23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern : This is a written statement regarding the above medial record number. On Thursday XX/XX/XXXX, I received a notification from XXXX that there was a new collection item added to my account under Design Receivable Solutions Debt Collection Agency, under XXXX : XXXX with a date of service of XX/XX/XXXX. 

I called and spoke with XXXX at Design Receivable Solutions @ XXXX ext. XXXX on XX/XX/XXXX @ XXXX XXXX, who confirmed the collection account is from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. 
I can confirm and prove that I have never been a patient at this XXXX XXXX. I am not a resident in or near the XXXX XXXX area nor have I EVER been. I do not have family or friends in or near the XXXX XXXX area either. I have been a resident only in XXXX California all of my life. Currently a resident of XXXX CA since XXXX ; and previously XXXX XXXX AND XXXX XXXX, CA. I am a victim of ID theft and have been since XXXX. I currently have about 10-15 police reports that I have filed myself and police reports that have been provided to me from various police departments over the years. 

Again, I am not a patient at XXXX XXXX XXXX XXXX nor have I been a patient with this XXXX XXXX therefor I am not responsible for this debt. Please investigate this and remove my name and SSN out of your system or database, ASAP and please notify the authorities. 

I called and spoke with XXXX in XXXX XXXX @ XXXX XXXX XXXX XXXX @ XXXX today, XX/XX/XXXX @ XXXX, who confirmed my identification and provided me with the medical record number and date of service. He also advised me to include in this email : My CA ID and a document showing my address at the time of the date of service that is being billed XXXX XX/XX/XXXX ). This email is also being sent from my employer email which shows the address of my current employer. I also included my employee verification with my start date. 

Collection Agency : Design Receivables Solutions Ph : XXXX Fax : XXXX Account # XXXX Police Report Number : XXXX
Product: Student loan

Navient tries make you pay so much interest so that your principle is never paid. They give inconsistent information and each customer representative you speak to gives you different answers. They attempt to make you pay more than half your paycheck and say they can do nothing else, even when you are reaching out to them to make payments. They tie you in and threaten you with lawsuits when you are trying to set up a payment plan. Interests rates are really high and they report to the credit bureau and will not take off Mark 's they made which are incorrect even when your account is currently up to date. Proper loan education or information was not given at the time loans were taken out. Navient makes it so you can pay high payments each month and your loan will still never be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there were several unknown inquiries which I do not recognize and did not authorize. These inquiries affected my credit score which may affect my ability to get loans and mortgages. I do not even know what are those companies who inquired and pulled my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete this account in its entirety. Thank you, XXXX XXXX - account # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

I get Social Security Disability every month. I received my payment of {$1800.00} on XX/XX/XXXX. I was overdrawn in my Wells Fargo credit card/installment loan accounts at the time of my SSDI deposit. Wells Fargo took it upon themselves to take {$400.00} out of my check to pay for the overdraft, without a garnishment or legal notification. These are government benefits that I need to live on. I am currently struggling financially and in the process of a XXXX  XXXX bankruptcy. After speaking with a couple of customer service representatives at the bank, they refused to refund me the funds that were taken out of my account. Could you please investigate this matter, and, have Wells Fargo send me a check for {$400.00}, the amount of the funds illegally withdrawn? XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get all of accounts that are in my collection accounts section on my credit report to be removed and corrected on my credit report ... Because none of these accounts are mine. I have tried to file a dispute with XXXX personally on there site online but it continues to give me an error # ( XXXX ) So im unable to complete the dispute process. 
The only account in my entire report that is mine is for the mortgage loan I have still revolving to this date. Please help.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to properly investigate and remove inaccurate and unverifiable collection accounts from my credit report. Despite multiple dispute letters, Experian has failed to provide verification or remove these accounts, violating the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA : 15 USC 1681e ( b ) Failure to ensure maximum possible accuracy in my credit report.

15 USC 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation within 30 days.

15 USC 1681s-2 Furnishers failed to verify or correct inaccurate information.

15 USC 1681i ( 5 ) ( B ) ( i ) Reinserted accounts without notifying me within 5 business days. 
Disputed Collection Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) Account Number : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Violation : Failure to verify accuracy and reinvestigate dispute. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$940.00} Date Opened : XX/XX/XXXX Violation : Inclusion of obsolete/inaccurate information. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) Account Number : XXXX Balance : {$530.00} Date Opened : XX/XX/XXXX Violation : Failure to verify accuracy and reinvestigate dispute. 
XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX Violation : Failure to conduct a proper investigation. 
Impact of Experians Non-Compliance :

Experians failure to remove inaccurate and unverifiable accounts has significantly impacted my credit score, financial well-being, and ability to obtain housing, loans, and employment opportunities.

