23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CACH LLC has default judgment against me for a XXXX XXXX Credit Card debt. I was XXXX served or notified I had been sued and a lawauit pendingpending. Had I received notice I would have responded! I would have disputed the debt, /collection practices, business accounting errors and amount owed and refusal to credit payments and/or requested mediation. Would have done anything to prevent a default judgment against me!? It was a debt incurred only by dental work I needed. My dentist promoted and signed me up for XXXX XXXX XXXX I had no dental ins or any other way to pay for dential necessities such as XXXX etc. Dentist required payment in full at time services were rendered! I had no other way to receive dental care! this acct was opened in XXXX! Over the years XXXX reported me as late or a payment not received ( in error ) which affected the cc agreement, terms and int rate. They changed terms of agmt during a hardship agreement and XXXX int and more, late fees, penalties for making min amount payment due. They agreed to in hardship agmt..Acct closed XXXX and last payment I made was XXXX XXXX. Charged off different amount. lawsuit amounts were exceedingly more and did n't notify me at all of judgment which just learned of through aa recent notice of appt of receiver to garnish my accounts which can remain in place forever. This was 7 years ago and I really do n't have anything to garnish. I have kept good financial records.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 Section 604 A Section 2 : As a consumer Equifax/ reporting agency can not furnish an account without my written instructions. YOU DO NOT have my permission. 

Please DELETE ALL HARD INQUIRIES and accounts that are reported incorrectly.
Product: Payday loan, title loan, or personal loan

I was told my loan was been processed for disbursement on XX/XX/XXXX. Every day since day of processing, my account has been accumulating interest even when no disbursements have been made. I have contacted the credit card companies who have stated they have not recieved any funds from FreedomPlus and does not see anything incoming as of XX/XX/XXXX. I have contacted FreedomPlus to request documentation that the loan was disbursed in order for them to charge interest. I was told they could not provide any such verification. They have refused to remove the interest off of my loan even though they have not disbursed funds. I told them I starting to feel like this is a scam and to please cancel my loan if they will not disburse. I have received no communication regarding the cancellation of my loan ... no follow up to any of my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is refusing to remove a Chapter  XXXX  bankruptcy record fro m 2009 that I di d not file. It has a reference number of "  XXXX  ''. I have never filed for bankruptcy in my life. Money has never been a problem for me and my report clearly shows that I have never had any difficulties making payments on my debts. I have disputed this error with Transunion numerous times but they have continuously ignored my disputes as frivolous without properly addressing my claim. They say the bankruptcy record has been verified but my report clearly shows that there have never accounts on my report that have been " included in bankruptcy ''. How can I have a bankruptcy on my report if there are n't any accounts that show they were included in bankruptcy? I manage my finances responsibly so it is unfair that this blemish and error in reporting by Transunion continue to occur when no factual evidence can be provided as validation.
Product: Checking or savings account

The check attached was supposed to be re issue so it can be cashed and the bank has fail to do so. Banks is bank of the west with routing number XXXX This bank was merged with BMO recently I believe.
Product: Credit reporting or other personal consumer reports

An account for XXXX was opened in my name, using my bank account and personal identification information. I first was made aware by the bank, then later discovered several accounts that were opened with my name. One of the accounts was XXXX which was reported on XXXX Equifax and possibly XXXX. I then made a new police report to include all information I had about the account and submitted that along with the identity theft affidavit provided by uplift. I have been calling and leaving voicemails and emailing to be able to speak with a human with no response from XXXX. However, the company continues to respond to the credit bureaus by updating the fraudulent account to show a XXXX balance which was paid once the bank finished their fraud investigation and refunded me for fraudulent activity. 

XXXX will not work with me to resolve this complaint. The company continues to report false information even after I did everything they asked me to do to resolve it. The company is negligent and it appears that further legal action is required to resolve this matter.
Product: Mortgage

I was trying to communicate with Mr. Cooper who recently became the new servicer of my loan that a payment was made on XX/XX/XXXX towards the XX/XX/XXXX due date to the old servicer XXXX XXXX Bank. I made a payment on XX/XX/XXXX intended to go towards the XX/XX/XXXX due date. The Mr. Cooper account applied it to the XX/XX/XXXX due date. After trying to contact them multiple times via chat ( and having their live chat fail with no way to rejoin or see the log ), I sent an email with the previous statement to XXXX. They responded that the issue was addressed via live chat ( it wasn't ) and reiterated the next due date is XX/XX/XXXX. 

I attempted to call Mr. Cooper, which resulted in a call system with an automated assistant. The assistant refused at every level and every option the ability to speak with a live agent, making it literally impossible to contact the company. This issue that is created entirely by third party companies has now wasted hours of my time because of the poor practices and processes setup by Mr. Cooper. Their software system works well for things that are standard, but anything that actually requires communication is intentionally blocked by their design.
Product: Credit reporting or other personal consumer reports

I have sent out several complaints about XXXX XXXX XXXX  who are engaged in unfair, deceptive or abusive acts or practices ( UDAAP ) in violation of the Consumer Financial Protection Act ( CFPA ). They have repeatedly destroyed my credit score by falsely reporting me late just to turn around and make corrections to their fraudulent billing. My credit score has taken a big hit because of this which means I can not get approved for anything based on my score and there needs to be a stop to this. Experian, XXXX and XXXX should not allow this company to keep making these recurring violations. I received a notification XX/XX/year> from XXXX that my XXXX lost an additional XXXX points because XXXX XXXX XXXX  has reported me 60 days late in the amount of {$1000.00} which is inaccurate, when they STOLE my car because it was not in repossession status. I haven't had the car, and they are still reporting me late on my credit report and have removed my account from the customer 's portal to even make any future payments. They're in complete violation of the FCRA by reporting inaccurate information on my report. My credit score is truly damaged because of them and after they made their corrections in the past, I still have not received the points that I lost due to their unfair deceptive and abusive acts and practices. This company would take your car note payment and apply part of it to the XXXX and then report you late for the entire car note plus late fees which they in fact owe me. XXXX XXXX XXXX continues to report inaccurate information with knowledge of errors. They reported me 30 days late XX/XX/year>, made corrections XX/XX/year>, then I noticed they removed my account from the online portal XX/XX/year> and " repossessed '' my car between XXXX XXXX. My car is not in repossession status. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

15 U.S.C. 1681s-2 ( a ) ( 2 ).
Product: Money transfer, virtual currency, or money service

HI please cross refer to cases XXXX and XXXX ABRA have said that I need to change jurisdiction however they have not said how to do that as I also live in XXXX, they have told me to use XXXX however this does not show you how to do it They are being really evasive on how I can retrieve my bitcoin. Please leave this case open until they provide exact instruction on how to do this and allow me some time to check that their instructions actually work
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2500.00} ; XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

There were XXXX unauthorized XXXX payment transfers on my Chase account, amounting to a total of {$580.00}. I contacted the Chase fraud department and they added temporary credits during investigation, but then removed the credits after they thought that the transfers were authorized. In the Chase notice it said that I could request the information that they used to reach that conclusion. When I messaged Chase to request this information, I was told that they could not actually provide any of the documents. I am missing the {$580.00} from my account that was fraudulently sent to XXXX XXXX recipients that I do not know or recognize ( recipients named " XXXX  '' and " XXXX '' ).
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated XXXX XXXX Date Opened : DATE XX/XX/2002 I don't have contractual relationship with this company. I don't recognize this Account. Please provide me the name and address of the original creditor. 
Account NumberXXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Tennessee, Contracts, oral or written, and Promissory Notes have a statute of limitations of 6 year
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 
By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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 I was also wondering if you were familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX of XXXX  without a XXXX and the XXXX were dropped, and checkr reported to XXXX that I was XXXX this is not true
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report. To date, I have not received any response from TransUnion. I am hereby providing the details of the inaccurate information and the required corrections : The following account is not mine : Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$720.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1300.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$660.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from my credit report.
Product: Debt collection

I received excessive amounts of phone calls and texts from National Recovery Agency stating that I owed a debt for {$640.00} a utility bill. I informed National Recovery Agency that I am not responsible nor do I claim this debt. I sent a letter requesting full validation of this debt to ensure accuracy. I also sent a cease and desist letter after not once receiving validation of the account yet I continue to receive both phone calls and texts messages. I am not liable for this debt and do not have a contract for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

They verified the account but never addressed the illegal and unlawful activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for method of validation To Whom It May Concern : I recently received a response to a CFPB complaint that I made under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) ) regarding the validation of the below accounts which you show as validated and belonging to me on your records. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am extremely interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. All previous letters and documents that I sent to you attached along with this correspondence in order to help you process this request. I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the item in question permanently expunged from my record. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Acct XXXX XXXX XXXX   XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error ). 
Upon conducting a XXXX XXXXXXXX XXXX  credit history, I discovered a substantial number of billing issues under 15 U.s. code 1666 b, Se billing errorD. 
( 4 ) The XXXX XXXX XXXX XXXX XXXXXXXX obligation payment or credit that was given to the debtor on a statement. It XXXX | ( 5 ) A computation error or other similar accounting error on a creditor 's statement. 


I recently pulled my credit report from XXXX and noticed that, XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account XXXX XXXXis reporting late. I was not late .Please update these accounts.
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the inquiries that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX.
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, Cashapp failed to take timely and efficient measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive, as they did not comply with error resolution or requirement under the Electric 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: Debt collection

I was looking online and found a Motion for Default Judgement for failure to appear in court. It is noted that I was served at an address I have not been in the vacinity of for nearly 2 decades. I believe this to be an attemp to prevent me from disputing the debt by purposely sending mail and court inormation to a place that I do not reside. These individuals are using unscrupulous, deceptive, and probably unlawful tactics to obtain a judgement for money I do not owe. Filing a complaint with the Indiana/Ohio Bar Association is next.
Product: Debt collection

I am not liable for this debt. 

The original creditor owes me. 

I have no contract with the collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX  deleted this account how did they delete it if you verified it with XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

My address is incorrect. It is reporting XXXX addresses and I have a XXXX address. I have disputed on XXXX and XXXX and they are removed but Experian is still reporting.