23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never sign a contract with this company I need a legal document that I sign with this collectors. I stated to send me a copy of a contract that I sign and they get mad and use verbal abuse. By law I need them to send me a contract that I sign with this collection company. If they cant provie me with the contract I expect tonremoven feon my credit by law and my right as a consumer.This company is calling no answer really early and really late night.
Product: Debt collection

Due to Covid I was laid off and fell behind on a personal loan with XXXX in the amount of $ XXXX. I tried numerous times to work out an agreement with XXXX due to my unemployment circumstances. However, their method of providing assistance was granting a 3mth forbearance which included my monthly payments being higher once the forbearance ended. Needless to say I declined the assistance as it predatory and it would only put me further in the hole with them. My load ended up being delinquent and they turned it over to Alpha Recovery Corp . I worked out a settlement with XXXX  for $ XXXX with the agreement of a letter sent from XXXX stating the account has been settled/satisfied for the agreed amount and closed with XXXX balance. I had to follow-up on three separate occasions for the letter and once I received the letter it stated the opposite with me still owing a balance of {$5500.00} and not reflecting account as closed and updated to the all three credit bureaus. I call XXXX and spoke with XXXX XXXXCollection Mgr. informing her the letter in question was not correct as it has incorrect information from what was agreed upon at time of settlement. Ms. XXXX stated the letter was drafted by their legal team and was correct. I'm filing a complaint with the AG 's office for unfair and deceptive practices by XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus are required to have a copy of my signed agreement/contract in their procession. When report accounts to my credit file. Based on FCRA SECTION 609. The bureaus don not have the required documents as set by law, to report. The reporting violations carry a of {$1000.00} per violation and also additional damages. the account have been reported and the credit bureaus, have been harmed me, by not validating the debts and not having the required, documentation, before report and to this date. The documents are not in their procession. The following accounts have been reported in violation : 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 {$210000.00} balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX : XXXX. XXXX : XX/XX/XXXX This XXXX  complaint is being filed to request pursuant to FCRA that you, the XXXX reporting agency block information appearing on my consumer report that is the result of identity fraud and identity theft within 4 to 5 business days of receiving this complaint. The following accounts and collections are the result of that identity theft and I have no recollection of said accounts. XXXX XXXX  opened XX/XX/XXXX for the amount of {$530.00}. XXXX XXXX  opened XX/XX/XXXX for the amount of {$530.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$2600.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$170.00}. XXXX XXXX  opened XX/XX/XXXX for the amount of {$900.00}. XXXX XXXX XXXX  opened XX/XX/XXXX for the amount of {$430.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$440.00}. XXXX XXXX opened XX/XX/XXXX for the amount of {$400.00}. The following accounts have resulted in several fraudulent, hard inquiries and fraudulent collections on my credit profile. None of these accounts were made or initiated by me. I will be attaching several FTC complaints that I have also filed as proof that these accounts were opened fraudulently and were the result of identity theft. The reference numbers for said complaints are as follows. XXXX and XXXX. I will also be attaching identification verification
Product: Checking or savings account

The Deceptive Practices of Cath Banks XXXX Branch In XX/XX/XXXX, the XXXX branch of Cathay Bank allured customers with an enticing promotional CD rate of 2.75 % APY for a three-year duration. Hoping to secure stable financial growth, I eagerly approached the bank, only to be deceived by XXXX XXXX XXXX XXXX, a promising banker. This essay aims to shed light on the occurrence, highlighting XXXX XXXX intentional misleading tactics and the subsequent lack of accountability from Cathay Bank. With a loss of {$110000.00} interest, I implore Cathay Bank to take responsibility and compensate for their abhorrent conduct. 



1. The Encounter with XXXX XXXX XXXX XXXX : On that fateful day, I encountered XXXX XXXX, who offered a fictitious CD product claiming a 3 % APY for a three-year period. Fueled by my quest for financial stability, I trusted her words and eagerly invested in the opportunity. However, it became apparent that XXXX XXXX promises were far from truthful when the CD rate for the year XXXX stood at a mere 0.5 % APY, in stark contrast to her initial claims. This misleading tactic caused grievous financial harm to me and my family. 
2. Lack of Accountability from Cathay Bank : Despite being made aware of XXXX XXXX deceptive conduct, Cathay Bank chose to turn a blind eye and ignore the resulting misfortune experienced by valued clientele. This blatant disregard for accountability showcases a disturbing lack of concern for their customers. It is incumbent upon them to rectify the situation and take responsibility for their employees actions. 
3. Correspondence with XXXX XXXX XXXX : In my pursuit of justice I shared my grievance with XXXX XXXX XXXX, Assistant Vice President & Manager at Cathay Bank. To my surprise, XXXX XXXX acknowledged the deception perpetrated by XXXX XXXX on the XXXX XXXX XXXX XXXX  He affirmed that I, as the customer, bear no culpability in this unfortunate series of events. This acknowledgment, conveyed through written correspondence, demonstrates Cathay Banks knowledge of their employees misdeeds. 
4. Seeking Compensation : The consequence of XXXX XXXX XXXX XXXXXXXX misconduct is a staggering loss of {$110000.00} in interest for my family. Given Cathay Banks awareness of the situation and their responsibility for the actions of their employees, it is only fair and just that they compensate for the financial harm inflicted upon us. 

Cathay Banks XXXX branch, through the deceptive tactics of XXXXXXXX XXXX XXXX XXXX, has caused significant financial loss and distress. The lack of accountability exhibited by the bank is deeply troubling. I have laid out the series of events, acknowledging XXXX XXXX XXXX acknowledgment of the deception and my familys resultant loss. It is now the responsibility of Cathay Bank to take immediate action, compensate us for the loss of {$110000.00}, and restore our faith in their commitment to customer satisfaction and ethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commenity bank visa closed the credit card account on XX/XX/2022. The account had been paid in full every month and on time since it had been opened. Yesterday the credit limit of XXXX was decreased by XXXX. This is very wrong! How can a company change the credit limit after the account has been closed? The change was recorded with XXXX. The change lowered my credit score!!! I contacted commenity bank and have not been able to get this corrected.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates 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 fancial loss, and I seek appropriate redress for these violations
Product: Debt collection

I received a letter on XX/XX/XXXX with it dated XX/XX/XXXX stating I had an outstanding balance of {$2800.00}. I checked XXXX as well as XXXX to see if this balance exists and it doesn't under my name. Towards the bottom of the letter it states " this is communication from a debt collector and is an attempt to collect debt '' and right above that it states that by renewing this debt they still start a lawsuit against me which means this is a debt that was reported off and they are attempting to reage this debt, or this debt was never under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for responding to compliant # XXXX, stating that this bankruptcy should remain on my credit report. However, I have submitted additional documentation via the Experian portal and I was unable to verify if the documentation was received via upload. Please see the attached documents with several questions I have.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Blocked, Inc ) due to inadequate customer service, and unfair practice, which violate the Consumers Financial Protection Act ( CFPA ). specifically Cash App failed to take timely and effective measures to prevent an 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 in financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have been receiving updates from credit reporting agencies showing delinquent and inaccurate information being reported on my credit files. I have been a victim of identity theft for over 10 years, and I have provided proof on several occasions to prove this claim, such as police reports, FTC reports, OPM letters, social security card, ID, and proof of address. Accounts appeared inaccurately on XX/XX/2023 ; XXXXXXXX XXXX XXXXXXXX for the amount of {$62.00}, XX/XX/2023 ; XXXX XXXX XXXX for {$10000.00}, XX/XX/2023 ; XXXXXXXX XXXX for {$12000.00}, and XX/XX/2023 ; Citicards CBNA for {$6000.00}. I have filed several disputes with XXXX, XXXX, and XXXX about the inaccuracies, and nothing has been done in reference to the misleading and inaccurate reporting on my personal credit files. As a result, my credit reputation is being ruined and I am unable to gain a trustworthy credit history with companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive send letters to the companies and they have not responded, legally the bureaus have 30 days to respond and they have not provided validation nor authentication of anything, I am extremely concerned they are reporting fraudulent information on my credit report, and not complying as per the FCRA, the bureaus are under breach of the law. 

I have not supplied proof under the doctrine of estoppel by silence, Engalhardt v. Gravers ( Mo ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please remove all fraudulent inquiries and accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/ identity theft, all is being investigated by the FTC . According to FCRA 6058 this information must be blocked immediately until the investigation is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion HAS BEEN USING MY REPORT WITH OUT MY CONSENT This is grounds for removal and monetary relief immediately. My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy. 
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section XXXX : It also states that a consumer reporting agency can not furnish an account with out my written instructions. 
XXXX XXXX  XXXX XXXX XXXX {$820.00} - - -No Data wrong account name wrong account number no high balance past due 30 past due 60 past due 90 Total Amount : {$6000.00} XXXX XXXXXXXX XXXX  XXXX XXXX {$0.00} {$0.00} wrong account name wrong account number past due 30 Total Amount : {$3000.00} XXXX XXXX  XXXX XXXX {$1800.00} XXXX XXXX -No Data XXXX XXXX XXXX {$0.00} {$0.00} reported late payments during covid violation of cares act XXXX XXXX XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX -No Data wrong account name wrong account number past due 30 past due 60 past due 90 Total Amount : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$0.00} wrong account name wrong account number past due 30 Total Amount : {$3000.00} XXXX  XXXX {$1200.00} - - -No Data wrong account name wrong account number past due 30 no high balance Total Amount : {$4000.00} XXXX XXXX XXXX  XXXX {$290.00} - - -No Data wrong account name wrong account number XXXX XXXX {$510.00} - - - wrong account name wrong account number
Product: Credit card

My spouse and I are trying to buy XXXX gift cards on Target.com. They do not sell them in stores. Target gives a 5 % discount on all purchases including gift cards. The only stated limit is 3 cards per day. My wife and I began purchasing XXXX gift cards, following the stated limit. HOWEVER ; My wife has paid the balance 5 days ago through a direct ACH bank transfer. Target shows a {$0.00} due. Our bank shows the debit has been processed. Yet, her available balance has remained at {$55.00} therefore preventing any future transactions. In order to allow us to purchase gift cards more efficiently, I applied for a target card also and received one with a {$8000.00} limit. My initial attempt at making an online purchase was cancelled due to some technical issue, which they did not clearly identify. The card is active yet when calling support, the card number is not recognized by their system. I attempted a small purchase online today and was unable to login to my account. We can not help but believe the following : Target is deliberately blocking the use of my card. Target is throttling my wife 's use of her card by not crediting her timely payment. A Target support supervisor told us that Target will limit the number of transactions allowed per card per week but refused to tell us what the limit was. This sounds like a Bait and Switch on their website because arbitrary card rules are being enforced that are not in the Credit Card Contract. We believe that when a company offers a discount with no clearly stated limits, they are obligated to allow transactions per the credit card contract.
Product: Debt collection

debt oriiginated in XXXX with bank of America {$250.00} payment was falsly reported in XXXX still receiving collection notices from XXXX XXXX XXXX in XXXX
Product: Debt collection

XXXX contacted me stating they were collecting on a bounced check from XXXX. This was supposedly from XXXX. My first question was why they took XXXX years to address this, if it was true. They said, they brought the case/my debt from XXXX, and I technically owe them now. 

I had made a purchase from XXXX in the time frame they stated but it cleared. I obtained records from my bank then went to XXXX. XXXX had never heard of this company. I talked to several people all the way to corporate and they had never heard of the company. They suggested it was a scam. Once they said that it did dawn on me how fast talking XXXX was and didnt let me get a word in. I ask XXXX to send me records. I only provided my email address. If they had a copy of the check they would have my address. And, I didnt want to provide any information. I never got anything from them and didnt hear from them for weeks. They called again today. I had no intention of answering their calls but the number was different. I told the representative that I spoke to XXXX and they had never heard of XXXX and that isnt who they use for collection matters. The representative started yelling at me, told me I was a liar, theyd see me in court, and would go after me to the fullest. 

I am concerned about the aggressiveness and meanest of this company. After talking to several representatives from XXXX, whom had never heard of this company, they too suggested it was scam. I was wise enough to investigate, but others may not be. Even still, they were very threatening to me. I feel unsafe because of their threats, and dont know what other information they have obtained about me. This is not OK. How do I protect myself and others from their threats and scamming attempts to get money? Others will pay them out of fear. Even thought I researched this thoroughly, including the company they claim originated this complaint, they were very nasty and threatening to me.
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, 15U.S.C 1681 XXXX XXXX  I ( XXXX XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX. ACCOUNT # XXXX XXXX XXXX XXXX. ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX. ACCOUNT # XXXX Has violated my rights 15 U.SC 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A 2. it also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681 ( a ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than record conviction of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau 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 supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit card

I have an unauthorized Walmart credit card account in my name.The account was put in my name a little after i was the age to have a credit card. I 've attempted to dispute it since i knew what credit was. It is an account with GE money bank.
Product: Debt collection

This account is on my XXXX report it was removed off XXXX and XXXX  I want this remove is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

It's fraud the inaccurate 's on my credit report which are the hard and soft inquires the which are due to my XXXX XXXX adult son had applied for loans and credit cards using my social security number associated with my XXXX XXXX XXXX  credit scores and credit reports my XXXX XXXX adult son and the XXXX XXXX hurts his reasoning and he doesn't know that my social security number and credit scores are my own that s why I haven't pursued criminal charges or law enforcement presents in the fraud situation