23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A debt collection letter dated XX/XX/2022 was delivered on XX/XX/2022 to my parents ' address addressed to me from Commonwealth Financial Systems. The letter stated that Commonwealth Financial Systems is a debt collector, " we are trying to collect a debt the you owe to XXXX XXXX XXXX XXXX, the purchaser of the bellow referenced account. The creditor was XX/XX/XXXX XXXX XX/XX/XXXX. We will use any information you give us to help collect the debt. '' The letter further states " How can you dispute the debt? '' With the options of " Call or write to us by XX/XX/2022, to dispute all or part of the debt. If you do not, we assume that our information is correct. '' Below that option stated : " If you write to us by XX/XX/2022, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. '' I wrote the company in writing, explaining my financial hardship and expressing that I would not claim the debt but was willing to compromise and pay the debt in its entirety at a reduced amount I could afford due to my financial hardship. I mailed the letter using the United States Postal Service by certified mail. The letter further requested Commonwealth Financial Systems responded within 10 business days of my initial offer and terms to settle the account as paid in full not a collections account on my credit report. As per Commonwealth Financial Systems letter, under the section, " What else can you do? '' option " contact us about your payment options, '' I made my attempt to civilly contact the company has refused to contact me back in writing to compromise with my initial request to pay the reduced amount and settle the entire account. On XX/XX/2022, I mailed a certified letter to the dispute requesting all original documentation. As per Commonwealth Financial Systems letter Reference : XXXX, Commonwealth Financial Systems states " contact us about payment options '' and " write to us by XX/XX/2022 to dispute all or part of the debt. '' Commonwealth Financial Systems did not honor their statement and immediately added the debt to my credit report without any action to communicate in writing a response to my letter. This is an unfair and deceptive practice and method of collecting this alleged debt.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  XXXX XXXX. on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXXXXXX on XXXX a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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.
Product: Money transfer, virtual currency, or money service

XX/XX/year> until now i really dont know how much it was i have tried to call and talk to simeone from Cash App after 50 calls I got through to someone and i ask why my account was deleted he couldnt tell me and said it have to go to the right people and it will take 30 days it has been 120 days and still dont know the reason why they just closed my account.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist. 
I have sent out debt verification letter to creditor requesting signatures and dates. I have received no valid response.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past week ( XXXX XXXX - XXXX XXXX and ongoing ), Equifax will not let me into my account. I have talked to them ( via various phone numbers, and both overseas and U.S. agents ) at least six times a day and get different, ridiculous excuses. I still can not get in. When I try to reset my password ( which I know I am entering correctly in the first place ), the reset emails never arrive ( and I have checked junk/spam folders ). 

All this began because I want to put the now-free freeze on my report. I had no problem with XXXX  and XXXX but can not do so on Equifax. However, through their free-to-people-whose-information-was-compromised last year XXXX site, I can see that the employment information listed for me is beyond bizarre. It lists companies I have never worked for and shows one employer not as an employer but rather my occupation. I've talked to Equifax to try to fix those and they've promised me it's fixed but it still shows wrong. 

Sometimes I've been asked those personal questions about personal loans and such. I absolutely have answered them 100 % correctly every time but I STILL can not access my account or any information related to it ( i.e., I can not access my credit report information ). 

So to summarize, 1 ) I can not get into my Equifax account no matter what ( including trying to create a new account ), 2 ) Thus I can not freeze my Equifax account, and 3 ) the employment information is crazily wrong but I can not fix it or get it fixed.
Product: Student loan

I use to have a XXXX Student Loan Account. Every month I would call the XXXX number and make a payment, it would take less than five minutes. In XXXX 2015, some company called American Education Services took hold of my XXXX accounts. On XXXX/XXXX/15 I have tried to make a payment by phone and by computer. When I tried to make an account online, I was consistently getting error messages, saying my social security number was not correct, or name was incorrect. I was on the phone for 20 plus minutes and transferred by XXXX different people. each person who could n't help me. I also tried making a phone payment and their automated system would n't recognize any entry that I tried to input. I never agreed to have any loans serviced by this company as my original loan note was from XXXX. This is a breach of contract and I refuse to do business with this AES company ; especially when they ca n't get any information correct.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the Following accounts are fraudulent : XXXX XXXX {$1200.00} XXXX {$680.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ga XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX ( # XXXX ) on my credit reports with XXXX XXXX XXXX XXXX and TransUnion XXXX This account was opened as a result of identity theft, without my knowledge or consent. I demand the immediate removal of this account from my credit reports and request a thorough investigation into this matter, as well as appropriate compensation for the damages caused. 

Issue Identified The XXXXXXXX XXXX account reporting on my credit reports is not mine. It was fraudulently opened due to identity theft. I did not authorize any transactions or communications with XXXXXXXX XXXX, nor did I receive any services or products associated with this account. 

Discrepancies in XXXX XXXX. XXXX : Was 30 Days Late 2 Time ( S ).

Was 60 Days Late 2 Time ( S ).

Was 90 Days Late 5 Time ( S ). 
XXXX. XXXX and TransUnion : Was 30 Days Late 2 Time ( S ).

Was 60 Days Late 2 Time ( S ).

Was 90 Days Late 4 Time ( S ).

The inconsistencies in the reporting of late payments among the credit bureaus further highlight the inaccuracies and confusion caused by this fraudulent account. 

Violations and Impact The presence of this fraudulent account on my credit reports violates my rights under the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit profile. The inaccurate late payment history and fraudulent account negatively impact my credit score and overall financial standing, potentially leading to denials of credit and other financial services. 

Applicable Laws and Regulations 1. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : This provision allows consumers to request the blocking of information resulting from identity theft. I am exercising my right under this law to request the immediate removal of the fraudulent account from my credit reports. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including accounts opened as a result of identity theft.

3. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inclusion of this fraudulent account violates this requirement.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate or resulting from identity theft.
Product: Debt collection

I received a voice mail from Commenity Bank on  XXXX / XXXX / 2017  at my work phone number. I was given the number  XXXX  and ext #  XXXX . The man who left the message said he was calling from Commenity Bank and he was calling my work phone number because it was the only number he has to reach me. This is not true and he could also contact me by mail. I 've been told they have called my place of work repeatedly. They have a cell phone number for me and they have called it as well. I 'm only complaining about the phone calls they are making to my place of employment. I have never given them my place of employments phone number or even told them my place of employment.
Product: Debt collection

I sent a cease and desist of telephonic communication on XXXX XXXX, I did NOT make any promise or pledge to make any payment arrangements. They sent me a letter lying about my communication to them and stating that I had made an agreement to pay them. This is a violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also the following inquries not mine never did anything during those date mention here 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 or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

Trans Union, XXXX, and XXXX have violated my rights. 

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

Equifax is in violation of 15 usc 1681 ( b ) ( a ) ( e ) ( 2 ), which states that a consumer reporting agency may furnish a consumer report but in accordance. I the consumer did not give them consent to report anything. No consent is identity theft. I demand equifax remove two collections accounts, late payment inquiries and hard inquiries from my report.
Product: Checking or savings account

On XX/XX/23 XXXX XXXX ( XXXX ) called me saying transactions had been cancelled by XXXX and a solicitation for my agreement on a {$10.00} fee was made. 
On XX/XX/23 the same thing happened. 
On XX/XX/23 Wells Fargo advised a {$11000.00} XXXX XXXX XXXX XXXX XXXX unacknowledged ( by me ) withdrawal had been made on my account. 
On XX/XX/23 Wells Fargo advised another {$1100.00} XXXX XXXX XXXX XXXX XXXX unacknowledged ( by me ) withdrawal had been made on my account. 
Further, my XXXX account was - {$640.00} below XXXX. 
An electronic deposit was made by my employer bringing it to - {$110.00}, where it stays after I closed it later that day. 
Monday XX/XX/23 I checked my fraud complaint status with Wells Fargo who advised I had no claim ; mailed letter pending. 
I claim failure to client fiduciary responsibility on both XXXX and Wells Fargo. 
I claim conspiracy to defraud a lawful client, myself, by XXXX and Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Late payments from SYNCB/Care Credit from XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states. ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/26 I disputed A inaccuracy on my credit report which is a bankruptcy. XXXX  and Experian said that the bankruptcy came back verified.They could not verify the bankruptcies with this creditor because the creditor in this case is a Bankruptcy Court who informed me over the phone they do not verify bankruptcies with anyone. It is a violation of my rights. The letter I got from both Experian and XXXX  allegedly said they verified this was my account with XXXX XXXX which is a third party vendor and against the FCRA. Equifax wasnt able to verify that the bankruptcy was mine and have deleted the bankruptcy from my report.
Product: Debt collection

Debt reported to collection agencies even though I was trying to communicate with agency. Also, incorrect amount of debt owed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


ACCOUNT : XXXX XXXX.
Product: Checking or savings account

I think this happened on the morning of XX/XX/XXXX or XXXX I have a checking account with chime that's been unsecure since I've had it. I'm continually pointing out the things that are going wrong someone from XXXX XXXX stole about {$800.00} out of my account and chime because of their poor security issues it started with a {$1.00} withdrawal and then about a couple minutes later there was an {$1.00} withdrawal and then I think another {$1.00} then you think we're continually every 2 minutes {$1.00} was taken out every 2 minutes and I've told the supervisor at XXXX I talked to that this should not even happen there should be software written that a flag comes up nobody takes out {$1.00} from XXXX XXXX and then 2 minutes later takes another dollar out from cash and this is continually happening with chime they're unable to secure security account unable to fix it even though you point out what the error is I I have a lot of experience with hardware and software I work in the tech areas and I know this is almost impossible to come up to happen when you have a {$1.00} withdrawal another wood {$1.00} withdrawal within 2 minutes this one on for almost you know like an hour and after that there was also a {$5.00} withdrawal I think a {$50.00} withdrawal another {$20.00} withdrawal from XXXX XXXX  and chimes unable to solve this problem and unable to even help me with this problem I've complained about this problem over and over again nobody 's fixing it nobody 's getting my money back to me.. they're taking the time trying to get the money back to me I've asked because my card was deleted after this I asked for a card to be XXXX  to me and they told me that I have to wait for 7 days and now I may be thrown out of my apartment because I can't pay my rent because Chime... 
I am have tried to get them to send me a XXXX  a card to me and they refuse to do it I said that I have to wait 7 to 10 days for a card people need access to their money this is continually happening in time I don't understand why consumer protection board can't do something about these companies like chime and they're continually doing this and nobody seems to stop them or care to stop them I continually have been trying to work with chime to tell him what's going on their software isn't working and they refuse to help me to XXXX  a card to me I mean it's my money they're not keeping it secure and I should be able to get my money.. please can you help me with this problem I'm I've been battling with chime for months and they don't want to fix anything