23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2022 I dispute this debt in its entirety. 
I do not authorize your company to purchase homeowners insurance for my home, and I will not reimburse you for any insurance payments for any reason. 

Your company, RightPath, has not validated any debt that concerns me. Your Consumer Financial Protection Bureau ( CFPB ) form letter response submitted on XX/XX/2022, within twenty-four ( XXXX ) hours of my CFPB dispute and complaint on XX/XX/2022, states that you completed an investigation that validates a debt. The few photocopies of random numbers and meaningless abbreviations that you attached in your response prove nothing that concerns me but are an attempt to deceive and confuse a consumer. 
The charged-off loan you referenced contained acts of fraud and violations of federal real estate laws from its inception and throughout, and was closed on XX/XX/2022, by the previous loan servicing collection agency, XXXX XXXX XXXX XXXX In my CFPB dispute/complaint to your company on XX/XX/2022, I stated that the fraud and violations had been addressed in my previous CFPB complaints to XXXX XXXX  XXXX XXXX That is why they charged it off with a XXXX balance. I have documentation that substantiates my statements. Rather than conducting a thorough investigation of this fraudulent closed loan, where the fraud and violations were blatant, you have chosen to ignore my CFPB complaints to RightPath and XXXX XXXX XXXX and attempt to perpetrate the fraud by attempting to extort money from me, while attempting to abuse and intimidate me with suggestions of my credit being negatively affected and continuing with pre-foreclosure on my home.
Product: Credit card or prepaid card

I have received a solicitation to apply for a XXXX XXXX credit card, which I did. After I applied I got declined by Chase with the reason of having too many recent accounts that were opened. This caused me to get a new inquiry on my credit report. If CHASE was going to decline me knowing this information already, then they should not have solicited me to apply for the credit card.
Product: Debt collection

A company called " Capital Link Management '' began texting me on XX/XX/XXXX from the number ( XXXX ) XXXX. The message reads : " [ NICKNAME & MAIDEN NAME ] your account has recently been sent to collections. Due to Covid-19, we understand that this is a difficult time and we are here to help. We have new options and programs to assist you in resolving this matter. Please call to take advantage of this offer XXXX. '' This sounded like scam. Since they were using a nickname and my maiden name that I do not use when doing any business and knowing that I always pay my bills on time, I thought nothing of it. 

I then received a similar text on XX/XX/XXXX. It read " [ NICKNAME & MAIDEN NAME ] This is a message in regards to a settlement offer on your account. We have some Options to help during these tough times. Please call us at XXXX. '' I then started received more texts referencing offers to settle debts with " XXXX XXXX XXXX XXXX. '' Sometimes two copies of the same message were sent on the same day. Since I hadn't done business with this company, I still ignored the messages as they seemed like a phishing scam. On XX/XX/XXXX I responded " Please stop texting me. STOP '' and then received an automatic reply from Capital Link Management that I had opted out of their texting service and will no longer receive messages. This was the first time their company name was mentioned. 
I started receiving daily calls from Capital Link Management at the beginning of XXXX from XXXX. They would leave messages saying various things like " We are trying to find the location of [ NICKNAME MAIDEN NAME ]. '' and " We are debt collector trying to collect a debt from you. '' I also received a strange voicemail from Capital Link Management saying my bank rejected a payment that I had scheduled with them ... which of course, I never did as I have been ignoring the calls. They also referenced the " XXXX XXXX XXXX XXXX '' company was negatively reporting on my credit report, which isn't true either. 

I blocked the number and are still receiving daily voicemails from this company. So in additional to harassment, I am being called about a debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX  opened XX/XX/XXXX for {$630.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$930.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX.BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

EVERY REQUEST I MAKE FOR A DISPUTE IS BEING CLOSED BY EXPERIAN. AS OF TODATE EXPERIAN HAS CLOSED 25 COMPLAINTS I HAVE SUBMITTED. ALL IN REFERENCE TO THE FRAUDULENT ACCOUNT XXXX/XXXX XXXX XXXX. THE CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT PORTAL DISPUTES ARE CLOSED THE SAME DAY I DISPUTE THEM. 





I HAVE BEEN SENDING AND UPLOADING LETTERS, AFFIDAVITS AND POLICE REPORTS to the EXPERIAN dispute portal since XX/XX/2020 up until today XX/XX/2020 DISPUTING THE FRAUDULENT ACCOUNT XXXX/XXXX XXXXXXXX XXXX I have notified Experian of a FRAUDULENT MORTGAGE COLLECTION IN MY NAME. 1 ) I HAVE PROVIDED THE FTC AFFIDAVIT. 2 ) I HAVE PROVIDED TWO SEPARATE POLICE REPORTS. 3 ) I HAVE SUBMITTED 5 REQUESTS IN  WRITING TO BLOCK XXXX/XXXX  XXXX   XXXX  FROM MY CREDIT FILE PER EXPERIAN 'S DETAIL GUIDELINES DUE TO FRAUD. 4 ) I HAVE SUBMITTED 20 LETTERS OF DISPUTE TO EXPERIAN FOR XXXX XXXX XXXX. 5 ) I HAVE SUBMITED 14 LETTERS REQUESTING THAT MY PERSONAL STATEMENT " I AM THE VICTIM OF FRAUD. XXXXXXXX XXXXXXXX XXXX  IS NOT MY ACCOUNT AND I HAVE FILED A POLICE REPORT OF FRAUD FOR XXXX/XXXX  XXXX XXXX ''
Product: Debt collection

I have a collection from XXXX under Afni Collections. I have never had a XXXX account, I have requested verification of debt multiple times from Afni, and have never received anything in regards to the verification of debt. I contacted XXXX to get information, they only gave me the account opening date and closing date. They advised I would need to reach out to the collections agency for more information. The opening date XXXX provided for the account has me as a minor. This debt is also over 7 years old based on the account closing date XXXX provided and is still being attempted for collections. I have no idea where this account came from. Even when I was a child my family never had XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Money transfer, virtual currency, or money service

Sent over money to CB on the XXXX of XXXX Withdrawal ACH Coinbase.com TYPE : XXXX ID : XXXX CO : Coinbase.com ACH Trace Number : XXXX in the amount of - {$3000.00} Withdrawal ACH Coinbase.com TYPE : XXXX ID : XXXX CO : Coinbase.com ACH Trace Number : XXXX in the amount of - {$1000.00} They are claiming that they haven't received funds and demanding I pay back XXXX to use my account. This is extortion.
Product: Debt collection

I have enclosed proof of my identity and a copy of my FTCIdentity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishersof Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Pleasesend me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Recordsof payment or charge slips Delivery addresses associated with the account Recordsof phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportInform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request Company Involed Midland Credit Management XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and XXXX XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

XXXX WONT EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD XXXX  I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



MY NAME IS XXXX XXXX XXXX ( I HAVE NO XXXX XXXX.CORRECT MY NAME ) MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MY PHONE XXXX XXXX XXXX MY EMAIL XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, Birth Certificate, SSN, Passport.. my name needs to match my officail documents
Product: Credit card

Someone applied for a Chase Credit Card in my name in XXXX of 2006. From my discussions with Chase this person was a work colleague/acquaintance of mine, XXXX XXXX XXXX who in now deceased. 
As a responsible adult, I have always paid my bills on time and maintained an excellent credit score, until I realized that I never had applied for a Chase Credit card and reached out to Chase Bank for a clarification. I explicitly told Chase Bank that I have never applied for a Chase credit card, not have I ever had one. 
Per my conversation with Chase Bank, the credit card application they are alleging was mine, was signed by XXXX XXXX, however when I requested a copy, they said they are not able to provide me with it. 
I dispute Chase Bank 's statements that I am liable for the balance, because even though I was tricked into making these payments, I never actually applied for this account, and never had a Chase credit card, which means that I couldn't possibly have made any charges to this account. 
As an elderly single adult who is struggling with health and medical issues, I am being harassed and bullied by Chase Bank and some its representatives throughout my attempts to get this account removed from my credit. I get several phone calls per week and this is stressing me out immensely. This issue is affecting the quality of my daily life and causing me further medical complications.
Product: Credit reporting or other personal consumer reports

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS REPORTING THAT I DO NOT RECOGIZE.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX
Product: Debt collection

This debt is NOT mine and I demand that it is removed it is for {$2500.00} on XX/XX/year>
Product: Credit card or prepaid card

This is all started back in XXXX of 2019, when I notified Home depot that I had received bill showing charges made at a home depot store far from my home, they began their investigation, I explained to them that I didn't even have the credit card, because I had cut it up months ago after I payed it of. I received a series of letter showing that the accounts investigation had concluded in XXXX and they advised that all the charges had been credit to the account and that all fees and charges have been removed. A letter dated XX/XX/XXXX, states that another fraud investigation was going on, upon research I can see that the credit card number ends in a different number and I had my son call them and they stated this was for the same amount and at the same store that the other fraud charges were from and also the letter were now in Spanish and I never changed that, I have called home depot every other day and can not get through to them and when I have spoken to someone they give me the run around. I do not have the plastic credit card, the account is still open but I have not made any purchases on it in months. I only shop at the local home depot from my house, I do n't drive far distances. I strongly believe that is an employee doing this because I can seen to get any answers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is inaccurate fraud account and shall delete from my credit report by LAW. 

This account number XXXX with a balance of {$27000.00} shall delete as agreed by the creditor. 

This is not my account and the creditor agreed to delete it from my credit report by LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inaccurate hard inquiry on my Transunion and XXXX credit report from company XXXX XXXX made on XX/XX/2022. I received a letter from XXXX  XXXX stating Our fraud department was unable to confirm an application was submitted by you. Im here to asked Transunion and XXXX to remove the hard inquiry as fraud was detected with my information being used without my authorization. Please remove the inquiry, below I attached the letter XXXX XXXX sent to me after theyre fraud investigation.
Product: Credit card or prepaid card

Hello, My card has been blocked since I opened it. They asked me to verify my identity and I faxed and mailed a copy of my license over 3 or 4 times and still nothing. 
At this point I just want the account closed and the company to refund me the {$95.00} annual fee I already paid since they never allowed me to use the card. Why are they allowing me to open the account only to never even let me use it?
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a 3rd party filing this complaint. This is my final notice informing the credit reporting agencies of Misinformation/ Inaccurate/ Fraudulent and Incomplete reportings in my credit report. They are taken advantage of me and I demand these reportings be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, [ Americredit/GM Financial 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions ''
Product: Credit reporting or other personal consumer reports

HAVE TRIED SO MANY TIMES WITH EXPERIAN CREDIT TO REMOVE ALL OLD ADDRESS WHICH MY MAILS GOES TO OLD ADDRESS WHICH DOSENT BELONG TO ME. I HAVE REQUESTED EXPERIAN TO UPDATE MY CURRENT ADDRESS THEY HAVE NOT DONE ANYTHING SO FAR. I AM ATTACHING MY CURRENT ADDRESS ID SO PLEASE UPDATE MY INFO AND DELETE ALL THE OLD ADDRESS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account 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 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: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Product: Credit reporting or other personal consumer reports

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX
Product: Student loan

I received the documents pertaining to my first complaint with Consumer Financial Protection Bureau but XXXX failed to state that there would be an interest increase and ultimately a loan increase before they did the forbearance in their reply to the CFPB. Just like last year, I have the emails from XXXX where they stated a renew is needed but they did not provide the portals or state the necessary documents. I also have emailed that I sought a partner who I used to work with Doc Prep or Documents Benefits Center and they replied late. The renewal only covers next month up to a year without the previous months. During last year, XXXX has never gave me access to my account.
Product: Debt collection

I AM RECEIVING PHONE CALLS FROM A DEBT COLLECTOR. THE DEBT IS FOR ANOTHER PERSON NOT ME. I HAVE SENT A STOP AND DESIST LETTER. I AM STILL RECEVING CALLS FROM THEM PLEASE ANY HELP THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX On this account I ask them to verify & validate this account with signature. Information according reports dont match after I receive updates and copies of reports. Requested copies of contract with signatures never received along with price of car sold at auction if price included dealer upgrades of leather seats and doors in sales of car. If not the gave away the car at a loss. The balances is XXXX o n and XXXX on another so which is it. Their saying he paid for 3 years on one report then one he paid for almost 4 years and then they sold the car and he still owes XXXX. Is that predatory lending? Are they on the list for predatory lending? If so address XXXX XXXX XXXXXXXX That was ask to be verified it was handled by a Collection agency and when I sign with them and made a deal we settled for a deletion once I paid them and once I paid them the money through the collection agency they did give me a letter and said that it will be settled in full with the and I have to let I have misplaced that letter and then they say once they put it on my credit it was something else and I cant find that letter now. So XXXX got paid but the collection agency handled this situation. 
XXXX XXXX Reporting charge off when I Volunteer to pay them in a program in which I paid interest and I paid them in full.