23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I don't know what's going on here. On the XX/XX/XXXX I filed a complaint against IC systems because they were trying to collect money I didn't owe and was never notified about. IC systems responded to the complaint through your portal saying they sent me a letter explaining what steps took place or their results for my complaint. They did this because in their response they said they couldn't verify who registered this complaint? 

I've been waiting patiently for this notice to arrive in the mail and it's never arrived. Now I am REALLY ANGRY. The whole basis of this complaint was the fact a collection was placed on my report without my knowledge. No notification was ever received by the creditor whom I left in good standing nor the collection agency. Now I receive what is a RIDICULOUS response to this complaint by the same collector saying they can't respond to me through this portal because they can't verify who I am but will instead send me a notice that I have been eagerly awaiting to no avail. Is this what a complaint to the C.F.P.B. looks like? Consumers file complaints that never get answered or resolved? Collectors can just write responses akin to a " bait and switch '' tactic? I am filing this complaint because IC Systems should not be allowed to just leave this complaint unanswered. The case number to my previous complaint is XXXX-XXXX. 

IC Systems should know better than this. They have my address which was provided to them numerous times in my conversation with them on XXXX. They have now had ample opportunity to send me what they said they would. Because I have not received anything from them EVEN after I have called to complain to them and filed a complaint to your bureau, I consider this proof they are not providing me with any notices and are now willfully disobeying the law and your bureau. I am being serious here. Do I really have to spend time and money to sue them over a collection this small which was never handled properly? If the answer is yes, then I will gladly do so. I will not allow them to jeopardize me obtaining credit on favorable terms or with higher rates for several years. I am filing this complaint so you know what IC systems is doing and so you can possibly look into their practices. If they are blatantly doing this to me, how many others are they doing this to?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Experian for Failure to Correct Inaccurate Late Payment Reporting Dear CFPB I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correction dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies persist, violating provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : High Balance : {$38000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX ( XXXX and Experian ), XX/XX/XXXX ( XXXX ) Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Account Type : Auto Loan Payment Frequency : Monthly Two-Year Payment History : XXXX : Late payments reported from XXXX to XX/XX/XXXX and XXXX to XX/XX/XXXX. 
Experian & XXXX : Late payments reported from XXXX to XX/XX/XXXX, XXXX and XX/XX/XXXX, and XXXX to XX/XX/XXXX. 
These late payment entries are inaccurate and conflict with the actual payment history I provided in my previous disputes. 
FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are required to ensure the accuracy of the information in consumer files. Despite providing evidence to correct these inaccuracies, Experian failed to conduct a reasonable investigation and update my credit report accordingly.

TILA Violations : 15 U.S. Code 1666b mandates that creditors send periodic statements at least 21 days before the payment due date. The reported late payments suggest noncompliance with this requirement, resulting in harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide accurate and timely statements to prevent unfair penalties. The continued inaccurate reporting indicates noncompliance. 
Desired Resolution : I am formally requesting the following actions : Immediate removal of the late payment notations for this account from my credit report with XXXX, Experian, and XXXX. 
Written confirmation of the corrections made to my credit file. 
Failure to resolve this matter promptly will compel me to escalate my complaint, including pursuing legal action and filing additional grievances with the Federal Trade Commission ( FTC ) and other relevant agencies. 
Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had Wells Fargo for not that long always was getting hacked and people were able to purchase without me knowing and it sent XXXX to the wrong person through XXXX and was never able to get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

When I originally got a bill and saw the amount I disputed it with the company and the credit bureau I never charged a cell phone bill for over XXXX When I contacted the company XXXX directly they said they couldn't help and nothing they could do..maybe was too old not sure. I then disputed it with the credit bureau and gave as much info as I could ... No resolve and this is still under my credit profile for over XXXX and states will be till 2025... I feel upset because I have tried resolving the issue but no avail ... just occasionally receive the collection letters that I have no intention on paying cause I didn't incur them nor do I have the means. Obviously impacting my score negatively and Impeding me to mend the rest of my credit. Please assist
Product: Credit reporting or other personal consumer reports

My Transunion credit report has an unauthorized inquiry from XXXX XXXX XXXX XXXX dated on XX/XX/2022 that I want removed. Ive spoken to them in the phone several times and they agreed that they have no accounts associated with my SSN and that I should contact the credit bureau directly with assistance in removing this unauthorized inquiry. Transunion said they dont have the option to notify this lender to remove the inquiry because it is more than a year old.
Product: Student loan

Navient is the loan servicer and even though a letter of cease and desist was sent to them indicating to contact us by mail only, they continue to call daily. Sometimes multiple times daily. This is clearly harassment.
Product: Mortgage

In XX/XX/XXXX, Planet Home Lendimg lost some payments that had been made to them making my mortgage delinquent. This started a series of issues that have now put us at $ XXXX behind in our payments and we are now facing foreclosure as of XX/XX/XXXX. We attempted to renegotiate our mortgage beginning in XX/XX/XXXX and recived the determination of thier decision on XX/XX/XXXX. I intend to request a deferment, but based on the reviews of this company I am not very optimistic that I will be successful in negotiating this. My account is also locked so even if we had the ability to pay the amount in full we have no way of doing so. My husband and I are not the only military family who have had issues with this lender, there are hundreds of reviews on the BBB page for this company stating similar issues especially for military personnel and veterans. This is predatory lending and it needs to be stopped.
Product: Debt collection

I do not owe this company. I understand this company is a debt buyer. Im asking this company ceast and defrain. Im dispute the validation of debt.
Product: Debt collection

XX/XX/XXXX I received a letter from Debt Recovery Solutions stating that I owe them {$350.00} for a XXXX XXXX payday loan that was paid XX/XX/XXXX. Myself and my relatives have been receiving phone calls threatening lawsuits and letters from multiple companies regarding this debt and despite paying it, I keep getting letters and phone calls. The letter from DRS offered a settlement so I called and paid the {$280.00} hoping that paying a second time would stop the phone calls. Shortly after paying these people a company named XXXX XXXX XXXX calls and says they are filing a civil complaint against me regarding this XXXX XXXX payday loan. I called XXXX XXXX who stated that the debt was sold to XXXX XXXX. I filed a XXXX  and CFPB complaint against XXXX XXXX because I contacted them XX/XX/XXXX about the same issue and I received an email from XXXX XXXX stating that my account was closed and I would not receive anymore calls regarding XXXX XXXX. XXXX XXXX responded with the following, MESSAGE FROM BUSINESS : RE : XXXX XXXX Please be advised that your account status has been updated to settled in full, it no longer carries an outstanding balance and is now permanently closed. All necessary parties have been notified of the issue and will cease all/any further attempts to contact you regarding the account. 

The error was caused due to a technical issue during a data upload but has been fully addressed to correct the status of the account. 

We apologize for the inconvenience caused by account error. 

If you wish to discuss the status of your account or want further detail or elaboration, one of our team members will reach out to you at your convenience. 

On XX/XX/XXXX, DRS refunds XXXX to my checking account thats associated with the debit card I paid them with, and on XX/XX/XXXX posts a collection account on my credit report for XXXX XXXX. I want it removed and I want to know why it was placed on my credit report.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Cash App attempted to avoid many of its investigative obligations through tricking consumers with its Terms of Service. For example, many Cash App users link their bank account to the app. When a transaction occurs, the money is pulled from the users bank account and sent to the transaction recipient. In Cash Apps Terms of Service, consumers are led to believe that disputes are the responsibility of their linked bank. The Electronic Fund Transfer Act generally requires that peer-to-peer platforms, including Cash App, investigate disputes of unauthorized transactions, and a company can not simply use fine print to escape these legal requirements. When it did conduct investigations, Block used intentionally shoddy investigation practices to close reports of unauthorized transactions in the companys favor.
Product: Debt collection