Experian is also in violation of 15 USC 1681n, which states that any consumer reporting agency that willfully fails to comply with the Fair Credit Reporting Act ( FCRA ) is liable for : Actual damages or statutory damages of up to {$1000.00} per violation Punitive damages as determined by the court Attorney fees and court costs By knowingly reporting false, inaccurate, or unverifiable information on my credit report, Experian has willfully violated the FCRA, and I reserve the right to pursue legal action to seek compensation for these violations.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial Institute and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX XXXX Open XX/XX/17 Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft & this account needs to be deleted from all 3 credit reporting agencies. I have attached the police report number for XXXX XXXX as well as the bureaus.
Product: Payday loan

This company agreed to settle this usury interest rate account for {$1400.00}, I have paid XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX {$500.00} on the settlement amount, my credit report says I owe them {$4700.00} on a {$3500.00} account, I paid them {$2700.00} on this account before my income was dramatically reduced, I have sent them {$500.00} on this settlement amount on this account XXXX. Please have them update my account as paid in full. I am a XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i applied for a credit card on XX/XX/18 with XXXX XXXX an i got denied based on my credit report that was send from experian with all type of inaccurate things on my report. which caused me to denied for credit.
Product: Prepaid card

Received an amex card as a gift and have tried to use it three times at stores and online but have been unable to use it.
Product: Mortgage

On XX/XX/2021 the company informed me they are starting with foreclosure. On XX/XX/2021 I responded to email that I received from XXXX XXXX on XX/XX/2021 and I asked her why she asked me to make a mortgage payment when I am in a forbearance plan for XXXX and XXXX and I also asked her if I do as she says in her email if I make one payment she will bring my account current. Same I have called her many times and sent her extra few emails for the same question but she never responds to my email. And my forbearance was confirmed on XX/XX/2021 by XXXX XXXX. So I do not understand why this company are making me stress. One person telling me one thing and another telling me other when they are working for the same company and they need to follow the same rules. Because they are going by the account and they see what the status of the account is. When they know I am affected by COVID-19 hardship. And the company needs to follow the Governments rules. They know that before forbearance plan end they can not start with foreclosure process. What ready make Shellpoint Mortgage servicing ( " Shellpoint '' ) need to correct mistake. Like I said before they need to follow Government rules. Not to make people more depressed in this difficult times. And also I have 4 properties and it is valid for all 4 of my properties loan numbers are : XXXX, XXXX, XXXX and XXXX. Because I do not want to file 4 of the same complaints, because it is the same mortgage provider Shellpoint Mortgage Servicing ( " Shellpoint '' ) for my 4 properties that are in the same position.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Fraudulent Accounts to Be Blocked and Removed Due to Identity Theft Dear Credit Reporting Agency, I am writing to formally notify you that I have been a victim of identity theft. My personal information was compromised in the XXXX data breach, and as a result, fraudulent accounts have been opened in my name without my authorization. 
Per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that the fraudulent accounts listed below be blocked and permanently removed from my credit report. 
Fraudulent Accounts to Be Removed : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6700.00} Enclosed with this letter, I have included the following documents to support my request : A copy of my government-issued identification ( drivers license or passport ) A copy of a utility bill or bank statement to verify my address A copy of my FTC Identity Theft Report ( or police report, if applicable ) A copy of any relevant correspondence with creditors regarding these fraudulent accounts Please investigate and remove these fraudulent accounts from my credit report immediately. I also request that a fraud alert be placed on my credit file to prevent further unauthorized activity. 
If you require any additional information, please contact me at the phone number or email listed above. I appreciate your prompt attention to this matter and expect written confirmation once these accounts have been removed. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

I'm XX/XX/XXXX an employee of XXXX XXXX XXXX called and text co -workers (more than one) of mine inquiring information about my husband and I for the personal gain of reposessing the car (a car loan currently being serviced by XXXX).  We fell on hard times with one income like many consumers and we were trying to work arrangements with XXXX XXXX   XXXX but that does NOT give the right for any employee of a Collection Company /XXXX to allow employees to contact un-authorized 3rd parties for gain. The Collector at XXXX XXXX XXXX disclosed how far past due our account was, disclosed it was out for Repo and she was actively looking for it to reposess it because "that's what I do now Repo Only" . She discussed a private conversation my husband had with a Supervisor at XXXX when he called to make a compalint aboutbthe matter that occured on XX/XX/XXXX. This Collector was bosting as if she was proud. As if tbis was "normal repo practice for Collectors at XXXX ".  She asked where I worked, if my Car was parked outside (referring to.my place of employment),  she asked what my husband and I drive. We immediately advised XXXX of this as soon as it occurred on XX/XX/XXXX. They have not offered anything to help us with the humiliation, pain and suffering this has caused our entire family.  Instead we were told by there legal.counsel that our account WILL go back on the dialer as of XX/XX/XXXX. This is unfair and against our rights as consumers.
Product: Credit reporting or other personal consumer reports

I am writing you this notice to update the information in my consumer report. See letter for my accurate personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$67.00}
Product: Checking or savings account

Dear Federal Trade Commission OR Consumer Federal Protection Bureau I am writing to file a formal complaint against Possible Finance, regarding their predatory billing practices and utter disregard for customer requests. Despite numerous attempts to rectify the situation, the company has persistently failed to remove my checking account from their system, resulting in unauthorized charges. 

