23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IC System Inc. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Cease and Desist Demand Regarding All Forms of Communication and Reporting To Whom It May Concern, I am writing to formally demand that IC System Inc. immediately cease all forms of communication with me, including but not limited to phone calls, emails, letters, and any other means of contact. Additionally, I demand that you cease reporting any information regarding this debt to the consumer credit reporting agencies. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are required to cease all communication with me upon receipt of this letter, except to notify me that you are terminating further collection efforts, that you may invoke specific remedies which are ordinarily invoked by you or your organization, or that you intend to invoke a specified remedy. 
Furthermore, under the precedent established by the case of 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ), once a cease and desist request has been sent, the debt collector is obligated to cease reporting the debt to consumer credit reporting agencies. Continued reporting of this debt to the credit bureaus after a cease and desist request constitutes continued collection activity in violation of the FDCPA. 
Therefore, I demand the following : 1. Immediate cessation of all forms of communication with me.

2. Immediate removal of any information related to this debt from my consumer credit report.

Failure to comply with this demand will leave me no choice but to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office, as well as initiating a lawsuit for violations of the FDCPA and any other applicable laws. 
I expect confirmation in writing that you have received this letter and that you will comply with my demands. Please send your response to the email listed above within 10 days of receipt of this letter. 
Thank you for your immediate attention to this matter.
Product: Payday loan, title loan, or personal loan

Since early XX/XX/2022, I have been trying to get ahold of the right department to inform them that I am unable to make minimum monthly payments due to my employer cutting back hours and seeking a temporary payment arrangement. I keep being put on hold and keep being redirected and with a result of being hung up on. Due to this continuous cycle when I call, I have been charged a late fee. I need someone to help me with hardship monthly payment options until I find a full-time job, I do not want my account to be reported to collections and impacting my credit score.
Product: Debt collection

ARS Resources has failed to comply with Fair Debt Collection Practices Act, 15USC 1692g Sec.809 ( b ) and should be penalized by false statements to CFPB. No letters were ever sent to my consistent dwelling of 6 years, there was a data breach publicized due to XXXX  XXXX negligence during the period in question and this 3rd party collection agency has failed to provide any evidence of its response for a verdict to be rendered. I have requested to be provided with copies of any papers that show that I agreed to pay ARS. Prove the statue of limitations has not expired on these accounts. ARS is a licensed medical provider equipped to solicit finance for thus stated services rendered. Provide me with ARS license numbers and registered agent providing statements for VALIDATION made pursuant to the above named Title and section. Im considering a FTC complaint against XXXX  due to failure to comply with laws and statues mentioned.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Theses are the accounts marked as inaccurate Account Name : 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

Nobody will listen. I've complained and disputed this information several times. 
Please quit validating this INCORRECT information with XXXX. 

Edfinancial is not reporting my history to XXXX   correctly. The other two bureaus are ok. 

1 : Edfinancial is reporting to XXXX  that I was current XX/XX/XXXX and XX/XX/XXXX. I WAS NOT CURRENT. 
No payment was made those months nor was I in forbearance or deferment. Refer to account history directly from Edfinancial ( attached ). 

2 : Because this account was negative when it was closed, Edfinancial needs to report a Date of Original Delinquency to XXXX. Right now, the date XXXX   is using is XX/XX/XXXX. THIS IS NOT RIGHT. 
The date of original delinquency should be XX/XX/XXXX as evidenced in the account history directly from Edfinancial.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has responded to my previous complaints and request for reinvestigation by stating that they will not reinvestigate because the account has been previously verified. The US DEPT OF EDU account # XXXX in reference continues to report on my XXXX file even though it is not being reported in my other credit reports. This is violates 15 U.S.C 1681i ( a ) ( 2 ). Even after the information has been found by other agencies such as XXXX as inaccurate and incomplete they refuse to do a complete reinvestigation or remove this information from my file. To prevent me from employment and financing opportunities XXXX willingly commits aggravated identity theft by reporting this information without my consent. They have no regard for my federally protected rights as a consumer. This is extortion and theft by deception. If XXXX continues these unfair and incomplete reporting tactics they will be held criminally liable for all damages.
Product: Bank account or service

I had a special XXXX account with Wells Fargo that required {$25000.00} in the account. I was charged a fee for this account for many months no matter if the account had over XXXX in it or not. The bank manager almost fell over the teller trying to sell me this and when I addressed it I was not compensated for this deception fully. 

I also noticed a extra savings/checking accounts that were added that I wanted to make sure I was n't charged for those as well. I noticed when I was closing most of my accounts with Wells Fargo. 

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

ON XX/XX/2023 A UNAUTHORIZED CREDIT INQUIRY WAS MADE BY XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXXXXXX XXXX  account number 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING THIS IN ORDER TO HAVE MY PERSONAL INFORMATION UPDATED TO FULL ACCURACY, THE CURRENT EXPERIAN CREDIT REPORT IS NOT AT MAXIMUM ACCURACY DUE TO AN ADDRESS ON THE REPORT WHICH IS NOT ASSOCIATED WITH THE CONSUMER. 
I HAVE CONTACTED THE EXPERIAN DISPUTE AND FRAUD DEPARTMENT MULTIPLE TIMES THEY HAVE BEEN INCOMPLIANT TOWARDS THE CONSUMER AND HAVE VIOLATED MY CONSUMER RIGHTS ON MULTIPLE PHONE CALLS.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request
Product: Credit reporting or other personal consumer reports

TransUnion on going violation ( s ) of my rights according to the Fair Credit Report Act ( FCRA ) of proper and accurate reporting of information. These violation ( s ) of the Fair Credit Reporting Act ( FCRA ), abuse of the law, and total disregard of the to ignore the law is going on six ( 6 ) months. TransUnion on going of reporting illegal information of a Bankruptcy on my TransUnion Credit Report. Violates all section ( s ) of the Fair Credit Reporting Act ( FCRA ). TransUnion has denied my every attempt of using the law to prove my right ( s ) according to the Fair Credit Reporting Act ( FCRA ). TransUnion is acting as if they are bigger than the Fair Credit Reporting Act ( FCRA ) that governs them. TransUnion has ignored and disregarded my dispute of : 1. Accuracy and Relevance of Information FCRA Section 1681b : The reporting of the bankruptcy is not only inaccurate but also illegal. FCRA Section 1681b requires accurate and fair credit reporting.

2. Permanent Removal of Bankruptcy Reporting : Permanently remove the bankruptcy reporting from my credit report, in accordance with FCRA Sections 1681g, 1681b, 605 ( a ) ( 5 ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 2 ), and FDCPA provisions related to accurate and fair credit reporting. 

3. Illegal Reporting FCRA Section 1681g : The bankruptcy is being reported in violation of FCRA Section 1681g, which prohibits the reporting of bankruptcies that antedate the report.

4. Deletion of Inaccurate Information FCRA Section 611 ( a ) ( 1 ) ( A ) : I demand the prompt correction and removal of the inaccurately reported bankruptcy, as per FCRA Section 611 ( a ) ( 1 ) ( A ).

5. Fair Debt Collection Practices FDCPA : The continued reporting of this bankruptcy is misleading and may negatively impact my creditworthiness, potentially violating fair debt collection practices as outlined in the FDCPA.
Product: Credit reporting or other personal consumer reports

Experian shows several incorrect and irrelevant addresses, misspelled names, and phone numbers that are no longer relevant and/or are not my most recent address. I attempted to have them removed and was told address are relevant to my report.
Product: Checking or savings account

I deposited a check for {$700.00} ( XXXX XXXX XXXX ) from a tenant in my home through Mobile banking. I was not aware until the next business day that a hold was placed on the account for 6 business days. I received a call earlier that morning regarding charges on my account that the bank wanted to verify. I verified the charges through a recorded system. When I spoke with my bank ( TD Bank ), I was told that I would just have to wait and that the instructions on my account were : 1 ) do not call the fraud dept. 2 ) do not allow the customer to call the fraud dept, and 3 ) the hold is a dynamic hold and that it will not be released until the end of the 6th business day which is actually 8 business days. I  deposited the check on XX/XX/XXXX, the hold is on until XX/XX/XXXX thus not giving me access until XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 deposit {$10000.00} into robinhood investment account to buy currency. at that time, i had {$13000.00} invested in my investment account. because i could immediately use my immediate purchasing power with {$10000.00} deposited, the total value of my investment was {$23000.00}. but after my bank account was stolen that week and my savings failed, on XXXX XX/XX/2021, robinhood sold part of my currency, plus the balance in my investment account, for a total of {$10000.00}! then the use of my investment account was restricted. then i contacted the customer service and tried to solve the problem, but i replied once every 3 days until XX/XX/2021, when robinhood withdraw {$10000.00} from my investment account again, and then my investment account could be used normally. so the problem now is, robinhood overcharged me {$10000.00} from my investment account, which is my personal asset. i have been trying to contact the customer service, but i have not received a good reply. each reply is for different reasons. hope your company can help me! thank you
Product: Credit reporting or other personal consumer reports

( Additional Address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has had this debt on my credit report for XXXX years. I never had a contract with this company. When I requested that they provide me with the proof that we had a contract they told me that was proprietary and can't be sharded with me, they have Me also owing two separate car notes for two different amounts on my credit report. How are they able to just make up lies about me owing them and not have to prove this is true. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY OR ANY OTHER SHELL COMPANY THEY HAVE.

( 1, } Account Details : High Credit {$4800.00} Payment Responsibility JOINT_CONTRACTUAL_LIABILITY Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration Balance {$5100.00} Date Opened XXXX XXXXXXXX XXXX _____________________________________________________________________ ( XXXX. ) Account Details : Balance {$4100.00} Date Opened XXXX XXXXXXXX XXXX _____________________________________________________________________ How could I have opened two acct. on one day?
Product: Credit reporting, credit repair services, or other personal consumer reports

American Credit Acceptance Acct XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, It states I have the right to privacy. 15 USC 1681 section 604A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 uses 1666b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose.
Product: Consumer Loan

purchased a vehicle in XXXX of XXXX lost job in 2010 filed chapter XXXX the chapter XXXX got dismissed vehicle was totaled in XXXX the paperwork provided to me by capital one shows a loan balance of {$8100.00}. Capital One is reporting to the bureaus charge off of {$18000.00} I have asked repeatedly for documentation to be provided to me reflecting how this loan has come to an outstanding balance of {$18000.00} on one can provide me with that information
Product: Debt collection

I do not recognize this account. Never had an account with this lender and I have never done any business with this collection agency that is trying to collect a debt I do not owe. Attached is my FTC report and letter. 

Portfolio Recovery Account Number : XXXX Amount of alleged debt {$1000.00}.
Product: Credit card or prepaid card

I serve as the XXXX for a 501 ( c ) 3 organization which holds a checking account and credit card with US Bank. I was attempting to activate the card and was informed that I am not listed on the account, despite transferring accounts into my name two years ago. 

All billing for the accounts is mailed to my personal residence. 
I can view all account information including bills, transfer and pay accounts, etc. through my online account access. 

US Bank refuses to inform me who their listed account holder is, or how I would obtain this information. But did tell me I could go to the branch if I wanted. I did inform him I appear on the XXXX  Report filed with the Corporation filings at the Iowa Secretary of State and could provide that documentation. I was told this was insufficient and that documents from a website can not be examined. He was unable to tell me if someone in another division would be available to review the documents. 

The supervisor XXXX ( Case reference XXXX XX/XX/21 XXXX informed me that he had no other option for me and contact with Office Of The President was my only option.
Product: Credit card

I have held a Sears Mastercard for several years. I have not used the card recently because the terms of the card are not competitive. The card was recently up for renewal, and Sears sent me a new card. When I log on to the web site I receive XXXX messages -- the first says I was sent a new card and need to activate the card. When I activate the card, I am told the card has already been activated. The XXXX message on the web site says my account has been closed. 

I sent a message to Sears via their web site requesting status, and was told my account has been closed. I have not been notified to that effect via any method such as a written mail notice.
Product: Checking or savings account

Okay, so I bought a pair of sneakers thru Klarna from XXXX XXXX XXXX. A 4 part payment plan.The shoes were XXXX.I returned the shoes,1 day after recieving them back to the store.They credited me back XXXX /1 st payment..I thought nothing else about it.I just knew that purchase was a done deal. Bought then returned in XXXXUntil today XXXXI see on bank statement Klarna deducted {$50.00} on XX/XX/24. 
Klarna deducted {$50.00} on XXXXKlarna deducted {$33.00} on XX/XX/24. They had the audacity to say " I " made and overpayment and paid {$160.00} when they should have never kept deducting funds out of my acct after shoes were returned.Then they said that acct /transaction /claim was closed .I asked why they couldn't put my funds back into my Acct.And they said /typed.They were sorry I made and overpayment. And couldn't reopen claim /acct, but they sent me a E-mail saying thanks for your final payment about XXXX XXXX  ago today on XX/XX/24 .I really need my $ XXXX, back in my Bank Acct, just like they deducted after item was returned.I was charged for something I dont have.On here web site with my purchase it even showsit was returned.That is there errorI really need it corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I applied on XXXXXXXX XXXX  website for the Visa Signature Rewards Card issued by Chase. The website said the application was unable to go through ( I do not remember the exact reason it said ). I was going to try and apply again on the website but I looked at my credit report from XXXX on XXXX XXXX and saw that I had a hard inquiry from Chase. I then have been going back and forth calling XXXX and Chase to figure out the problem. XXXX says that they have no application processed from me, even though the website shows that I applied, and Chase says they never received an application from me. I know the information was entered correctly because it is showing on my credit report. Long story short, XXXX directed me to Chase, who then directed me to XXXX, who then directed me to FTC.gov, which then directed me to y'all. I would like to either have the application fully processed if possible, or at the very least have the hard inquiry taken off since the application was never processed.
Product: Credit reporting or other personal consumer reports

I pulled a credit report from Equifax.com. It showed everything was correct on the account. I then pulled an Equifax report from FICOXXXX, which was reporting a lot of old information. I then contacted FICOXXXX to tell them and they indicated they were getting that information from Equifax. I contacted Equifax, and their rep said she saw the problem and said it was fixed, The next day the old account information was now appearing on my equifax.com report. I called them back and they wanted me to dispute the information, so I did, 3 weeks later Equifax stated they got a resolution from XXXX stating the old accounts were open and had balances. When you go onto citibanks website, and log into the accounts, not only are the older accounts closed, there is no balance on the accounts whatsoever and has not been for months. When I called Equifax back to confront them on this, then they told me they had a resolution report from XXXX, when I asked them if I could get a copy, they stated they had sent the copy to an address that I had not lived at for over 10 years and then when I told them we needed to escalate this issue they told me to contact the CFPB. I reached out to XXXX and they put me in touch with their executive research team and they are working to get the old accounts off of Equifax. XXXX and XXXX are not reporting the information incorrectly no matter where you pull the data from. This is a problem at Equifax. At this point Equifax is claiming there is nothing they can do to correct the information. I emailed the CEO directly, and he forwarded the email to XXXX. They sent me correspondence asking me for proof that the accounts were old and paid off, and I sent them that information. When they didnt respond I sent an email back to the CEO and now my email is blocked. This is also effecting my wife and her Equifax credit report as well.
Product: Money transfer, virtual currency, or money service

Not able to log in to XXXX app
Product: Credit reporting or other personal consumer reports

As I am looking at my consumer report. I see that TransUnion has not only failed to do an accurate investigation but they have also not responded to my request of method of verification that I asked for regarding accounts : XXXX XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Current Status : Open : XXXX XXXX 30-day late payment 2. Creditor Name : XXXX Account Number : # XXXX of First Delinquency : XX/XX/XXXX Amount : {$1500.00} It is being considered a charge off 3. Creditor Name : XXXX XXXX Account Number : # XXXXDate of First Delinquency : UNKOWN Amount : {$2100.00} It is being considered a charge off 4. Creditor Name : XXXX XXXX Account Number : # XXXXDate of First Delinquency : UNKOWN Amount : {$160.00} It is being considered a charge off 5. Creditor Name : XXXX XXXX XXXX Account Number : # XXXXDate of First Delinquency : XX/XX/XXXX Amount : {$5000.00} It is being considered a charge off. Not only did I request the method of verification, but they did not warn me ahead of time that they were going to report this and I did not give them written or expressed consent to do so. They are violating my consumer rights and SO MANY levels. They are failing to accurately report information on my consumer report and everything that is inaccurate will now be listed and shown since they did not do their job. Due to the fact that these accounts were not corrected, they violate FCRA and they are in violation of the law. These violations include but are not limited to : 15 U.S. Code 1681b 15 U.S. Code 1681o 15 U.S. Code 1681i ( 5 ) ( A ) 15 U.S. Code 1681g 15 U.S. Code 1681r 15 U.S. Code 1681q I am frustrated because these accounts that should have been removed are impacting my life. Below are the damages done by not having the correct information on my consumer report.