I have been harassed by a company named XXXX XXXX XXXX. XXXX. They're calling about a debt with HSBC ( acc # XXXX ) that dates back to XX/XX/XXXX. They're calling my family, my employer and I average about 30 calls a day from them. EVEN THOUGH I told them on XX/XX/XXXX to " cease and desist ''. I called them AGAIN today and asked them if they knew about the FDCPA? THEY HAD NO CLUE. They also claim they have another account in their office for XXXX XXXX? ( account # XXXX ) from XX/XX/XXXX. I asked them on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX to STOP CALLING and they still call! I've asked if they keep notes or they record their calls? THEY hung up on me! PLEASEEEEEEEEEEEE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2021 Creditor : XXXX XXXX BANK XXXX XXXX Date : XXXX XXXX, 2021 Creditor : XXXX XXXX BANK XXXX XXXX Date : XXXX XXXX, 2021
Product: Checking or savings account

in my Paypal credit i have a Case opened with them XXXX XXXX XXXXXXXX for a purchase from XXXX where the seller has send me a XXXX phone which wasn't authentic and that's why i opened the case with paypal - resolutions center and based on the email received from paypal they asked me to send the product back to the seller which i very much did. Now that product shows very much delivered back to the seller via XXXX but now paypal says that they are denying my claim only because i di n't selected a XXXX which took the signature of the person as this was more then a XXXX $ product value. common still it's not the thing that i haven't selected that sort of XXXX i am penalized and ask to pay the amount despite of sending the faulty product back to the seller. it is very much evident from the USPS tracking that the seller has very much got the product back and i am not liable to pay any sort of money for this at all. Which i am very much not doing so even paypal or XXXX are not able to resolve this. I am going to file a lawsuit against them or they can send me " IN WRITING '' confirming that their seller has not got this back and then i can even go ahead and initate a police complaint and ask a XXXX XXXX XXXXXXXX XXXX inspector to step in and investigate the matter of fact that their seller is lying  ok. I am very much positive and confident because that seller has even listed that phone send back on his XXXX listing page which i very much saw as well. So this is going to be a very tough claim for giants like paypal and XXXX to fight for if i am initiating this as a legal way to sort then. One last time i am trying to approach them via this Consumer complaint to see if this can be sorted " out of court '' then.
Product: Debt collection

XXXX is continuing to report 2 accounts onto my credit file that does not belong to me. I am a victim of identity theft and the accounts are a direct result of identity theft. I have never had any obligation or any contract that binds me to owe XXXX or any company that it represents. I have never received any communication from XXXX that informs me of these accounts that would have given me my right to dispute the validity of each account. These accounts in the amount of {$1900.00} and another one in the amount of {$1200.00} DO NOT BELONG TO ME. I am a victim of identity theft. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
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

customer service would not help and take care of the negative inquiries reporting to my credit report in which was caused by a glitch in trans union system. I was victim of their " inquiry issue '' and they have still yet to fix the problem which was caused by their end. 

XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX I Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XXXX Finance XXXX Show Details XXXX Banking XXXX Show Details XXXX Finance XXXX Show Details XXXX Miscellaneous And Public Record XXXX I Show Details XXXX Oil And National Credit Cards XXXX Show Details XXXX Finance XXXX Show Details XXXX Finance XXXX Show Details XXXX Banking XXXX Show Details XXXX Automotive XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Finance XX/XX/XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Finance XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XXXX Banking
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all credit bureaus and asked to have a public record which is my bankruptcy removed due to the new law dealing with Transunion and public records, I requested for the public record to be removed and that was 49 days ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX  Account Number : XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was hospitalized for an extended period In late XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with XXXX XXXX to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted XXXX XXXX and the reporting agencies. XXXX XXXX long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.