I am currently undergoing a divorce and will no longer be a joint account holder on the checking account linked to Possible finance. I have explicitly communicated this to them over XXXX weeks ago, pleading over XXXX times for them to remove my account to prevent unauthorized charges. Despite their assurances via email and within their app that my account has been removed and there is no bank connection, they have continued to charge the account linked to my soon-to-be ex-spouse. I am currently going through a divorce and did the right thing in letting them know I will need to get them paid another way as I will no longer be a joint owner on the linked bank account number. 

On XX/XX/XXXX, I received yet another email indicating that my account would be charged, despite assurances that it had been removed. When I reached out to inquire about the bank they were charging, they ceased communication altogether. This is not the first instance of such behavior ; they have previously charged the account after confirming its removal. 

This refusal to remove my account, coupled with their repeated unauthorized charges, is not only infuriating but also financially burdensome. Their suggestion of paying via money order is impractical, and their failure to accommodate alternative payment methods is unacceptable. 

As of XX/XX/XXXX, I will no longer be associated with the account in question. Therefore, their insistence on retaining my account information beyond this date is not only nonsensical but also predatory. I demand immediate action to rectify this situation, including the cessation of unauthorized charges and the return of funds wrongly taken from the account. 

I implore the Consumer Federal Protection Bureau to investigate this matter promptly and hold Possible Finance accountable for their egregious actions. Consumers deserve to be treated with respect and integrity, not subjected to such appalling behavior. 

Thank you for your attention to this matter. 

Sincerely,
Product: Debt collection

I.C. SYSTEM INC. has sent a disclosure in their attempts to collect on a debt from original creditor ; XXXX XXXX. XXXX XXXX has charged off and written off this account to be filed as income on a federal income tax. There is no balance for this account. I.C. System is attempting to collect on a debt and obtain money that they are not owed. This is an organized crime, attempting to receive money on an account that has been written off and reported to the IRS. There is no debt or no balance owed to I.C.System, INC. The collection agency is in violation pursuant to the FDCPA and are violating my rights of privacy pursuant to The Privacy Act of 1974. I.C. System Inc is in violation of the following ; 15 U.S.C 1692b ( XXXX ), 15 U.S.C 1692b ( XXXX ), 15 U.S.C 1692d ( XXXX ) and 15 U.S.C 1692d ( XXXX ). I am disputing all parts of this alleged debt. I have no contractual agreement with I.C. System INC that indicates any payment has to be disbursed to your company. I.C.System INC is in non compliance with the FDCPA in illegal practices as there is NO DEBT. I am willing to settle I.C.System INC civil liabilities and damages that you have intended to cause upon me in the amount indicated in the attached documents with this dispute. 

I have attached documentation to this dispute with the disclosure I.C. System INC sent and my correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, failed to delete XXXX XXXX XXXX account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. TransUnion is showing XXXX XX/XX/XXXX XXXX, XXXX  is showing XXXX XX/XX/XXXX XXXX and XXXX  is showing ( XX/XX/XXXX ) additional information : all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor.
Product: Credit reporting or other personal consumer reports

Ive noticed discrepancies on my credit report under 15 USC 16c-2. Unapproved hard inquiries are listed, and I request their immediate removal to correct my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through my credit card monitoring, I was alerted that someone tried to open a XXXX XXXX XXXX Credit Card in my name on XX/XX/2020. I called the XXXX XXXX XXXX fraud monitoring department in XXXX when I caught it and verified with them that they marked it as fraud and closed the account before it could ever be opened. I filed online complaints with XXXX  and XXXX  who removed the credit pulls from my history within a few days. Since I prevent an account from being established, TransUnions process annoyingly required that I must call as their online processed only allowed me to file a complaint if an account was established. I called TransUnion who reassured me that since an account wouldnt be established that it should automatically drop off within 90 days of the XX/XX/XXXX date. TransUnion did continue that they could remove it sooner if they got a removal letter from XXXX XXXX XXXX to authorize it. However, talking to XXXX XXXX XXXX, they had never heard of a removal letter and wouldnt authorize one as they fraud department had to complete the investigation. It is past the 90 days and I still have the fraudulent credit pull on my TransUnion credit report. Please help as I feel useless against these big corporations and their processes!!!
Product: Credit reporting or other personal consumer reports

I was checking my credit report on XXXX XXXX at XXXX and it appears that XXXX XXXX XXXX  XXXX account number XXXX and XXXX XXXX XXXX account number XXXX are the same account.