23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I also sent them a letter on XXXX XXXX explaining to them that they are reporting inaccurate personal information on my credit report and received back by certified mail that they received my letter on XXXX XXXX. Here is my letter to them. to dispute the following information in my file. I have circled and highlighted the items I dispute on the attached copy of the report I received. These items disputed by Employer History : XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. is inaccurate because the spelling of my current employment is inaccurate. The correct spelling should be XXXX XXXX XXXX  and remove XXXX XXXX XXXX. There is no identifiable information for this account XXXX XXXX XXXX XXXXOriginal Creditor : Available. Please delete How can closed accounts have a balance? Please delete these items listed below. XXXX XXXX XXXX  Act. # XXXX120 Days Late High Closed Balance {$10000.00} XXXX XXXX XXXX Act. # XXXX Closed Balance {$1100.00} XXXX XXXX XXXX Act. # XXXX Closed High Balance {$600.00} XXXXXXXX XXXX Act. # XXXX Closed Balance {$98.00} XXXX XXXX  XXXX  Act. # XXXXClosed Balance {$1100.00} _____________________________________________________________________ Inquires, these listed inquires below has no available information. Inquiry : XXXX XXXX IncDate of Inquiry : Contact : Not Available Inquiry : XXXX XXXX XXXXDate of Inquiry : Contact : Not Available Inquiry : XXXXDate of Inquiry : Contact : Not Available Inquiry : XXXXDate of Inquiry : Contact : Not Available Inquiry : XXXX XXXX IncDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXXDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXXDate of Inquiry : XXXXContact : Not Available Inquiry : XXXX AutoDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXXContact : Not Available En closed are copies of my credit report supporting my position. Please reinvestigate this these matters and delete the disputed items as soon as possible
Product: Debt collection

Financial Recoveries Inc is calling and threatening me for a debt I do not owe.
Product: Credit reporting or other personal consumer reports

These late payments aren't in line with how I usually pay on time.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the debt collection attempts made by your agency.I am unaware of this debt and have not had an opportunity to dispute it due to lack of proper notification.It is my right, under the Fair Debt Collection Practices Act ( FDCPA ), to be properly notified of any debt before collection activities begin.If you believe that I received proper notification, I kindly ask that you provide the certified mail with a receipt containing my signature confirming receipt of the notification letter. Without such evidence, I dispute the claim that proper notification was provided.Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate the following unauthorized credit card account : I have never applied for or authorized the opening of this credit card account. I want to make it clear that I have never signed or applied for this account. As such, I request that you provide me with documented proof of the signature associated with this account. This proof may include, but is not limited to, a signed application form, a copy of the original contract or agreement, or any other documentation bearing my signature.Furthermore, the reported dates of last reporting and active status for this account are inaccurate. I request a thorough investigation into these discrepancies.This is fraudulent reporting! 
Creditor Name : Bank Of America Credititor Address : XXXX XXXX XXXX XXXX XXXX, Texas ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report on XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX I believe it was reported in error XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Vehicle loan or lease

On XX/XX/2022, Our XXXX was totaled after 5 days at the fault of another driver. On XX/XX/XXXX, the insurance company sent the payment to Ally Financial. Ally Financial received an additional payment from the dealership and XXXX also refunded an amount. In addition, I also made a payment on the car as the payment became due. Ive been calling Ally about the refund for over a month. No one can give me an exact amount of what is owed to me, only an estimate of {$2700.00}. I keep asking for a my money back, but they only respond that they will escalate the issue. Ive had about 15 escalations, 3 requests for supervisor call backs with no call returned, and XXXX payment made to me. They continue to hold my money and I would like it returned and not escalated to an imaginary person. Thank you.
Product: Debt collection

Collectors keep calling me even after I offered an amount of {$200.00} to settle my debt since they bought the debt for pennies on the dollar. They refused and continue to harass me during my working hours disrupting my work day. It is a constant harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$120.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the letter attached, I contacted the apartment manager and asked to schedule a time to meet and discuss the items listed on the Move-out Statement. I was never contacted by anyone either by telephone or email. The amount of the collection they are reporting is totally false. I am also disputing all charges outlined on the Move-out Statement, specifically the items that follow : missing garage remote ( the remote was left on the counter when I vacated the premises ) ; full apartment trash-out ( I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; one bedroom no attempt to clean ( again, I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; Worn Countertops needs resurfaced ( this was a result of NORMAL wear and tear I should not be charged for upgrading the unit ) ; Missing Refrigerator ( the refrigerator was in the unit when I vacated ) ; Missing washer/dryer ( the washer and dryer were rentals and returned they were not property of the apartment complex ). The collection being reported is completely bogus and needs to be removed from my credit report. This false reporting is seriously harming my credit score. I have contacted the bureaus to remove these line items however, I have not been successful.
Product: Debt collection

I was called by Debt Co XXXX XXXX at or around the middle of XXXX, XXXX. They told me a debt I owe was turned over to them for collections. I was baffled because I work hard to pay my bills. They told me it was for XXXX XXXX XXXX. This was my old XXXX  company who I knew that I would be having issues with them as they were predatory when I lived at the property that I XXXX from them and I had no doubt that they would be predatory after I had moved out. We had disagreements in what dates I had moved out. However - I had not heard a single thing from them since I moved out. I received no bills or phone calls alerting me to any debt that I owed until the collection agency called me. I explained this to the lady from the collection agency and she told me she would look into this. I also explained how outrageous I felt it was that they didn't even bother contacting or billing me before they handed it over. 

Within XXXX weeks I was sent a statement outlining all of the reasoning behind the alleged debt. This letter asked for my response by XXXX. I wrote a dispute of the amount and I asked that I work with the company itself to resolve this. The letter was written on XX/XX/XXXX and mailed around that time to ensure that they received the disputed amount by their requested date. A week later I was called by XXXX XXXX by the same woman as before and I explained that I have barely had adequate time to respond and that I am doing that in letter form. She wanted to verify that I planned on disputing the amount, which I agreed that I was. 

I was alerted on Sunday to a new collection on my credit and was shocked to see that XXXX XXXX filed this as a collection against me while I was trying to resolve the issue. I have had neither an appropriate amount of time nor adequate conversations or allowance to dispute this collection. They did not ask for proof or anything- they just used a bully tactic to force me to work with them which I tried to do. It is my understanding that the way they have proceeded is inappropriate.
Product: Prepaid card

A Dispute Resolution in the Adjusted Amount of {$22000.00} with Direct Express Payment Processing Services XXXX SERVICE REQUEST NUMBER XXXX Issue : Unresolved and Claim Denial for {$22000.00} Direct Express is facing a Class Action Settlement Lawsuit for Illegal Dispute Practioces as Follows : Company : Direct Express Payment Processing Service Fraud Services Department XXXX XXXX XXXX XXXX XXXX TX XXXX Claimant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Dispute Denied and not resolved in the clients favor as promised by the supervisor team PIN PHONE Stolen and CARD and CARD Number and CVC Code Stolen IDENTIY THEFT XX/XX/2024 STATEMENT and XXXX  Email Received. ( Subpoena Compliance not followed ). XXXX XXXX Liability and FDIC Insured Policies were disregarded intentionally and not honored. 

XXXX XXXX XXXX I intend on filing a law suit with the District Couret in XXXX Texas if left unresolved within a reasonable time frame XXXX  the full FDIC Insured Amount of XXXX Deposited by the social Security Administration and US Treasury Department . 

Today is XX/XX/2024 The XXXX was Filed in XX/XX/2024 XXXX, XXXX XXXX XXXX XXXX A new SIM Card was issued for the Stolen XXXX Used to Hack and Dark Web Surveillance the Account with Stolen Social Security Card Debit Cards and Credit Cards. Drivers License was also reported Stolen to XXXX XXXX PD Officer Lain the Phone was Stole at a Waterpark in XXXX XXXX Texas XXXX pending further incidences of stolen vehicle and towed vehicle with IDs Cards SS Cards and Valid Drivers License of XXXX XXXX XXXX a US Veteran United States XXXX XXXX and Federal Government Candidate and Government Essential Employee- City of XXXX and XXXX XXXX Health and Human Services Please resolve by have the Credit Issued Permantly and Provisionally to my Current Direct Express Account with SSA The Social Security Administration . 
The Total Disputed Amount is {$22000.00} on the Direct Express Government Benefits Prepaid Debit XXXX XXXX FDIC Insured and XXXX XXXX Liability XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 someone applied for credit through XXXX  XXXX. Under my maiden name. Which obviously I dont use as its no longer my name. I called XXXX XXXX they said they would remove it they also inform me that I need to call Trans Union XXXX and XXXX to report the fraud and to also lock my accounts. XXXX was the most difficult they refused to remove it even though I am a victim of identity theft. The all said that I need to have a police report I dont even know how to go about getting a police report for something that wasnt even in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I sent an dispute letters to XXXX, Equifax,  and XXXX disputing about the following inaccurate information : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX Around XX/XX/XXXX, I called all credit bureaus for updated investigation status. I was told by XXXX that they had received the letters, but has not gotten to investigating XX/XX/XXXX yet, but was behind in the mail so they were still investigating XX/XX/XXXX. Under the Fair Reporting Act, the investigation should be done in 30 days. That did not happen due to the Holidays. I sent another letter asking them to investigate. I thought this matter was resolved until I applied for an apartment on XX/XX/XXXX.I was told by the apartment complex that this same information disputed in XX/XX/XXXX was impeding me from getting approved to have a roof over my head. Will you please provide me a description of the procedure used to determine the accuracy and completeness of the information, including the business, name, address, phone number and documentation submitted to credit bureaus to validate the debt? I am requesting this information for all 3 credit bureaus. In addition, I want you all to investigate the credit bureaus refusal to supply an updated credit report when items have been disputed, deleted and changed. Each time I call to ask for the disputed results in writing, I was told I had to subscribe to a paid monthly service to get credit reports. I had to ask for the manager to get an updated credit report for free. The credit bureaus are more concerned with selling you credit reports or scores than they are about doing their job, to report accurate information. How can they become more user friendly, accurate, and provide the service mandated by the government. Please help. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, DEPT OF EDXXXX  Account # XXXX, # XXXX, # XXXX, # XXXX 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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Payday loan, title loan, personal loan, or advance loan

Since XX/XX/XXXX they have called me at work. They have been told not to call at my place of employment. They still continue to call. We record all our calls and I'm not allowed to take personal calls at work. The calls are on record stating not to call.
Product: Debt collection

This was a credit card that was in dispute in 2001 for about {$2500.00} which I though was revolve and closed. Now I see after XXXX years later unbeknown to me I am being contact from Midland Funding, LL with balance amount for of over {$19000.00}. I am assuming it goes from XXXX collection agency to another and are tagging on these ridiculous penalty plus interest on top of additional charges. This should be against the law and protect consumer from these collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw that my Equifax credit score had dropped XXXX points in a period between XX/XX/22 and XX/XX/22. The reason given by Equifax was that a creditor had removed a remark code, which was " Fixed Rate ''. I called the creditor XXXX XXXX XXXX XXXX in Wisconsin ) and as I thought, I did not have an outstanding loan with them in order to change and such code. The person I was talking to at Equifax was not helpful at all and basically suggested I get an education on the how credit companies work. I am looking for nothing more then to just have my credit score restored.
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. 

XXXX Account # XXXX has violated my rights. 

XXXX  Account # XXXX XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX  Account # XXXX XXXX had violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX Account # XXXXXXXX XXXX has violated my rights. 


15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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.
Product: Credit card or prepaid card

Around XX/XX/XXXX, I discovered on my XXXX monthly earning statement a debt collection in the amount of {$240.00} with the following message below XXXX XXXX XXXX-DEBT DEBT BALANCE {$.00} ORIGINAL DEBT {$240.00} XX/XX/XXXX XX/XX/XXXX UNPAID DEBT BALANCE *TOTAL* : {$.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ET Immediately I contacted Citibank customer service : The representative whom I spoke with informed me that {$240.00} fees was for a {$29.00} fees for a new card issued and sent to me. The additional fees was for late fees. My question to them was : where the notification of this charges sent to and when. Citi declined to discuss with me and referred me to the XXXX card representatives who just confirmed the charges that I was calling to address. 
1- The credit card from Citi for which I am currently registered never showed any balance due and have an available balance of {$4000.00} 2- I am currently XXXX have no access to any hard mail 3- Citi have my correct and current email address on file. Why was it not use as the unit know Im XXXX 4- Citi informed me that a new card was issue and the bill for the new card was sent to the new card for which I was never registered. As a result I would never receive any invoice nor any notifications of any statement regarding a bill. 
5- My unit representative, which is the program manager, never send me any notifications of an invoice of {$29.00} which was not paid, which was being billed to a non-registered card and a physical billing statement being sent to an address where no one would see as I am currently XXXX 6- I have always paid my bill in full. A matter fact Citi has once issue me a refund of {$600.00} for overpaying an invoice. This just to show that I was never aware of this invoice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( {$3000.00} ; Account # XXXX ) has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. XXXX XXXX has failed to provide a copy of any wet signed applications, which raises concerns about the legitimacy of their actions. This is not a credit transaction initiated by me with this third-party debt agency. Additionally, I will be filing federal and state complaints against XXXX XXXX for these unlawful practices. I have not authorized them to access or report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately.
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

In accordance with the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

I communicated with Experian to reinvestigate this account. Account : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. However, how is that possible if the open date, date of last activity and much more are incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

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

15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. Especially by these accounts being crimes of Identity Theft and I am a Victim of Identity Theft.

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 Experian is not in compliance with the Federal Trade Commission ( FTC ) Identity Theft Report, XXXX XXXX Identity Police Report, the Fair Credit Reporting Act ( FCRA ), and Fair Debt Collection Practices Act ( FDCPA ).