23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX XXXX, is filing the complaint on behalf of my son, XXXX XXXX, presently not in the country. And, was not in the country at the origination of the debt during XX/XX/2019. The original bill is via a company named XXXX, where the only communication began with the billing of the amount {$300.00}. 

The origin of this bill began with an application named " XXXX. '' " XXXX '' began texting XXXX during XX/XX/2019 about monthly savings on bills. I have never solicited any service from " XXXX ''. At no time was there a live individual. Everything was via text messaging. The people or customer service representative was unknown. " XXXX, '' and those behind the scene, strangely reviewed my bills and stated that they could save me money. I was curious but there was no agreement for services or fees. Eventually " XXXX '' text that they could save money by lowering my cell phone monthly bill. At no time was the other party, XXXX, ever introduced through the various text messages. " XXXX '' had access to all of my accounts. It is uncleared as to where this company extracted the information ; i.e. banking, credit report, etc. Even up to this point, XXXX was not introduced. They were the " invisible '' partner of this scam. Keep in mind, as a customer of XXXX, I could have easily called to discussed lowering the bill. 

On XX/XX/2019, I received a text invoice from XXXX for a fee of {$300.00}. Was my bill lowered, no! I emailed " hiCharlie '' with my protest at XXXX. Who is XXXX? The entire scenario is suspicious and it is probable that " XXXX '' was actually a separate entity or application of the organization XXXX. Now, XXXX is on the scene. I disputed this charge and communicated with XXXX. XXXX stated it had to be handled through " XXXX ''. Now, XXXX is stating there is nothing that they can do. XXXX does not have any agreement from me or my son for their services. I, XXXX XXXX, never ever granted permission for a {$300.00} billing for something that I could have done. 

A complaint was filed with your agency, CFPB, XX/XX/2019 regarding these fraudulent practices of the owner of " XXXX '' and association with BillShark. XXXX is fully aware of the bait and switch tactics used through this application, " XXXX. '' I honestly believed that they worked together.. Let it be cleared that " XXXX '' appeared via the phone number XXXX, which I, XXXX XXXX, is the owner. This verifies the fraud practices of XXXX. The XXXX  bill has three ( 3 ) numbers associated on it and one owner. I, XXXX XXXX, is an authorized user on that account. However, I, did not authorized nor agree to the billing of any services via " XXXX '' or XXXX. And, since XXXX XXXX was not in the United States, neither did he. 

The original associate of XXXX that began billing was XXXX. 
Now XXXX has sent this bill to Merchants & Professional Collection Bureau.
Product: Credit reporting or other personal consumer reports

I am filing this report to document the unauthorized use of my personal information and identity, which has resulted in accounts being accessed, created, or reported to credit reporting agencies without my knowledge or consent. These activities violate my rights under federal laws, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681b ).

Upon reviewing my credit report, I discovered multiple accounts that I did not authorize, or permit to be reported. These accounts are fraudulent and represent misuse of my personal information.

Incident Details 1. XXXX XXXX XXXX Account Type : Factoring Company Account Original Creditor : XXXX  Amount Due : {$690.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Type : Factoring Companys Account Original Creditor : XXXX XXXX Bank XXXX. 
Amount Due : {$630.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Type : Collection Agency/Attorney Original Creditor : Charter Communications XXXX XXXX : {$260.00} Amount Due : {$2300.00} Status : Placed for Collection Date Closed : XX/XX/XXXX Estimated Removal Date : XXXX/XXXX Nature of the Fraud These accounts were not authorized by me. I did not provide my consent for my personal information to be accessed, shared, or reported to any credit bureaus or third parties. 

The unauthorized reporting of these accounts constitutes identity theft and illegal use of my personal information, as prohibited under : 1. 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Unauthorized sharing of personal information without explicit consent.

2. 15 U.S.C. 1681b ( Fair Credit Reporting Act ) Lack of permissible purpose to access or report my data.

3. 15 U.S.C. 1681e ( b ) ( FCRA ) Requirement to ensure accuracy and verification of reported data.

Impact of Fraud The unauthorized accounts have : Negatively impacted my credit report and credit score.

Resulted in financial harm and reputational risk.

these accounts have damaged my creditworthiness and caused undue stress.and stoping me from becoming homeowner Action Requested I am requesting that this report officially document the unauthorized use of my identity and personal information. This report will be submitted to : Credit reporting agencies ( TransUnion, XXXX, and XXXX ) as evidence to remove these fraudulent accounts. 
Relevant federal agencies such as the FTC and CFPB, if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$100.00}
Product: Debt collection

