payment XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XX/XX/XXXX XXXX account XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX {$1800.00} I have made more the one complaints against EQUIFAX AND XXXX prior to this letter. I am holding the accountable for violating the following code of the Fair Credit Reporting Act. 
15 U.S.CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORT They did not get my written permission, nor did I give authorization this a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 stat. 146 ) states that any agency can only get your report in response to a request by the head of the state or local child support enforcement agency ( or a state or local government official authorized by the head of such an agency 12CFR 1022.3 DEFINITIONS anything added to my/ your reporting without your consent can be considered identity theft. 
I wish to enforce 15 U.S.C 1681C block of information resulting from identity theft, I will provide the appropriate proof of my identity along with a copy of the FCT REPORT. 
and also, The Privacy act of 1974 ( 5 U.S CODE 552a ) EQUIFAX AND XXXX are a consumer reporting agency and I am a consumer, I have the right to make sure is not shared which is back by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer 's nonpublic personal information, " Furnisher of information to the credit agencies is a financial institution by definition under the title. 15 USC 1681 SEC 604 A SECTION 2 states that " In general subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer of which it relates. " FURNISHER OF INFORMATION TO CREDT AGENCIES ) the financial institution and the reporting agencies, Equifax and XXXX do not have my consent to furnish this information and they do not have written consent. 
.Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

Bank ( specifically branch manager ) was specifically directed to Never ever pay any funds if there are presently insufficient funds to do so. The bank paid an unauthorized ACH transfer when there was insufficient funds in the account to pay the unauthorized ACH. Then hit me with fees in excess of {$200.00} for the insufficient funds. 

This is an unfair, unauthorized practice predatory in its face. It's illogical that if there isn't enough funds in the account to pay an unauthorized incoming debit and the further prejudice the customer/account holder with fee 's that are unwarranted
Product: Debt collection

XXXX sent an unknown past debt of {$78.00} to be collected by a agency called Enhanced Recovery Company this debt is over 6 years old and Im just hearing about this only because the collection company hit the credit bureaus with collections and derogatory remark making my score go down and affecting me to purchase a home. I called the collections company regarding it and they told me it was debt from XX/XX/2012.
Product: Mortgage

In  XXXX   2017  I was subject to debit card fraud. Someone or a group of someone 's took about  1200  dollars from my account, and it put me in a bind in terms of paying my bills. As a result of this I was unable to make my mortgage payment until the end of  XXXX  when I was able to borrow extra funds. I tried to make the payment online, but the next available date was  XXXX   XXXX  in terms of processing my payment. I believe t his may have resulted in a negative late payment on my credit report. I am formally asking that the loan servicer review the attached letter from my bank and agree to remove the late payment since I was the victim of  fraud.
Product: Debt collection

I am unfamiliar with this company .... XXXX XXXX. They said I took the loan in 2018. It's a XXXX year time limit here and she said it was a small loan but also said there were XXXX payments of XXXX dollars. That says it's XXXX of the predatory loans not allowed in Louisiana due to the extremely high interest rates. I asked her to mail it to me. She said she emailed to a email address I haven't had access to in many years. She just wanted to argue when I asked what address she had and refused to answer. Yes I talked loudly to her not abusive but she wouldn't quit arguing so I could say anything. I think they have been scammer
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2015 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is this account on my EXPERIAN credit report that I do not recognize, I dont know who the data furnisher is and the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with Experian and XXXX also and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked EXPERIAN and XXXX for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. This is affecting my credit worthiness really bad.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to adequate 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 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 redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information from XXXX XXXX regarding my account is incorrectly reported. My account is being managed with a Credit Counseling program XXXX XXXX and the agreement with XXXX was for the entire full balance owed. The acceptance letter agreement from them to me states that they would not negatively report my account and they would not charge off my account ( I am uploaded this letter ) The did charge off my account and negatively reported I am submitting a copy of this and the payment record was not accurately reported all payments were made as agreed and {$6900.00} was paid to them to date. 
Proof of these payments are uploaded with this complaint as well as the final statement from XXXX XXXX showing the balance.
Product: Bank account or service

I have an equity loan with USAA and set up an automatic payment from a USAA account. On XXXX XXXX, I see in BIG RED LETTERS that my account is overdue. I am a XXXX veteran who has NEVER had a payment overdue by one minute much less than three days. After calling USAA, they tell me their system is down. However, that does not resolve that my account is over due. I made a manual payment and yet it will still and always be reflected as overdue. Furthermore the bank was of the mind that it was no big deal. That they can not fix a computer error at the snap of their fingers, their words. This is huge. While it wo n't affect my credit and I paid before any late fees were assessed, it will show 1-30 days late and has already attacked my integrity. The BIG RES LETTERS did not say we have a an issue and will make payment .. it said that the account is overdue
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the la st three mont hs, I have been attempting to co-apply for financing. In reviewing my credit reports with the  XXXX  agencies, I have discovered  XXXX  public records of Tax Liens on my report.  XXXX  is a federal lien, as recorded by the  XXXX  County Clerk 's office, in the amount of {$12000.00} on  XXXX  ( joint lien ), and the other is a state tax lien ( West Virginia ), recorded in the  XXXX  County Clerk 's office in the amount of {$3100.00} on  XXXX . These are NOT my liens, as confirmed by the IRS and state tax authority - it is a person of same name, but not my social security number. Both  XXXX  and  XXXX  have removed this misinformation from my report, but Experian has NOT. I had Experian admit to me, on a recorded phone line, that they do NOT CROSS CHECK SOCIAL SECURITY NUMBERS! This is outrageous and unacceptable, and this is negatively affecting my credit, and causing me distress and an inability to obtain credit and/or loans and mortgages. I have filed a complaint with Experian, and they said they will take up to 30 days to investigate. Again, unacceptable. I ask for your assistance with rectifying this situation with immediacy. Thank you.
Product: Credit card or prepaid card

On XXXX 2016 I rented a vehicle in the XXXX, XXXX, XXXX,, XXXX XXXX XXXX XXXX. I returned the car full of gas, on time and I was given a signed bank receipt for certain amount. When I got back to the states and noticed that there was an overcharge of {$130.00}. 
Immediately I called the company in fluent Spanish and I was explained that the charges were for an exchange of a vehicle, that I had asked for since the keyless ignition locked me out, and the particular vehicle had a recall XXXX wide for that problem, and I was told that they charged for that, even though I sent Chase bank a copy of the recall and names of witnesses that helped me tried to start the vehicle. Regardless I sent them copy of the contract showing " free towing '' in which I paid, and was included in the contract. I waited for 6 months without a response and I reminded them of the time elapsed and all of a sudden without contacting the vendor and approaching them on the vehicle recall and free towing, they sided with them. This was fraud and they did not treated as such. 
When I approach Chase, they are very rude about it and do not want to explain as to when they talked to the rental company or what was discussed. I have been defrauded and they did not treat the investigation as such. 
.
Product: Credit reporting

I have been an identity theft victim since my birth certificate and personal information was stolen in XXXX. I have tried tirelessly to get the information corrected since, most of the credit bureaus have corrected my personal information except Experian. On XXXX XXXX, XXXX ; contacted them to dispute again personal information that is related to my identity theft issues. I continuously disputed addresses and name spellings only to be told that Experian is refusing to dispute or remove the information that is incorrect because it was associated with a reported account that was opened or application that was submitted with incorrect information. Experian has been the most difficult in correcting my personal and credit information and I am contemplating legal action for FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I have never done business with these companies.
Product: Debt collection

In XX/XX/, my identity was used to open a credit card with Comenity Capital Bank Sephora. The thief then charged approximately {$1000.00} to the account. I opened a fraud investigation with XXXX and it was found that the account fraudulent. The account has been removed from my credit history. Even though Comenity has confirmed the account was fraudulent and has closed the account, the debt was still somehow sold to XXXX XXXX XXXX, who is now attempting to collect on the debt. They are trying to collect on a debt that does not belong to me.
Product: Mortgage

They sent me a letter saying that they gave me a loan modification for XX/XX/XXXX which would allow me to skip XX/XX/XXXX payment. Now they are trying to change it to a 90 day forbearance That is not what I agreed to. I want them to honor the initial agreement.
Product: Student loan

I have a parent plus student loan through AidVantage. I've made my payments on time according to the schedule - at least the minimum amount due. My balance has increased and nothing is being paid towards my principal since XX/XX/year>. 

My account was put on administrative forbearance XXXX through XXXX, not of my request. I am told that during that time I accrued over $ XXXX in interest and I must first pay that back, plus current interest, before any money will be applied to by principal balance. 

AidVantage says they can do this according to their promissory note. 

I called and the representative told me I would see an interest adjustment ( XXXX ) but when i talked to someone today they say the interest is correct and they will not adjust my account. 

I did not ask for a pause in payments and understood that administrative forbearance accrued no interest. AidVantage said I was in a ICR/IDR pause, but that makes no sense to me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX  XXXX - BALANCE {$670.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$4800.00} Account Name : XXXX XXXX XXXX  # XXXX - BALANCE {$22000.00} Account Name : XXXX XXXX XXXX XXXXXXXX XXXX BALANCE {$1600.00} Account Name : XXXX  # XXXX ( Original Creditor XXXX  XXXX  ) - BALANCE {$430.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you. I've called XXXX and your company to resolve this issue and I have proof from my current carrier as to when I started services and the previous phone number in question, which never left my XXXX until I changed my number in XXXX of 2021. Please remove this debt from my credit!!!