23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On about 2018, I was a victim of apparent Identity Theft as well as Data Breach from several businesses i.e. XXXX, XXXX, XXXX and others. I reported the information to the consumer reporting agencies as I was getting calls and collection attempts for accounts that I did not consent to, authorize or create. Nothing was done other than tell me that the accounts are mine. I explained that someone had used my information to obtain credit and I would not be responsible for for payment and that they remove such accounts from my credit reports, but to no avail. Also some of the accounts eventually went into collection and was either assigned or sold to non-compliant collection agencies. They started sending me letters and putting erroneous, inaccurate and false information on my consumer credit report. I called them and I wrote to them and I tried on numerous occasions to have them remove the accounts from my credit reports, but they threatened me and bullied me and tried to extort money from me. I have tried contacting the three credit reporting agencies, XXXX, Transunion and XXXX and they give a half effort to verify the accounts with the creditors on the credit cards and the collection agencies for the unpaid accounts. Obviously, as I have communicated to the credit reporting agencies, the information will be VERIFIED by the creditors as my debt because the information obtained to open the accounts is similar to my information but the addresses used and the use of the credit cards was not my doing. But the credit reporting agencies allow the collection agencies and the creditors to continue to state that the debt is mine without obtaining the " ORIGINAL CONTRACTS '' from the creditors and collection agencies. All of the collection agencies who are attempting to collect on the debt are not AUTHORIZED by the State of GEORGIA to conduct collection business ; therefore they are in clear violation of federal laws and violating my privacy rights. They have no permissible purpose to collect from me as well as not be allowed to report negative information on my credit reports. 
I am requesting that your agency submit a CEASE and DESIST order to them and have them remove all negative collections from my consumer credit reports within the next 15 days. I would also ask that I be awarded civil damages from the following collection agencies for the blatant violation and disregard of federal laws. 
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your cooperation in the matter would be greatly appreciated. I am also attaching several attachments to this complaint and you should be aware that I have submitted these documents to the collection agencies and the Credit reporting agencies and the negative accounts still remain on my consumer credit report without my consent and my authorization. 
PLEASE STOP THE COLLECTION ATTEMT AND PERMANEMTLY REMOVE AND DELETE THE NEGATIVE ACCOUNTS OFF OF MY CONSUMER CREDIT REPORTS. ( ALL THREE CREDIT REPORTING AGENCIES )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX XXXX, Account number : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX, Account number : # XXXX XXXX  XXXX XXXX, Credit Report : # XXXX, Credit Report : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX, I contacted the Debt Collection Company by the name of ERC located XXXX XXXX XXXX, XXXX, FL XXXX, Acct # XXXX, asking that they send me verification of the debt that I supposedly owe for XXXX XXXX XXXX XXXX XXXX, in the amount of {$400.00}, that 's appearing on the Credit Files. I stated that I do not recall the account, because I was believe I was XXXX at the time this account was open in XX/XX/XXXX, and would like verification of this amount, along with documents to support my signature of the Debt. As of XX/XX/XXXX, ERC has not responded. I also disputed the entry with the Credit Bureaus, such as XXXX, XXXX & XXXX, all XXXX ( XXXX ) have responded that the information has been verified as accurate. When I  contacted the Credit Bureaus by phone, and asked what information the company provided as verification ( such as contract with signature, name and bill or etc ) and was told I need to contact the creditor. Thank you XXXX XXXX XXXX
Product: Checking or savings account

I added {$440.00} from my Bank Of America checking account to my XXXX XXXX It said declined from XXXX but withdrew the funds from my checking account anyway. No record on XXXX. I called in on XX/XX/23 to dispute the transaction and the original rep told me that it is covered under regulation E and that if there was no resolution within 10 business day I would recieve a provisional credit. 10 business days go by and I call in to BofA to get an update. I am now being told the original rep gave me misinformation and that in fact the transaction was not covered under regulation E. Some back and forth and I ask to speak to a supervisor. XXXX from XXXX said that she is sorry I misinterpreted what the original rep told me.Putting the blame on me. I said no, they certianly told me it was covered under regulation. I do some research on exactly what is this regulation and to me " electronic funds transfer '' seems to be covered. XXXX went on to say how services and digital goods are not covered. I asked her to point to me where it says that. She became irrate saying " its not her job to help me understand the bill. If I have a problem with it to take it up with congress because they are the ones who write them. '' I asked them to explain to me what guidelines are and why this isn't covered under electronic funds transfer. She just continued belittling me and putting the blame onto me and then hung up on me. Just blatanly lying to my face.
Product: Debt collection

PDQ Services , Inc. issued a letter dated XXXX XXXX XXXX ( copy attached ) regarding Account # XXXX, the claimed amount is highly likely to be a mistake by XXXX located at XXXX XXXX  XXXX XXXX, XXXX XXXX, GA, XXXX due to the following reasons : XXXX I have successfully conducted a move-out inspection with XXXX XXXX representative for the apartment location at XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX. Therefore, repair and cleaning items indicated in XXXX invoice attached in your above-referenced letter are incorrect. Please find attached copy of move-out inspection report filled by XXXX management XXXX 
XXXX XXXX have never sent me any amounts due for payments. The invoice attached to your letter was never sent to me before. Please provide any available evidence that this invoice was delivered to me before reporting the claimed amount. 
Accordingly, I was not able to contact XXXX management within XXXX days of receiving their letter to discuss that I dont agree with the payments and/or make satisfactory payment arrangements prior to mistakenly reporting the claimed amount as a debt due for collection. 
In addition, XXXX payment portal Apartment Assistant shows a XXXXbalance on me. Please find attached a recent screenshot from Apartment Assistant. 
XXXX XXXX invoice attached to your letter indicates some lease termination penalty and fees which are not legitimate per the contract between me and XXXX XXXX Please find attached a copy of the executed lease agreement. 
XXXX XXXXstanding the above evidence that there are no payments due to XXXX XXXX XXXX has prorated the rent value of the month of XX/XX/2020 ( the last month for me to be a resident of XXXX ). Which is another proof that there should not be any contractual penalties on me. Please see attached screenshot from XXXX payment portal indicated that the prorated rent for the month of XX/XX/2020 has been fully paid. 
XXXX I have obtained the attached written correspondence from the current management of XXXX which again clearly shows that I do not owe XXXX XXXX monies. 
Given the above detailed and accurate facts, I requested PDQ Services Inc. to urgently remove the debt collection and remedy my credit report due to incorrect reporting of the claimed amount.
Product: Checking or savings account

XX/XX/2023 my Sister XXXX XXXX sent me some money totalling about {$13000.00} from her XXXX with refrence number of XXXX I got to my bank and the money was not reflecting and my bank said they wants to close my account Please help me tell my Bank of America to tell me where the moneh is Because I am confused and lost
Product: Debt collection

Last fall my social security account was compromised. Nation Star Mortgage keeps calling me telling me I have an account with them. Which I do not. My credit report is excellent ... no breaches have been detected. I hesitate to give them my last XXXX digits of my social security number to inquire about this alleged account.
Product: Money transfer, virtual currency, or money service

Iam writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting signficant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately.They informed me that reccovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPB ; s 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 card

Chase reduced my credit line from $XXXX to $XXXX, even though the balance on the account was only $XXXX.  I have been a customer for a decade and have never had a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because XXXX, transunion and XXXX   has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately
Product: Debt collection

Hello, I filed a complaint in XXXX of 2019 with my Attorney General ( XXXX XXXX ) about this inaccurate account XXXX XXXX {$4100.00} on my Experian. My XXXX number is : XXXX and his address is XXXX. XXXX XXXX XXXX, California XXXX After their investigation these accounts were removed, but has resurfaced on my credit file as of XXXX, kindly have the credit bureau delete the inaccurate account from my credit report, because it's causing financial hardship as I am not able to acquire new credit.
Product: Student loan

- Proof of Payment XX/XX/XXXX : paid by XXXX XXXX XXXX on behalf me ( XXXX XXXX XXXX XXXX, Bld XXXX, XXXX XXXX, XXXX AZ XXXX. Phone : XXXX, check date : XX/XX/XXXX ) for amounts of {$10000.00}, {$980.00}, {$5700.00} to XXXX XXXX ( Please, Check Exhibit # XXXX, Page XXXX ) - Proof of payment for XX/XX/XXXX : I paid using my bank account ( XXXX XXXX posted on XX/XX/XXXX ) for an amount of {$6200.00} paid ( Please, Check Exhibit # XXXX, Page XXXX ) to XXXX XXXX - For number of XXXX payments ( Please, Check Exhibit # XXXX, Page XXXX ) Mohela claims that I have never made a payment. But my payments are documented on XXXX and on the XXXX XXXX XXXX sent by Mohela. However, my balance is much higher than it should be. they used a calculation called " Adjusted Balance '' and added large amounts in my principal. I thought it might have been applied to interest amount but interest amount on Mohela website is much lower. I called them many times but they don't know what is going on. I submitted proof of payments. Their representative email the account department and they never update my account. Every time, I call them they put me on hold for 1-2 hours. All my attempted have failed so far.
Product: Money transfer, virtual currency, or money service

Cashapp opened an account without my authorization. I never contacted them or gave my personal information. I was sent a debit card for this account in the mail which is how I became aware of it. I have tried to call them several times but they wont answer. They keep directing me to their app but I dont want to claim the account since it is fraud.
Product: Credit card or prepaid card

I applied for a credit card with Discover around the XXXX of XXXX, and my application was pending while trying to verify my current address and SSN. I did, but the site for some reason wouldn't take it and kept sending me that automated email. I finally talked to someone, and they sent me a physical card and approval and a welcome email on XX/XX/XXXX. I tried to activate the card, and they wanted IRS form 4506-T filled out, which I did and returned via email on the same day ( XX/XX/20 ). I then kept trying to activate the card and kept getting a message that they were going over that form, and to wait and that I would receive another email. Finally, XX/XX/XXXX, I get the following email : Dear XXXX XXXX XXXX, We are writing to notify you that we have closed your Discover it card account effective immediately. We regularly conduct reviews to evaluate our customers ' accounts, and during a review, we were unable to verify personal information on your account. We evaluated your account and under the terms of your Cardmember Agreement, a business decision was made to close your account. Our credit decision was based in whole on the information found on your account. 