This complaint involves the primary collection agency and a more recent collection agency. To begin, the primary collection agency Harris & Harris LTD began contacting me about a valid medical debt on XX/XX/XXXX for {$550.00}. I contacted Harris & Harris LTD on XX/XX/XXXX and spoke to a XXXX XXXX. She would not give me her first name. I settled and paid {$330.00} as an agreed settlement amount between me and Harris & Harris. Confirmation # XXXX. I continued to receive debt collection calls and letters to my home which I have copies of. I contacted XXXX XXXX back on XX/XX/XXXX at XXXX per XXXX XXXX would close the case out per manager. 
XXXX Received another letter to my home from Harrris & Harris . Called XXXX XXXX back per XXXX XXXX admitted this letter should not have been sent out and that this is wrong. Spoke to manager XXXX XXXX and she reassured me that she would close this case out and no other correspondence would be sent. 
XXXX received debt collection call from XXXX XXXX XXXX ina temp to collect the debt in which I settled with Harris and Harris . 
I wish to file a complaint against this matter and to stop the harassment calls. Please contact me if there is any questions.
Product: Credit reporting 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 privacy and confidentiality under 15 USC 1681. 
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 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 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 SECTION A SECTION : 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 the 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: Debt collection

In XX/XX/2022, I moved into XXXX XXXX XXXX XXXX due to an ice storm damaging my primary residence. My insurance company paid for the bill through the XXXX XXXX. I moved from the apartment on XX/XX/2022. I had a walk through with their maintenance man. He pointed out manor damages. ( A torn blind, etc. ) About {$100.00} worth of damages. About 15 days later XXXX XXXX sent a final bill stating the ENTIRE carpet needed to be replaced because of dog XXXX. XXXX and I paid a pet deposit and a monthly pet fee. XXXX and I both requested pictures of the damages. XXXX XXXX stated that a " carpet specialist '' inspected the carpet after I moved out and DREW a diagram of where the carpet was damage. The also statement the padding had to be replaced so the carpet could not be cleaned. XXXX, XXXX XXXX and I all refused because XXXX XXXX did not provide proof of the damage. Now the bill has been given to a collection company and is affecting my credit. 

ProCollect , Inc # XXXX
Product: Credit reporting or other personal consumer reports

Im really upset to discover inaccurate accounts on my credit report this morning, and I cant understand why theyre there. Im diligent about checking my credit report, but today I was blindsided by random discrepancies. Hoping it was a browser issue, I refreshed the page, but the inaccuracies didnt go away. Because of this, Im requesting that the documents I submitted be carefully checked so I can finally stop stressing about my credit report once and for all.
Product: Credit reporting or other personal consumer reports

On XXXX I spoke to a dealership XXXX  XXXX XXXX XXXX explained to XXXX the Sales rep prior to anything on my concerns about getting multiple hard inquiries pulled from other dealerships in search of a vehicle. I told him I did not want to do this due to the fact that I was working on getting my credit score up to get a new place and vehicle. He told me that they had to pull it once in order to see what they were working with as far as credit report and what theyd be able to help me with before I even went down to the dealership. I explained to him I will do only one more inquiry and thats it! Then today XX/XX/XXXX I get a notification on my phone telling me that my credit score went down XXXX points! I then looked to see exactly what happened & sure enough I see not only on XX/XX/XXXX but also on XX/XX/XXXX multiple inquiries pulled from auto nation I did not authorize. Also from different banks that they were using which he told me it would only be pulled once, had I knew that he would be trying to get financing from multiple banks I would have never even went to the dealership to begin with.. So all of the inquiries on these dates but one should not be on my report, because they were simply not authorized by me.
Product: Credit card or prepaid card

I am trying to repair my credit to purchase a house for my family. I currently have two credit cards with capital one for over eight years. I have auto pay set up, and generally keep my usage below 10 %. On four occasions I experienced issues with the bank account connected to the auto payment. Mainly with changes made to my direct deposit at work. Because the account is set on auto pay, I did not realize I missed payments.

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is an Issue I have come to recognize happens if I make any changes to the distribution of my Direct deposit from work. I have filed a dispute in XX/XX/XXXX, as well as mailed a letter asking for forgiveness and to have the late payment marks removed as I am a long time customer with responsible usage who is trying to repair his credit. I have received no response.
Product: Prepaid card

On XXXX XXXX  2024 a payment from VA was sent to Comerica bank to be put on my direct Express card for XXXX I contacted the VA to inform them it was sent in error and XXXX request were sent by treasury on XX/XX/XXXX and XXXX to return the funds Comerica refuses to honor those requests I was informed today by the bureau of fiscal affairs Treasury XXXX to file a complaint with your agency
Product: Credit reporting or other personal consumer reports

I am filing a dispute concerning erroneous information reported by Experian, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). The following accounts are not mine : XXXX XXXX XXXX  : Reference # XXXXXXXX XXXX XXXX XXXX : Reference # XXXX XXXX XXXX  : Reference # XXXX As stated under 15 U.S.C. 1681 ( a ), I have the right to privacy and accuracy in my consumer report. Under 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), Experian should not furnish or include information on my report without my express written instructions, which I have not provided for these accounts. 

I respectfully request that the CFPB investigate Experian for non-compliance with the FCRA and that they correct my report by removing the listed accounts. Attached are supporting documents to aid in this process. 

Thank you for addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt is no longer collectible since I already settled the debt in full to XXXX. In my attachment, you will find a letter from XXXX XXXX or XXXX claiming that this account has already been settled.
Product: Student loan

Third time this year I have XXXX loans XXXX and XXXX, I mail in {$75.00} each month to them. They will not let me see it online, or mail a invoice to me, cant get the balance without calling and transfered around. I mailed these in last month XXXX money orders XXXX XXXX XXXX XXXX and XXXX XXXX sent in USPS picked up Saturday XXXX/XXXX/2016 and the XXXX loan was processed on the XXXX of XXXX. The loan XXXX money order from XXXX XXXX was processed on the XXXX. XXXX are mailed same time, same address. Yet Discover Student Loans says they NEVER got the money order for loan XXXX and I am late. Third time this year on this exact loan XXXX, same thing mailed, processed at XXXX XXXX later by days and they claim they never got the money order. 

I called they told me " a lot of illegal things happen these days in the world '' while talking to the rep in XXXX XXXX XXXX, UT on Sunday. 

To which I asked how a money order mailed to them, made out ot them made out to a set account number and loan number WITH a letter made out with the instrucitons for a THIRD time on XXXX loan of XXXX loans total with them is the ONLY XXXX having this issue. That maybe someone else processed it, aka not Discover. 
Well its their office, its a pattern now, and its illegal for anyone else to be able to process that money order made out to them that is now processed on teh XXXX and not yet on the books. 

This morning I check and the payment online history shows that I now didnt pay XXXX but on the XXXX I paid that to XXXX XXXX. So whats going on here! Where is the {$75.00} they took and is processed to them.
Product: Checking or savings account

I have never banked with with this bank every time I attempt to open me an account at a branch. There is an Old consumer report coming up with a collection that I have no knowledge about. I have contacted the identity theft and fraud department in relation to these collections that I have no knowledge of. somehow the bank allowed someone to open an account in my name has not sent me any letter or knowledge in regards to this. This account has affected my personal life. I am clearly victim of identity theft and have taken the steps to support that yet this account has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX, I disputed a collections account ( XXXX XXXX XXXX ) on my Experian credit report and Experian removed it after their investigation. However, the account appeared on my Experian report again on XX/XX/XXXX, for the exact same amount ( {$1800.00} ) but reported by a different company ( XXXX XXXX XXXX ). So the debt had apparently been sold and is now back on my Experian for another 7 years because it's newly reported, even though 1 ) it should not have been there in the first place and 2 ) it had already been removed by Experian. After I disputed it the second time, Experian said the company reported it as accurate. 

Debts are sold, yes, but if if creditors are allowed to continuously sell and report a debt, then the " 7-year limit '' becomes meaningless. Certainly, once a credit reporting bureau has investigated a debt and found reason to remove it once, it should remove that same debt if it is reported again by a different company that has bought the debt.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

Transunion : inquiries XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX   ( XX/XX/XXXX ) I have contact the company to see if they can provide proof that these inquiries where authorized by me they claim it will get resolved I explain to them to send me all the proof they have none I havent see anything removed nor proof that I authorized my information to be used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX In reviewing my credit report from XXXX, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via XXXX automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX XXXX Inquiry date XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 3. XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX XXXX 4. XXXX Inquiry date XX/XX/XXXX 5. XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX Inquiry date XX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete.
Product: Money transfer, virtual currency, or money service

Chase J.P. Morgan decided to close my account after thirty days but wont tell me why. Then they are withholding my funds and wont give me a reason it was brokerage account, checking and savings
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

i have inquires that should be removed and have proof that they should be removed and equifax has yet to remove them i hope hat you can help me get them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachment letter for errors on my credit report. 


XX/XX/XXXX JP MORGAN CHASE BANK Executive Office XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX : XX/XX/XXXX Re : JP MORGAN CHASE ACCOUNT XXXX XXXX in the Amount of {$3900.00} To Whom It May Concern This is about consumer credit transaction entered with JP Morgan Chase Bank dated about XX/XX/XXXX and I extended your organization the credit for the account number XXXX. 

I hereby give your company JP Morgan Chase Bank notice pursuant to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement.

According to 15 USC 1602 ( k ), adequate notice means a printed notice to a card holder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above mention section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) A consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it is resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit.

1. Accounts deleted from All consumer credit reporting agencies 2. Monetary relief for recent denial of mortgage loan due to this billing error from JP Morgan Chase Bank. ( See attachments ) 3. Return all monies ever paid on this account. 

If you accept my request, I will not escalate this matter to federal court. In case, you dont accept the above request, a legal action shall be taken against your company for Compensatory damages. 



Thank you, XXXX XXXX XXXX