23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received phone calls on a frequent basis for the past several weeks from my local area code, each time a different call. I have answered at least 2 of them and both times they said they were from Professional Finance Company Inc ( PFC ) in XXXX, Colorado, calling about a debt that I owed. The area code on the numbers they were calling from is not their area code, but an area code I used to live in, which leads me to believe they are phone number spoofing. I asked the second lady I spoke with why they did that and I got a generic ( I'm paraphrasing here ) " we make a lot of calls to different areas, and people are more likely to pick up if they see a local area code listed '' response. 

The debt I owed is apparently a year and a half old water bill to a city that I no longer live in. Today I paid that bill to the city after getting in touch with them, as I did not feel comfortable giving all of my information to a caller whose identity I could not verify ( I did not know when I spoke with PFC that I could request their license number ). I am firstly disappointed in the city for not reaching out to me despite them having my contact information ( but that's another issue ). Secondly, I am concerned that PFC won't stop, given the numerous complaints I have read about them online. I am also concerned for myself and others about them spoofing phone numbers. 

I am not strongly literate when it comes to various laws, but it doesn't look like they are violating the FCC 's Truth Under Caller ID Act or the FTC 's Fair Debt Collection Practices Act directly ... however, in in my opinion, this sort of tactic is problematic and should be unlawful. Like I said above, I could not verify the caller 's information by phone number because any scammer could spoof phone numbers, XXXX any collection agency 's information and provide it if they are asked, and scam individuals that are uneducated on their rights and laws pertaining to this situation. If phone spoofing by collection agencies was illegal, the average consumer would not have as much to fear. 

https : //www.fcc.govXXXX https : //www.ftc.govXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXXXXXX Account number XXXX, and XXXX XXXXXXXX XXXX XXXX Account number XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month my credit score was XXXX with no late payments all year of XXXX and it has dropped 35 points and I would like to know why it has droppped to this on one month or less? This is incorrect
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Debt collection

I am filing this complaint against Lockhart Morris & Montgomery for violating the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulation, 12 CFR Part 1006.

Specific Violations : 12 CFR 1006.34 ( b ) ( 5 ) : I dispute the validity of this debt. XXXX XXXX has failed to provide a proper validation notice as required by this regulation. The notice I received lacked the following information : : A statement that the debt will be reported to credit reporting agencies unless I dispute within 30 days. ( 12 CFR 1006.34 ( b ) ( 5 ) ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The validation notice did not contain the clear and conspicuous disclosure about my right to dispute the debt within 30 days and how to do so. ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) 12 CFR 1006.34 ( d ) : XXXX XXXX has continued to contact me after I disputed the debt and requested verification. ( 12 CFR 1006.34 ( d ) ) 15 USC 1681s-2 ( 7 ) ( A ) : XXXX XXXX communications have been harassing and misleading. [ Excessive calls, contacting me at inconvenient times, threats of legal action without justification ]. ( 15 USC 1681s-2 ( 7 ) ( A ) ) I Request for Relief : I request that the CFPB investigate Lockhart Morris & Montgomery 's practices and take appropriate action, including : Ordering XXXX XXXX to cease all communication with me regarding this debt. 

Ordering XXXX XXXX to correct any inaccurate information about the debt that has been reported to credit bureaus. 

Ordering XXXX XXXX to pay any damages caused by their violations.
Product: Checking or savings account

Citibank decided to close my account on XX/XX/2023 without warning, of course by law they didn't have to give me a reason for the closing but they have a hold of my business funds and I can't pay bills until I get those funds back, they are saying its a 60 day wait and that means that I will be behind on two months of bills.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and I just recently discovered that my accounts were compromised and have been exposed to malicious sites. I kindly request for your assistance to remove the fraudulent accounts from my credit reports and update the negative taggings caused by this crime. Please delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Thank you so much! i have attached my FTC report, ID, proof of address, and SS card copy.
Product: Money transfer, virtual currency, or money service

There was a push payment fraud of 3 separate transactions one on XX/XX/XXXX of {$50000.00} second {$50000.00} on XX/XX/XXXX and third {$20000.00} XX/XX/XXXX. I authorized a wire transfer but was involved in a scam and want the bank to reimburse me, i was a victim of the scam myself, I acted in good faith, and took reasonable steps to protect myself, while the negligence on the bank 's part in not adequately warning you about potential scams or failing to properly verify the recipient of the wire transfer ; I filed a dispute regarding that matter and they denied the claim regarding me authorizing it 10 business days later. I filled an appeal and they denied it same business day. I need to demonstrate that I was a victim of the scam, not an active participant, and that the bank failed to adequately warn me about potential fraud risks, especially considering the nature of the transaction. Meaning A bank fails to properly investigate a suspicious transaction and allows a fraudulent payment to go through. Without letting me know the potential fraud that may occur when sending wire.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$310.00} XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : -
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX XXXX reporting on my credit report account # XXXX that is charged off/written off in the amount of {$28000.00} that i never applied for on XXXX, XXXX and transunion wiithout my consent. And also there is a XXXX XXXX reporting as well that i did not authorize the opening of nor do i have knowledge of this company. I am a previous victim of identity theft, so i do not know how these came to be. Please have them removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was paid and still not showing the updated correct balance
Product: Money transfer, virtual currency, or money service

Zell and XXXX XXXX  wouldn't replace my money if I sent it to the wrong person
Product: Credit reporting or other personal consumer reports

I have been patiently waiting on their response to the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed that some accounts have late payments during a time spent in imprisonment, However I talked to these creditors below and I should not have any missed payments. 
Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Open XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F ) Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )
Product: Debt collection

In accordance with the Fair Credit Reporting Act ( CREDIT SYSTEMS INTL IN ) ( 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

My Estate has a mortgage with XXXX. I currently have a insurance claim that was given to fix the vandalism. 
XXXX keeps changing the foreclosure date. They will not release the funds because of the foreclosure. The insurance company was XXXX. I can not rent the units until I fix the issues. XXXX states I can't do the repairs with the foreclosure.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX  identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

My card has been compromised a number of times this year. In fact, in the latest round of fraud, I did not even receive the physical card in the mail, which I was awaiting after a replacement. 

On XX/XX/XXXX, it appears someone used my card to check into a hotel in XXXX, and stayed for a number of nights. I promptly contacted Capital One when I discovered this fraudulent charge as well as a number of others. Capital One has rebilled me, claiming that the hotel said their policy was to check ID of every customer. When I asked about what ID information they got, I was told they did not have a copy on hand. But it is " their policy to review ID ''. 

I have faxed documentation to Capital One documenting that I was nowhere near this area and in fact had work commitments for a number of the days in question 120 miles away in XXXX. Capital One suggested I call the hotel, which I have. This is not very helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX  : Account # XXXX, XXXX XXXX : XXXX, XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXXXXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX Account # : XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

Navient has been increasing my payments and interest rate monthly, It is very hard for me to keep paying when the installments increase without notice and by huge amounts. I called and asked for the paperwork to file a complaint and claim as part of the lawsuit, but have n't received any information from you. The call center rep told me that I would have the paperwork within 3 weeks. It has been 2 months. Please let me know how I file a claim and complaint against Navient. It is a shame they are doing this and has to stop! I would like some of my money back!
Product: Debt or credit management

There are unauthorized inquiries, hard inquiries and collections on my credit report. Collections are on my report that is open or past due. This is a violation of the fair credit reporting act, 15 USC 1681. 

XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  was reported twice on my credit. I am not aware of this agency, they could not verify any documents from me when I contacted them. 

XX/XX/XXXX XXXX XXXX  reported on my credit unawarely. This debt was paid off but they are still on my credit and it is and has brought my scores down. 

XX/XX/XXXXXXXX XXXX XXXXXXXX has reported items on my credit and when I spoke with them, they had no debt in my name. 

XX/XX/XXXX XXXX XXXX XXXX  was reported on my credit, this is inaccurate reporting and needs to also be removed. I have no clue of who and what this company is. 

XX/XX/XXXXXXXX XXXX XXXX  is also on my credit report, I asked for information to who they were and they could not provide me any of my original records of debt from them. 

XX/XX/XXXX XXXX XXXX was reported on my credit report, it is also an unauthorized reporting account. 

XXXX XXXX XXXXXX/XX/XXXX was authorized to run my business credit and not personal credit. I spoke to the banker and she said that my business credit was during setting up my business account ran but it was not. She did not have my permission to run my personal credit. This is against the law XXXX XXXX XX/XX/XXXX I am unaware of this company. This hard inquiry is authorized. I dont recognize this account XXXXXXXX XXXX XXXXXX/XX/XXXX I am unaware of this company. This is authorized as well.I do not recognize this account The companies I want to report is TransUnion, XXXX and XXXX! All the inquiries, collections and hard inquiries are on These XXXX bureaus! And it is against the law
Product: Credit reporting

my credit was ran in order to obtain a loan however there was an issue with my documents and they had to be manually inputted and someone would contact me with a decision this lasted a couple of weeks causing my application to expire so in effect my credit was ran for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$7900.00}, XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX  XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX  XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$1400.00}, and XXXX  XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 


there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information was stolen back in early XX/XX/2016and since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.