23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I LOOK ON MY CREDIT REPORT AND NOTICED THESE FRAUDULENT ACCOUNTS WHICH TRANSUNION AND XXXX ALONG WITH XXXX XXXX  XXXX KEEP REINSERTING WITHOUT NOTICE WHICH IS A VIOLATION AND I DEMAND PROOF THIS FRAUDULENT ACCOUNT SHOULD BE RE-INSERTED.
Product: Credit reporting or other personal consumer reports

I am in a divorce and my soon to be ex-wife has been changing all my personal information to her email and address on various credit cards using the below information. 

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX and various email addresses ending XXXX I have not autorized her to use any of my accounts and she is using the cards in my name.
Product: Credit card

I called Capital one and reported all the charges were unauthorized.that the card was missing and my mails were stolen. My credit information was compromised. I am sending the police report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX client XXXX XXXX is an ID theft victim. Her information was used to apply for accounts with XXXX XXXX without her consent. While no accounts were established the fraudulent applications left inquiries on her credit reports. After several disputes TransUnion credit bureau is advising the inquiries are factual record and has refused to remove them from the credit file ; this is a direct violation of the FCRA.
Product: Debt collection

On XXXX/XXXX/16, I received a letter from Penn Credit Corp stating that this was a debt collection for a deposit of {$1500.00} made to my bank account by " Checks by Phone ''. I have never even heard of " Checks by Phone '', and have most certainly never received any kind of deposit from them. The letter was dated XXXX/XXXX/16, but the supposed deposit was dated XXXX/XXXX/16 - that is n't even possible. When I searched for Penn Credit ( aka Penncredit ), I found pages of complaints from other consumers. This is a completely fictitious, fabricated " debt ''.
Product: Debt collection

I WILL BE MOVING FORWARD WITH LEGAL ACTIONS AGAINST CBS. 

THE GROUNDS OF THIS DISPUTE WITH SAID COMPANY CBS COLLECTIONS WAS THAT YOUR COMPANY WAS SUPPOSED TO NOTIFY ME OF THE DEBT THAT YOU ALLEGED I OWE. WHICH CBS COLLECTIONS FAILED TO NOTIFY ME ABOUT REPORTING DEROGATORY INFORMATION. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; " The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), ' 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( 1 ). which i am sure your legal counsel will agree that CBS collections did not do. Lets also not forget that CBS COLLECTIONS broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were NOT met. IN MY DECLARATION i asked for validation of debt and DID NOT receive that. CBS COLLECTIONS '' failed to give me my Mini-Miranda five days before placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. Under 809. according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC XXXX and that my state attorney general can also enforce this with a {$1000.00} penalty as well. CBS COLLECTIONS is held liable as well for defamation and in the state of LA a creditor is who collects their own debt is considered a debt collector under FDCPA. OBVIOUSLY CBS COLLECTIONS is not very proficient in the rules of evidence. I NEVER received DOCUMENTATION. there is no contractual agreement that i owe any alleged debt to CBS collections. THINGS THAT A DEBT collector MUST do is offer proof of the debt as owed by providing copies of the signed intrument or judgment from the original creditor. XXXX, FTC informal staff opinion letter, XX/XX/XXXX. See XXXX XXXX XXXX XXXX XXXX XXXX 493 F. Supp. 701 ( D.N.D. 1980 ) ; XXXX XXXX XXXX, 950 f.2D 107 3D cIR. 1991 ) ; XXXX XXXX XXXX XXXX XXXX XXXX , Inc. 943 F.2d 482 ( 4th Cir 1991 ), et seq. 2. I am sure that your legal counsel will agree that CBS collections have violated multiple of the above stated laws. IF CBS collections continue collection activity with not shown me ANY PROOF that i was served my Mini-Mirandi rights, i will be pursuing LEGAL ACTIONS AS WELL AS FILING A REPORT WITH THE LOUISIANA ATTORNEY GENERALS OFFICE. I HAVE ALSO FILED A COMPLAINT WITH THE FEDERAL TRADE COMMISSION ref # XXXX AND the XXXX.
Product: Debt collection

i received a payday loan of {$40.00}. thing happened and i am going to be a week behind paying it back. They began calling my job yesterday which i advised them it was a business line and to not contact that number asking to provide a different number for them to call. The woman i spoke to " XXXX '' was told that she was calling a business phone and proceeded to tell me it didnt matter when i asked her to not call this phone number because it was a general line to my employer. Today she just called again and luckily i answered today instead of somebody else because she didnt even ask if i was XXXX or not and i never identified myself when i answered the phone however she proceeded to just start talking about who i owe, how much i owe and the fact i missed a payment. She could have been talking to anybody and she didnt care what she disclosed. I once again today advised her this was a business line and to stop calling it and she basically told me she would not and then hung up on me. She then emailed me to which i once again told her this was a business line and not to call it and that i had already asked her not to call it including the fact that she did not even identify who she was speaking with before disclosing my personal information on what she already knew was a business line. i advised her i would be taking care of it still but that i would also be reporting her to you guys.
Product: Credit reporting or other personal consumer reports

Privacy Act of XXXX ( 5 U.S. Code 552a ) According to the record which means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request by, or with the prior written consent of, the individual to whom the record pertains. Charge off and Closed accounts are in violation of the fair credit Reporting Act and the Privacy Act of XXXX Furthermore I was not given notice to make the decision of opting out of the disclosure. Every company owes you a privacy notice before they furnish any information to the consumer report. XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES. '' Because of this violation and these consumers reporting Agencies have kept private information public. I have been affected. Systems have been breached and my Social Security number was stolen and other personal information like phone numbers, emails, passwords, is being used.
Product: Credit reporting or other personal consumer reports

Please be minded that if you send a computer generated letter not to open the dispute request I am going to file a complaint. There is not a single item in my letter that could possibly lead one to believe it was not written by me. Failure to do so must be penalized according to 616. [ 15 U.S.C. 1681n ] that states any person who willfully fails to comply with any requirement under this law concerning a consumer is accountable to that consumer for a sum compromising : 1. A : The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more than {$1000.00}. 

Firstly, I want to make sure that, in accordance with FCRA standards, you have and only retain current, true, correct, complete, and mandated reported information. I also want you to remove any and all deficiency of any condition, mentioned or not, and to demand any and all other information I request. 

I give you no permission to report any false information, past or present. Please check to make sure you are in complete and proper compliance with the regulations that control how you report consumer credit profiles. 

Kindly, look into the following and remove if it's not entirely accurate : XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, As you look into these things, I want my personal data to be updated. Please fix the spelling errors in my name and incorrect outdated address in my report. My name should be spelled as XXXX XXXX. My address that should be reporting is XXXX XXXX XXXX XXXX, SC XXXX. I am attaching a copy of my ID and a Proof of Address supporting my request. Kindly make sure that all misspelled names and incorrect addresses shall be removed immediately. 

I appreciate you acknowledging how serious and frustrating this issue has been for me. I appreciate you carrying out your duties. 

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

I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an adult son with the same exact name. XXXX continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof. 
They both just send me letters saying it has been verified. I sent these same issues to XXXX and they have all been removed. Transunion and XXXX continue to play these games saying its been verified or they update it with even more wrong information. 
I have attached screen shots from both credit bureaus of the accounts in question, and XXXX asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports. 
XXXX XXXX XXXXXXXX not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me, or remove it! 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it! 
XXXX XXXX XXXXXXXX Is missing payment history, shows inaccurate information and shows late 120 days XXXX months. Please provide physical proof this account belongs to me or remove it! 
XXXXXXXX XXXX XXXX XXXX  XXXX This account shows inaccurate Transunion shows the account closed XX/XX/20 and XXXX shows it closed in XXXX with back-to-back 120 months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it! 
XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles! 
XXXX XXXX XXXX # XXXX This account is missing payment information, and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.
Product: Checking or savings account

I closed a non-penalty CD account with Citibank in XX/XX/2023 but have yet to receive the closeout check ( $ XXXXthe interest ), despite more than a year passing. Unfortunately, due to the absence of a nearby bank branch, my only recourse has been to contact their customer service repeatedly. Despite my numerous calls to inquire about the status of the check, each time I was simply asked to confirm my mailing address, with promises that a new check will be sent. Regrettably, none have arrived. When I inquired about the tracking information for the previous checks, I was informed that only the initial one had been shipped. This leads me to believe that subsequent promises to send new checks were not fulfilled. It appears that my requests were disregarded, and assurances to send replacement checks were not followed through.
Product: Credit reporting or other personal consumer reports

This account want opened and charged fraudulently. I have no knowledge of this account it is not mine.
Product: Debt collection

Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am sending this letter in response to a letter you sent me. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you, XXXX XXXX XXXX Not only did they not Validate the debt, they also did not reply in the sufficient amount of time.
Product: Credit card

A- on XXXX charged {$25000.00} for Purchase. 
B- on XXXX Paid {$25000.00} to Credit Card to cover purchase. 
C- on XXXX Cancelled purchase. 
D- on XXXX {$25000.00} credited back to Credit Card XXXX 
E- on approximately XXXX requested excess payment refund. 

Above details Credit Card activity and amounts. Bank HAS NOT transferred funds to personal account stating they need to conduct a 30 day investigation. 

we issued an executive complaint. To date, the Bank has completely ignored our request!!!!
Product: Credit reporting

Transunion reinserted deleted inquiries and accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I submitted a validation request to XXXX XXXX. I Never received a response. I then sent Transunion a letter to either validate the alleged debt or remove to it. Transunion did nothing. This is an FDCPA Violation, FCR Violation and HIPAA violation. Ive included the correspondence as well as the credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, In accordance with the Fair Credit Reporting Act ( FCRA ), I am disputing the following accounts that appear on my credit report but do not belong to me. Please remove these accounts promptly : XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX These accounts are not mine, and I did not authorize their reporting. Reporting these accounts violates my rights under the following provisions of the FCRA : 15 U.S.C. 1681 Section 602 ( a ) : I have a right to privacy, which has been infringed upon by the reporting of unauthorized accounts. 
15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agencies can not furnish accounts without my explicit written instructions, which were not provided in these cases. 
I request that you investigate and remove these accounts from my credit report immediately. Please provide written confirmation of the actions taken regarding this matter. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX and they said they dont have this account on record therefore I would like it to be deleted from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App, also known as Block , Inc, due to inadequate customer service and unethical practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address 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: Credit reporting or other personal consumer reports

I'm writing to confer my XXXX  as for the tested records on my credit report. On various occasions, I have raised the issue of bumbles in these records, and have reliably referred to that they be totally examined. Regardless of what my endeavors, I quite can't get any goal or restorative activity. These off-base records are genuinely harming my credit report and upsetting my capacity to go on with a standard life. The hostile results of these missteps have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with curing what's happening right away. I compassionately demand that you direct a mindful evaluation concerning the specifying of these tested records. It is major that the key advances are taken to resuscitate and audit my credit report immediately. With your assistance, I need to reestablish the exactness and validity of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally over the top idea and make a rapid move. Your collaboration and moving in settling this issue quickly would be enormously significant. Much appreciation to you right off the bat for your appreciation and help.
Product: Credit reporting or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Product: Consumer Loan

One Main financial will not stop calling me at work. My AC broke and I had to repair it, and I am behind. I have told them repeatedly and hung up on them. I am not allowed personal calls at work and I keep getting in trouble when they continue to call me. I have spoke to the manager at my local office, XXXX, he was supposed to note my account, but they keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an unauthorized hard inquiry on my credit report by XXXXXXXX XXXX XXXX that I did not make on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a credit line item that was included in a Chapter XXXX bankruptcy and its showing up suddenly as of XX/XX/2019. 

Also, I have two disputed items that were deleted and XXXX XXXX keeps reporting them and dropping my score drastically!
Product: Debt collection

XX/XX/year> XXXX I discovered that my identity had been stolen, and someone has been using my name illegally to open accounts and engage in criminal activity. These actions were conducted without my knowledge or consent and have caused significant damage to my reputation and personal records. 

Due to the severity of this matter, the District Attorney in my city/state reviewed the case and concluded that I was not responsible for the fraudulent activities attributed to my name.
Product: Checking or savings account

XX/XX/XXXX, requested XXXX  XXXX  branch manager to refund the XXXX dollars for overdraft fees. Funds were deposited the next business day to cover the over limit. 
Calls and e mailed were ignored. XXXX  XXXX is refusing to respond to my request. I am left with no choice but to request assistance from the CFPB.
Product: Debt collection

Filed Bankruptcy in  XXXX , include d Wells Fargo  Mortgage loan balance. I have been living in the house and paying on it since then.     Starting  XXXX / XXXX / XXXX ,  Wells Fargo has been  calling me trying to collect the debt, even after I informed them that this in illegal!     Today,  XXXX / XXXX / XXXX , someone named  XXXX  or  XXXX   ( he said it quickly ) called me on my cell. I immediately informed him that he was was not allowed to contact me about m y debt or at all via phone. He became angry and then threatened to sue me. He said, oh well, that 's okay, I 'll just contact our attorney.
Product: Debt collection

XX/XX/XXXX, I have purchased an XXXX from XXXX XXXX paid in full. They kept sending me bills saying I have't not paid even though my credit card statement said otherwise. With months of back and forth with the company, they finally told me they have resolved the issue. However early XX/XX/XXXX, they sold my supposed debt to a collections agency and ever since then I have been harassed by them at least twice a year. I have send certified emails to these debt collection agencies saying I do not owed anything and yet they kept selling my supposed debt to other collection agencies. 

Recently XX/XX/XXXX, I got a mail from XXXX XXXX XXXX debt collection once again saying I owed this supposed dent. I once again send them a certified mail saying no I do not owe. XX/XX/XXXX, they send me a mail saying they reached out to XXXX, their client and their records indicated that I still owe and need to provide them with proof. Which I have credit card statements and payment confirmation from XXXX that I have already paid back in XX/XX/XXXX. This is emailed to them and will also send a paper copy via certified mail. 

The supposed debt i owe is XXXX. Please help me to stop convergent from harassing me repeatedly when I do not owe money to them or XXXX.
Product: Credit reporting or other personal consumer reports

I received a copy of consumer report from Transunion and noticed that a collection had been placed on my report Earlier this month. I need Transunion to do investigate this account because I believe it to be fraudulent.