23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to urgently bring to your attention a serious issue regarding Lockhart , Morris & Mont, a collection agency that has erroneously reported a debt on my credit account. This agency has no legitimate basis for their claim as I have never conducted any business with them or with the original creditor they reference, XXXX XXXX XXXX XXXX. 

On XX/XX/year>, I was involved in XXXX XXXX XXXX XXXX where I was fully insured through XXXX XXXX. Following the accident, I received XXXX XXXX from XXXX XXXX. It is important to note that XXXX XXXX was properly informed to bill XXXX XXXX directly for all medical expenses incurred, as mandated by Florida law which covers accident-related medical bills in full. 

I have confirmed with XXXX XXXX that all medical bills related to this accident were promptly settled. Therefore, I am deeply concerned and confused as to why Lockhart , Morris & Mont is unjustly reporting a debt connected to this incident. 

This erroneous reporting is not only unjust but is severely impacting my credit report and potentially my financial well-being. I urgently request the Consumer Financial Protection Bureau to investigate this matter with the utmost urgency. I insist on the immediate removal of this inaccurate account from my credit profile and seek assurance that it will not be reinstated in the future. 

I appreciate your prompt attention to this serious issue and look forward to your swift resolution. Please feel free to contact me at your earliest convenience should you require any further information.
Product: Checking or savings account

On XX/XX/XXXX, XXXX unauthorized deposits were made by XXXX in the amounts of {$0.00}, {$0.00}, {$0.00} and {$0.00} from my personal checking account with M & T bank. On XX/XX/XXXX, XXXX unauthorized withdrawals were made by XXXX in the amount of {$1000.00} totaling {$6000.00}. On XX/XX/XXXX unauthorized withdrawals were made by XXXX in the amount of {$1000.00} totaling {$10000.00}. At no time did M & T contact me or freeze the checking account for potential fraud. On XX/XX/XXXX when I withdrew money at an ATM from my checking account I immediately discovered the low balance. I immediately went to the local M & T branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and spoke with XXXX XXXX XXXX, Branch Manager who informed me the {$16000.00} had been stolen from my account. She instructed me to complete XXXX separate dispute confirmation summaries. This resulted in 2 case numbers, XXXX and XXXX which she faxed to the M & T fraud department. She said it could take 30-90 days to investigate the matter and return the {$16000.00} to my account. She froze the account so no withdrawals could be made other than existing outstanding checks or debits without contacting me for permission. She stated M & T does not know my spending habits or provide automatic alerts as that is my responsibility to set up using online banking or an app. I am XXXX and do not use online banking or apps at all. I opened the account in XXXX when they did not have apps or alerts. I also have never engaged in crypto currency or withdrawn such large amounts repeatedly on the same day. XXXX XXXX said the fraud occurred because someone had one of my checks and transactions were cleared by an account clearing house by M & T bank in XXXXXXXX XXXX. She said there had been other fraudulent transactions of this same nature dealing with XXXX and that I should consider myself lucky as another M & T customer earlier had lost {$25000.00}. I do not feel lucky. I also contacted M & T at XXXX several times ( XX/XX/XXXX, XXXX, XXXX, XXXX ) and asked to speak with someone in the fraud department. I was told multiple times I can not speak to anyone directly in that department instead only that employee could communicate with that department and that person would make notes that would be sent to the fraud department. I was told due to the amounts, there had to be XXXX case numbers instead of 1 case number for the same person ( me ), same account ( M & T Checking ) and same fraud ( coinbase, {$1000.00} withdrawals ). I am retired law enforcement XXXX XXXX XXXX XXXX  and depend on automatic retirement, pension and social security deposits. {$16000.00} was stolen within 2 days and I was told an investigation had to occur that would be 30-90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX : {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSUMER REPORTING COMPANY BLOCKING LETTER Date : To : XXXX XXXX. XXXX  XXXX XXXX, XX/XX/XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : I have never lived or used the following addresses or phone numbers : The following Account ( s ) do not belong to me : Account NameXX/XX/XXXXXXXX XXXX, XXXX. 
Account NumberXXXX Account NameXXXX XXXX XXXX Account NumberXXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Enclosures : Identity Theft Report FCRA Section 605B
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus are still leaving items remaining on my credit report that are not mine. I am a victim of identity theft and have my police report of when my home was vandalized. I have been fighting these matters since 2015. My attorney is assisting me by disputing these items and XXXX is not removing them when my information has been compromised.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain hard inquiries listed on my credit report, which I believe were made without my authorization or without a permissible purpose under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

