23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is not a valid debt, and Diversified Consultants , Inc did not investigate nor give me an answer to valid this debt, but took the easy route and placed it on my credit report instead of investigating the validity of account before the date of the letter prior to placing this bogas debt on my credit. This is a bogus claim from XXXX XXXX XXXX. I have been making attempts to contact this collection agency withing the 30 day time frame to find out why are they contacting me with a debt to collect with incorrect information and wrong amount of what is owed to XXXX XXXX XXXX reporting the incorrect amount ; When in fact I notified the company to fix the problem to terminate service and adjust my bill which never was completed.. Each month they would overcharge me, so I terminated services and retained a new phone service but XXXX still billed me for over three months.This is NOT my bill and will not pay it. I 've sent correspondence to the collection agency and they went behind my back with the incorrect amount of bill and placed it on my credit report before the 30 days for them to answer my dispute was done. I want this off my credit report at once! Have Diversified Consultants , Inc confirm the true amount of debt and remove off my credit report at once.
Product: Debt collection

I have called them numerous times last year to tell them my sister and dad passed away that I will no longer be able to afford my phone plan they would turn it off I shouldnt have still received a bill for my sisters since she passed. I have not been working and still going to threwapy. This was owed XX/XX/2023 and I am just now receiving a letter of amount {$910.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account inaccurately reported by XXXX XXXX XXXX to Experian. The account in question is being reported as 120 days past due, even though it is a collection account, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

2. Specific Violations : FCRA Violation : Section 623 ( a ) ( 1 ) ( A ) requires that information furnished to credit reporting agencies be accurate. Reporting a collection account as 120 days past due misrepresents the nature and status of the account, violating the accuracy requirement.

FDCPA Violation : Section 807 prohibits false, deceptive, or misleading representations. Reporting the account as past due when it has been transferred to collections creates confusion and could mislead creditors or potential lenders.

3. Additional Concern : The date of delinquency does not appear to reflect the correct date of first delinquency from the original creditor. This date appears to have been altered or re-aged, which would constitute an additional violation of the FCRA under Section 605 ( c ).

Actions Requested : Immediately instruct Experian to correct the account reporting to reflect its status as a collection account. 
Remove the 120 days past due designation as it is inaccurate. 
Ensure that the date of first delinquency aligns with the original creditors records. If original creditor 's records are not provided to verify the date of first delinquency, please delete this record from my consumer file or credit report. 

For accuracy of this account, please review and send me verification of the purchase agreement from the original creditor along with the complete statement 's record for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's decision to keep certain hard inquiries on my account is highly concerning. Equifax 's hard inquiries do NOT match those hard inquiries I see on my most recent credit report with XXXX and XXXX. Equifax did not provide proof of what the creditors provided back regarding the hard inquiries, also whom I also called and confirmed with each hard inquiry creditor, they do not know who I am and requested I file a complaint with the FTC and CFPB because Equifax did not investigate throughly, which is further proven again by my XXXX credit report and XXXX credit report. 

Confirmation number : XXXX XXXX  times does this investigation state " The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' - I did not authorize anyone to access my credit file, XXXX and XXXX confirmed that these hard inquiries do not exist on my recent credit report with them, respectively. 

Confirmation # XXXX 2 times does this investigation state " " The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' - I did not authorize anyone to access my credit file, XXXX and XXXX confirmed that these hard inquiries do not exist on my recent credit report with them, respectively. 

Please delete these hard inquiries I did not authorize anyone to access my Equifax credit report XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax did not do an investigation at all, I contacted all creditors and they stated that they had never access my file.
Product: Debt collection

Collector is reporting a debt that the original debtor is no longer reporting on any reports. The original debtor is no longer reporting the debt, because the statute of limitations has occurred. The last payment date will be 7 years on XXXX XXXX, 2015. 

Although it is only a few weeks away, Asset is the only debt collector violating the federal rule to no longer report the debt.
Product: Credit reporting or other personal consumer reports

My account and information were hacked by several companies. Last year XXXX XXXX XXXX, my account was hacked, money was stolen and transferred out of my account and my information was changed. I called, my money was returned weeks later but obviously my information was stolen and damage done. 

With credit karma, same thing. My account was hacked and information changed and stolen. Nothing big was done. I just had to verify my identify to get access back to my own account. I did that. Damage done, information changed and stolen.
Product: Debt collection

I am in the process of buying my first loan and recently discharged from bankruptcy on XX/XX/2018. My mortgage company discovered that the company XXXX XXXX has a lien against me dated XX/XX/2018. XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX Alabama XXXX ( a debt collector ) for XXXX XXXX , XXXX. They filed a small claim with XXXX county XXXX in the amount of XXXX. 

I do not know anything about this bill. I believe my identity has been stolen because this debt is not listed on my credit report. XXXX XXXX is the debt collector representative and she says that it is for a XXXX Credit Card and that I used it at XXXX and for XXXX XXXX. I have not had XXXX XXXX in 7 years. She asked if I was still in bankruptcy and when I told her I was discharged she said I had to pay the bill. She did not give me any dates of these charges or a copy of the bill. The address on the lien notice is my prior address but I did not have XXXX XXXX. I had XXXX XXXX  briefly and XXXX  and the internet provider. I have left many messages for her call me back but have not received any answers. She did provide me with the creditors name as a XXXX Credit card, and their file #. When I called Continental Finance, they refused to talk to me stating that my account was sold t XXXX  XXXX. I don't believe this is my account and if is I never received a statement and the charges are not mine. From the XXXX charge, this date of the charge is prior to me file bankruptcy and this bill should have been settled through the bankruptcy chapter XXXX. I can not get in contact with XXXX  and they are never available to discuss this nor have they sent me the needed information to verify whether this is a true bill. I need this cleared up asap or I will loose my FHA loan.
Product: Credit reporting or other personal consumer reports

i have received my disclosure from LexisNexis and XXXX, XXXX said it comes back verified as accurate when the issue is LexisNexis doesn't have a bankruptcy listed under my report as it was deleted for unverifiable information, the address on the bankruptcy is not my address as my student lease was somewhere else, it also says not represented by attorney, but yet it shows attorney XXXX XXXX XXXX. also i contacted the XXXX XXXX court/ LexisNexis/ XXXX and they all said they cant verify the information as none of them share with XXXX parties so XXXX lied.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I attempted to exchange {$200.00} for XXXX pesos at Citibank at XXXX XXXX XXXX XXXX XXXX # XXXX None were available. I was to return the next day, XXXX XXXX, at which time I received an envelope with XXXX pesos, an appropriate amount. When I tried to use XXXX XXXX peso or XXXX XXXX peso notes in XXXX XXXX on my arrival on XXXX XXXX I was told by several merchants including my hotel that they were counterfeit. 

The reference # is XXXX # XXXX for Citi 's receipt of funds and customer confirmation. These funds were shipped by XXXX overnight to the branch XXXX. I am in possession of the counterfeit notes. I have not approached Citibank at this time.
Product: Checking or savings account

I was incarcerated in XXXX XXXX, Maryland on XXXX XXXX XXXX  and was released on XXXX XXXX XXXX I was unable to have access to my account as I was incarcerated and my money went missing. Filed a dispute still no resolution after 6 months and they suspended my account and won't release money in my account I worked for to me.
Product: Debt collection

I have been getting phone calls from Credit Management for roughly two weeks at this point. I have received nothing in writing from them to validate the debt they are speaking on and in fact I have a zero balance letter from the company they are claiming I owe money to. Today XX/XX/22 at XXXX XXXX I received a phone call from XXXX and a " XXXX XXXX XXXX asked to speak to me, XXXX XXXX XXXX I told him I am XXXX and asked what this was in regards to. He asked me to validate my address, I asked the name of the company he was calling from. He stated my address again and told me to validate my address. I let him know I am not validating my address without knowing the name of the company. He then said " We will just reach you by mail '' and hung up. 
XX/XX/22 XXXX XXXX I called the number back, got XXXX XXXX When calling I heard it was Credit Management via their recording. I notified XXXX that the previous agent was not allowed to refuse to provide identification. She asked me to confirm my address as well-but she did say the name of the company and said she could provide more information if I confirmed my address. I let her know Im aware of what this is about now, but my call is to alert her the previous agent, XXXX XXXX, REFUSED to provide the name of the company while demanding me confirm my address which he is not allowed to do and I will be filing a CFPB complaint on him for failing to identify his company while demanding personal information from me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost fund was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams and fraud. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I received a XXXX ( phone never rang ) from XXXX. States I need to call XXXX immediately or they would send my file to court. I called WDS is how they answered. I advised I was returning a XXXX. They stated I had a debt of XXXX and I could pay them. I dont believe this is accurate and know my rights so asked about verification of this and asked it be sent via email. She refused. Stated it had been sent already. I asked to what address she provided an address I dont live at. She kept arguing with me that I have it and to just pay. She said it is owed to Wells Fargo. I again refused to pay and stated I wanted documenting of this debt as I feel it is not valid. She refused. When I asked for address /name of collection business she laughed and hung up. I called back and she stated I was harassing them and to not call back. I called Wells Fargo who advised I would not be able to open a new account ( which I have several accounts with them currently ).
Product: Debt collection

