23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX TX XXXX RMP SERVICES LLC XXXX RMP SERVICES LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RMP SERVICES LLC XXXX RMP SERVICES LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX
Product: Debt collection

Transworld Systems appeared on my credit reports in XXXX. I have never received a letter, phone call and even after calling them, no documents to support the balance they said I owed. 60 days later, still nothing. 1 credit bureau deleted them, the other bureau updated it. The dispute was conducted both on the same day. The collection will be removed XX/XX/21. In the meantime, they are reporting what seems like every day. They are being vindictive and have nothing better to do.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TU Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

On XX/XX/2018 I sent a debt validation letter to XXXX XXXX XXXX. They responded saying that the debt has been " verified '' and provided copies of a billing statement. That is not sufficient validation of me owing XXXX XXXX any debt. 

I requested that XXXX  validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They only provided me with a billing statement which does not prove that I am obligated to pay them anything. They have reported delinquent information to all three credit bureaus that I am asking to be deleted.
Product: Credit reporting

On XXXX XXXX a new trade line reported to my credit file that is currently a closed and inaccurate account on several fronts. The line of credit with XXXX XXXX was originally opened in XXXX of 2016, but subsequently closed due to unauthorized charges. Please understand that I am not disputing this account as fraud as it was indeed mine to begin with. I am however disputing that this account information is inaccurate for the following reasons ; ACCOUNT XXXX First XXXX account numbers : XXXX ( only thing reporting on my Experian credit monitoring ) Opened : XXXX 2016 Balance : {$16000.00} Limit : {$14000.00} Monthly payment : {$2600.00} Balance updated : XXXX 2016 Account type : Line of credit 1 - This account has been closed and frozen by me due to unauthorized charges connected both directly and indirectly with this account along with my checking now " previous '' checking account associated with this account accordingly. At the present juncture, this along with multiple others accounts associated with this line has in fact been shut down and closed. 

2 - This account balance and subsequently the " monthly payment '' are inaccurate due to the unauthorized and miss use of the account. 

3 - This account is also in the process of my disputing with XXXX multiple transactions and is henceforth reporting inaccurate data. 

4 - This account is XXXX and the same as the XXXX other accounts presently reporting on my credit file. You will see that they are the same line of credit but had to be closed due to my checking account being breached and fraudulently used. I had previously disputed and subsequently filed fraudulent claims with XXXX and was given the money back. Should n't these previous accounts be eliminated since they are the same as the one that I currently reporting? I do understand that the last " updated '' account, the one that I am disputing in this case will remain on my credit file as it should. 

Thank you kindly for your help with this matter. I am extremely grateful for the professionalism, efficiency and diligence that Experian has exhibited to me with my fraudulent concerns over this past year. 

Regards, XXXX XXXX XXXX Credit Report # : XXXX ****P.S. Due to my continuing fraudulent activity, I have now changed my phone number from ( XXXX ) XXXX to ( XXXX ) XXXX in hopes it may deter future problems from continuing to arise. Would you please be so kind as to update this number on both my credit file and on the Fraud Alert statement to reflect the ( XXXX ) XXXX replacing the previous number?
Product: Checking or savings account

I had a personal account and business account with wells fargo. I own a small salon and was doing my credit card processing with a booking company called vagaro. My wells fargo branch manager came to my salon with his laptop and for weeks tried to get me to switch my credit card processing to wells fargo. After 8 weeks of weekly visits with other members of the bank branch I finally agreed to switch if they would stop coming to my business. They had me sign a document at my business while I was with clients, after I signed I got a machine in the mail and began processing with what I thought was wells fargo. After the first month I was charge over XXXX dollars and fees and my account had multiple fee and withdrawls without any reason why even on days that my business was not open or processing credit cards. I had multiple accounts that were open and I had not opened them. I went to the bank branch 5 different times and they told me they could not stop the withdrawals from my account and that the branch manager had been promoted so I could not speak with him. They told me that I had to call a 3rd party who the processing company was with. I called and tried to send the processing machine back even though I had paid payments for it, I did n't want money back I just wanted to end my contract. They informed me that I could not send it back and that I would now be charge 3 times the amount I was told the machine cost by the branch manager and that I had to pay XXXX dollars to end my contract. My credit score went from XXXX to XXXX because of the credit hits that came from wells fargo and the credit card company. My small business is on the verge of bankruptcy and I am personally struggling because of this. I feel it is unfair for wells fargo to come and solicit my small business for processing and then charge me thousands of dollars in fees and withdrawals without answering as to why or how I can fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report does not reflect the true nature of my credit file. My identity was stolen and fraudulent accounts has been opened in my name, while I was XXXX. Here are the unknown accounts and I would like them blocked from my credit file. Account # 1 ( XXXX XXXX {$6000.00}, Account # 2 ( XXXX XXXX XXXX {$530.00}, Account # 3 ( XXXX XXXX {$290.00}, Account # 4 ( XXXX XXXX ) {$250.00}. I would like to be provided with the orginal signed agreements / contracts supporting these claims. But they are not mines, please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation results says item deleted from report and it's still showing on my credit report. I am a nurse and if this item is not removed like TransUnion stated, I could lose my job. Included proof.
Product: Credit card

