23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I received a call asking for my XXXX XXXX XXXX XXXX XXXX. When asking why they were seeking my child I was told it was for debt collection and as I continued asking why they were seeking my child they finally started it was for a debt collection. I asked how they were collecting debt on an XXXX XXXX XXXX and received no response so I called back and asked for a supervisor. The supervisor stated the rep just didn't read the notes right but they had my name XXXX XXXX as parent and explained the debt was from XXXX XXXX. I explained that had been paid already and asked for them to send me the debt in physical mail. The supervisor asked for my personal email instead and I stated I did not feel comfortable providing that information and insisted it be mailed. This went back and forth at least XXXX more times until she finally stayed she would send me the letter by mail. The fact that they called to collect on my XXXX XXXX XXXX for a debt that was already paid and refused to send me the proof of debt by my chosen communication form is absolutely ridiculous and a violation.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Balance Owed : {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is
Product: Credit card

I urge you to review the attached documents. I request the bureau to commence an investigation into these accounts, as I have never been late with payments, yet they are inaccurately reported as such.
Product: Debt collection

I owed {$140.00} to XXXX when I lost my job and home, National Cedit Adjusters are trying to collect {$280.00}. I spoke to someone originally on XX/XX/XXXX, she said I could pay the {$140.00} and it would be paid in full. I asked them to send me that in writing and I would immediately pay it. In XXXX, I started getting calls again, but no letter. Gave them my brother 's address in case letter got lost in mail. In XXXX, after calls started again, I answered and told them no payment without a letter. They tried to email me a letter from someone's XXXX account, still trying to get {$280.00}. Told them I wanted paper copy for {$140.00} or not paying. They now call 3 or 4 times every weekday, about half a dozen different numbers and get hateful if I answer.
Product: Debt collection

I am submitting this complaint against Fair Collections & Outsourcing regarding a collection account in the amount of {$1900.00} that they are reporting to my XXXX XXXX XXXX XXXX  credit reports.

I have never received a validation notice from Fair Collections & Outsourcing as required under 15 U.S.C. 1692g ( a ). On XX/XX/year>, I sent a certified letter formally requesting debt validation. According to XXXX tracking, the letter was received and signed for by XXXX XXXX on XX/XX/year>. I have attached proof of delivery. 

In my letter, I specifically requested the following : Proof of acquisition by chain of assignment contracts ; The original signed agreement bearing my signature ; Proof of Fair Collections & Outsourcings authority and license to collect debt in my state ; Their license numbers and Registered Agent or Agent of Service; The name, address, and amount of the original creditor. 

Additionally, my letter served as a formal dispute and a cease and desist request for all collection activities until validation was provided. 

As of today, XX/XX/year>, I have not received any of the requested documentation or validation. Fair Collections & Outsourcing has continued to report this account without meeting their obligations under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ).

Attachments : Certified Mail Proof of Delivery Copy of Validation Request Letter Proof of Identity Documents Additionally, to fully verify my identity for this complaint, I have provided copies of my Drivers License, Social Security Card, and a recent credit card statement in accordance with 12 CFR 1022.123 ( regulations related to proof of identity for disputes ).

Attachments : Certified Mail Proof of Delivery Copy of Validation Request Letter Proof of Identity Documents Thank you for your attention to this serious matter.
Product: Vehicle loan or lease

I filed a complaint against GM Financial - your complaint number XXXX. GM 's financial representative told me that they fixed the incorrect credit reporting. They did in fact fix my credit report. The reporting error is now back on my credit report - hurting my credit score.

I have exactly one derogatory mark on my credit report - this one.
Product: Credit card

The issue is the lack of customer service from Bank of America * asked last month for paper statements- did not get them, service rep made a complaint * paid on XXXX but BofA says I'm late on XXXX ( see attached ) * redeemed some points program but did not show up on bill, rep moved the credit over * called in and it is literally obnoxious how BofA pushes you to automated and the app, I am tech savvy I use the app and web site and automated but sometimes the app is not sufficient * first time called in over 10 prompts did not get help then the system hung up on me " Sorry no one available to help * called in again and waited over 30 minutes - 30 MINUTES on hold ( see attached ) * during those 30 minutes there were over 50 ads ie every 30 seconds that is obnoxious many don't retain to me and many were redundant this needs to be some kind of abusive violation as I am forced to listen as I am on hold waiting for help form an associate * the associate was helpful but made multiple mistakes, said " I have been working a long shaft '' not his fault it is the company the poor was worn out and made multiple mistakes with my account ( it got resolved ) but the point is BofA is shortchanging the staff and clients by the inadequate customer service *using draconian sals tactics
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX. XXXX XXXXXXXX XXXX XXXX Balance {$10000.00} Open Date XX/XX/year> XXXX. XXXX XXXXXXXX XXXX XXXX Balance {$25000.00} Open date XX/XX/year> I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. I AM A VICTIM OF IDENTITY THEFT.
Product: Credit card or prepaid card

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2006 with a balance of {$12000.00}, which I did not make. I have filed this to the police and they advised me to submit a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent an error ; I am a consumer by law and my information was misused and now I have some false information that is not XXXX XXXX  accurate accounts on my credit report. Unauthorized use of my credit report. I have sent dispute letters to the credit bureaus. However, they failed to follow proper cause.
Product: Money transfer, virtual currency, or money service

I had a question with my cash app so naturally I thought that they had a customer service #. So I found a number that was associate with the Cash App name and Logo on XXXX and I called it the number is XXXX and this number is still available online. I called them and they told me that they needed me to log on to my android phone so I downloaded it. They logged on to my phone and gained access to my cash app and told me that they need to put in a code of numbers to correct the issue. They put in {$530.00} and sent it to XXXX XXXX. tag ID : $ XXXX then they put in the amount of {$770.00} to XXXX XXXX. tag ID : $ XXXX and another amount of {$870.00} also I questioned them repeatedly and they assured me that the money would return and that this was just a code. Then when the transactions completed they hung up. I called back and they went in my phone to try to cancel the transactions. I was robbed for {$2300.00} dollars and am struggling with bills and about to go crazy! How can a fake company use another company as big as Cash Apps name logo and be on XXXX to steal peoples money and not be taken down from the internet?
Product: Credit card or prepaid card

I applied for a Citibank credit card on XXXX/XXXX/XXXX. The bank sent me an e-mail on XXXX/XXXX/XXXX stating they needed additional info to verify my income. They sent me a list of documents I could choose from. I selected to send them my paystub. I faxed my last two most recent paystubs on XXXX. But because those paychecks did not include my social security number, a Citi representative wrongly told me to resubmit my paystubs and handwrite on them my social security number. I faxed the new documents on XXXX/XXXX/XXXX, and followed up later that night. Another Citi representative from their Application Status department informed me they could not accept me writing my social security number on my paystub and needed me to send an actual social security card. So on XXXX/XXXX/XXXX, I re-faxed my paystubs again and, this time, faxed in my social security card. I followed up an hour later with the bank. First, they transferred me to an automated system where I could n't do much. I hung up and called again and a representative transferred me to the Application status. The transfer failed and I was accidentally disconnected. I called a third time and when I finally spoke with a representative, she informed me that I might be better off e-mailing the social security card because of concerns the faxed SSN card might not be readable. She provided me with an e-mail on where to send the SSN card. I took a picture on my phone, front and back, and sent it to XXXX. When I followed up later that night, I was given another run around that was the last straw for me. I was told they could not accept a social security card and that I had to submit my XXXX showing my social security number. I was very upset and asked to speak to a supervisor. I spoke with a supervisor from South Dakota by the name of XXXX for more than a half an hour and she ended up hanging up on me, tired of hearing my frustration, and telling me she has to leave because they were getting ready to close. She stated Citi needed to verify/confirm my address ( I had just bought a house less than a month ago ) and my credit report address showed my older address. But I pointed out to her that sending my XXXX would not address the address issue, since my XXXX will still have my old address. No card for me to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some fraudulent accounts on my credit, I have sent 2 disputes to XXXX, equifax, and XXXX. The main concern is the accounts on the FTC reports I sent to them. They have been on my credit for a long time and I can not seem to get rid of it, they didnt even acknowledge the accounts as fraud. They didnt block the accounts withing 4 business days of recieving the disputes. please help
Product: Debt collection

XXXX XXXX BMW leased XXXX VIN XXXX, a lemon, towed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and towed once more on its turn in date of XX/XX/XXXX. XXXX XXXX, GM of XXXX XXXX BMW, stated on he would not take the car back due to its history when I sought leasing a new BMW & therefore, a termination fee of {$350.00} for not obtaining a new BMW with his dealership should not be charged to me as Mr. XXXX denied me the opportunity to seek a new lease with his dealership. Additionally, out of pocket costs to have this car towed to the dealer via XXXX exceed {$350.00} ( I have the XXXX   paperwork confirming 3 tows on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and the {$350.00} tire cost fee assessed by XXXX XXXX BMW is not warranted and is disputable as the vehicle was inspected by a 3rd party, XXXX XXXX XXXX XXXX in XXXX XXXX ( which is where it was towed from on XX/XX/XXXX ) and no tire replacement was found necessary. BMW Financial sold this debt incorrectly and unfairly to ACT and XXXX BMW unfairly created these inaccurate debts for a car that is a lemon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX 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 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
Product: Debt collection

Sometime in XX/XX/XXXX to early XXXX, I received several collection letters from collection agencies including Resurgent Services, Financial Recovery Services, etc alleging that I owe money from XXXX XXXX XXXX. I did make any loan from XXXX. I immediately called XXXX and was able to talk to XXXX XXXX, XXXX XXXX ( tel # ( XXXX ) and reported the matter. He said the money was disbursed to XXXX. I don't have a XXXX account and he said he will investigate and will call me back. I also reported the matter to the XXXX Police Department where I live and filed an ID Theft Victim 's Complaint and Affidavit. I had them notarized and sent them to these collection agencies together with other supporting documents ( copy of proof of residency, etc. ). I hadn't heard from them since then and I thought it resolved the issue. Lately, I started receiving the same letters from these collection agencies again!!! I called and sent them the document that they asked but they still kept on asking for more information which I believe only XXXX can provide them. This also has affected my credit history and I ask to please help as this is getting a toll on me and my family.
Product: Bank account or service

Received a {$50.00} check drawn on Key Bank ( routing # XXXX ) which I presented for payment XXXX XXXX, 2016 in their XXXX, OR branch. They refused to honor/cash the check unless I paid a {$5.00} fee. Is this legal? 
I deposited the check into my financial institution.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days, and I still have not received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I recently lost my job due to the company 's layoff. As a result my last paycheck was mailed to me and not direct deposited. I contacted LendingClub on XX/XX/2019 to advise them of my job loss but that I could make the next payment. They advised there would be a 15 day grace period following the XX/XX/2019 due date. I contacted them again on XX/XX/2019 to request that they cancel the autopayment as the paycheck deposit had not cleared my back. They advised me they were moving the payment date to XX/XX/2019. The deposit cleared on XX/XX/2019 in my bank account. I logged into my LendingClub account to make a payment and found that they have blocked online payments. So I looked up in their help documentation where to send a check and sent them a check directly from my bank service. I then contacted them via email to advise that the check was on the way. They responding saying they will apply late fees, extra interest, and fees for processing a check.
Product: Debt collection

Today, on XXXX I received an alert on my XXXX credit monitoring service, that a company called ALDOUS AND ASSOCIATES reported a collection on my credit file. The date of the aforementioned collection was reported on XX/XX/22, with the original creditor name of " XXXX XXXX XXXX XXXX '', for the amount of {XXXX}. 

I have never been contacted by ALDOUS AND ASSOCIATES. Not by phone, email or mail. I did not receive a notice as to the debt in any form, the first time I became aware of this allege debt was to see it as a derogatory report on my credit file, today on XX/XX/22. 

ALDOUS AND ASSOCIATES violated rule ( 15 U.S.C. 1692g ( a ) ) by reporting a derogatory collection to the credit bureaus without sending me a Debt Validation Notice. 

Furthermore, The report that was filed is missing several key metrics that are required for a legitimate derogatory report to be valid. 

Information missing from XXXX 's collection file : Amount Past Due : Not Reported Account Type : Not Reported Credit Limit : Not Reported Amount Past Due : Not Reported Date of Last Payment : Not Reported Monthly Payment : Not Reported Payment Frequency : Not Reported The negative impact on my credit report due to this erroneous claim is significant. I am requesting that it be removed immediately, and that the creditor ALDOUS ASSOCIATES provide all required information to lawfully report this debt to the credit bureaus. 

ALDOUS ASSOCIATES XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XX/XX/XXXX mortgage payment since we would be traveling out of state from XX/XX/XXXX - XX/XX/XXXX. We did not have access to email or US mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip. On XX/XX/XXXX we received notification that our mortgage payment for XX/XX/XXXX was not made in a timely manner and that XXXX reported us 30 days late to the credit reporting agencies. Upon contacting XXXX, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XX/XX/XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from XXXX that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. On XX/XX/XXXX we requested a one time credit suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the XXXX website should have been resolved by the XX/XX/XXXX ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for XXXX to suppress the erroneous reporting based on them having improper contact information and XXXX is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to XXXX or any other creditor in the last 14 years.