23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX, a nonprofit organization which I represent had an online subscription with XXXX which it later canceled because there was no activity. 
At the time the subscription was cancelled, the organization was not owing XXXX any money. 

Latter eBay sent fake invoice to XXXX XXXX XXXX XXXX XXXX XXXX Place, XXXX XXXX, XXXX, VA XXXX. They contacted me by mail dated XX/XX/2021 stating that I owed XXXX. 

On XX/XX/XXXX, I responded that I do not have any responsibility and disputed the validity of the debt they trying to collect. 

I received another mail again dated XX/XX/2021 from Allied International Credit Corp. Cover letter signed by XXXX XXXX XXXX Managing Coach. The envelope contained fake invoices. 

Again, on XX/XX/2021 I received another email from eBay with these words " Your eBay invoice for the period from XX/XX/2021 through XX/XX/2021 is now available to view in any web browser. '' XXXX is harassing me with fake invoices that I have no responsibility. As stated earlier, I do not have any active subscription with eBay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed in attachment which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. 
It is the result of identity theft. 
I have disputed these accounts with you since XXXXXXXX XXXX XXXX and NO action was taken. 
section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX BUSINESS DAYS and to promptly notify the furnisher ( s ) of that information. As consumer I am requesting these accounts to be deleted IMMEDIATELY Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information.
Product: Debt collection

I was notified a couple week ago when i was trying to buy a car that i had some company saying I owed them XXXX dollars for a apartment that i never lived in and its affecting my credit score pretty bad so, at this point i filed a police report in hopes of getting this removed from my credit.
Product: Credit reporting or other personal consumer reports

XX/XX/year> To It May Concern, I am disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title V Section 61 1, Subsection A-I ) , please provide names and business addresses or each individual with whom you verified the above, so that I may Follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections Your cooperation prompt attention is greatly appreciated
Product: Credit reporting or other personal consumer reports

Attn XXXX XXXX XXXX XXXX To It May Concern, I am disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT TYPE : CHARGE OFF Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V Section 61 1, Subsection A-I ) , please provide names and business addresses or each individual with whom you verified the above, so that I may Follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections Your cooperation prompt attention is greatly appreciated
Product: Debt collection

Portfolio Recovery ( org XXXX XXXX  XX/XX/2017, {$670.00},
Product: Checking or savings account

Wells Fargo held my deposits and did not allow me access to my money. Which hurt me on paying my bills.
Product: Credit reporting or other personal consumer reports

I demand under FCRA : Section 604 : Permissible Purpose My written authorization Proof that I personally initiated this inquiry.

Either provide me strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days I will take legal action.

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. 

If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

Your cooperation in advance is appreciated.
Product: Debt collection

I had a conversation with Midland Credit Management on XX/XX/XXXX, regarding my outstanding debt and explained the severe financial and health challenges my family has been facing for the past six years. My wife has a serious health condition, requiring us to travel out of state for proper care, and we've had to pay for medications and physical therapy entirely out of pocket because our insurance won't cover it. The costs have been overwhelming, and on top of that, my wife struggles with mental health, including XXXX XXXX  at times. 

Additionally, my own health issues have significantly impacted my ability to work enough hours to earn what we need to survive. In XXXX, I sold our home to pay down debts, and in XXXX, I lost my job, which has made our financial situation even more difficult. Despite explaining these hardships, the debt collector refused to consider these circumstances when discussing payment arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

My phone was stolen an someone decided to apply for different credit cards an sign up for things that I know i wouldn't get a approved for my ID copies of my social where in my phone so all my information was compromised an I've called several companies to let them know I never applied for a credit card loan or nothing eles am nothing has been done I don't need all these extra things on my credit when I'm trying to establish my credit I Need help getting this credit cards an loans I never applied for off my account asap
Product: Debt collection

I agreed to try a 15 day FREE trial of XXXX for my business. That trial started on XX/XX/23. After one day it clearly wasnt what they promised. I asked via email to get a return label. It took them over a week to reply. On XX/XX/23 I received a return label and sent their hardware back. 

I started receiving bills for XXXX XXXX I called to dispute the bill. XXXX XXXX  said to prove I was the owner of my account id have to call them from a XXXX store. 

I went to their store at XXXX XXXX XXXX. I spent over an hour on the phone after which I was assured all the charges were dropped. 

The bills kept coming. 

Then I got a letter from debt collector XXXX.i contested the bill. XXXX said theyd look into it. The got back to me with a bill. I dont owe anything. Please help resolve this.
Product: Debt collection

On XX/XX/2020 the debt collection agency contacted a third party in an effort to collect a debt. I have never provided this persons name or contact information either in relation to the original creditor or this collection agency. They asked her to have me contact them at XXXX. Their attempt to embarrass me into contacting them violates my right to privacy regarding this matter and my right to not communicate by phone with them. 
Additionally, they have regularly changed the amount owed when reporting the debt to credit bureaus, intentionally changing the amount up and down by {$1.00} to change the date of last activity.
Product: Mortgage

In XX/XX/2021 my mortgage servicer, Shellpoint, erroneously placed over {$1000.00} of insurance coverage they immediately charged me for. They wrongly said I did not have coverage. I have submitted multiple times evidence of sufficient coverage from my HOA ( I live in a condominium complex ) as well as my personal coverage for property not covered by the HOA. There were no lapses in coverage. Starting in XX/XX/2021 I contested this, and followed up 7 additional times via email, as well as with 2 additional phone calls. My emails were mostly ignored, and every time I have been on calls after hours of waiting to talk to someone I was assured I would get a refund, but now in XX/XX/2021 I have not. It appears Shellpoint may have initially made an honest mistake, by changing my property address by mistake when they bought the mortgage from my original servicer, but they are now fraudulently holding onto my money. They are now ADDITIONALLY charging me a fee every month which no one will tell me what it is for. 

I am now looking to refinance my mortgage, and given Shellpoint 's behavior to this point I need help with getting a refund on the lender placed insurance, a refund on all of the unexplained fees, as well as making sure they timely refund me my escrow upon loan payoff. I am deeply concerned they will continue to try and wrongfully take away my money, or drag their feet and hold onto it, and it is a very meaningful sum especially in light of the cash closing costs for my mortgage refinance. It's worth noting part of why I am refinancing my mortgage is because I feel that Shellpoint is a bad actor and I can not afford to spend as much time trying to protect myself on a go-forward basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this file. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; If the credit bureaus feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly receiving information from XXXX XXXX as my account being delinquent, but it belongs to my son, XXXX. I called the bank and they blame each other. My credit has dropped 110 points in 6 months due to their disregard and bad recordkeeping of files
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion just hasn't been responding to any of the dispute letters in the time frame there supposed to get back to me. Actually I'm not receiving any responses from the at all.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

I requested the purchase agreement from XXXX XXXX, they could not provide it to me through the cfpb portal or via certified mail. I would like XXXX XXXX removed from my credit report as they can not provide a purchase agreement as is required by the federal fair debt collection app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted many complaints for Bank of America but my I actually had someone reach out to me with my last CFPB complaint. XXXX XXXX form Bank of America attempted to contact me but decided to call and leave a message on someone else 's cell phone disclosing my personal and private information. I will be looking to add this into my lawsuit for damages awarded to me by many state and federal consumer laws. XXXX XXXX also went as far to say on a recorded line and in a written response to a CFPB complaint that he acknowledges that Bank of America does not have anything with a signature or anything else identifying me and tying this account to my name. He admitted with 100 % certainty that the application for this credit card was done online. 

I would like Bank of America to send me the original form used to get this account an if they can not provide that, they are breaking the law. I would like to know who XXXX XXXX contacted and their contact information. He has already admitted this was supposedly an online application, so I want Bank of America to provide me this online document or verification method that was used to tie me to this debt and this account. I will sue Bank of America for continuously breaking the law and I have every dispute, every response ( aside from times where Bank of America felt they do not have to respond to me or they think they can simply send me bogus statements as a " contract '' that ties me to this account ), every letter, every email, and every single collection agency they sold this account to, to provide in court and get the substantial damages owed to me as a result of federal and state laws. 

I have almost 2 years of documentation that I would love to present in court. They also did not respond in the 30 days set out in the law. 

XXXX XXXX was 100 % sure this account was signed up for online, so according to the FCRA I request to have everything sent over to me as I have done for almost 2 years and Bank of America refuses to remove this account. 

XXXX XXXX also told me that none of my other disputes mattered and that it was alright for Bank of America to age this account, because it was in the past and was not reflecting on my current report, even though I sent over countless reports and letters showing Bank of America re-aging this account. 

I would like to know where XXXX XXXX got the number he called and left a message for me on. As I said he violated privacy laws leaving a message discussing everything I talked about in the CFPB complaint. 

XXXX XXXX also tried his hardest to tell me that because he sent out some account statements, this account was being reported correctly.
Product: Debt collection

This collection agency is submitting false errors to my credit report. I do not owe what this agency is fiercely trying to call and mail letters to a debt I do not owe
Product: Credit reporting

RECENTLY questioned a public record on my credit file, asked that the information be investigated because clearly the furnisher has given wrong information ... ..US XXXX court sent a letter stating they do not furnish public records to credit bureaus ....
Product: Credit reporting or other personal consumer reports

RE : Revocation of Consent to Report Consumer Information & Notice of FCRA Violations Pursuant to multiple federal consumer protection statutes, including the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ), I hereby assert my rights as a protected consumer and formally notify you of the following : Statutory Basis for Consumer Privacy Protection The FCRA ( 15 U.S.C. 1681 ( a ) ( 4 ) ) explicitly recognizes that consumer reporting agencies must " exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' This fundamental protection is reinforced by 15 U.S.C. 6801, which mandates that financial institutions maintain " an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Requirement for Written Consumer Consent Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reports may only be furnished " in accordance with the written instructions of the consumer to whom it relates. '' I hereby affirm that I have not provided written consent to either XXXX, XXXX, or [ Furnisher of Information to Credit Agencies ] for the reporting of my consumer information. 
Revocation of All Forms of Consent I hereby explicitly revoke any and all forms of consent - whether written, verbal, implied, or otherwise - previously given or assumed by XXXX, XXXX, and [ Furnisher of Information to Credit Agencies ] regarding the furnishing of my consumer information.

Violation of Disclosure Requirements Pursuant to 15 U.S.C. 6802 ( b ) ( c ), financial institutions are required to provide consumers with " an explanation of how the consumer can exercise that nondisclosure option. '' [ Furnisher of Information to Credit Agencies ] has failed to fulfill this statutory obligation.

Reporting of Time-Barred Information Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), consumer reporting agencies are prohibited from reporting " adverse item [ s ] of information ... which antedate [ ] the report by more than seven years, '' except for criminal convictions. The continued reporting of this account information appears to violate this statutory limitation. 

Given these multiple violations of federal consumer protection laws, I demand immediate cessation of all unauthorized reporting activities and the removal of any improperly reported information from my consumer files. 
This communication should be maintained in your records as evidence of my formal revocation of consent and notice of statutory violations.
Product: Bank account or service

I am being excessively and double charged for the transactions. A total of {$47.00}. XXXX transactions went through at XXXX, and funds were automatically added at XXXX as well. No charges should be applicable. Shame on Bank of America!
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$17000.00} XX/XX/2020 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

16 days ago I submitted three separate dispute letters to Experian in regards to my consumer report having inaccurate information on it. These letters were a follow up to their no response to my 1st letter that I sent out back in XXXX. Instead of them doing the dispute progress that they were supposed to had done, they emailed me a computer generated stall letter claiming that I am not the one submitting the disputes. Clearly I included my License, Proof of Address, and Social Security card for verification that it was me sending the disputes. See attached image of their response to my latest dispute request as well as the three dispute letters that were sent out XX/XX/2024.