23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX and XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX, XXXX, XXXX, XXXX, and XXXX Account name : XXXX XXXXXXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number : 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 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 conviction 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX RCVL PER   MNG  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RCVL PER MNG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : Portfolio Recovery Associates Riverside XXXX XXXX Address : XXXXXXXX XXXX  XXXX Account # : XXXX Dear who may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT.

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt.

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation. 
XXXX XXXX
Product: Debt collection

Hello, I received a notice of collection from Alltran Financial , LP / XXXX   XXXX on the date of XX/XX/2019. Im informing to all parties involved this account was a result of identify theft. This account has already been reviewed and removed by the original creditor XXXX XXXX XXXX. The account also has been removed by XXXX XXXX. XXXX XXXX is in direct violation of the FCRA for attempting and also passing off a debt to another company and they are fully awhere this account is a result of fraud. If XXXX XXXX attempts to contact me again in any form email, phone, mail. I will pursue all legal options against them and all parties involved. I also will be reporting this violation to the CFPB again. Thank you have a nice day.
Product: Payday loan

I XXXX XXXX took a loan out with cash express and right now as it stands I am going though a financial hard time and I will admit I do owe it just recently cash express came to my mom and dad 's house and delivered paperwork to my mom while I was away and I offered them {$100.00} a month and they would not accept the payment and told me they would see my XXXX in court. and I do draw a XXXX check so just recently I typed up a cease and decease form and mailed it to the corporate headquarters and the local store of cash express on XX/XX/2015 and just recently I just received XXXX letters XXXX from the corporate headquarters and the local store and I do have witness to said fact of the letters being sent out and received. if you like anymore information please contact me XXXXXXXXXXXX
Product: Debt collection

There's a company by the name of Autonation Finance which i only have partial of the account number which starts with XXXX, I've tried many ways to resolve this matter due to identity theft and me trying to dispute this account off my report because this debt doesn't belong to me nor does the address listed on my report that's linked to that account belongs to me but somehow even the credit reporting agencies refuse to remove the address that doesn't belong to me because it was stated that there's some open accounts on the address i tried to dispute, I even went as far as in asking for debt validation and it's been a few months and no respond from the company, I've even called and someone kept hanging up in my face. This is deeply affecting my credit ability to move forward and I would like for this debt that doesn't belong to me remove asap.
Product: Debt collection

Over the last 6 weeks Portfolio Recovery Associates have called me from an auto dialer on a daily basis. They hang up every time I answer. I declared bankruptcy about 18 months ago. I finally got to speak to a live person who asked me if I owned a business. I told them no and I asked them directly to stop calling. The man consented but the calls continue. They call me during work hours, sometimes multiple times a day.
Product: Debt collection

Healthcare Revenue Recovery Group ( HRRG ). An agency claiming to be a Medical bill collection agency, are in fact a complete fraud and are stealing money. They have harassed me for months now. 

They are part of fraudulent entities within the continental United States acting as legitimate bill collectors, where they have harvested information from health providers. They collect the private user data and then use a company to produce mass mailers to collect the money In XX/XX/XXXX, I had a hospital bill that was paid ( late ) but directly to the Hospital. I started receiving letters and call from HRRG in XX/XX/XXXX. The latest letter being dated XX/XX/XXXX and a phone call 3 or 4 times a day since XXXX of XXXX. 

A simple XXXX search of this company will verify that they are a fraud. 

HRRG XXXX XXXX  XXXX XXXXl XXXX, FL XXXX XXXX XXXX XXXX With a mailing address of XXXX   XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1700.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX FIN XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Inquiry XX/XX/year>XXXX XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/year>
Product: Debt collection

XXXX XXXX XXXX amount {$4300.00} yall keep reporting that i owe supposed debt i never gave ANYONE permission to furnish anything on my consumer report pursuant to 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. i demand the written instructions because i know for a fact because i have first hand knowledge of the facts further more its violating my faith in god because he issued his servants the credit Proverbs 22:26-27 Do not be among those who give pledges, Among those who become guarantors for debts. If you have nothing with which to pay, Why should he take your bed from under you?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 



Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Account Number : XXXX Please remove it from my credit report. 

3. Account Number : XXXX Please remove it from my credit report. 

4. Account Number : XXXX Please remove it from my credit report. 

5. Account Number : XXXX Please remove it from my credit report. 

6. Account Number : XXXX Please remove it from my credit report. 

7. Account Number : XXXX Please remove it from my credit report. 

8. Account Number : XXXX Please remove it from my credit report. 

9. Account Number : XXXX Please remove it from my credit report. 

10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX 11. CBE GROUP Account Number : XXXX Please remove it from my credit report. 

12. CBE GROUP Account Number : XXXX Please remove it from my credit report. 

13. CBE GROUP Account Number : XXXX Please remove it from my credit report. 

14. Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 






Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I recently applied for a Capital One XXXX  card on XX/XX/XXXX. Upon approval, I discovered that someone else had already made a Capital One credit card on XXXX XXXX, XXXX using my full name and created a fake username and used their phone number instead. I do not have any knowledge of this person or account but I would like to close this account entirely, correct my credit score, and create a new account using my real information. Whoever opened the account has not been racking up debt, but I believe this is misleading credit bureaus that inquire about my history.
Product: Checking or savings account

My name is XXXX XXXX XXXX XXXX. I am over XXXX XXXX XXXXXXXX XXXX XXXX US citizen. 
Marcus bank, a notoriously Racist bank, refused to open A CD for one year at 5 %, for being a XXXX XXXX  XXXX XXXX 
I ask you to order this corrupt and Racist bank, Marcus bank, to, immediately open my one year CD for one year at 5 % for {$8000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT ENDING IN XXXX FOR {$550.00} LVNV APPEARS ON MY XXXX AND XXXX XXXX REPORTS TWICE. I HAVE A RIGHT TO A ACCURATE CREDIT REPORT AND THIS IS AN OBVIOUS VIOLATION OF MY FCRA RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized usage of credit information was never confirmed to be placed on credit report, this is harming my credit scores drastically and is stopping me from moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB. Is not in my opinion on the consumers side. NOTHING EVER CHANGES for the good of the consumer. Our Debt to income has gone down significantly and is a major factor in securing financing but over the years that never drops and credit scores remain under 600. Furthermore you do not read this you just ship it to the reporting agency who could dare less. By opinion you all work together to keep people in bondage. Example major auto debt and loans paid.but never reflected!!!??
Product: Credit reporting or other personal consumer reports

Department of treasury placed a public record onto my XXXX credit report due to a collection of {$300.00}. As of 2018, public records are no longer included into your Credit report. Please remove this public record from my XXXX credit report.
Product: Student loan

To participate in my federal agency 's Student Loan Repayment Program, I am required to verify and cerify that I have federal student loans. On XX/XX/2024, I uploaded the Certification of Qualified Student Loans form to the MOHELA website. MOHELA informed me that the process would take 10 business days. On XX/XX/2024, the XXXX business day, my form was not completed and sent back to me. My agency 's due date for the Student Loan Repayment Program is XX/XX/2024. MOHELA stated that I would have a completed form by XX/XX/2024, which may disqualify me from receiving a lump sum of money to pay back my student loans.
Product: Mortgage

I currently have my mortgage with chase bank. I called on XX/XX/22 to injury about how to drop my PMI ( private mortgage insurance ). I was told that I would have to get a broker price opinion ( BPO ). I was asked if I consent to a BPO which I stated I did. I gave my bank account information over the phone for a amount of {$150.00} fee for the BPO. I was told that the BPO would need to be scheduled within 7 business day. I agreed. After 10 business days, I did not receive a call scheduling the BPO. I called Chase back. There were many " issues with computers '' and ultimately chase could not find my request despite all phone calls being recorded. After the representative asking to call me back, not calling the right number I gave her for a call back etc, I consented again and gave my verbal consent for BPO and bank account information for a {$150.00} fee. I did see this fee get charged and placed on my mortgage account. I then waited another 10 business days and called Chase back. I was told that the funds were processed incorrectly and that the {$150.00} went to the principle. I explained that I still had not received a call from a BPO agent and since this had been well over the initial 7 business days this should be expedite. I was placed on the phone with an " expedited case manager ''. I explain to him that I would like to know what BPO agent was assigned to my account given it had been greater than their policy of 7 business days. The expedited case manager could not help. I believe this is fraud as they are holding my funds of {$150.00} and not providing the service promised. I have spent approx 10 hours on the phone with chase to resolve this with no resolve possible.
Product: Mortgage

Was in bankruptcy. Trustee XXXX XXXX XXXX. XXXX XXXX XXXX 's in XXXX XXXX Was confused why the loan was transferred to BSI financial svcs. They want the loan paid ASAP. I told them I will try to sell. They want to talk to me now, but I'm not comfortable and don't trust them. I think I may be scammed. I read some of the comments about BSI financial svcs. Especially about the ones during Covid 19. Need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the XXXX to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFNI has a XXXX collection against me for the amount of {$300.00} on my credit report. I have never been a customer of XXXX. So when I called, I found out it was for service at property address XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX in which I previously owned. Problem is, the account was set up and closed in XXXX and I sold this home on XX/XX/XXXX as you will see on the attached satisfaction of mortgage. 

Due to me trying to close on a new home ASAP, I asked AFNI to accept my payment in full but to issue a courtesy deletion as the account is not mine rather than go the whole fraud route. They declined to issue a deletion of the account once paid.
Product: Credit reporting or other personal consumer reports

To Experian, XXXX, & XXXX XX/XX/XXXX From : XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX RE : Public Record Information : Re : CFPB Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX To Whom It XXXX Concern : This correspondence is in response to the complaint XXXX XXXX XXXX XXXX XXXX XXXX ) received from your office on XX/XX/XXXX on behalf of the consumer ; XXXX XXXX XXXX in which the consumer disputes the alleged inaccurate reporting of judgment and bankruptcy records case number XXXX, case number XXXX, and case number XXXX listed on their file. Thank you for your patience while we reviewed this matter and prepared the appropriate response. In an effort to resolve the consumers concern, XXXX initiated a dispute, and that investigation was resolved on XX/XX/XXXX. During our investigation, XXXX did not locate the following records listed below in the consumers file with XXXX : Bankruptcy Records : XXXX XXXX XXXX Judgment Records : XXXX A resolution letter outlining the results of our reinvestigation and the consumers statutory rights will be mailed directly to them for their review. Disputed judgment and bankruptcy records case number XXXX, case number XXXX, and case number XXXX submitted to credit bureaus. Please be advised XXXX does not produce consumer reports that contain tradeline data. XXXX is a reseller of credit reports from the XXXX nationwide consumer reporting agencies Experian, XXXX, and XXXX and follows the reinvestigation requirements outlined in the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) for disputes of the information therein. XXXX submits disputes to the originating consumer reporting agency and forwards the results received from the nationwide consumer reporting agencies to the consumer when the nationwide consumer reporting agencies completes their reinvestigation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint as well as requesting the removal of the unverified account XXXX XXXX XXXX XXXX that has adversely affected my creditworthiness and overall well-being. XXXX, XXXX Transunion all XXXX bureaus violated my rights under FCRA Sections XXXX ( a ), XXXX, XXXX ( a ) Reporting inaccurate derogatory status ( " Derogatory '' ), charging off as bad debt despite discrepancies in reporting ( " Charged off as bad debt '' ), inaccurately indicating a profit and loss write-off ( " Profit and loss write-off '' ), providing incorrect payment amount ( " {$0.00} '' ), and presenting misleading payment history.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer serviceXXXX XXXX XXXX XXXX XXXX XXXX violate the Consumer Financial Protection Act ( XXXX ). 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 XXXX with erro, resolution requirelients '' 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.