23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been constantly been receiving vulgar calls from JPMCB at work and at home. These calls are causing me stress at my place of employment because my boss is coming down on me because of all the constant calling. I can not have a productive work day without being harassed by this company. I've received calls close to XXXX holidays and all the call 's are really starting to take a toll on my mental health. It's down right overbearing. 

I've attached a Cease and Desist letter to my complaint.
Product: Payday loan, title loan, personal loan, or advance loan

I received a letter from US Bank XXXX XXXX XXXX branch saying I was denied for a personal loan. The problem is that I never applied for the loan in the first place a similar application happened with XXXX XXXX, which they are investigating now and I received a phone call from XXXX saying someone charged a video game worth {$910.00} to my account, my XXXX account which I do not have
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute in the regards of incorrect items on my credit report. I was ask to give 40 days which has been well over the grace period asked.
Product: Debt collection

They called me at work told me they have won a judgement against me and a court order seizing my bank account and that my direct deposit will be denied and if I have any outstanding payments on the account they will be declined. I was told if I gave them {$450.00} by credit card right then they can begin the process of unlocking my bank account and send if I send them a check in the amount of {$4000.00} within the next seven days they would release the lock and not seize the original debt of {$12000.00} and would send me a letter of the debt. I did but my family said I was scammed and I talked to a lawyer and should them the letter and he advised that indeed I was scammed. They can not collect on a debt from 1995 and the tactics used were unlawful and to call my credit card company and have the charge reversed as fraudulent.
Product: Credit reporting or other personal consumer reports

I applied for a card with XXXXXXXX XXXX. I received a letter stating they could not access my Equifax report despite it being unlocked. I called and, without my permission, they pulled my report again. They stated that didn't work either and they still couldn't access my report, so they couldn't process the application. None of this was true as they made XXXX hard inquiries on my account without processing my application. I want these inquiries removed as XXXX operated without my permission to pull one and claimed they couldn't access my account on the other, when they obviously did.
Product: Money transfer, virtual currency, or money service

I sent my uncle {$1000.00} usd to XXXX using xoom app and today when I logged into my bank account I saw two pending transactions got approved for {$1000.00} which shocked me as I did see both transactions in my bank acc but as they were in pending status I thought it was just a normal thing that usually happens. But I looked into xoom app today after I noticed the bank acc and saw it showing only one transaction on main and in sub category page there were two transactions back to back sent. I have no clue how this happened though there was a service error that day. I contacted the company and they says their partner company already has transferred the money to receivers bank account and there is no way they can do anything. Its quite disappointing that they dont have some sort of a message or warning that multiple transactions are being processed back to back and if sender wants to proceed. I myself have a XXXX XXXX XXXX ( XXXX ) and they have a bit of strict policies when sending money but as I XXXX XXXX XXXX   of XXXX cant use their service to send thats why I use xoom if theres any family emergency or need. So I just wanted to forward my complain regarding this issue with Xoom that they need to better the system and protect one from such computers errors sending  back to back transactions
Product: Debt collection

I was contacted by Berks Credit & Collections , Inc at XXXX XXXX XXXX XXXX, PA XXXX. The staff I was speaking with XXXX, trying to let her know that the debt notice was incorrect and I had cleared it with the Doctor. She then told me that my insurance did not pay the debt and it was referred to them from the doctor. I asked if she knew the insurance did n't and she said yes. When I told her I had paperwork from the insurance showing it was paid right in front of me and that she was lying. I requested the info form her that my insurance did n't pay the Doctor and she said she did n't have to give it to me. She then said she was going to hang up on me because of how I was treating her. I never once raised my voice or yelled at her. When I was asked her for info on the company so I could report it to the cfpb she hung on me.
Product: Money transfer, virtual currency, or money service

There is an issue with how Zelle is handling disputes and fraud with their services. Zelle fails to throughly investigates claims and discrepancies. They said recovering lost funds was impossible. I dont feel protected as a customer.
Product: Mortgage

Dear Bank Of America XXXX sent Information requested to another person besides myself. I requested information regarding my loan as well as proof of any third party whom accessed my personal information. I requested whom provided the information to third party and based on what documents provided to XXXX XXXX if XXXX provided documents ). XXXX confirmed information was provided to a third party without my permission. I am in pro per and information should have been sent directly to me as requested. If XXXX holds no contract/substitution of trustee etc related to loan. XXXX Provide documents provided to third party as well as document authorizing such release. I am requesting an XXXX Executive contact me directly. As these are general question allowed to ask as myself as XXXX prior customer.
Product: Credit card

Throughout, I've consistently ensured prompt payments on this account, preventing any overdue instances. However, I am uncertain about the reasons behind the reported late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

I have historically frozen my credit with Transunion, XXXX and XXXX. I have never had any issues with either XXXX and XXXX. Each and every time I try to manage my credit freeze on the Transunion website it says they are unable to process my request. Their website does not allow me to file a dispute online either. When I call and speak to a company help desk, they literally tell me they can not find my credit report. I was referred to a supervisor who never picked up the phone ( I waited on hold for over one hour. ). In XXXX of this year I went through the same exercise and a supervisor told me Transunion had incorrect personal information about me which was causing the problem. They provided me a XXXX # XXXX which was to solve the problem on their end. Nothing has changed since that time, and no update was offered. The inability to correct the problem is literally costing my family money as I am unable to renew or update new utility plans etc. I would like to speak to someone with the expertise to help me solve this problem.
Product: Checking or savings account

On XX/XX/XXXX and again on XX/XX/XXXX, Bank of America Credit Card Services arbitrarily and without written or verbal authorization, illegally accessed my account and drafted {$1600.00} dollars twice, for a total of {$3200.00} dollars, from my business banking account. These unauthorized charges will not be reversed by them and have caused undue hardship in the management and operation of my business affairs.
Product: Debt or credit management

I am a past client of Lexington Law credit repair. There is a class action law suit which I am entitled to and have not received any information concerning this matter. My new contact information is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Can someone contact me with this information please and thank you!
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number.

Address on file for alleged debtor.

Amount of alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Product: Debt collection

As far as I am aware, and due to the receipts I have, XXXX was paid almost two years ago directly before it ever went into collections. I called to request validation of the debt from Convergent on Friday ( the day I received the letter ) and it was then I realized they had blocked my personal cell phone from calling them ( due to the nature of my job ) and I made sure to call from my work phone immediately after to require an employee to hear the message I got on their recorded line. The call was made XX/XX/21 at XXXX CST and I spoke to XXXX XXXX After playing the message to her, she disconnected the call immediately. I decided to call again from my work number to see if it was an accident or if the same thing would happen, it disconnected after 8:55 minutes on hold. 
Not only do I have no knowledge of this debt, this company has made it impossible for me to contact them to pay them even if they validated the debt. I wrote them an email Friday at XXXX and requested validation of my debt including what exact service was being billed within 48 hours, they did not respond. 
I have no means to contact them if they keep blocking my numbers and I am requesting this be removed since I cant pay a company that blocked me. You are more than welcome to require them to provide the call made on the above date at the above time so you can see the proof behind what I've said.
Product: Checking or savings account

Bank of America blocked both my wifes and my debt cards because they saw a lot of activity going on. They gave us no warning until late and that was after we were embrassed trying to get monies out of our own account with an ATM with an XXXX XXXX XXXX in XXXX NJ. The tranactions were all legal, so why should a XXXX bank such as BANK of AMERICA control our monies, and tell us how we can handle our own accounts and monies. I have since cut up the ATM cards and thrown out the checks. This is XXXX and I will not tolerate being watched and told what to do with my own accounts and monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1692, I do not owe any debt because I am the consumer and I'm not obligated to pay. I am the consumer, NO ONE CAN VALIDATE MY DEBT BUT ME. Ive disputed over and over that the debt is not mine. Ive asked for documentation! Nothing has been sent. I, now, demand you to remove ALL information pertaining to me. Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been. I DID NOT give you permission to report anything on me! Under the law, my federal consumer rights, I am instructing you right now according to 15 USC 1681 b-a-2 to remove all accounts according to my written instructions. Ive contacted you multiple times to dispute items that are not mine as my identity was stolen and you refused to remove. Remove all information in 4 business days according to 15 USC 1681c2! These are the laws! YOU WILL NOT XXXX ME WITH DEBT THAT IS NOT MINE!
Product: Credit reporting

XXXX XXXX XXXX is not being reported properly on my Experian credit report. XXXX 2013, XXXX 2013, XXXX 2013 and XXXX 2013 payment reporting and history do not seem correct. I asked for results of the account review and I never received a proper response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX requested a hard copy of my credit report without my authorization. 
Based on their privacy notice they must request a hard credit inquiry and based on the noticed I received from Experian is that they received a hard copy of my credit report. This had a negative effect on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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

I have unauthorized accounts reporting on my credit report that I have no knowledge of.I have filed an ftc with XXXX, XXXX, and equifax and need these removes from my report as soon as possible.I feel as if I am being taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Traded in a car and dealership didnt payoff within the 10day alotted time which resulted in a late payment dealership sent fax to chase saying it was their fault and to please remove from my credit chase removed it from XXXX  but did not from XXXX or XXXX I disputed it with both and they will not remove it. Traded vehicle XX/XX/XXXX disputed XX/XX/XXXX. This was not my fault and it should be removed.
Product: Debt collection

In accordance to the fair credit reporting act CAPITAL ONE # XXXX Capital one # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX capital # XXXX accounts 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 : States A consumer reporting agency can not furnish an Account without my written consent 15 U.S.C 1666B : States A creditor Can not treat a payment under a credit card account, Under an open in consumer credit plan as late for any purpose. 

Please delete these accounts immediately this has detrimentally impacted my XXXX score for years
Product: Debt collection

I show a debt to XXXX/XXXX on my credit report that I know I had insurance for ... so to begin with I called the hospital to verify this unpaid bill. XXXX said that they do not show any unpaid bills for me and instructed me to call the collection agency and ask for a detailed information sheet on this debt so that I can dispute it properly. I first called XXXX collection co ( XXXX ) which was very pleasant and professional, the lady on the phone said no problem we need to send for that information and when we get it we will forward it on to you. THEN I phoned ARMADA corp ( XXXX )., let me tell you they are unprofessional clowns. I first was transferred at least four times before reaching the GEM of an agent that I did .... I did not get her name but she is working out of their XXXX, Wa office and XXXX is the supervisor. I asked for the same detailed list from them and they acted like it was near impossible, finally she said that I would have to submit a letter to them in writing requesting this information, I explained to her and several other employees of XXXX that it is their job to prove this debt and that I was requesting it by phone and she said she would " see what I can do '' which is not acceptable so I requested to speak to her supervisor who was conveniently unavailable and then she hung up on me. I called back and spoke to a different person in the same office who said that the first lady that I just spoke with was now UNAVALIABLE. I again expressed my desire to dispute this debt and that I was requesting this formally NOW on the recorded phone line. I was finally told that XXXX would have to call me the following day which is today ( XXXX/XXXX/2016 ) and I received no call from Anyone at XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my consumer credit report under the Fair Credit Reporting Act ( FCRA ) due to identity theft. I have enclosed a copy of my police report and the FTC Identity Theft Report to substantiate my claim. 

I discovered these fraudulent accounts on XX/XX/scrub> 2025, when I reviewed my consumer report. The following accounts were fraudulently opened in my name without my authorization : 1. XXXX XXXXXX/XX/XXXXAccount XXXX : XXXX, XXXX 2.XX/XX/XXXX Account Numbers : XXXX, XXXX 3. XX/XX/XXXXXXXX Account Numbers : XXXX, XXXX 4. XXXX Account XXXX : XXXX 5. XXXXXX/XX/XXXXAccount Number : XXXX 6. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX These accounts and charges were not initiated by me and are a result of identity theft. Under the FCRA, I am requesting the immediate removal of these accounts from my credit report as per 605B ( 15 U.S.C. 1681c-2 ). This section of the FCRA states that a consumer has the right to block information resulting from identity theft upon providing proof of identity theft, such as a police report.

I demand that these inaccuracies be permanently removed from my consumer report to prevent further harm to my creditworthiness and financial standing.

To support this dispute, I have included : A copy of my police report. A copy of my FTC Identity Theft Report. A copy of my identification A copy of my credit report with fraudulent accounts highlighted. 
.
Product: Debt collection

This company keeps calling my job & I dont know them & I owe no one. They are also sending robo calls I have proof if needed
Product: Debt collection

I am filing this complaint regarding the fraudulent reporting of a debt by XXXX XXXX XXXX for an alleged account with XXXX XXXX XXXX I have never entered into any business with XXXX, nor signed a contract authorizing this debt. I strongly suspect that my personal information was compromised during the XXXX data breach, which has led to this unauthorized activity. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, my credit information can only be accessed or reported with a permissible purpose, which is clearly absent in this situation. This unauthorized debt reporting is a direct violation of my rights under the FCRA. Furthermore, under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions have a duty to protect consumer data. Given the XXXX data breach, it is clear that this duty was breached, resulting in misuse of my personal information. 

XXXX XXXX XXXX is also in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, as they are fraudulently misrepresenting a debt I do not owe. This is not only a violation of federal law but is also fraudulent activity, for which I demand immediate correction.

Additionally, under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, I have the right to dispute unauthorized and inaccurate billing practices. No legitimate business transaction, contract, or agreement exists between me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX making this collection unlawful and fraudulent. 

I am demanding that the CFPB immediately investigate this matter and force the removal of this fraudulent collection from my credit report. This is an egregious violation of my rights as a consumer, resulting from inadequate data protection during the XXXX breach. The companies involved must be held accountable, and this fraudulent activity must be stopped to protect me and other consumers.
Product: Credit reporting or other personal consumer reports

Delete hard inquiries, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX