23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving phone calls at any time of the day while at work or at home for a medical debt that is for someone else with the same name as mine. We are now up to about 6 or 8 phone calls where I have notified them that this is not my account, not my middle name, not my ssn, and not my debt. On every call, I asked them to take my information out of the file for this account. Every call they have told me they are not the one I spoke with last call so they had no idea. Every call I have asked them to document that they are calling the wrong person and they said they would do that. This company clearly has not done that which has resulted in ruining my attitude at work and is affecting my productivity. This is harassment, which I have notified them that I would be issuing a complaint about. This company is AIH Receivables : Medical Debt Collection XXXX XXXX  Kansas. 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.

The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to follow my state state purge law which states collections or charge off accounts should be removed 5 years from first date of Delinquency instead of 7 if the account has been fully satisfied or paid off. XXXX and XXXX  automatically updates their system to purge paid accounys which two of my accounts from XXXX XXXX and XXXX XXXX   have been removed these accounts are supposed to be removed Experian declines to help or transfer me to a supervisor to seek a remedy Details about the state 5 year purge law New York State General Business Law Section 380-j ( f ) ( 1 ) Except as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information.

( i ) bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than fourteen years ; ( ii ) judgements which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period ; or judgments which, from date of entry, having been satisfied within a five year period from such entry date, shall be removed from the report five years after such entry date ; ( iii ) paid tax liens which, from date of payment, antedate the report by more than seven years or, a paid, satisfied or vacated tax lien involving a purchaser, transferee or assignee in a bulk sale transaction who has been deemed liable by the state tax commission for sales taxes due from a seller, transferrer or assignor under subdivision ( c ) of section eleven hundred forty-one of the tax law, where the receipt by a credit reporting agency from such purchaser, transferee or assignee of a notice, or true copy thereof, from the state tax commission to such purchaser, transferee or assignee that his liability has been wholly paid or satisfied or no longer exists, antedates the report by more than thirty days ; ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ;
Product: Credit card

Refer to the attached documents. I want the bureau to initiate an investigation into these accounts. Although I am never late, they are reporting me as such.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a account opened at XXXX XXXX XXXX {$8600.00} on XXXX the account number XXXX, an a collection opened at XXXX XXXX XXXX $ XXXX XXXX the account number XXXX, and another account opened at XXXX XXXX XXXX XXXX XXXX XXXX {$000.00} under the account XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX.. 

Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Date of Birth : XXXX CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/2022, Location XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, Phone ( XXXX ) XXXX, Inquiry Type Individual, Alert Id ; XXXX is a fraudulent hard inquiry that was not done by me. I have contacted both Transunion and XXXX XXXX XXXX about removing this from my report with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Consumer Financial Protection Bureau, In XX/XX/XXXX, I received a mail offer from XXXX  XXXX saying I was prequalified for a credit card. I submitted my information through an online portal and was approved for a credit limit of {$400.00}. 

In XXXX I used the card to make one purchase for around ~ {$110.00} and when I went in to pay my bill, I noticed that there was an extra charge added. After calling the company, I was informed that it was a yearly fee for the card. I think it was around {$50.00} or so. 

I am very aware of these kinds of fees because I also opened up a XXXX and XXXX XXXX card around the same time. 

After much deliberation and escalation, I paid off the one purchase I made and closed the card because : XXXX ) I was not aware of the yearly fee XXXX ) It was not mentioned in the flyer or the online application process. 

The tier 2/3 customer support representative said the yearly fees would be waived and at that point, I thought this situation would be over. 

After 1-2 Weeks XXXX XXXX called me up to 10 times per day for nearly 2-3 weeks. When I asked what was going on, they said the yearly fee had not been waived and they also added on multiple charges/late fees. 

Please note that at this time, the account was supposed to have been closed but the customer support agent insisted that I have to pay. 

Somewhere between 50-60 ignored calls later for which they harassed me up to 10 times throughout the day ( even after I had told them that the situation, the next day a new agent would call me ) Finally, I got fed up on a phone call with them and went through the whole cycle again. 

Same story : late fees, services fees, and extra charges. However this time I told them if they didn't stop calling me I would sue them for harassment. 

They stopped the calls, but are now reporting the debt to credit reporting agencies and as of today ( XX/XX/XXXX ) the charges have gone up to {$68.00} and delinquent. 

At this point, I googled what to do and found your agency. I would like to bring up XXXX points of contention with XXXX XXXX XXXX ) Mismarketing their offer in their flyers/application process and deliberately withholding that there is a yearly fee associated with their credit card. 
XXXX ) Harassment by calling me nearly 10 times per day over 2-3 weeks, even after having a discussion and being aware of the situation. 
XXXX ) Adding random late fees and charges to my closed account with them and reporting the balance as delinquent to credit reporting agencies. 

I am XXXX years old and have been good at paying back my debts over the years. Student loans, other cards, car loans, utilities, etc. However, this reporting is now affecting my credit score and is frankly not fair. 

If you could please help me resolve this, I would like to put it behind me and move on with my life having learned a lesson.
Product: Credit reporting or other personal consumer reports

Zales reported my account 30 days past due for the XX/XX/2023 payment. I made the XX/XX/2023 payment on XX/XX/2023. I have never made a payment more than 30 days past due and this should have been reported. They explained to me that once my payment due on XX/XX/XXXX wasnt paid on the actual due date, they generated a new statement on XX/XX/XXXX saying basically XXXX payments were due on XX/XX/XXXX. Well, I made the XXXX payment on XX/XX/XXXX so while there statement did call for XXXX payments on XX/XX/XXXX, I made the one that was currently due ( XX/XX/XXXX ) and paid it on XX/XX/XXXX. That was only 9 days past the due date and was not more than 30 days late. I have attached proof of my payments to reflect that I have never paid any payment more than 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : US SM BUS ADMIN ODA XX/XX/XXXX : Account Name : XXXX XXXX Account # : XXXX High Balance : {$750.00} Account Name : XXXX XXXX Account XXXX XXXX XXXX 15.U.S.C 1681 section 602 A States i have the right to privacy.

15. U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish An Acct without my written instructions.
Product: Vehicle loan or lease

On XX/XX/2019 our vehicle was in an accident the insurance company totaled the car out the Principle loan balance as of XX/XX/2019 was {$23000.00} XXXX XXXX paid out {$15000.00} Gap Insurance paid {$3000.00} the Lienholder/finance company says I still owe {$6300.00} & is now reporting to my credit after those other payoffs of that balance & says it is a Open Active non Collateral Loan I asked if they can send me the contract I signed they stated that it was not in the contract. The interest on the loan is 27.29 % XXXX  per day interest. During the loan Total Principle paid for 1.5 year payments was around {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to test drive a XXXX XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit scorXXXX. The company is requesting that they be removed and now I 'm asking that they be removed!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I made an uninformed decision on XX/XX/2021 when I entered into this consumer credit transaction pursuant to 15 USC 1601 ( a ). I did not understand the agreement because it was not clear and conspicuous. The informed use of credit results from an awareness of the cost thereof by consumers, an awareness I do not have.

Pursuant to 15 USC 1601 ( g ) ( 2 ), The term creditor is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of evidence of indebtness or, if there is no such evidence of indebtness, by agreement. Due to the fact that the agreement is not clear and conspicuous, that makes it null and void. The only evidence of a debt was the agreement, but that agreement is null and void because I made an informed decision. I did not understand the agreement because it was not clear and conspicuous. 

Pursuant to 15 USC 1601 ( k ) the consumer must receive adequate notice. Adequate notice means a printed notice to a cardholder which sets forth pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to notice it and understood it's meaning.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay I want to start by saying I don't understand why this agency consumer finance do not take more legal action against Credit Acceptance they have to have numerous complaints against this company because they deliberately tried to destroy people Credit and report false information on people 's credit report, the lawsuits about this company is horrifying lawsuit on top of lawsuit why is this company still being able to remain open this is horrible I had a car with these people back in 2019 it was totaled I paid on it for a whole year prior insurance paid the value of it I'm not paying them anymore money they keep adding to the balance on my credit report and I feel that it's illegal to keep adding to a balance and you know longer possess their property I thought that this agency handling this was more affiliated with Washington because I just don't think that this agency consumer financing bureau can really do much, all the years that these people have taken advantage of the public something needs to be done to this company to be shut down I want to really take this to Washington because it's apparent something is not getting through, this can't be possibly be right to be treating customers like this and you are still open you can barely find a positive review on these people this is really bad and I'm sick of them posting slight increase after increase on my credit report I have found so many complaints against this company and nothing has been done it's falling on deaf ears upon investigation they have been sued a million times civil lawsuits everything you can possibly imagine and they still remain open something is not getting through to shut this company down after I submit this I want to go to a higher authority because the proper help is not being done against them, this should be against the law to treat consumers like this and for the life of me I'm going to keep posting and posting until something is done about this someone has to stand up against this harassment
Product: Credit card

This complaint is in response to the closed XXXX. It took 30 days for Barclays bank to respond. It appears that after 30 days researching the matter, the fraud dept figured that they need the back side of the ssn card. As a common courtesy and more so from a highest office of the co ( XXXX 's office ), the spec could have picked up the phone and could have made a call requesting additional information. The spec representing the office of the president has to work above and beyond from an ordinary phone spec. Staff working at the Office of the president of Barclays Bank clearly lacks basic customer service skills. After the complaint was closed, I received additional emails asking me to create an at an online at XXXX. Not sure what was the purpose. However I chose not to do so. 
I have provided the back side of the ssn card.
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 proces 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 XXXX financial loss, and I seek appropriate XXXXBlock, 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 card or prepaid card

On XX/XX/XXXX and XX/XX/2018, I requested that my Fifth Third Bank access 360 prepaid card and Trio credit card be closed. After several hours on the phone with the company and multiple Representatives, they have refused continually to close my credit cards. They state that they require my physical presence in the branch, which is not feasible because the nearest branch is over 500 miles away. There is no indication in any terms or conditions referring to or stating that I am required to be present in the branch to close a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX in regards to a notice of data breach and my personal information being stolen, compromised and used. The following accounts currently listed and showing on my Experian, XXXX and XXXX XXXX credit report are all from the XXXX XXXX XXXX XXXX, fraudulent, unauthorized and not my credit card or personal loan accounts : Destiny Card : XXXX, Indigo Card : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, Affirm Loan : ID : XXXX, ID : XXXX and ID : XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX