23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Product: Debt collection

My company had a contract with XXXX, dba XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, MS ( XXXX XXXX, XXXX ) to provide pest control services from XX/XX/XXXX to XX/XX/XXXX. We terminated service XX/XX/XXXX when we discovered they overbilled us. On XX/XX/XXXX, we received a letter from Revenue Group that our company was turned over to that collections agency. We never received any communications from XXXX regarding funds due and believe this to be a violation of the Fair Debt Collection Practices Act ( FDCPA ). Since we received notice from the collections agency, we have disputed the claim but only received one email reply from XXXX XXXX at XXXX despite multiple communications by phone and email to XXXX ( To : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ). XXXX XXXX email to us advised us to contact a phone number for XXXX at credit and collections department ( XXXX ) XXXX but that phone number only has a voicemail recording and has not returned any of several messages. We notified XXXX the number they provided to resolve the issue was a dead end but they failed to reply to those multiple emails and phone calls. 

We have done everything we can to resolve this issue with XXXX but they refuse to return any communications or explain why they turned our company over to a collections agency, especially when they admitted to overbilling us. Therefore, we as the Consumer Financial Protections Bureau to investigate XXXX XXXX business practices at XXXX, dba XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, MS ( XXXX XXXX, XXXX )
Product: Credit reporting or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX on record until XX/XX/XXXXXXXX XXXX XXXXXXXXInquired on XX/XX/XXXX on record until XX/XX/XXXX. 
FCRA violations : payments never late XXXX  XXXX Potentially negative date opened XX/XX/XXXX Balance {$4000.00} Status Open. XXXX XXXX XXXX  XXXX Potentially negative date opened XX/XX/XXXX Balance {$0.00} Status Paid, Closed. XXXX XXXX Potentially negative date opened XX/XX/XXXX XXXX {$13000.00} XXXX Account charged off. {$36000.00} written off. {$13000.00} past due as of XX/XX/XXXX. Closed. 
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XXXX XXXXXXXX XXXX XXXX XXXX  Potentially negative date opened XX/XX/XXXX Balance {$6400.00} Status Collection account. {$6400.00} past due as of XX/XX/XXXX. 
FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX  XXXX, TX XXXX Resident type Single family. XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family. XXXX XXXX XXXX XXXX XXXX FL, XXXX Resident type Single Family.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX Credit Collection Servic Date Opened XX/XX/XXXX Balance {$310.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX  XXXX Auto Finance Date Opened XX/XX/XXXX Balance {$27000.00} **Inquiries** CONSUMER PORTFOLIO SERVI ( Finance ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX  - XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX  XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From What I Understand, Hard Inquiries, On My Credit Report, Are Supposed To Be Removed, After 2 Years. I Have 2 Hard Inquiries ( XXXX And XXXX XXXX ). The 2 Year Period Was Up On XX/XX/2021. XXXX  And TRANSUNION, Refuse To Remove, The Hard Inquiries From My Credit Report. The 3 Credit Reporting Agencies, Hate To Raise A Person 's Credit Score.
Product: Debt collection

I am current on my plan with the hospital yet I am getting repeated notices and calls to pay {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its 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 fot late purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I notified Experian that they were in direct violation of the FCRA. 
15 U.S. Code 1681b - Permissible purposes of consumer reports This law clearly states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. 
I never provided Experian with my written consent to furnish this information on my consumer report XXXX XXXX XXXX XXXX. With that being said Experian is committing fraud by furnishing my consumer report with this information. I demand that this information be removed immediately. 
Must I remind you pursuant to 15 U.S. Code 1681- Congressional findings and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Money transfer, virtual currency, or money service

Bank Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX Account number : XXXX Routing Number : XXXX XXXX XXXX : XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Receiver Address : XXXX XXXX XXXX XXXX XXXX Tx, XXXX First money transfer on XX/XX/2022 Bank name : Wells Fargo Bank Address : XXXX XXXX  XXXX XXXX, XXXX, NC XXXX Name : XXXX XXXX Account Number : XXXX Routing Number : XXXX ReceiverAddress : XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX : XXXX Second money transfer on XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not authorized This company to run or check my credit there is no prove signed or verbally to confirm my concern. Unprofessional costumer service rude and XXXX. They not try to resolve my problem but they answer back with attitude. All the conversation I have with there costumer service is voice recorded and will be upload and everybody will know with what kind of company deal with. They respond that they are 3rd party company and they run the credits behalf some other companies such I don't have no idea what they are and why they looking on my personal info and when you contact them after they broke down your credit they offer you service to repair and ask for a money to remove inquires this is a rip of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX agrees to remove all inquiries as they were reported unfairly. They have sent me a letter which states it would be removed.. I have contacted credit reporting agencies and was told that XXXX XXXX has to change it in their system. I contacted XXXX XXXX and was told it would be removed! 
15USC IT IS UNFAIR PRACTICS AND IS CAUSING ME DISTRESS AND TIME!! I can not apply for a credit card with perfect credit and an unfair denial
Product: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these items ASAP.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