LVNV FUNDING LLC Listed as original creditor. I have contacted the company asking for proof that I have did business with them directly and they have failed to provide this information. I have also notified all three credit bureaus and are demanding this false information be removed.
Product: Credit reporting or other personal consumer reports

Please see the attached letter from the FBI that I received on Friday, XX/XX/2024. I am forwarding it to you as additional information regarding my unfortunate situation that occurred last year for your understanding and consideration. Sincerely, XXXX XXXX
Product: Debt collection

A company named Hunter Warfield calls me, my family, friend, employer, send text several times a day. I do not have a debt. I've asked them to stop harassing me but they continue to do so and I want it to stop ASAP.
Product: Credit reporting or other personal consumer reports

I am a victim of credit theft and discovered fraudulent accounts on my credit report. I promptly requested that these accounts be removed by the credit bureaus. However, while some credit bureaus removed the fraudulent accounts, others did not. Some bureaus did not conduct a proper investigation or reach out to the credit card issuers to verify the fraud. This inconsistent handling has left some fraudulent accounts active on certain reports, negatively impacting my credit score and financial standing. 

I have taken the following actions : Contacted each credit bureau to dispute the fraudulent accounts. 
Sent documentation proving the theft and requesting removal. 
Attempted to follow up on the investigation, yet some bureaus failed to provide updates or communicate with the credit card companies involved. 
The unresolved accounts are impacting my credit score and limiting my ability to access credit and other financial services.
Product: Checking or savings account

Since XXXX I have disputed over a dozen transactions due by falling victim of a scam and theft. I have provided Sofi with full detail of everything and over 300 photos showing proof of my claims of being a victim of a scam. Then theres fraudulent transactions on my account on XX/XX/24 & XX/XX/24 where someone accused my Account and stole {$450.00} the {$10.00} to a XXXX XXXX and the recent {$17.00} to XXXX XXXX and the fraud department stated it does not show. I was actively on my account during those three transactions, but SoFi stated no air occurred and denied my disputes. I keep providing anything I possibly have to show them but I do not know what else to provide besides more complaints filed against them and not fallowing the banking rules and regulations and laws they are bound by. If they do not correct these disputes then they must be apart of the problem being scammers and thieves and possibly an internal job stealing consumers money and denying their disputes. ALL I WANT IS MY MONEY BACK
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, Account name : XXXX XXXX # XXXX, Account name : # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX  # XXXX has violated my rights.

15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my numerous attempts to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8300.00} XXXX XXXX  Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt or credit management

I am writing to express my concern regarding the the investigation into my issue was not conducted properly, and I did not receive a satisfactory resolution. 

Despite providing all relevant documentation and details, the response I received indicates that my complaint was not fully investigated or considered. I believe there are key aspects of the matter that were overlooked, which may have led to an incomplete or incorrect outcome.

I respectfully request that my case be re-evaluated and that a more thorough investigation be conducted. I would appreciate a prompt update on the status of my complaint and any steps I can take to ensure it is addressed properly. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit card

Hi based on Bank of America overdraft fee class action lawsuit, I was not refunded for the overdraft fee that they charged me on 3 months in a row back on XXXX for XXXX, XXXX and XXXX and a late fee for XXXX XXXX, each of them in the amount of {$35.00}. It was only XXXX late fee that should be waived as I know other credit cards are offering to their customer. I was their customer since XXXX, on XXXX I proved enough for my loyalty besides them.