Any Cashback Bonus or Miles rewards balance will be applied as a credit to your account, or, if the account has a XXXX  balance at the time of closure, a check will be issued. If your account has a credit balance, you may request a refund check, or one will be sent automatically after four months of the credit balance being on your account. 

We will report to the credit bureaus that the account was Closed by Grantor. Questions on how this may impact your credit score can be addressed by contacting the credit bureaus directly. 

If you have any questions, you may write to us at : Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Sincerely, Discover Corporate Security What I would like is for them not to report that the account was " Closed by Grantor ''. It was never even activated, and I never did anything wrong. This one-sided reporting will hurt my credit score for no reason, other than they think something was wrong with my info. I have since been able to receive a XXXX XXXX credit card, and my credit report is unblemished. 

I don't care if they don't want to approve my account. I just don't want them to hurt my credit score, unjustly. 

Thank you, XXXX XXXX
Product: Checking or savings account

I tried opening an account an it keep saying I cant open an account
Product: Debt collection

I received a bill in the mail from FBCS Services saying that their client XXXX XXXX, XXXX has authorized them to accept a 60 % discount on an outstanding balance of {$1400.00}. The date of service is XX/XX/2013, account # XXXX. That date is the day my XXXX XXXX XXXX son was in a bad ATV accident. He was not at fault and we filed a suit against the responsible party and settled roughly 3 years later. The original creditor is " XXXX XXXX XXXX XXXX XXXX ''. So after speaking with FBCS they recommended I call the XXXX XXXX XXXX XXXX. I spoke to them and the billing department of XXXX XXXX XXXX in XXXX. XXXX. They did not have any record of that bill. We searched by name, date, account number and my son 's social security number. The hospital did tell me they no longer use that company for medical billing. I contacted the attorney for my son 's case and he stated that was a bill that he never received. It was never submitted for payment during the whole 3 year settlement battle. My address on file at the hospital was current and up to date as well. So I'm at a loss. I'm not sure what to do next. I left a message with XXXX XXXX XXXX stating I'd like to speak to someone about a bill I received and I haven't been contacted. I want to ensure this isn't a scam. I appreciate your time. Thank you.
Product: Debt collection

I have no idea who PMAB , LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. PMAB , LLC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ PMAB , LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 
5. Provide the delegation of authority from the Director of the Office of Management Budget to  PMAB , LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts and inquiries listed on my consumer credit report, as referenced below, which appear to be the result of a data breach, fraud, or unauthorized activity. I also request verifiable proof of these actions, including documentation bearing my signature or electronic signature. This letter is being submitted by me directly, not a third party, so please review it carefully. I did not authorize any of these actions, and they represent a violation of my rights under the Fair Credit Reporting Act, specificallyXX/XX/XXXXwhich addresses the blocking of information due to a data breach or fraud XX/XX/XXXX, which defines permissible purposes for consumer reports [XX/XX/XXXX]. 

After reaching out to the companies involved, I determined that these actions were initiated without proper validation or original documentation from the reporting entities. Since I did not authorize these accounts or inquiries, they are inaccurate and should be considered the result of a data breach or unauthorized reporting of my information by creditors or third-party data furnishers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are reporting inaccurate information and keep saying that XXXX XXXX is verifying not only is that not true but XXXX XXXX have provided me complete documentation showing there is no such information and have asked the XXXX and Trans Union to remove any such information. They are not doing reasonable investigations and are violating FCRA. I have sent in disputes and phone calls and still they are submitting dispute or even getting information. XXXX XXXX has not verified no such information and XXXX  and Trans Union is intentionally caused me great damage and embarrassment also with emotional distress. 
. Enclosed is the proof that i have no such public record and that i am a victim of identity theft. Came from directly from XXXX XXXX. This will be my last attempt before i am forced to take legal actions on all parties
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax , Inc . is in violation of the Fair Credit Reporting Act. I have been denied credit based upon their file though I have no debts and a FICO score of XXXX. Three attempts to obtain my annual credit report on-line have been unsuccessful. A request form - with driver 's license and social security card photo copy, sent by certified mail on XXXX XXXX was received XXXX XXXX. A form letter posted XXXX XXXX informed me that my file was not available and to submit the same form request - with photocopies of the same documents!
Product: Credit reporting or other personal consumer reports

Collection agency name : XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX SC XXXX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.