I had accepted a Settlement offer on a XXXX XXXX XXXX XXXX XXXX offered at {$1700.00} of a said balance of {$3400.00}. I paid {$1700.00} on XX/XX/XXXX and they still have failed to update the bureaus with the paid amount. The Credit Reports still indicate a balance of {$1700.00}. 
It should show as : CHARGED OFF ACCOUNT ; ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF This is what is reported : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Reported balance Highest balance {$3500.00} OVERVIEW Highest balance {$3500.00} Monthly payment {$0.00} Opened XXXX XXXXXXXX XXXX ( XXXX yrs, XXXX mos ) Term 0 month PAYMENT HISTORY Last payment XX/XX/XXXXXXXX  Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Unsecured loan Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO 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

Upon reviewing my credit report, I noticed that there are hard inquiries that I never authorized. Below are the inquiries listed. 

XXXX XXXX XXXX Date of inquiry : XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX. XXXX XXXX Date of inquiry : XXXXXXXX XXXX XXXX XXXX Date of inquiry : XXXXXXXX XXXX XXXX Date of inquiry : XXXX XXXX. XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XXXXXXXX XXXX XXXX  Date of inquiry : XXXXXXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX. XXXX XXXX Date of inquiry : XXXXXXXX XXXX XXXX XXXX Date of inquiry : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 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 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received three different notices so far from a company claiming I chose them for my care and that I owe a balance due. The letter describes me as a patient and is offering me a payment plan at 0 % APR and has attached a bill for {$460.00}. There is no doctor listed and no date of service listed and no one answers their phone call and the automated phone call asks me to enter personal information that is not on the letter in the first place such as date of birth. It looks fraudulent to me and since this is the third time I am getting a notice of a balance due, I believe it is fraudulent. They appear to be using many different names like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They do have an address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and their phone number for carepayment listed is XXXX. Or XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

geting phone and letters about a debt that dont belong to me and i send the credit company 's my ftc letters and the still dont belive me
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I received money on cash app from my friend XXXX dollars I then sent a transfer of those funds to XXXX and the funds on XXXX were never received because I canceled the transfer while it was pending on XXXX end. I then tried calling the company to see where my funds were because I thought since that no money was deposited that it would go back to Cash App. I have not received any good response about my funds. XXXX blames Cash App and vise versa. Having to prove my transfer is a violation of my character and I have been put in a position of being the most upsetting time with each of these two companies. The transfer is being investigated all because I want my money. XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for some time now with the credit bureaus. They were reporting that I have a charge-off and late payments on a XXXX XXXX account . I find it crazy that XXXX and XXXX has corrected this inaccurate account on my credit reports but Experian continues to report on this account and I can't understand why. How are they getting their information? If the other two credit bureaus both have removed this inaccurate account from my reports how is Experian still reporting on this account? I have reached out to them to make them aware of that situation that the other two credit bureaus have corrected this account that they are still reporting but they fail to acknowledge me and continue to ignore this problem. I am more than sure that what they are doing is illegal and I am sure there is a law that proves the credit bureaus can not report inaccurate information on someone's credit reports.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED Late account information from my consumer file. Despite my three written requests and complaints, the unverified Late items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these Late accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged late account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



College Loan Corporation XXXX/ CLC XXXX
Product: Credit reporting or other personal consumer reports

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great.

importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively.

As a first step, I would appreciate it if you could provide me with details.

information pertaining to the alleged accounts, including any associated.

transactions, applications, or account activities. It is crucial that I review this.

information to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related.

alleged accounts immediately, including any associated fees, charges, or penalties.

I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding.

the steps being taken to address this issue.

Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security.

measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity.

I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am.

confident that you will manage this matter with the utmost attention it deserves.

Should you require any further documentation or information from me, please do not.

hesitate to contact me at the phone number or email address provided above.

Thank you for your immediate attention to this matter. I eagerly await your response.

and a resolution to this concerning issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX