23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year> Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Columbia Debt Recovery, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handing of disputes, particularly in the light of the reason CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFBBs findings indicate that Zelle has not only neglected to protect consumers but 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 consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC reports with 5 fraudulent accounts and fraudulent inquiries
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an XXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Ref. : COMPLAINT ID XXXX - SUBMITTED ON XX/XX/2020 Greetings, with reference to our complaint referenced above against Dovenmuehle Mortgage Inc, and its affiliate XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX Please note the following developments : 1. Dovenmuehle Mortgage Inc, with its deceptive and fraudulent intents, they FAILED and continued to FAIL in fixing our billing statements, to match the Mortgage Note terms and conditions.

2. Dovenmuehle Mortgage Inc, with its deceptive and fraudulent intents, they FAILED and continued to FAIL in acknowledging the Mortgage Note terms and condition and continued its fraudulent billing behavior.

3. Dovenmuehle Mortgage Inc, with its deceptive and fraudulent intents, in a desperate attempt to escape it responsibility and legal liabilities ; they notified us today via mail ( XX/XX/2020 ) that they are transferring our loan to a new servicing agent " XXXX XXXX XXXX '', XXXX XXXX, XXXX, CO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiry was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiry listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

these dept collectors have not provided me with proper validation for these allege dept there our XXXX of them i do not have a contract with any of them there our reporting inaccurately that the XXXX accounts our all open in my report i never had accounts with any of them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complain for same issue since last 5 months. The issue is going on with 9 Months and evetime new Rez say they never reported it and every time credit beuros says its new Rez who has reported it.

I am attaching screenshots from previous complain where i stated new rez lied in CFPB platform and saved their company and ruined my credit profile and haraased me for 9 months. I need a final help from Govt body and truth and who ever has done is should be accountable this time. 

I filed a dispute today XX/XX/XXXX as their report says late payment reported by new Rez with XXXX  with dispute number XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Back in 2022, I placed a lock request also went on the app I was told it was done. The lock was never placed on my credit. XXXX XXXXXX/XX/2022, my credit was run 6 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all these runs on my credit are auto loan runs. I would like this removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any idea about these accounts. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX  XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE!!! 

XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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

XX/XX/XXXX XXXX- Hard Inquiry done without my authorization XX/XX/XXXX XXXX XXXX Hard inquiry  done without my authorization XX/XX/XXXX XXXX XXXXXXXX Hard Inquiry done without my authorization XX/XX/XXXX XXXX XXXX Hard Inquiry done without my authorization XX/XX/XXXX XXXX XXXX Hard Inquiry done without my autorization
Product: Debt collection

On XX/XX/XXXX I filed a complaint with the CFPB against Tempoe LLC XXXX XXXXXXXX for deceptive practices and converting a purchase agreement into a lease arrangement after the product was paid in full ( CFPB Complaint ID XXXX ). On XX/XX/XXXX the CFPB ordered Tempoe LLC to pay {$36.00} XXXX in penalties and provide relief for tricking consumer and hiding contract terms ( CFPB choice of words from their press release heading ). Docket number XXXX. Tempoe consented to this order. In XXXX of XXXX, Tempoe sold the alleged debt to XXXXXXXX XXXX XXXXXXXX XXXX. With the assistance of the CFPB I was able to get them to delete the tradeline from my credit reports and received a commitment from them to never resell the debt. ( CFPB Complaint ID XXXX ). However, XXXXXXXX XXXX XXXX purchased this debt and refuses to acknowledge the terms of the consent order and all previous CFPB actions. This tradeline remains on my credit file and is resulting in a significant rate bump on my mortgage application due to it lowering my credit score. Over the course of the mortgage term, this rate bump is equal to {$86000.00}.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax Data Breach, I want these items deleted from my Credit Report, I requested and disputed from XXXX an XXXX regarding inaccurate information and closed accounts with derogatory information that doesnt t belong to me. Because I have been victimized and my identity compromised not only through the Equifax Breach but through XXXX XXXX XXXX also with my personal information such as my Name, and Social Security Number, please assist me in getting the information corrected.
Product: Vehicle loan or lease

I recently completed a consumer credit application with Mercedes Benz Financial Services on XX/XX/2020. Proof of that application is seen in the first attachment. Upon entering into a consumer credit transaction which can been seen by attachment number 2 that I never received my property. I extended credit as a consumer should and was never given any property to show proof of this consumer credit transaction. I only received an adverse action which pursuant to 15 USC 1691 ( d ) ( 6 ) only applies to insurance and employment so I am not sure why they sent an adverse action instead of the property and a breakdown of the finance charge. I am seeking help from the CFPB as MBFS has pretty much stolen my identity at this point and furnishing on my report is the result of this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX, 2017 I have continuously submitted dispute with the XXXX major credit bureaus regarding information pertaining to bankruptcy on my credit report and have proved with documents that they are not contacting the actual court clerk in this warrants an investigation by someone, The XXXX major credit bureaus are providing false information, without the facts actually being sought. I have sent letters of intent to sue based on their negligence of this matter because I have provided documents many many times On my files, and they refuse to remove false information and have cost me a home, and vehicle due to their false reporting, I ask this be addressed and some one look into the fact that these bureaus are not complying to laws in place to protect the consumer, unless it is for their benefit, I 'm at the point I can not really afford legal counsel but am being forced into this position as they, and anyone I file with, will not serve justice. I demand the Bankruptcy items be removed, as they contain false unverified information and all things associated within.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX  XXXX XXXX about the reporting of transactions on my credit report without the written express instructions to report to the credit reporting agencies. The false reporting resulted in late payments being reported without my consent. This was a violation of 15 USC 1681b-Permissible Purpose. When I attempted to investigate the reporting of the information with XXXX  XXXX XXXX, they replied that they could not locate the account. To resolve this matter, I would like for XXXX XXXX XXXX to remove the false reporting account from the credit bureaus ( Experian, XXXX, and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have close to 30 inquiries that were put on my credit without my authorization. I started the process of purchasing a vehicle through a car dealership with my own financing. They took it up son themselves to take my personal info and send it to 30 something banks with out my consent. I have reached out to all three credit reporting agencies but have not had any luck.
Product: Credit reporting

I am an XXXX with XXXX properties in XXXX FL. XX/XX/XXXX I received a bill for {$28.00}, which I immediately paid via online banking on XXXX/XXXX/XXXX. In checking my credit report XX/XX/XXXX/XX/XX/XXXX, I found an unknown charge from a company for {$36.00}. In calling the company, they advised me that they were contracted by XXXX XXXX. I called XXXX XXXX, as I knew I had paid them. It was at this time that they advised me that they received my payment XX/XX/XXXX, but they did not know where to apply it. Please note, I only have XXXX accounts with them in XXXX FL. When I asked them why they did n't bother to phone, they did not have an answer. They told me that I would have to deal with the Collection Company. I called back. I explained the entire situation. I heard nothing back, so I checked my Credit Report again and the {$28.00} was credited, leaving a balance of {$7.00}. I called back to the Collection Company. I spoke with XXXX on XXXX/XXXX/XXXX, who informed me that they are contracted to do the final bill with XXXX XXXX. I asked her how I can pay the balance and have this removed off of my credit report due to the circumstances. She could not help me. I asked for someone " above her '' to call. On XXXX/XXXX/XXXX, XXXX XXXX, VP of Operations phoned. I went through the entire story again. I informed him that I DID NOT RECEIVE ANY NOTICES IN THE MAIL FROM THEM. He verified that the last mailing that was going to the same address as the previous XXXX was, in fact, returned to them. He refused to help me, so I asked to speak to someone above him. He informed me that " he is it. '' He said that the President of Operations does not speak to the public. He will not remove the account from my credit report, even though XXXX XXXX received the payment and did not bill me for the balance due. Neither XXXX XXXX or XXXX XXXX ever called me regarding the initial payment made in XXXX of XXXX or notices that were supposedly sent. This was verified by the account. I want the account removed immediately from my credit report, as XXXX XXXX dropped the ball and XXXX refuses to cooperate!
Product: Payday loan, title loan, or personal loan

I secured a loan for approximately $ XXXX from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, SC XXXX The credit union closed and State Bridge located in Colorado took over management of the loan. Since Statebridge took over management of the loan, they have consistently mismanaged payments and accused me of being past due. Money orders were sent and they would indicate that the money orders were not received. When I checked to determine if the money orders cleared, clearance occurred. I sent them correspondence with every money order and the amount. The correspondence was acknowledged, but no response. At this point, I am unable to speak with a manager and have called multiple times to have a conversation. I believe I should be done with paying the loan. However, their records are inaccurate and the are unwilling to communicate
Product: Credit card or prepaid card

I received a credit card bill from Citi on XX/XX/XXXX saying I owed {$8700.00} on an account I do not own and never opened. Since I do not speak very good English, my husband called Citi and told them this is not my card, that I may have been the victim of identity theft and they agreed to close the account. Citi sent me a letter dated XX/XX/XXXXsaying they closed the account. I sent them a Statement of Fraudulent Application signed by me onXX/XX/XXXX that they requested. Citi sent me a letter dated XX/XX/XXXX stating my claim that this account was fraudulently opened was denied and that I am responsible for the account in question. I asked my son to call the telephone number on the letter on XX/XX/XXXX and he spoke to XXXX  from Citi with me on the line, and they continued to insist that I opened the account and I am responsible. I sent Citi a letter demanding all of the account opening documents that Citi has in their possession, including signatures, IP addresses used to open this account, etc. pursuant to the Fair Credit Reporting Act, but Citi has failed and refused to provide me with the documents and will not respond to my request. OnXX/XX/XXXX, I received yet another billing statement from Citi saying I now owe {$18000.00}. This is now becoming ridiculous!

I did not open this credit card account. It appears that someone has stolen my identity and fraudulently opened this account in my name.

Citi has failed to perform due diligence when they allowed someone other than me to open a credit card account in my name and did not follow the proper protocol when they allowed over 50 charges totaling over {$18000.00} in just a 5 day period mostly in Florida. I have not been to Florida in over 6 years. In addition, Citi has violated provisions of the Fair Credit Reporting Act by refusing to respond to my demand for all account opening documents. It is my understanding that there are civil penalties for thess types of violations and I am requesting that your agency issue fines and penalties against Citi for their actions.
Product: Credit reporting or other personal consumer reports

I recently requested a validation of debt under FDCPA. I AM INVOKING MY RIGHTS UNDER FCRA 611 ( a ) ( 7 ) to request comprehensive description of all methods employed to verify the collection account being reported. If the debt can not be validated within the 30 day period mandated by the FDCPA. I REQUESTING THE DEBT BE REMOVED FROM XXXX, XXXX and EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a letter was sent to transunion with a copy of my social security and ID, after checking my credit report I noticed 6 unauthorized inquiries without permissible purpose, I expressed to Transunion under the fcra reporting act they should be removed, transunion responded with a refusal to remove these hard inquiries that I did not approve. Under the Fair credit reporting act there actions constitute a violation to my rights
Product: Vehicle loan or lease

I leased a new XXXX Audi XXXX on XX/XX/XXXX At the end of my lease term, I purchased the vehicle from Audi for {$26000.00}. Audi has my vehicle paid off in full as of XX/XX/XXXX. 

Since that time I have been unable to receive my title from Audi. I have called Audi financial several times, and each time was told that I failed to send in my odometer statement. I provided the statement by mail three separate times. 

Most recently, on XX/XX/XXXX I called and spoke to XXXX, who agreed to FedEx me a new odometer disclosure. I returned the disclosure via FedEx and it was received by Audi on XX/XX/XXXX. 

Today ( XX/XX/XXXX ) I called Audi to ask when I would receive my title. XXXX said that they now my odometer statement, and while he received " permission '' to expedite my request, it would still take several weeks for me to receive it. XXXX said that Audi recently switched vendors for title services, and the delays have been causing a lot of " pain '' and " heartburn. '' I intended to purchase a new vehicle today, one that I had been looking for a long time, but now have to cancel the deal because I can not provide the title to my Audi trade in. At this point I have no hope of every receiving it! 

Thank you for your attention to this issue.
Product: Debt collection

I have requested these XXXX accounts be validated and was told that they did not have to since it was not requested in the first 30 days. I never received notice at any point that I owed anyone any money. I have disputed this with the bureaus several times and spoke to this company directly. I am getting the run around and there is nothing that indicates this is mine. I want it off my credit report this is absolutely illegal what they are trying to do. I want a letter from them indicating they are deleting any reference to the XXXX accounts XXXX & XXXX.