The following inquiries appear on my Experian credit report, and I do not believe they were made with my consent or for a legitimate reason : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX DE, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX SD, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX PA, XXXX According to the FCRA, a credit inquiry is considered " hard '' when it is made in connection with a credit application and requires the individuals authorization. I do not recall authorizing these inquiries and believe they were made without my consent or without a valid permissible purpose. 
Under XXXX XXXX. XXXX, any inquiry made without the required authorization or valid purpose is a violation of the law. As such, I am requesting that you investigate these inquiries, and if they are found to be unauthorized or lacking a permissible purpose, that they be promptly removed from my credit report. 
Please provide me with written confirmation of the results of your investigation, as required by the FCRA, within 30 days. If you need any further information to assist in your investigation, please let me know. 
Thank you for your prompt attention to this matter. I look forward to receiving your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018Midwest Recovery Systems reported a debt of {$450.00} to my credit report. I do not nor have I ever held any account with said company. This company did not notify me in writing of any debt that I have with them Furthermore, this company is not licensed to collect in the state of Texas.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries.Sent Transunion a certified letter via USPS tracking number XXXX XXXX XXXX XXXX XXXX received by TransUnion on XX/XX/2019 at XXXX XXXX. I included 10 Unauthorized Inquiries, I contacted the creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that TransUnion DELETE these Unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete!. TransUnion gave NO EVIDENCE of any authorization, nor any permissible purpose given by me .Strangely enough Experian removed ALL Unauthorized inquiries! they are both governed by the Fair Credit Reporting Act!
Product: Debt collection

I want to bring this matter to your attention. I am certain that you must receive thousands of consumer complaints and many of them must be nothing more than angry consumers ranting and raving over nothing. I will attempt to not make this another one of those complaints and do my best to make this complaint effective yet concise. <P/>For 5 months I have been attempting to fight a collection account on my XXXX credit report that I do not owe. I have attempted to fight it with the three national credit bureaus. I have also attempted to fight it with the collection agency reporting the account. They go by the name of Enhanced Recovery Corpopration. Every time I attempted to dispute the account, the account would come back with investigation results of verified. after 2 months of disputes, I decided to call the collection agency myself. I spoke with a XXXX XXXX at ERC on XX/XX/XXXX-17. Because ERC kept verifying the collection account with XXXX, I decided to ask XXXX XXXX for any supporting documentation above and beyond a simple dunning notice that the amount they were purporting was owed was actually owed. I gave specific instructions to provide me with any itemization they had and any documentation with my signature. To this date I have yet to receive any paperwork and it is still on my credit report. <P/>I have n't just stopped being proactive in this matter either. On XX/XX/XXXX, I called because no documentation had been received and the thirty day validation period had expired on XX/XX/XXXX-17. I was told by ERC that they had received the requested paperwork on XX/XX/XXXX and had sent it out. I was supposed to receive it within 7 business days. That means XX/XX/XXXX. Again I did n't receive anything. I decided to be a little patient but my patience ran out on XX/XX/XXXX. I called ERC and was transferred to the office of the President or so they claimed. XXXX XXXX was the name of the representative who I spoke with at the office of the President. I told them that I had been waiting for months for this so called paperwork they had and informed them that if I had not received the documentation I would be filing this complaint. I even gave them my personal fax number and went trough the motions for them to have it sent to me by fax since their mail obviously was either not being sent or somehow not getting to me. XXXX told me that I would receive this purported documentation very soon. Here we are 2 weeks later and again no fax. ERC seems to not have a care in the world when it comes to following rules and regulations. What more can I do to make them follow the law and stop reporting accounts that do not belong to me? I have been at this for 5 months and they STILL ca n't provide me with any paperwork. Please look into this company as I 'm sure this is not an isolated event.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 i disputed incorrect information on my credit report through my CFPB portal. It has been 30 days and the reinvestigation is still open with no results, no verification/validation or physical proof of these alleged debts as requested by me under the provisions of 15 USC 1692 ( g ). Further I have a right to privacy under the provisions of 1681b
Product: Bank account or service

XXXX   XXXX   - Ban k of NY Mellon i s the financial institution that managed my  HSA  account while I was employed with my employer. I resigned from my employer  XXXX   XXXX  and still had a balance of {$46.00}. However, in  XXXX   XXXX  I noticed that   XXXX   XXXX   had deducted a " maintenance fee '' of {$3.00} in  XXXX ,  XXXX  and   XXXX   XXXX   XXXX   without my authorization and the company did not notify me. I called   XXXX   XXXX   to complain to the company, only to be given the runaround by two agents. The first agent I spoke with on  X/X/XXXX  intentionally hung up on me when I kept asking questions about why they were taking out fees. I immediately called back   XXXX   and wasted another 35 minutes with another agent. I disputed the " maintenance fees '' and requested a refund of {$10.00}. Ten business days later, on  XXXX / XXXX / XXXX  I called again and was told my request was denied by operations. They claimed there was a minimum {$1000.00} balance and my employer used to pay the maintenance fees. They claimed this fee schedule was sent to me via mail in my Welcome Kit? Although, they have no proof that I was sent this information.     I requested the operations denial decision in WRITING and they refused to provide me with this decision in writing. I asked  three  times, and then I asked to speak with a supervisor, and the  XXXX   XXXX  agent intentionally hung up on me. I called back and spoke with a customer service rep "  XXXX  '' and I asked to speak with the supervisor again. After 21 minutes on hold, I was finally transferred to supervisor "  XXXX . '' I asked again for something in writing via secure online message or hard copy letter regarding the reason for denial of my maintenance fees to be reversed, and she refused. She stated " wet just do n't send letters. We are n't required. '' I also supposedly had a {$.00} " overdrawn '' balance even though it was 0 balance when I spoke with  XXXX   XXXX  on   XXXX   XXXX   XXXX  . After much back and forth with  XXXX , she continued to refuse to provide me in writing why they denied my refund request of {$10.00} which is my PRE-TAX health savings money. I feel this is a shady operation that needs to be investigated for their dishonest practices, and I want my money back. I told her to close the account because otherwise  XXXX   XXXX  would continue to deduct the " maintenance fees '' from my account even though it had zero balance, and I am not going to continue contributing to the  HSA  account. I am not satisfied with the way my calls and account were handled, and I would like someone to investigate further.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts opened in my name where not made by me Accounts : XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions. 

COMPANY DOES NOT HAVE MY CONSENT/AUTHORIZATION TO PUBLISH ANYTHING ABOUT ME. COMPANY IS FURNISHING UNAUTHORIZED REPORT ( S ) TO THE PUBLIC. 

NOT asking to verify or update. Delete per the above sections. 

STOP/DELETE ALL REPORTING OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX-related debt bondage, which qualifies as XXXX  under the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX XXXX Balance : {$2100.00} XXXX # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information should read as follows on all consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), it is the legal obligation of credit bureaus to ensure the accuracy and fairness of the information contained within credit reports. Any discrepancies can have severe consequences on an individual 's financial standing and ability to secure various forms of credit, including loans, mortgages, and employment opportunities. Therefore, I trust that you understand the critical nature of this issue and the importance of swift resolution. 

To reiterate, the following information is incorrect and must be removed from my 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 15 U.S. Code 1681i 15 U.S. Code 1681s 15 U.S. Code 1681b 15 U.S. code 1681 a 15 USC 1692 FDCPA Pursuant to 16 CFR 444.4 Unfair act of practice 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a dispute letter on XX/XX/2022, but I haven't got any news about what's going on with its status. I have been informed that FCRA is requiring the CRA 's response within 30 days so this time I am seeking help from CFPB, XXXX and the Office of the Atty General. I'm talking to people who have the same experience on social media so please do not delay things.
Product: Debt collection

On XX/XX/XXXX i sent a Cease & Desist letter to XXXX XXXX XXXX by certified mail recept XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

In XXXX XXXX XXXX XXXX XXXX a collection call from XXXX XXXX XXXX with voice mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX XXXX  # XXXX has violated my rights. 

15 USC 1681 section 602A states i have the right to privacy.

15 USC 1681 section 604A also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

the information you are providing to the consumer reporting agencies is inaccurate and incorrect. 
This erroneous reporting has had a significant negative impact on my character, reputation, overall lifestyle, and ability to secure credit for personal and housing needs. 
Your inaccurate reporting has caused substantial harm to my livelihood.
Product: Debt collection

I asked for verification of my debt via telephone, and they mailed me verification. They sent me the lease of someone named XXXX XXXX. This is not my lease, and they 've shared this person 's information with me. It 's sickening to think that my information could so easily be shared with others, too.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and now I'm seeking help from the major credit bureaus demanding that they block the following accounts from my credit files inwhich are not mines. Please remove these accounts. 

1 ) XXXX XXXX {$XXXX} 2 ) XXXX XXXX Bank XXXX {$XXXX} 3 ) XXXX XXXX XXXX {$XXXX} 4 ) XXXX XXXX {$XXXX} 5 ) XXXX XXXX {$XXXX} 6 ) XXXX XXXX {$XXXX} 7 ) XXXX XXXX {$XXXX} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Debt collection

18 U.S.C 1028 was amended to make it a federal crime to knowingly commit, attempt to commit, or aid in committing identity theft. Since it's a federal crime, these type of cases are prosecuted in a United States District Court.