vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dunlap Gardiner LLP
State: GA

Complaint narrative:
I have new and updated information regarding complaint number XXXX. 

A contract can only be valid and legal if theres a legitimate enforceability agreement between two parties. There are several aspects that make up such an agreement : there must be an agreement between both parties formed by an offer and an acceptance, the consideration, which is a promise that is supported by something of value, and the contract must have legal purpose. Without these four critical aspects, the contract can not be legal. 

XXXX XXXX does not have firsthand knowledge of the specific details of the purchase of my home. This company, its associates, and client XXXX XXXX Homeowners of XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX referred to the XXXX was not present during the closing of the home and can not speak to the facts of that situation. According to XXXX XXXX, upon purchase of a property in the community, the purchaser automatically becomes a member of the homeowners association by default without any legitimate agreement between the consumer and the XXXX and is subject to the terms and conditions found within the declarations. XXXX XXXX has provided a clear example of why congress felt the need to write the FDCPA, to protect consumers from abusive, deceptive, and unfair debt collection practices as displayed by XXXX XXXX, and the XXXX as well as protect the consumers right to privacy. 

The fact that XXXX XXXX and the XXXX has ignored my numerous requests to see the legitimate enforceability agreement, or the documentation that gives them the legal right to attempt to collect anything from me proves that theyve infringed upon my federally protected consumer rights and that this alleged debt is not legal and have been predatory from the very first time theyve demanded payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LTD Financial Services, L.P.
State: AZ

Complaint narrative:
Notice to Cease and Desist To Whom it May Concern, This is in reference to the Consumer Report sent to me dated XX/XX/2023. While checking the above report, it came to my notice that your Company ( XXXX XXXX XXXX ) has furnished ( 1 ) account on my report, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, amount listed {$560.00}. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX. 
Any further contact by your Agent or Company ( LTD Acquistions LLC ), except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, Consumer, did not give XXXXXXXX XXXX  XXXX my lawful written consent to disclose my nonpublic personal information to any nonaffiliated third parties. I am aware that XXXX XXXX XXXX, Transunion, XXXX, and XXXX XXXX XXXX XXXX XXXX are nonaffiliated third parties. Furthermore, XXXX XXXX XXXX is providing inaccurate information to these nonaffiliated third parties. Neither XXXX XXXX XXXX, the consumer in which the report relates to, nor a court of competent jurisdiction issue an order for such information to be reported onto any consumer report of XXXX XXXX XXXX, Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, Consumer, did not give XXXX XXXX  XXXX my lawful written consent to disclose my nonpublic personal information to any nonaffiliated third parties. I am aware that Equifax XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX are nonaffiliated third parties. Furthermore, XXXXXXXX XXXX XXXX is providing inaccurate information to these nonaffiliated third parties. Neither XXXX XXXX XXXX, the consumer in which the report relates to, nor a court of competent jurisdiction issue an order for such information to be reported onto any consumer report of XXXX XXXX XXXX, Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, Consumer, did not give XXXXXXXX XXXX XXXXXXXX my lawful written consent to disclose my nonpublic personal information to any nonaffiliated third parties. I am aware that XXXX XXXX XXXX, XXXX, XXXX, and Experian XXXX XXXX XXXX XXXX are nonaffiliated third parties. Furthermore, XXXXXXXX XXXX XXXX is providing inaccurate information to these nonaffiliated third parties. Neither XXXX XXXX XXXX, the consumer in which the report relates to, nor a court of competent jurisdiction issue an order for such information to be reported onto any consumer report of XXXX XXXX XXXX, Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
There was suspicious activity on my account. A Bank Of America representative contacted me and told me to contact them, So I called Bank Of America and told them what was going on, so the representative asked me what kind of phone I had and I told her an XXXX XXXX, so she asked if I had given out my passcode to anyone I said No. then she told me that someone with an XXXX phone was trying to access my account and that they were gon na have to close my account, So I asked her about my direct deposits that I had coming to my account would go back to the sender and any remaining balance would be mailed to me, And she said because of the activity on my account I am a risk to them and their safety. I have been a Bank Of America customer for years and they do this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and I notice some Hard Inquires on my Credit Report. I did not authorize anyone employed by these Companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. Please see Companies Below : Company Names XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX Mortgage XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Your company is clearly in violation of the law. Under 15 USC 1681C-2- Block of information resulting Identity theft. The LAW CLEARLY STATES ( a ) BLOCK Except as otherwise provided in this section, consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer. ( 2 ) a copy of an identity theft report. ( 3 ) the identification of such information by the consumer ; and 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Nowhere in the law where it states to provide a police report. This is clearly a stall tactic and going against my human rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: YSA ARM LLC DBA Oxygen XL
State: NJ

Complaint narrative:
XXXX has denied my dispute for the following company XXXX XXXX XXXX Oxygen Recovery Group ). This company has an open lawsuit in the state of NY for this reason. XXXX is ignoring all the facts put forward by me XXXX. This account was settled and paid in full and i even have proof of all payments uploaded here. The company XXXX XXXX XXXX which XXXX is representing failed to answer all my phones or reply to my text messages. I have uploaded here proof of the messages. I also uploaded all payments made to them during my lease. They also didn't refund my deposit!! Please see attached text message proof. Hence this account is fraud because my account was closed in full. 

2. The account opened is for an office XXXX XXXX is under my company XXXX XXXX XXXX XXXX XXXX XXXX office spaces which was renting an office to my company. They collected my personal and business information. This report should be on my business XXXX XXXX and not personal as these are office suites not rental for living. And application was done with my company. 

3. XXXX XXXX XXXX was never authorized to sell my personal information to any creditor only my company information. This is fraudulent that they used my personal information. 

I request that XXXX remove this entry by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is reporting a bankruptcy on my credit file using XXXX XXXX as a third party for this information. XXXX XXXX is fraudently reporting information to Equifax. XXXX XXXX has clearly stated that their company could not identify me. How is it possible for Equifax to place false information on my credit report from another company that can not identify me? I'm providing additional information so Equifax will remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a loan from WellsFargo to start my medical practice. I am personally liable for the loan for my LLC, not the business itself. The payments etc appear on my personal credit report. 

I was supposed to receive a line of credit with the loan, but that never materialized. 

When I make extra payments, I request that the payment due date be advanced. WellsFargo has not applied any of my payments as I requested. They have said it is because the payments are not associated with an invoice, but no bank sends out old payment coupons anymore. WellsFargo does not generate electronic invoices in advance. They create a system where I can not pay an advanced payment, despite me wanting to do so. I even tried placing the month and date in the memo section. 

I called WellsFargo again on XX/XX/ XXXX. I reached XXXX. XXXX refused to understand my issue. She became upset and disconnected the call, when I stated her answers were not to my questions. XXXX stated the payments are applied by a computer. Any over payment is applied to the principal, but does not advance my payment date. I kept explaining that is exactly what I do not want to happen. I want the payment date advanced, unless I tell someone to apply it to principal and not advance the payment date. 

I like to have a cushion in payments in case something unexpected occurs. They rob me of my ability to manage my finances in the way that best suits me. They take away my right to apply the extra payments as I wish.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is regarding debt reported to Equifax. This debt is incorrect and is not owed. I was charged for damages that were not made by me to the apartment I lived in. Not only were they not from me, they were charged to my account beyond the limitation required by State law. It is the law that an itemization of damages to be charged within 30 days of moveout, this was not done. I disputed the charges through the complex and they never replied that they would be adjusting the amount. Instead, they sent me straight to collections. I disputed with XXXX and they have taken the account off of my profile. Equifax, on the other hand, " investigated it '', and updated the amount from {$210.00} to {$210.00}. It seems as though the investigation done was not proper at all. 

This is unacceptable because I provided more than enough documentation to prove that this was an unlawful and incorrect charge and now it is affecting my credit. I provided documentation of communication with the complex as well as the applicable statute which states that I can not be charged beyond 30 days. ( It was 50 days when I was charged ). This should be clear cut and taken off of my credit ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
This is not report of the resolved matter as to XXXX XXXX XXXX XXXX CLOSED LAWYERS POOLED IOLTA TRUST account at Chase Bank XX/XX/XXXX ( {$93000.00} ) which is now reopened. It is attempt to ensure that such IOLTA account is not unnecessarily made subject to OIG, FINCEN, CFPB, HUD ( SAR, etc ), after I correctly reported in Washington Court of Appeals No 83722-2-I and Co. 20-2-00743-37 Superior Court of Washington at Whatcom county where further insurer payment has been announced as being delivered to support sham tort claims connected to a condemnation proceeding -- in which title insurer objections and HAMP refinance application was announced by interlocutory condemnors ( No. 09-2-01773-1 Superior Court Whatcom Co. WA ; appeal 68202-4-I remand for " confusion in the record '' caused by condemnors ' counsel ) who conceal the fact of the interlocutory condemnors ' RCW 8.24.030 condemnation pleadings -- that I personally refused money as an interlocutory condemnee for being 18 U.S.C. 1956 ( c ) ( 4 ) ( A ) ( iii ) " disguise '' " concealment '' proceeds from interstate financial institution fraud connected to interstate title insurer objections, 31 U.S.C. 3729 False Claims Act mortgage concealment fraud affecting federal reserve bank functions ( e.g. U.S. v. Wells Fargo ; Kraus, Bishop v. Wells Fargo ; see also CFPB v. Wells Fargo Baltimore Maryland U.S. Dist. Ct Consent Order ) 18 U.S.C. 1512 tampering, 1515 ( 3 ) ( A ) - ( D ) concealment misconduct during 18 U.S.C. 1951 ( 1 ) ( a ) Hobbs Act " tort '' claim extortion ( e.g. U.S. v. Koziol ) possible mortgage fraud, while the " tort '' claims have no legitimacy under state law ( Pelley v. King County ) but only as extortion. This is written to ensure that I am immediately available to explain the circumstances which caused Chase Bank XXXX XXXX closure of the Cottingham Law Office PS IOLTA trust account holding pooled trust assets of clients which are in no way related to the

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XXXX XXXX, XXXX, I reached back out to Bank of America because they are still reporting to both XXXX and XXXX XXXX XXXX that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts at a national bank, but is also affecting me in trying to open accounts at local banks and has caused my existing bank ( XXXX XXXX XXXX to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an account is because of what's being reported to XXXX and XXXX XXXX XXXX. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation