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

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 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 .... Balance : XXXX ; XXXX XXXX & XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX 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 an alleged identity theft , not later than 4 business days after the date of receipt.
Product: Debt collection

I have attempted to handle this with Medical Data Systems on numerous occasions. Please be advised that this is causing financial damages. Failure to provide an appropriate legal and lawful response will result in further action. Failure to provide such response within 15 calendar days will be constituted as your acceptance that this debt is not valid. 

Please verify, validate and document that I am LEGALLY obligated to pay this alleged debt.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 i sent apartment agent XXXX {$200.00} for application and administrative fees but did not complete an application - they ran my credit without my permission and also refuse to refund application/administrative fees ( for which no application was submitted ) further, i was promised on no less than three occasions that if my application is denied the {$150.00} admin fees would be returned. 

company name : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. XXXX. 

agency they used to run my credit without my authorization : XXXX - XXXX i was informed by XXXX XXXX XXXX on XX/XX/18 that my application was denied, but i did not complete an application nor give them permission to check my credit. then they said that i would not get the XXXX administrative fee returned as per the fine print in the application, again, i did not complete an application .... 

i have made several attempts to contact their management ( XXXX XXXX XXXX ) ( XXXX XXXX and XXXX XXXX at corporate office XXXX ) but they are avoiding my calls. i contacted XXXX XXXX and they refuse to provide me information as to by what authority did they access my credit. a formal complaint was made online on XX/XX/18. 

their unauthorized access to my credit score had the negative affect of lowering it! and their processing an application that i did not complete fails to give them the authorization needed to proceed administrating it ... 

they refuse to return my calls and refund my fees and explain under what authority did they check my credit ( again i did not complete an application )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX Account # XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX violated my federally protected consumer rights to privacy and confidentiality under 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 an account without my written instructions
Product: Debt collection

This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX ) The collection Agency TITAN RECEIVABLES, INC on which is located on XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly. 

This company has caused me so much stress and his ruining my reputation and has violated the following laws.

- 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15
usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$15000.00} for violations of the FDCPA.
Product: Credit reporting

All XXXX agencies are still reporting this entry that was once included in abankruptcy case in XX/XX/XXXX-XX/XX/XXXX. This account is beyond the time limitation. 
Furthermore it was sold to another creditor and now in and good standing. 
This account should be deleted because of this is the same account since XX/XX/XXXX. The XXXX XXXX XXXX. XXXX. I am now with another companytrying to pay my loan and they also have negative entry to the account. Ihave disputed this account with Experian, XXXX and XXXXover a year about this entry but they refuse to delete this account.
Product: Debt collection

Spoke with a representative, as well as two managers on XX/XX/27 regarding a possible settlement offer. The agency attempted to collect more than the minimum amount needed to settle the account. I was told {$580.00} would be the minimum to settle. I was also given a minimum amount of {$680.00}. When I brought it to the representative attention, they refused to acknowledge what was told to me even though they seen it in the notes. Also, I was harassed by XXXX XXXX, a supervisor with your company. Her professionalism was at a zero. She advised me that the company would refuse to accept money. I advised here that any amount of money would be better than not receiving anything, and she told me that its not true. I told her that I was dissatisfied with her customer service, and she advised me that this is collections. I felt threatened, and harrissed by her attitude. Im more then positive that her behavior does not represent Vital Recovery business model. That type of behavior is costing your company money, and putting your company at risk of lawsuits due to violating debt collection laws.
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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

HSBC STOP SENDING ME MY CREDIT CARD STATEMENTS, AND NOBODY AT HSBC PICKS UP THE PHONE. I'VE BEEN ON HOLD OVER 2 HOURS AT A TIME. THEN THEY GAVE EVERYTHING TO A DEBT COLLECTOR, THAT GAVE ME A NEW STATEMENT WITH OVER {$1300.00} INCREASE ON IT. WHEN I ASKED " WHY '', THEY WON'T TELL ME AND ARE DEMANDING PAYMENT. The DEBT COLLECTOR IS XXXX XXXX : As per my conversation with Mr. XXXX XXXX at XXXX on XX/XX/2019, I had indicated that I need to see copies of the Statements for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, since none were provided to XXXX XXXX. I also need to know why there was a difference of over {$1300.00} on the account from our last statement of XX/XX/XXXX to XX/XX/2019, when the card was not even used. As per my conversation today with Mr. XXXX XXXX, he indicates that I never brought up the issue of {$1300.00} difference. Without this information, no individual can do a proper settlement. This is unlawfully holding back important information regarding about the account. Neither HSBC nor XXXX XXXX are helping with this matter. Mr. XXXX indicated that HSBC will settle at " 50 % '', but 50 % of what? With an wrongful higher number, then ofcourse the settlement will be higher. With a proper number, then the amount would be lower. Note, HSBC has destroyed my credit report, purposely, and the lack of the information requested shows negligence on XXXX XXXX ' part.
Product: Student loan

On XX/XX/XXXX at XXXX I spoke to an employee at MOHELA for 23 minutes who advised me my loan would be in forebearance for 12 months. I then started getting past due bills from MOHELA. I spoke to a representative today XX/XX/year> for 28 minutes who stated she was in training and could not see a forebearance in the system. She then gave me the run around and stated I needed to pay. She then said she would transfer me to a supervisor and hung up the phone. And supposedly ALL calls are recorded so I hope they listen
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/year>
Product: Checking or savings account

I am reaching out regarding a moving service I scheduled with XXXX XXXX  on XX/XX/year>. The agreed-upon price for the service was {$620.00}, which included a {$100.00} deposit I paid upfront. However, after my belongings were delivered to my new apartment, the movers refused to unload my items unless I paid an additional {$1300.00}. This brought the total cost to $ XXXX than double the agreed amountdespite the move being completed within the originally agreed timeframe and with no additional items added to the load. 

After paying the coerced price of {$1400.00}, I received an email from the company that stated the additional charged amount would be refunded to my card ( see attachment ). When I didn't receive the refund from the company, I filed a dispute of the charge with Wells Fargo who issued a provisional credit of the amount is dispute. Now the provisional credit has been reversed. I am due a refund as the company has abused my card by not refunding the over charged amount as they said would happen. 

This unexpected demand for payment felt coercive, and I have since discovered that other customers in the area have reported similar practices by XXXX XXXX, as documented on XXXX and through complaints filed with the XXXX XXXX XXXX  : XXXX Reviews : XXXX XXXX XXXX XXXX Complaints : XXXX XXXX XXXXXXXX I attempted to dispute the overpayment with my bank, Wells Fargo, but the claim was ultimately denied by XXXX. Based on the attached documentation, I overpaid {$770.00}, which includes the original {$100.00} deposit. I am seeking a resolution and a refund for this over-payment. 

Please find the attached file detailing the calculations for the over-payment. I kindly request that the difference be refunded to my account.
Product: Credit card

Ebay listing RE : XXXX clearly showed Paypal credit as a payment option. When I went to checkout the option was not there. I pressed the Paypal button and no Paypal Credit option. I pressed Paypal and was not transmitted to my Paypal account to select Paypal credit. Instead my bank account was illegally accessed and {$150.00} withdrawn by Paypal. This has happened before with Ebay where there was a glitch in their system. I contacted Paypal credit and was not able to resolve this with them. They insisted that the seller did not offer Paypal credit despite the fact that their listing clearly shows Paypal Credit. I notified them that I would be registering an attorney general complaint. If still not resolved we will seek legal counsel.
Product: Debt collection

Account Name : CAPITAL ONE Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX keeps closing cases without investigating file submitted. I am ready to file legal action as previously stated when I call they never help correct inaccuracies due to mixed account. Then when I try to use the site I can not be authenticated or verified due to mixed accounts SO AGAIN I DO NOT HAVE ACCESS TO PROVIDE SPECIFIC INFORMATION BECAUSE I DO NOT HAVE ACCESS TO MY CREDIT PROFILE. 

FOR THE INCOMPETENT PERSON WHO KEEPS ERRONEOUSLY CLOSING THE CASE WITH FALSE RESOLUTIONS THAT HAVE BEEN PREVIOUSLY DOCUMENTED AS NOT EFFECTIVE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XX/XX/XXXX head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXXXXXX XXXX Card Date Opened XX/XX/XXXX Balance {$450.00}