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

Submitted dispute letter to XXXX, XXXX, and TransUnion using CFPB requesting bankruptcy be removed from credit report as credit bureau did not receive written consent from myself of the originator, US Bankruptcy Court, XXXX XXXX, XXXX, LA. XXXX stated the bankruptcy was verified by XXXX, who is not the originator of the information. XXXX is not the originator of the bankruptcy, it is the storage repository. Multiple attempts have been made requesting XXXX to remove the information. 

IAW the Privacy Act of 1974, XXXX XXXX must have written permission to provide any information concerning an individual to any third party. XXXX wrongfully reported the information without any consent or verification from myself or the Court of Record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account listed on my credit report by a debt collection agency, XXXX XXXX XXXX, collecting on behalf of XXXX XXXX. XXXX XXXX XXXX is the current creditor, but Tate & Kirlin Associates , INC has been sending me letters offering to settle the account. XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX is licensed to collect in the state of Mississippi and therefore I am disputing this collection account. 
The collection account was last reported on my credit report on XX/XX/19.
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, credit repair services, or other personal consumer reports

To Whomever Concern, On XX/XX/XXXX. The Original Creditor AVANT/WEBBANK added a collections account on my credit report per XXXX XXXX XXXX XXXX Upon further research, on XX/XX/XXXX When First Noticing the account. I asked the company XXXX XXXX XXXX in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. AVANT are breaking multiple laws as they have sold this debt 3 times, and each time I XXXX XXXX Has disputed the inaccurate account, In results the account was not verified, and was removed immediately. After the 30 days, but the debt was SOLD TO XXXX XXXX XXXX, and the company put the debt back on my credit report. Im demanded for this account to be removed from my credit report, due to the fact the original creditor could not verify the collections account. AVANT immediately sold the collections account to XXXX XXXX XXXX Without any acknowledgment XXXX XXXX XXXX is also reporting the inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this COLLECTIONS ACCOUNT off my credit report. As I have no association with AVANT/WEBBANK OR XXXX XXXX XXXX XXXX
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 : DPT ED/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion deducted 8 points from my score just because an account closed I had paid off in full. Never missed any payments or late payments. Transunion deducted 8 points from my score because the account closed. It has to close if it's a XXXX balance. I work to hard to get my score high and I don't need no robot taking points off my score when it should be adding. I want my 8 points put back on my transunion account as well as additional points for never missing a payment. This glitch in their system is ruining people lives. I want my 8 points back!!! Thank you. The name of my lender is XXXX XXXX. That's the name of the closed account.
Product: Checking or savings account

I was issued a hardship loan through my work for medical expenses and it was deposited into my Dave banking account last night. Nearly XXXX dollars was then taken from my account by a fraudulent cashapp account that I have never seen before. Over 100 separate transactions were made in a matter of minutes all in different amounts XXXX, XXXX, XXXX, etc. I am so upset that this happened and now Im going through a lot more stress because of this, all the charges are pending and Dave personnel are telling me they cant cancel the pending charges until they are processed which in my opinion is insane. I did not authorize those charges and Im extremely angry with them and the situation. I am burried in dept and cant afford to have this money taken away because of some scammers. Please help immediately!! Thank you - XXXX XXXX
Product: Debt collection

I have been contacted by Premium Assets regarding an account with XXXX. The person contacting me was XXXX XXXX and her supervisor XXXX, this man called my work repeatedly harassed me and screamed at me. I asked him to not call my work and he disregarded me. 
He spoke to my boss about my account. And threaten me about garnishing my wages.
Product: Debt collection

Good afternoon, I contacted the IRS about a debt regarding a tax preparers error in XXXX or at most 2 years prior. There was placement of a student loan on my filed taxes from XXXX. I disputed it with an IRS agent already and it was placed back onto Experian without my permission. According to the UDAAP, this negative report has ruined/ caused delay in building my credit and caused injury to me, the consumer, and my credit history. I want the debts removed/ deleted from my report and I would like to be compensated {$1000.00} for each month that it was reported to collections from the year XXXX to now. Negative reports like these are the equivalent of redlining when consumers are attempting to purchase real properties. The current balances of this false debt are {$2500.00} and {$1700.00}. Both are from " U S DEPT OF ED/GSL/ATL ''. These balances have been re-opened in XXXX, causing even more injury to me, the consumer. 
Please use this report as a means to have them VERIFY/ VALIDATE the debt. I reserve my rights under UCC 1-308 and I need to see a SIGNED INVOICE of this debt and a contract between myself and the IRS / U S DEPT OF EDXXXX XXXX This occurrence is a form of identity theft! These reports can be found on EXPERIAN. Thank you. 

15 U.S. Code 1611 16 CFR 433.2 I originally sent a complaint about this issue on 2/6/2023. It is well passed the required 4 business days allowed to respond to this complaint. 15 U.S. Code 1681c2
Product: Credit card

Under the 15 U.S. code 1692d I was affected by the writer 's strike was out of work for 18months with no income or unemployment. How ever I still made payments until I exhausted all my funds including draining my XXXX. 

The harassment I received up to this account being closed caused XXXX XXXX. Because they kept pressuring me and there was nothing I could do. 
But try to stay alive.
Product: Mortgage

I was told by the lender 2 years ago that my MIP would be terminated when my equity reached 20 percent. The equity in my house is well over 20 percent but they have not terminated my MIP coverage.
Product: Debt collection

This company, I have spoken to several times and agreed to make a payment arrangement. After doing so, I requested they not contact me again. They keep calling to set up the payment I already authorized, calling multiple times a day, often just before XXXX. The agents are extremely rude and blunt and completely unwilling to work with me when I do answer. In addition, when I do n't answer one number or block it they start calling from another. They have been extremely obnoxious and have even contacted friends and members of my family after being requested not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX Credit bureaus are reporting false information in my credit file. More specifically several false inquiries. I have filed a report with the FTC and attached a copy hereto.
Product: Checking or savings account

I received a debit card from Money Lion, XXXX XXXX today XX/XX/2021 I called to cancel the account and ask them who opened it, they would not give me any details. They said they would have their fraud department call me I asked them to use the mail not by phone. I refused to give any additional personal information.
Product: Checking or savings account

Citibank blocked my checking account on XXXX ( XX/XX/XXXX ) because the address on file had been changed. I called and verified the address. The account was unblocked for a couple of days and blocked again without any notice. When contacted, they said that they needed to verify the ID of the joint account holder ( my brother ) but couldnt give a reason why as all documents were presented when then account was opened. He went to the XXXX, California branch of Citibank to unblock the account in person on XX/XX/XXXX and provided a copy of his Driver 's License and Social Security Card. They said that it would be unblocked within XXXX hours. 

On XX/XX/XXXX, I still do not have access to our money. My identity is not in question but my access has been blocked as well so I called and they transferred me to the Remediation Department. The person from the Remediation Department explained to me that the XXXX XXXX had uploaded someone elses drivers license ( someone unknown to us ). We both agreed that was a mistake from Citibank and that they would expedite the unblocking because I did not have access to MY FUNDS. They asked me to email my brothers Drivers License and call them afterwards to have the account unblocked immediately. I did as instructed and when I called them, they verified that they received the documents and would escalate the process to expedite it and that I could access my funds in two hours. 

It is the end of day on FRIDAY XX/XX/XXXX and Citibank is unlawfully keeping me from accessing my funds because of THEIR mistake. They need to be investigated for unlawful practices and, needless to say, they need to release my funds NOW, which I need to survive. 

Furthermore, this is a very serious security breach. They sent someone else 's documents to my account and who knows where my brother 's Driver 's License and Social Security Card ended up. This bank 's practices should be investigated.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : BANK OF XXXX Account XXXX : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$1300.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

Rubin & Rothman have engaged in numerous unethical tactics and behavior that violates all State And Federal Collection practices. 

I recently had an identify theft breach in XXXX and was sent a FREE copy of my credit bureaus. I see that R & R have been running my credit on a monthly basis without my permission and in violation of my rights. 

They appear to have obtained a Judgment without ever serving me with any legal papers and without ever properly putting me on notice of the underlying lawsuit. They obtained a fraudulent default judgment on a debt I am certain I do not owe and now they are looking to collect it knowing that my time to open the default has ended. 

Now that I have discovered the issue I have learned that They have used tactics which violate my privacy by contacting friends and family members on their cell and house phones even after repeatedly being told that the number they were calling does not belong to me. Just last week they called XXXX XXXX ( name to be provided ) on a cell phone that is not mine and and inquired about my employment and said they were looking to collect a debt. She informed them that this was not my number. 

Other family members have alleged the same tactics. They have gathered and used improperly private information about me and about my friends and family members. Family members will attest to feeling harassed by these tactics. 

They have also disclosed to a third party that is not my employer that they have obtained a Judgment against me hurting any opportunity I have to do business with that company. They have also informed my neighbors about my debt completely causing me shame in my community.
Product: Debt collection

checking on my credit report because I am proud that I got it above XXXX and then I became a victim of identity theft. 
In checking on my credit report I found a report from Jefferson capitol systems, without any prior notice from them about it. I find that it would be in the best interest of the consumer if they had gotten in touch with me first. They have all my current information. 
The report was from an erroneous XXXX sprint phone bill being reported in XXXX.
Product: Debt collection

There is illegal collusion between the federal middle district Court in XXXX and Chase Bank. 
In XXXX, a realtor friend of mine warned me that he heard that Chase Bank asked the FBI to get me on " something '' because I refused to answer any of their " Have you stopped beating your wife? " self incriminating questions at their disposition. 
I had never been arrested before in my XXXX  years of life but when the FBI pointed XXXX Glocks ( these guns have no safety and we're inches from my head! ) at me and ordered me to " drop the broom! '' I was holding, I was arrested, handcuffed, leg shackled and taken to jail. 
They told me I had been secretly indicted by a grand jury, that I never saw, and nobody bothered to inform me that I was wanted for bank fraud, ( exaggerating my income on a Chase Bank mortgage loan application ). 
I have a reverse mortgage and social security income of XXXX a year. The XXXX XXXX XXXX XXXX XXXX is taking {$100.00} a month from my social security. I have paid over {$6600.00} so far since I got out of prison in XXXX, but Chase Bank has never answered my many motions to judge XXXX to confirm that Chase received any of my money. 
I have no debts. But my federal judge, XXXX XXXX, put Chase 's XXXX for $ XXXX on my house in XXXX, which is only worth {$200000.00}! 
This XXXX is illegal because Chase Bank never sent me an independent audit proving that they lost XXXX XXXX from my XXXX mortgage foreclosure That's the law requires! 
This Federal restitution XXXX on my homestead in Florida is preventing me from refinancing .Chase Bank never sent me a independent audit ( despite my many requests! ) as a banker informed me, '' They can not just pull figures out of the air and say you owe them this amount! They must give you an independent audit to prove their claimed losses or you don't have to pay them without this proof. '' XXXX XXXX, Chase Bank and XXXX XXXX  also say I owe them the same amount XXXX XXXX for my XXXX foreclosures on XXXX different properties, for XXXX different prices, on XXXX different dates, which is statistically impossible and my judge believed them! 
My many motions to my federal judge to remove his illegal XXXX on my home has resulted in nothing but a veiled threat that the government can seize my home and that my complaint is " trivial '' ( a XXXX XXXX dollar restitution XXXX, Trivial? ) This is a lifetime sentence and is cruel and unusual punishment! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

DEPT OF EDXXXX, XXXX Date opened : XX/XX/XXXX Original balance {$3500.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX Original balance {$3600.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX Original balance {$1000.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX XXXX Original balance {$2200.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened XX/XX/XXXX XXXX Original balance {$2000.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX Original balance {$1700.00} Status : Closed Status : updated XX/XX/XXXX They have and /or are continuing to violate 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.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: Credit card or prepaid card

I applied for a Frontier Mastercard in the last week of XX/XX/2019. I had to call after booking my flight because I was denied in the web application and I knew that was a mistake since my FICO and credit score were both very high and I always pay my bills on time. I was approved when I called and subsequently called back to make sure i was getting the advertised promotion, XXXX bonus miles after a {$500.00} spend within the first 90 days. I spoke to XXXX in the customer service department that day, who confirmed I would be getting XXXX bonus miles, he also confirmed the annual fee of {$79.00} ( which is fine ) and the {$100.00} flight voucher every year when reaching a minimum spend ... It's funny because I was also entitled to the flight voucher within 30 days but my card didn't arrive in the mail before my flight to XXXX XXXX so I basically had to forfeit my {$100.00} .... Already an annoyance but technically not fraud. The customer service agent on I spoke to about my XXXX bonus miles WHEN I OPENED MY ACCOUNT had an identifier of " XXXX '' ( named XXXX ) and I spoke to him at XXXX MST on XX/XX/XXXX via telephone. I asked if he would send me any kind of confirmation of the XXXX promotion and he said there would be no need. Great. Well, the liars and thieves at BarclayCard only gave me XXXX miles and said that was the promotion at the time I applied when I called them yesterday ( XX/XX/XXXX ). LIES. I want them to review the phone call and HONOR what I was TOLD when I called. They refused to let me speak to a supervisor yesterday, hung up on me, and then responded to my online complaint that I don't know what I am talking about. But I demand a transcript of my call with XXXX if they are not going to honor what was discussed. The current promotion is actually XXXX miles so really they're just being cheapskates by not giving me the XXXX. I was supposed to have gotten my first flight for free too ( well, {$100.00} off ... ) but I'm not even complaining about THAT since I get the card in the mail before my first flight so I'm not worried about that ( since those terms were not met ), but I am only worried about the XXXX miles being basically stolen from me and Barclays lying over and over again about it. This is so wrong and I feel so cheated and it is ILLEGAL TO DO THIS.
Product: Credit reporting

I have repeatedly disputed a listing on my credit from XXXX XXXX and all they have posted that was verified. They have not sent me any information or how it was verified. This is a repeated ongoing issue with Transunion and other major credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX has refused to remove the delinquent status of a closed account. An account that was closed over 4 years ago! 
They have repeatedly harassed me and will not remove this fraudulent claim which has affected my ability to get credit and re-finance my home for 4 years!
Product: Debt collection

Ad Astra Recovery is still reporting and trying to collect a debt amount of {$290.00} for a payday loan from XXXX XXXX who already was paid in full directly. Ad Astra needs to be removed from my credit file immediately upon this information. I do not owe Ad Astra any money at all and it is invalid and fraud for them to continue to attempt to collect money for a debt I do not owe.
Product: Money transfer, virtual currency, or money service

I Am filling a complaint against Cash App ( block , Inc ) due inadequate customer and unfair practices, which Consumer financial protection Act ( CFPA ) Specifically, Cash App Filed to take timely action 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 cause significant inconvenience and financial loss, and I Seek redress for these violations.