23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt collector in question - Dynamic Recovery Solutions - took recovery of a " debt '' originally held by XXXX , XXXX that occurred due to credit card fraud that was reported at the time. 
The credit bureaus expunged the debt and credit card account from my history as - at the time - XXXX XXXX and XXXX XXXX  - where the fraud occurred - was working with me to build a fraud case against the individual. XXXX XXXX and XXXX dropped the fraud investigation and sent the debt to collection at XXXX , XXXX, when I stated that I could not pay the fraudulent charges. 
I communicated this information to XXXX , XXXX several times, challenging the debt, but they persisted for years. 
Recently - in mid XX/XX/XXXX, I received a letter from Dynamic Recovery Solutions that was trying to collect on the debt, but admitted in the letter that the debt was no longer recoverable or actionable unless claimed/admitted to the debt, paid the debt, promised to pay, waived the statute of limitations or asked for verification. 
As I was not wanting to deal with this, I ignored this letter, as they admit themselves that the debt is past the statute of limitations and is not actionable. 
Today, XX/XX/2019, at approximately XXXX XXXX EST, I was called by someone who stated their name and asked for someone with my name. I asked who they were, they restated their name and asked if I was the named individual. I said that I was, at which point they committed a potential crime, of which I am reporting here. Note, this individual did not immediately state who they were calling on behalf of when asked, did NOT state that she was with Dynamic Recovery Solutions or that she was a debt collector. 
What I am reporting now is the potential crime and violation of the FDCPA : once I stated that I shared the name of the named individual, the caller began stating the social security number over the phone - completely without any prompt or question, as well as in violation of Federal law in accordance with the FDCPA. 
I was shocked and flabbergasted, so I told them not to call me again and I hung up. I called their corporate number to bring this up to their manager, who promptly stated that this is standard procedure, and then tried to collect on the false, fraudulent debt. At that time, I stated that I am not calling about any debt, but to give them notice that what they were doing was unethical, dangerous and potentially illegal. The person kept trying to get me to admit any claim or verification, at which time I reiterated I was not answering any of their questions, that I was calling regarding their severely dangerous, unethical and potentially unethical practices, and not to call again. 
I researched this issue, as I was and am still quite upset that someone would start telling someone another individual 's social security number over the phone, only to find that this was indeed illegal.
Product: Debt collection

XX/XX/XXXX, XXXX Consumer Financial Protection Bureau Attention : Complaints Division XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Against Wells Fargo Dear Sir/Madam , I am writing to file a formal complaint against Wells Fargo for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically in relation to the collection account placed on my credit report without providing validation information as required by 12 CFR 1006.34 ( b ) ( 5 ).

As per the regulation 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the alleged account, nor have I received full validation of the debt, including the original signed contract bearing my signature. I am hereby requesting the collection agency to provide me with the necessary validation documents, including any proof of certified mail delivery with confirmation. 

Furthermore, I assert my rights under the Fair Credit Reporting Act ( FCRA ) that if the collection agency is unable to verify and validate the debt, I demand the immediate deletion of the account from my credit report. 

It also has come to my attention that Wells Fargo has been engaging in unfair and deceptive practices by furnishing inaccurate information to consumer reporting agencies without the required disclosures mandated by law, in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681 - S2 ( 7 ) ( A ). I am deeply concerned about the disregard for my consumer rights and the potential harm this has caused to my credit standing. 

In light of these violations and unethical breaches, I am formally revoking any authorization for Wells Fargo, its subsidiaries, agencies, etc to contact me through any means, including email, text, calls, or any other form of communication. I expect prompt action to rectify these issues and ensure compliance with the relevant laws governing debt collection practices and my consumer rights. 

I appreciate your attention to this matter and look forward to an expeditious resolution. 


Thank you for your time in addressing this serious issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have a security freeze and fraud alert on my credit reports along with an Identity theft Affidavit filed with the FTC - Report # XXXX and a police report report filed at the XXXX XXXX Police Department. Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Collection Agency : XXXX XXXX XXXX, XXXX
Product: Debt collection

I continue to receive daily harassing emails from Citibank. This is disturbing and really upsetting considering that I have a XXXX including exposure to XXXX
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

I checked my credit report today and it said my credit declined by XXXX points on XXXX XXXX. This was confusing for me because i just checked my credit score a few days ago and everything looked fine. So I looked in the reports to see why my score dropped XXXX points and it says a XXXX credit cards was opened under my name on XX/XX/year> and has a balance of {$480.00}. This was NOT me who opened this account and this is very concerning for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

ERC is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting on my credit file. I immediately called and paid this debt off. I never received any phone calls or any collection letters or notices about this debt. This violates my 30 day right to dispute and needs to be removed from my credit file.
Product: Debt collection

I filed Chapter XXXX Bankruptcy and they are still reporting every month negatively on my Credit Report as well as, contacted people I know about Debt I no longer owe. Please remove this from my Credit Report
Product: Credit card or prepaid card

XX/XX/XXXX I attempted to make my monthly payment through the Victoria Secret App and was unable to do so. Through the app it was acting like it was continually loading so I closed out and reopened multiple times. I kept getting an error code each time I used the facial recognition to log in. 
XX/XX/XXXX I attempted to log in to the card section once again through the Victoria Secret App to make my payment and I was unable to do so again and it kept giving me an error. 
XXXX I once again tried to log in through the app to make my payment and the XXXX XXXX XXXX tab was no longer showing in the app. I got on XXXX and learned that there was an update to the Comenity banking system that I was not notified about and learned that people everywhere have been unable to access their accounts let alone make payments. Comenity is telling people to use their easy pay option through their website which is also down at this time and all customer service numbers are completely down. 
XXXX I tried using the easypay through Comenity website and it says it is unable to locate my account. I dialed the card service number on the back of my card and it gave me an option to look up my account. I enter red my information then the auto service stated unplanned outage and then disconnected the call.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and adderss fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Diversified Consultant continues to try to collect a fraudulent debt that is n't mine and is a result from identity theft. They have not sent me any documents as requested as directed from the Federal Trade Commissions ID Theft. I have sent to them Certified Mail and they received it, a copy of my Identity Theft police report, letter, FTC Identity theft affidavit and explained to them how I learned I am a victim of identity theft. They are maliciously still attempting to collect and giving me great grief to myself and family. This debt is not mine. I did not receive any goods or services and Diversified Consultant is not acknowledging that I am a victim of identity theft and the debt is not mine. They are also reporting this fraudulent debt to the credit bureaus and when I dispute it they continue to verify it. If they would have researched, they would have found the debt is from identity theft. They are violating my FDCPA and FCRA rights.
Product: Debt collection

I have contacted Tran Union several times regarding debt on my credit report. I have sent in supporting documents several times regarding this debt. Tran Union is refusing to remove the debt from my credit report. I have put in several disputes with Transunion regarding a false debt against XXXX XXXX XXXX for amount of {$3000.00} dollars. I have also sent in over several times my supporting documents to show the debt is false. This false debt continues to remain on my credit report.
Product: Debt collection

I got an automated call from XXXX stating that it was American Credit Adjusters and that they had a case that was filed with them against me. I was advised that my attorney or I needed to send something to them within 24 hours. It stated that they were going to pursue charges against me and I 'd be served at either my home or place of employment. I was told to call XXXX and provider my case # of XXXX ( my case # is my parents landline # and I do n't have any dealings with their phone at all so I do n't know where they got that information from ). They called my parents and my aunt, I 'm not sure how they linked my aunt to me but they 've gone that far.
Product: Credit reporting or other personal consumer reports

The account is not reporting accurately on XXXX account XXXX and it is causing a hardship for me in getting our home. Initially, it was removed from my credit in XXXX of 2023 and all of a sudden they put it back on my credit. I contacted XXXX, XXXX, and Transunion to remove and there was no help or response.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : Account name XXXX XXXX  Account number XXXX
Product: Debt collection

DEAR CFPB : This matter is a continuation of the debt in reference to the same collection agency. in the 2 other accounts. I am asking the collection agency not to contact me any longer, to contact my attorney. this matter where already PAID to the collection agency. So please do not call me do not harras me and do not write me any more. Thank you Respectfully yours ...
Product: Credit reporting or other personal consumer reports

I have called Mohela, my loan servicer, on 3 separate occasions after my loans were paid in full on XX/XX/23. I reached out to ask when the loans will be removed from my credit report. The representatives I spoke with all said they would call me back in a week after gathering more information however, I never received a call. 

I have been on hold for almost 4 hours with the loan servicer two out of three times. 

My credit score has taken a XXXX point hit since working with this loan servicer and has caused distress and confusion as payments on their website are not up to date. 

Please assist me with collecting an accurate timeline for when my loans, which have been paid in full since early XXXX, will be removed from my credit report.
Product: Credit reporting or other personal consumer reports

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Flex withdrew my rent payment from my bank account but failed to process the payment to my property. This issue stems from a previous error in XX/XX/XXXX when Flex incorrectly processed my rent, leading to a past-due balance. Due to this past-due balancecaused by Flexs own system failurethey refused to process my XX/XX/XXXX rent payment, even though they had already taken the funds from my bank account. 

XX/XX/XXXX : I paid my rent through Flex as I do every month. 
Due to technical issues with the Flex app, I contacted their support team twice to confirm my rent was fully processed. 
I was assured by a Flex support representative that my payment was complete and no further action was needed. 
Later, I found out that Flex had incorrectly processed my rent, leaving an outstanding balance that I was unaware of. 

XX/XX/XXXX : I was notified of a past-due balance, which I later confirmed was caused by Flexs failure to correctly process my XXXX payment. 
I reached out to Flex to dispute this and requested they cover the balance since it was their systems mistake. 
Instead of acknowledging responsibility, they blamed my property and refused to take action. 

XX/XX/XXXX : I submitted my first rent payment for XXXX through the Flex app, as I normally do. 
Flex withdrew the funds from my bank account. 

XX/XX/XXXX : Flex refused to process my rent payment, claiming that the property had listed an outstanding balance. However, this balance existed only because of Flexs XXXX mistake. 

They failed to notify me in advance that they would not process my XXXX rent. 
I was told that I could withdraw the funds manually and pay my rent myself, even though Flex had already taken my money. 

XX/XX/XXXX : My property informed me they never received my XXXX rent payment. 
I checked my bank account and saw that Flex had withdrawn the funds but never transferred them to my property. 
I reached out to Flex demanding a resolution, and they again refused to take responsibility for the issue they created.
Product: Money transfer, virtual currency, or money service

I noticed that after repaying {$210.00} USD to settle my " XXXX '' balance in full, the next XXXX amount offered me was dramatically reduced. I informed the customer service representative from MoneyLion that I strongly suspected that the lower XXXX  amount offered to might be a result of me not providing a " tip '', which is supposedly optional. The representative ( s ) from MoneyLion that communicated with me attribute the lower Instacash amount offered to me on account of my bank account information not being linked and/or " the MoneyLion system '' needing to confirm paycheck and or other deposits totaling a certain amount of money. I have NEVER had this issue with MoneyLion in the past. In fact, every time that I have repaid my XXXX balance in full, the next available XXXX amount offered me has been the same or greater. So, the explanation that my bank account is not linked or that the system does not detect paycheck or other deposits into my account is simply not accurate. I strongly believe and suspect that MoneyLion deliberately penalized me for not adding a " tip '' ( which MoneyLion clearly states is optional ) to most of my XXXX transactions. There is seemingly no limit to the tip amount that one can pledge. Additionally, I personally believe that MoneyLion uses an algorithm to MONITOR THOSE CONSUMERS WHO TIP REGULARLY and those who do not, penalizing consumers with lower or no tipping history in the form of lower Instacash offers. If the Consumer Financial Protection Bureau can prove this, it is my hope that MoneyLion be held fully accountable pursuant to any and all applicable U.S. laws. I hope that MoneyLion will submit to the Consumer Financial Protection Bureau a transcript of my online chat with MoneyLion customer service representatives. ( assuming that MoneyLion has not deleted that transcript for whatever reason ).
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Attached is a copy of a complaint sent to Dovenmuehle Mortgage Inc. At the time of this writing I have yet to receive any information/contact from the company in regards to this issue. The letter uploaded details my entire situation with relevant dates and time frames.
Product: Credit card or prepaid card

On XXXX XXXX XXXX  XXXX, CashApp charged my checking account XXXX. This CashApp account was closed due to fraudulent activity. I have used this app only once to send money. On XX/XX/XXXX of XXXX, there was an attempt to fraud my account with a charge I had not made. Secondly, someone ordered a card against my account. I never requested or ordered a card from this company. I immediately closed this account on XX/XX/XXXX, removing my checking account number first. Now this account is being used by someone I do not know and CashApp is charging my account a monthly fee ad if it is still active. I have notified my bank and reported fraudulent activity. When I try to reach out to CashApp, I am put into a phone loop. I can only request a call back. When the call back, the automated system puts me back into a phone loop, to request a call back.
Product: Money transfer, virtual currency, or money service

My former roommate stole my cell phone and all of my personal records paperwork and then used my phone to enter my bank account and transfer XXXX to themselves and then after I reported the first fraudulent transaction chase bank let them steal another another XXXX by only XXXX  my debit card and leaving my online account open
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC continues to report on an account that has been paid off since XX/XX/2017.
Product: Debt collection

I received a letter from ALLIED INTERNATIONAL CREDIT CORP stating that I owe money to XXXX. They also stated that the debt would increase if I did not pay this " debt ''. They use 3rd party tactics to pay the debt, Check, Money order, XXXX XXXX. I have not used XXXX in years and do not owe anyone anything.