I have a Target credit card account which the server is TD bank I have this card for over XXXX  years. Starting in XXXX, my payments started being returned I was charged late fees as well as bounced check fees. I disputed this with TARGET. I always have much more in my account than my payment amount and I do not bounce checks. I was told by the target rep that I had been revoking my payments and that is rthe reason that they are being returned Of course I have not been revoking my paymnets. 
I then called my bank, XXXX. I was told that targe was not presenting the payment to them. I once again disputed with Target since they now reported to the credit bureau that I was late or missing payments. 
This continually happened. Target is rude and nasty and will do nothing to solve the problem. I called XXXXXXXX XXXX again and this time ws told that Target ws not presenting the payment as an ACH payment, which is the reason that the payment is being returned. Target will don nothing about this. They since have closed my account causing my credit to drop approximately XXXX points. They refuse to refund any fees and they completely ruined my credit due to their error
Product: Debt collection

RE : CEASE AND DESIST SECURITY CREDIT SERVICES currently has an account listed on my consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraudulently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verification of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presence of such an officer whereby one swears to the truth of the statements in the document XXXX, XXXX. ( 1995 ). XXXX 's XXXX XXXX ( XXXX XXXX. ). I also demand proof that this corporation provides proof that I signed a contract with them. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as as follows Security credit services within 30 days from receipt of this notice. 
By : Shericka-D : Brown without prejudice
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I sent {$580.00} to my sister using their Pay Anyone feature. I sent the money to my sister XXXX XXXX by imputing her phone number, and I made sure it was the correct phone number to ensure the money went to the right person. After sending the money, my sister and I found out that a stranger name XXXX XXXX made a Chime account using her phone number and they had stolen my {$580.00}. My sister was receiving the Chime notifications that money was sent to this strangers account. On XX/XX/XXXX Chime Denied my claim saying there was no proof of any wrong doing. On XX/XX/XXXX I sent my sisters phone record information from her cellular account to prove that the number belonged to her and not the stranger XXXX XXXX. On XX/XX/XXXX Chime still denied my claim. I wasnt never provided any provisional credit during the investigation and Im in the process of being XXXX that was my rent money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no relationship with this company and I did not authorize this inquiry.
Product: Money transfer, virtual currency, or money service

I am writting to express my concerns regarding zelles handling of disputes particularly in light of 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 said that recovering fund wasnt possible and tracking transactions wasnt feasible. 
The CFPB findings reveal that zelle has failed to protect consumers and allow repeat offender to use the platform with malicious intent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). I would like to bring your attention to specific laws that outline your responsibility in handling disputes : 1. 15 U.S.C. 1681i ( a ) ( 1 ) - This requires credit reporting agencies to investigate disputed information within 30 days.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) - This mandates that if the investigation results in changes, I must be notified of the corrections made.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) - This requires reinsertion of previously deleted information to meet strict verification requirements, and I must be informed if this happens.

The inaccuracies on my report are having a negative impact, and I request an immediate investigation and correction of the following : Please provide me with the results of your investigation, the updated credit report, and a detailed explanation of the changes made in compliance with federal law.

If these issues are not resolved promptly, I will consider pursuing further action to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Reverification Letter XX/XX/2023 stated bankruptcy entries are UN-VERIFIABLE as listed by XXXX.
Product: Debt collection

I attended XXXX XXXX XXXX years ago. When attending I was young and unaware of the paperwork I was signing. I had no copies of my paperwork or student file! After further investigation this year of paperwork finally provided by the school, this month. The school is saying I never did an exit interview. I never received it! On the alleged exit interview paperwork it says I received a : 1. XXXX XXXX XXXX XXXX for XXXX 2. XXXX XXXX XXXX XXXX for XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX loan for XXXX Loan # 3 is what Im challenging. This loan was fronted by the school and paid for by the school. I was responsible for paying the school back once I dropped out of the program because they paid the loan for me. The school is now saying I owe them {$14000.00} through a 3rd party collector Jormandy. There is fraudulent activity going on. I was never told of XXXX when enrolling. I was told by XXXX that I was enrolling into a HELP loan program that was provided by the school. I NEVER signed nor did I ever agree to a loan with XXXX. XXXX was just found guilty of defrauding XXXX XXXX XXXX in 2018 for the same exact situation. I believe these charges are fraudulent and I want the school to be held accountable. They have harassed me for years for this money. I want all the money I paid to this fraudulent loan returned. I tried to uphold and clear a debt a I thought I owed. However, after looking into the situation deeper this isnt my debt! It wasnt made clear to me. They took advantage of my situation and they took money from me for profit..
Product: Credit card

I ordered an electric fireplace from Ginny '' s credit card. The product was defective and was retreturned and I requested my account to be refunded for payments made and credited for the defective product. 
I telephoned Ginny '' s credit department and was told that they will not refund they {$75.00} payments that were paid in XXXX XXXX, 2015 and they will hold they XXXX that I paid in XXXX for XXXX says. 
This appears to be predatory practices and theft by taking, as I have returned all products that belong to Ginny '' s due to manufacture defect, but they refuse to return my money. 
I am XXXX and XXXX and need help with this issue because Ginny '' s transferred me to there different people in different departments, all to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( XXXX. XXXX ) and ( XXXX. XXXX ( B ) XXXX XXXX XXXX Statutes of XXXX. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting

I have a lot of hard inquiries on my credit report not mine also slot if closed accounts paid in full please take all of these off
Product: Debt collection

Credit reports will exclude medical debt collections under {$500.00} Starting XX/XX/2023, the consumer credit-reporting bureaus Equifax, XXXX, and XXXX will no longer add medical debt less than {$500.00} to credit reports. Amounts of {$500.00} or more may still show up and can impact your credit score.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft for over 4 years. Someone has consistently use my information to fraudulently obtain accounts including bank accounts, loans and cars. The bureau has all of the information pertaining to these incidents, yet the accounts are still on my credit. One account was removed previously and is now being reported again. The person that is using my credit is believed to be a family member. I have sent in updated police reports as well as FTC reports to document these incidents. I want these fraud accounts removed from my credit immediately.
Product: Debt collection

To : XXXX Re : Complaint against [ XXXX ] and Dispute of Alleged Debt Dear Sir/Madam, I am writing to file a formal complaint against [ XXXX ] for multiple violations of consumer protection laws and regulations, and to dispute any and all debts they claim I owe. I assert the following : XXXX. I dispute owing any and all debts to [ XXXX ]. 
XXXX. I hereby revoke all rights for [ XXXX ] to communicate with me via email or text message. 
XXXX. I request full debt validation and a copy of the purchase agreement between [ XXXX ] and the original creditor. 
XXXX. I demand proof that [ XXXX ] is properly bonded and licensed to collect debts. 

Furthermore, I believe [ XXXX ] has violated the following regulations : XXXX. XXXX CFR XXXX ( b ) ( XXXX ) - Failure to provide required validation information XXXX. XXXX CFR XXXX ( c ) ( XXXX ) ( l ) - Improper disclosure of consumer rights XXXX. XXXX CFR XXXX ( d ) - Violations related to the form and content of validation information XXXX. XXXX XXXX XXXX ( XXXX ) ( A ) - Failure to provide proper notice of negative information The collection agency has used false, misleading, and deceptive means in their attempts to collect this alleged debt, which violates my consumer rights. 

I request that the CFPB investigate these violations and take appropriate action against [ XXXX ] to ensure they comply with all relevant consumer protection laws and regulations. 

Please inform [ XXXX ] that they must cease all communication with me except to provide the requested validation and documentation. Any further attempts to collect this disputed debt without proper validation will be considered a violation of my rights under the Fair Debt Collection Practices Act. 

Please contact me if you require any additional information to process this complaint and dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

This account appeared on my credit report. I contacted the XXXX XXXX XXXX in writing at 30 days, and then again in 60 and 90 days with a response from them stating that they have stopped collection activity. I also contact Experian and forwarded them the letter from the collection agency and they haven't removed them item from my report. 

I sent certified letters to Experian in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and this account is still reporting on my Experian Credit Report. 

The account is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the XXXX XXXX Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!