23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt collector identified as " A.R.M. Solutions Inc., located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX , violated multiple provisions of the Fair Debt Collection Practices Act, ( FDCPA ), 15 U.SC. Sections 1692 - 1692p. These violations are set forth below.

First, the debt collector failed to disclose in two ( initial ) XX/XX/2023 text messages that " ... the debt collector is collecting a debt and that any information obtained will be used for that purpose ... : See the attached screen shot of both text messages I received on XX/XX/2023. See Section 1692e ( 11 ) of the FDCPA.

Second, the debt collector failed to disclose it true name and/or full name in both text messages identified above. See Section 1692e ( 14 ) of the FDCPA. For example, the debt collector identified itself as " A.R.M. Debt Collector '' in the first text message, while the second text meesage identified the firm 's as " ARMS-Debt Collector. '' See the above-two text messages attached. Also, the debt collector was sanctioned by the California Department of Financial Protection and Innovation for this practice, which violated two California statutes ( e.g. Rosenthal Fair Debt Collection Practices Act and the Debt Collection Licensing Act, which incorporated all provisions of the FDCPA ). I filed a complaint against this debt collector to this state agency, which resulted in the debt collector being fined and subject to a Consent Order ( containing a Cease and Refrain Order within the Order ). See this state agency 's attached XX/XX/2023 Consent Order for this penalty regarding this unlawful XX/XX/2023 practice, which is signed by the agency 's deputy commissioner and the president/ceo of the debt collector. 

Third, the debt collector violated Section 1692g of FDCPA when it failed to provide me with the XX/XX/2023 letter ( describing my rights ) within five days after receiving the XX/XX/2023 text message. I received this XX/XX/2023 letter on XX/XX/2023, eight days after receiving the XX/XX/2023 text messages. See the debt collector 's XX/XX/2023 response letter regarding their inadequate reasons for violating the above Section of the FDCPA. Also, see the above state agency 's Consent Order, including the agency 's Proof of Service document, regarding the firm admitting that they mailed me the XX/XX/2023 letter on XX/XX/2023. 

Finally, the debt collector violated Sections 1692a ( 3 ), ( 4 ), ( 5 ), and ( b ) ; and 1692e ( 10 ) of the FDCPA, when the firm falsely stated in its XX/XX/2023 letter that I had more than thirty days ( e.g. respond by XX/XX/2023 ) to respond to this letter. See the XX/XX/2023 letter attached for this information.
Product: Debt collection

Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & HUNTER WARFIELD Debt under penalty of perjury.

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was ordered by the court to remove the loans from consumer credit reports due to a class action law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macys department store will not remove me as an authorized user on my ex wifes account. I have asked multiple times and they refuse either stating I can not remove my self or that it is just impossible to remove myself on a derogatory credit report as an authorized user on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XX/XX/XXXX {$1800.00} JMPCB CARD XX/XX/XXXX {$1300.00} JMPCB CARD XX/XX/XXXX {$2300.00} XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$1600.00}
Product: Student loan

This student loan was submitted and approved on line by an identity thief. I have submitted over 100 copies of the police report and federal identity theft report over the last 8 years. The company refused to provide the on line application IP address and supporting documents to both the local and state police. The company refused to submit the same information to the federal ombudsman during her investigation. The company refused to provide where the money originated and where it ended up. 
The company has filed to withhold my federal tax returns and any other federal monies owed to me ( over {$20000.00} so far this year ). When I contacted the company 's lawyer, he told me " so what, you owe it because your name is on the online application ''. 

Since the company refuses to work with the state and local police to find the thief, I can not prosecute. 

The company has now placed over {$120000.00} in interest and penalties on this illegal transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX  Experian XXXX  Suppression Request To Whom It May Concern : I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. 
-XXXX XXXX XXXX XXXX- XXXXXXXX -XXXX  XXXX/XXXX XXXX- XXXXXXXXXXXXXX XXXX XXXX XXXX- XXXX XXXX/XXXX- XXXXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXXXX Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information. 
Sincerely, XXXX XXXX XXXX Enclosed : A copy of my Identity Theft Report Copies of my drivers license and social security card ( to verify my identity and address ) A copy of section 605B of the Fair Credit Reporting Act Also, please note : * Please remove allnon-account holding inquiriesover 30 days old.

* Please add aPromotional Suppressionto my credit file.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above. 

This is identity theft and I expect you all to protect me and follow the guideline of the laws accordingly.
Product: Credit card

I was the victim of identity theft by a former tenant in my home, XXXX XXXX XXXX. The account with CITIBANK BEST BUY VISA CARD was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payments for a time without my consent or knowledge. I have tried unsuccessfully to contact Citi and reps argued with me that account was sold. I need to be absolved from responsibility with CITI. I have completed ( attached ) an ID Theft Affidavit with the FTC. I have also included copies of my government-issued ID and a recent utility bill for address and identity authentication. 


XXXX XXXX XXXX XX/XX/year> SS # XXXX ADDRESS : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX CELL : XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} inquiry XXXX XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers XXXX XXXX XXXX
Product: Debt collection

A debt collection agency disclosed the amount of my debt and who the debt was owed to to my parents. They called their number which is a landline at an address I have never lived at and disclosed the information to my mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reporting on my account is inaccurate, there are multiple addresses and names associated on my credit report that is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit card or prepaid card

I tried to apply for the Amazon Chase card because every time I try to buy something on the Amazon website they badger me relentlessly to apply for their card. I finally applied for it today. They denied me and when I called about it a woman with an international accent refused tried to rush me off the phone. She then further went on to state that my bankruptcy was the one and only reason why they were denying me. 

When I cited the FCRA prohibited her from denying me the woman then stated/insinuated that they were certainly allowed by law to deny me. I then stated that I had multiple credit cards ( all with XXXX balances ) that I could use to purchase the school books. The woman then put me on hold for a bit longer and finally came back. She asked me the same questions that I had answered on the application trying to purposely catch me in a lie. 

I then asked for the woman 's supervisor and she then stated there were no supervisors on the property, that she and only one other coworker were on the building 's property. I suspect some sort of scam is possibly going on, maybe even something fraudulent with people 's personal information. No call center is going to be operational without a supervisor present as I used to work for a call center about twenty years ago. 

When I informed her that I was going to file an official complaint her words were, " you are not going to file a complaint. '' I certainly would like to know how she intended to stop me. The card was going to be used for buying school books and nothing more since they were promising a XXXX dollar credit to the first month 's statement. 

She also did a personal great job of throwing my past credit mistakes in my face, and made no regards of looking at how well I was keeping my current accounts well paid off each and every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute with XXXX about this company reporting information that is bogus. JEFFERSON CAPITAL SYST Account XXXX is in my credit report I dont know who they are and I don't owe them anything. They claim on my report XXXX XXXX XXXX is the Original Creditor. XXXX never notify me that they sold my account to anyone and they closed my account as a charge off. If they sold my account this should be remove from credit report. Jefferson is in violation od the FCRA.
Product: Debt collection

I had a passed due account for a gym membership at worlds gym that happened because my credit card # changed. The debt was in collections status when I knew about it in XXXX of 2015. Once I noticed that I owed {$250.00} I promptly went and paid XXXX {$250.00} on XXXX XXXX 2015. The account was sent to collections in XXXX 2015 on this gym contract that was paid in full. When I reviewed my free credit report I noticed this was still on my report. Now a year later my credit score is down XXXX points because XXXX forget to end my membership and never marked my account that way in there system. When I received a call in XXXX of 2015, I called worlds gym and asked has this been taken care of and they said yeah its a scammer. Now I 'm risking not getting a possible job opportunity because this looks bad on my credit which has dropped from XXXX in the last year.
Product: Credit reporting or other personal consumer reports

The company did these inquiries without my consent, and I have no knowledge about them. Please remove them.
Product: Credit reporting or other personal consumer reports

" I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is my request to remove the negative items from my credit file resulting from alleged identity theft. 
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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$15000.00} XXXX XXXX XXXX XXXXXXXX {$96.00} XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, thereare laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Product: Mortgage

They lie. Trying to refinance and they called harassing promising over and over we would get cash back and not pay upfront if we refinance. If there calls are recorded they literally promised go back and listen to calls. Then day of closing they say we owed to close and also had names wrong on closing documents after I brought it up in the beginning and they promised on the final documents they would be corrected. Now they are correcting and keep saying each week we will sign the new documents and promising to call and dont answer or call. Then they said maybe we will pay at closing after promising again we wont pay this time around again. Still waiting to close on refinance and keep getting pushed months and months further
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Product: Credit reporting or other personal consumer reports

This is a formal notice to inform you that the address associated with my account is not mine and has been used without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ), under section 605B [ 15 U.S.C. 1681c-2 ], I am requesting the immediate removal of this incorrect information without further investigation. I am filing a report with the FTC for identity theft. Please confirm the removal of this erroneous information from my file. delete address XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX  XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan extension requested from ten year term -- -- to more additional years on time payments-NOT AN OPTION! INSTRUCTIONS- The company made it an application loan modification ... XXXX XXXX Sent many faxes with delays-185 pages-SHOWING ASSETS AT XXXX CASH and two homes no consumer debt late payments -or concerns- Many delays- Called with Delay rejected underlined items vs. circled line items then went to bank circled items and rejected cause header information was not on the page only showed the account number which matched the prior submission. Required me to send three times delaying pkg from XXXX XXXX to XXXX XXXX XXXX still 60 days from payment being late- These policies delayed kit from going to loan underwriting for 5 months. 150 days! Told thirty-days evaluation was required -- - XXXX XXXX XXXX They needed more time no commitment to when my decision would be made. XXXX XXXX XXXX They requested XXXX payment and two more trial payments of XXXX without any commitment I submitted this early-There is no reasonable explanation for late payments. " Loan was current and paid XXXX XXXX bill payment from XXXX XXXX but was rejected for interest only -- and returned not the full balloon payment -- for 121st payment. On XXXX XXXX XXXX Received loan modification for nine years only payment XXXX was XXXX prior- XXXX first mortgage exists with escrow account total is not viable. So no workable deal was made being disabled -- -a 20- year product would be viable -standard in loan industry today they made it nine. Want to refinance to reasonable payment-now lenders will not- Can not secure a loan with late notes on mortgage -- - forced to five percent interest and payment is not AFFORDABLEn with nine years as term for interest and balance after XXXX reductions in the process. Most probably I will be forced to sell my home. This is not fair or reasonable -policies favored investors and have not been true and forthright-correction needed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Credit reporting or other personal consumer reports

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer