23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For over a year, I have been subjected to continuous threats via email, text messages, and phone calls from this company. The nature of these communications has been aggressive, intimidating, and has caused me significant mental anguish. 

On XX/XX/year>, I exercised my rights under the FDCPA and sent a formal Cease and Desist letter to Global Solution Biz LLC, demanding that all further contact cease immediately. However, instead of complying, XXXX XXXX responded by rejecting my request and escalating the threats against me. 

This ongoing harassment has not only been distressing but has also negatively impacted my mental and physical well-being. I believe this behavior constitutes a clear violation of my rights under federal law, and I request immediate investigation and enforcement action against Global Solution Biz LLC . 

I have retained records of all communications, including emails, text messages, and call logs, and I am prepared to provide them as evidence if needed. Given the severity of this situation, I urge your office to take swift action to stop this unlawful conduct and hold the responsible parties accountable. 

Please confirm receipt of this complaint and inform me of any next steps. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX  XXXX Balance {$1800.00} XXXX XXXX Balance {$1700.00}
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/2023, I fell victim to multi-layered scam operation run by XXXX  XXXX  which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).
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. 

I told the Experian and XXXX, to reinvestigate this account : Account name : XXXX XXXX Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with credit reporting. I have evidence to prove my case.
Product: Prepaid card

I received 2 American Express XXXX XXXX cards within the last few years. XXXX for {$100.00} ( expires XX/XX/XXXX ) and another for {$50.00} ( expires XX/XX/XXXX ). I can not use these cards anywhere online. ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX to name a few ). I have tried to use it at a XXXX store and it was declined. These cards are basically useless to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to order cell phones and the order keeps declining because of Equifax, and for sure the cell phone company cant give me any reason but is rfering me to equifax only. 

I called Equifax several time to find out what was the issue, obviously some date mixup on their end for my date of birth. As they explained me on the phone two weks ago, Isend Social Security card and Drivers license to them per fax to get that fixed. I called today and they are telling me now again to do so, even they received it ( but cant tell me whats wrong -> the system says ... blablabla ). 

This doesnt make sense and I dont come forward, still cant order the phones despite excellent credit score, they can not tell me what to do and I am stuck -> horrible company with horrible customer service, very different statements depending on whom you speak with and the so called " supervisors '' seems to help even less than other " normal '' employees. 

I would in insist in my right to know whats going on with my credit report, especially if they put it locked without my knowledge ( as it seems )!
Product: Student loan

My Federal student loans qualify for forgiveness under XXXX as of XX/XX/XXXX. I have letters from FedLoan servicing even stating this, from XX/XX/XXXX, when I had previously certified my employment. In XX/XX/XXXX, I submitted my employment certification to have the XXXX qualifying payments that have been made, counted. After 2 months of waiting for a response and contacting FedLoan Servicing multiple times to get an update ( to which they never responded ) I received notification that my payments had been re-tallied. Unfortunately, they seem to have completely disregarded my most recent employment certification, claiming I am still 2 qualifying payments short and counting every payment since XX/XX/XXXX as " qualifying but uncertified '' payments. My most recent employment certification should cover all payments from XX/XX/XXXX- XX/XX/XXXX, yet this is not reflected. Their incompetence is delaying my ability to have my loans forgiven under XXXX. I have a previous complaint against FedLoan Servicing ( CFPB # XXXX ) where they had also failed to count my payments properly ( which took nearly a year and involvement from the CFPB and a Student Loan Ombudsman to finally correct ). Because XXXX is set to expire soon I need this resolved ASAP. Attached is my most recent employment certification covering XX/XX/XXXX- XX/XX/XXXX as well as the email from FedLoan Servicing from the last time my payments were corrected notifying me that I would qualify for forgiveness with XXXX payments in XXXX of XXXX.
Product: Debt collection

Beginning in the middle of XXXX, I was contacted by Improved Data Services, and told that my account with XXXX XXXX was placed in the office of XXXX XXXX XXXX, which was the client of Improved Data Services. 

I was then told that I had 24 hours to come up with {$1200.00} to stop XXXX from taking me to court and garnishing my wages. I explained that I did not have {$1200.00} to put down as a " down payment '', but I would like to enter into a payment plan with them on a monthly basis. 

I was told that what I offered monthly XXXX {$150.00} ) was not acceptable, and I would have to come up with at least the {$1200.00} and {$120.00} biweekly ( the cost of the orignal loan payments ). I had 24 hours to see how much I could come up with. Or my wages would be garnished. 

I was able to come up with {$500.00} and this was suddenly an acceptable an amount as the " downpayment '' - and then I'd find a way to do the $ 124/biweekly. But now I've tried to talk to the reps again and can not do the biweekly payments of the {$120.00}. I'd like to set something else up, but am told that this is not acceptable. 

I'd just like someone to work with me - I want to make payments, but am struggling, and no one will listen.. just threaten to take me to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been furnishing my information without my written consent in direct violation of 15 USC 1681 section 604 ( a ) ( 2 ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

this company is also violating my right to privacy under 15 USC 1681 section 602 ( a ) 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings I have a right to privacy and they do not have a written consent that they could furnish my information to any credit agency.
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 reporting 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. 

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE XXXX ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE XXXX ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE XXXX ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

16. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

17. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. 15 US-CODE 1692E FALSE OR MISLEADING XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Im writing this because I recently did a credit check to see about my file and noticed there are fraudulent accounts on my file i never made have no knowledge of these accounts attached these need to be removed asap this is a VIOLATION of the law 15 USC 1681s-2 nobody shall support to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. these attached accounts should be deleted and removed within 4 days of receiving this i also request all written confirmations be sent to my XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

What happened is that they made some charges on my account and I was able to allow the majority to see that and they only closed my account and told me that they were sorry that I investigate what happened that they did not
Product: Debt collection

Hunt & Henriques, LLP is harassing me claiming that I owe on a debt which was opened due to identity theft. I've submitted a police report, ftc identity theft report & a cease & desist letter and they're still harassing me claiming they're going to file a lawsuit against me. I need them to cease & desist all collection action per FDCPA regulations. Additionally the alleged creditor ( XXXX XXXX XXXX XXXX ) is also violating FCRA & FDCPA laws. I never applied for the alleged account nor do they have any permissible purpose to report or collect on the alleged debt. 1681b states they must have been given permission. I never signed anything which gave them any. No consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/20 I refinanced my vehicle loan through my credit union. I was originally with XXXX XXXX XXXX and went to XXXX XXXX XXXX XXXX for my refinance, which was approved and XXXX XXXX XXXX XXXX paid off the loan through XXXX XXXX XXXX. On XX/XX/20 I called XXXX XXXX XXXX who confirmed payoff received. On XX/XX/20 I called XXXX XXXX XXXX and they confirmed payoff information was reported to the credit bureaus on XX/XX/20. Ive waited and tried to speak with XXXX XXXX and XXXX XXXX XXXX about my credit report showing both parties having an open loan for my vehicle finance and they advised me to reach out to Equifax. Ive tried calling and have been told to go online and dispute with Equifax to have the loan with XXXX XXXX XXXX removed, however, the online option for disputing is not available and has not been available on multiple occasions. It has been past 30 days since receipt of the original finance companys acknowledgment of payoff with no correction and it is effecting my ability to apply for a home mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX  # XXXX is reporting a balance that should not be there. I returned this car back in XX/XX/2016 and I should not have any missed payments or a balance after that. I have no legal obligation to pay this and there should not be a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act. 1. XXXX XXXX XXXX. account # XXXX has violated my rights. 2.XXXX XXXX XXXX XXXX. account # XXXX has violated my rights. 3XXXX XXXXXXXX XXXX. account # XXXX has violated my rights. 4.XXXX XXXX. account # XXXX has violated my rights. 5XXXX XXXX XXXX account # XXXX has violated my rights. 6XXXXXXXX XXXX XXXX XXXX XXXX. account # XXXX has violated my rights. 7.XXXX XXXX XXXX XXXXXXXX  XXXX account # XXXX has violated my rights. 8. XXXX  account # XXXX has violated my rights. INQUIRIES. 9. XXXXXXXX XXXX XXXX .DATE XXXX. has violated my rights. 10.XXXX  XXXX XXXX DATE XX/XX/XXXX. has violated my rights. 11.XXXX  XXXX. DATE XX/XX/XXXX. has violated my rights. 12XXXXXXXX XXXX XXXXXXXX XXXX XXXX DATE XX/XX/XXXX. has violated my rights. 
13XXXX XXXX  XXXX XXXX XXXX DATE XX/XX/XXXX. has violated my rights. 14XXXX XXXX XXXX. DATE XX/XX/XXXX. has violated my rights. 15XXXXXXXX XXXX XXXX .DATE XX/XX/XXXX. has violated my rights. 16. XXXX .DATE XX/XX/XXXX. has violated my rights. 17. XXXX XXXXXXXX XXXX XXXXXXXX. DATE XXXXXXXX.has violated my rights. 18. XXXX XXXX .DATE XX/XX/XXXX. has violated my rights. 19. XXXX XXXX. DATE XX/XX/XXXX. has violated my rights. 20.XXXX  XXXX XXXX XXXX XXXXDATE XX/XX/XXXX. has violated my rights. 21. XXXX DATE XX/XX/XXXX. has violated my rights. 22. XXXX XXXXXXXX XXXX XXXX DATE XX/XX/XXXX. has violated my rights. 23. XXXX XXXX XXXX XXXX DATE XX/XX/XXXX. has violated my rights. 24. XXXX XXXX DATE XX/XX/XXXX. has violated my rights. 25. XXXX XXXX  DATE XX/XX/XXXX. has violated rights. 26XXXX XXXX DATE XX/XX/XXXX. has violated my rights. 27.XXXX XXXX DATE XX/XX/XXXX. has violated my rights. 28.XXXX XXXX  DATE XX/XX/XXXX. has violated my rights. 29. XXXX XXXX XXXX XXXX  DATE XX/XX/XXXX. has violated my rights. 30. XXXX XXXX XXXX DATE XX/XX/XXXX. has violated my rights. 31XXXXXXXX XXXX XXXX XXXX  DATE XX/XX/XXXX. has violated my rights. 32. XXXX XXXX XXXX XXXX DATE XX/XX/XXXX. has violated my rights. 33. XXXX XXXX  XXXX. DATE XX/XX/XXXX has violated my rights. 34. XXXX XXXX XXXX  .DATE XX/XX/XXXX has violated my rights. 35. XXXX XXXX DATE XX/XX/XXXX has violated my rights. 36. XXXX XXXX XXXX DATE XX/XX/XXXX has violated my rights. 37. XXXX XXXX XXXX  DATE XX/XX/XXXX has violated my rights. 38. XXXX XXXX  DATE XX/XX/XXXX has violated my rights. 39. XXXX XXXX  DATE XX/XX/XXXX has violated my rights. 40. XXXX XXXX XXXX DATE XX/XX/XXXX has violated my rights. 41. XXXX XXXX XXXX XXXX DATE XX/XX/XXXX has violated rights. 42. XXXX DATE XX/XX/XXXX has violated my rights. 43. XXXX XXXX DATE XX/XX/XXXX has violated my rights. 44. XXXX XXXX DATE XX/XX/XXXX has violated my rights. 45. XXXX  XXXX XXXX DATE XX/XX/XXXX has violated my rights. 46. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX has violated my rights 47.XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX tx XXXX has violated 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agency : Experian Account Name : XXXX XXXX XXXX XXXX They are reporting that this account was late in XX/XX/2018. 
It was in fact never late. 

I went down to the XXXX County ( NY ) Child Support office in XX/XX/2018 to get a 12 month payment history list when I saw this on the credit report and the person that I spoke to stated verbally that they over paid the mother by 1 monthly payment since they did that they failed to pay themselves. I was forced to make an additional payment due to their own error. I asked for proof of this error and she was obviously unwilling/unable to provide this evidence.
Product: Credit reporting or other personal consumer reports

I discovered this morning that there are incorrect accounts on my credit report, and Im completely baffled as to how this happened. I check my credit report regularly, and this time, there were errors that seemed to appear out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The inaccuracies remained, and now Im desperate for someone to thoroughly review the documents Ive provided so I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a filed an dispute with Equifax, on these two accounts XXXX XXXX XXXX, and ohio department of human services. Which they said it was verified, but I didn't receive any validation letters, so I sent another dispute on XX/XX/2020 asking to reinvestigate and show me how they validated both accounts. There are no contracts, no original signed document. I haven't received any information to show these accounts can be reported on my credit. According to the FCRA. I have uploaded pictures showing they can't locate consumer account.
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. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  # XXXX has violated 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 reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX am Email offering a cash bonus of {$200.00} and 1.5 % cash back credit card. 
XX/XX/2022 I completed the application on line XX/XX/2022 XXXX I received an email stating that XXXX XXXXXXXX was not able to approve my application, and I would receive a letter explaining why within 10 days. 
XXXX XXXX XXXX I received email notice that " there has been a change in TransUnion credit report '' and that XXXX from XXXX XXXX could help me improve my Credit Score. And when I clicked on the link it said my TransUnion was XXXX pts at XXXX and XXXX was also - XXXX at XXXX Was the purpose of this per motion just to lower my credit rating? Or what? Note it all happened in 20 minutes. 
Please investigate and respond
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted a method of verification request on XX/XX/2019. Received no response. I followed up again on XX/XX/2019, allowing the company another until XX/XX/2019 to respond. To date XX/XX/19 I have received no response regarding the method of verification. Instead of returning method of verification information transunion responded with new credit report dated XX/XX/19 # XXXX stating that item is accurate. Their evasive actions in violation of the FCRA guidlines which was 15 days of receipt to supply information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/2021 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX