23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PG & XXXX has sent not one, but two debt collectors after me for the same debt. I have reached out to XXXX XXXX XXXX XXXXo let them know that it's fraudulent to share my identity, social, or otherwise ruin my credit. They have not responded to my email and it's been 30 days. 
They first sent XXXXXXXX XXXX after me, and that has been deleted from my credit report because they couldn't validate the debt. 
Months later they send I.C. SYTEMS INC after me as well. So as far as I'm concerned the debt has been paid in full twice by two different collection agencies. I do NOT give utility companies my social security number because it's against the law for them to ask for it. They are harassing me, and hurting my financial well being, and credit score. VALIDATE THE DEBT, or I will file a complaint with IRS, and SEC.GOV Due to the " The privacy Act of 1974 '' they may NOT share my personal information with anyone, company, or otherwise. 
Account number XXXX The so called debt is for {$850.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ), you XXXX be liable for your willful non-compliance.
Product: Debt collection

I first contacted Collins Asset Group by certified mail ( XXXX XXXX XXXX XXXX XXXX ) in XX/XX/2019 requesting that they send me documents to prove the debt for the amount they were claiming I owe. This letter specifically asked for the SURPLUS AND DEFICIENCY NOTICE and their authorization/license with the Texas OCCC being that they are now the holder of the retail sales contract because that is a state requirement. Collins responded by sending the sales agreement but they DID NOT send the Calculation of Surplus and Deficiency Notice as requested and is due to me upon request within 14 days of getting such notice as said by both federal and state laws, UCC 9-616. 

I then sent a second notice ( via certified mail receipt number XXXX XXXX XXXX XXXX XXXX and received in their office XX/XX/2019 ) saying that they ignored my request for this information, and Collins has yet to respond giving me what I asked for.
Product: Debt collection

BHA Services sent a text message to my personal cell phone trying to collect a debt from my deceased mother. She has been dead for XXXX years. I personally paid all of my mother 's outstanding debts through CA probate process. This company should be severely fined for their disgusting, deceitful, illegal trade!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this public record immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I as a consumer have the right to privacy and Transunion has violated my right to privacy by furnishing private credit information under my name without my written consent or without authorization by a competent court having jurisdiction. Transunion was sent my proof of identity, identity theft report, and identification and a statement of what the law requires. They are required to black and delete these accounts within four business days of receiving my notice.
Product: Credit card or prepaid card

In XX/XX/2019 I applied online for a balance transfer for {$8400.00}. Upon applying I was told the credit card had been approved. The approval did not disclose any other information about the approval. I never received any other documentation about the approval. Finally, a month later I received the card in the mail. Upon registering the card online, I found that a balance transfer had been done for {$3800.00}. I immediately called Fifth Third bank. The customer service rep over the phone could not give me any details about the transaction. I reported this transfer as being fraudulent because I had no idea what this amount was and Fifth Third bank could not give me any details. About 2 weeks later, I then received a letter from Fifth Third that they had completed my request for a balance transfer for {$3800.00} and submitted it to XXXX  XXXX XXXX. I NEVER requested {$3800.00}, therefore, I'm not sure why Fifth Third took it upon themselves to process an amount that was not requested or applied for. I would have preferred them to just turn down my credit card application if they could not approve it for what was applied. Now they are charging me a balance transfer fee of {$150.00}. I have had a credit balance at XXXX  XXXX XXXX for over a month now for the {$3800.00} that Fifth Third Bank sent and I have been trying to get Fifth Third to void that transaction and reverse the {$3800.00} from XXXX  XXXX XXXX. I was told they could not do that. I then contacted XXXX XXXX XXXX and requested they mail me the {$3800.00} credit overage so I can send it back to Fifth Third Bank. I was told by XXXX  XXXX XXXX that is would take 7-10 business days to get the refund check. 

They didn't even contact me with an counter offer. Why would I want to pay {$3800.00} on a credit card with a balance of {$8400.00} and create 2 bills. That defeats a purpose of a balance transfer. Also, if they would have advised me up front that I was only approved for {$4000.00} I would have let them known that I was not interested.
Product: Credit card

I was charged on XXXX for another year for a XXXX subscription, even though I have never allowed auto renewals on my account. 

I have gone rounds with XXXX & PayPal Mastercard to no avail at getting this rectified and my funds returned. 

With PayPal Mastercard, I can not get past the inept CSRs! I have tried four times to file a chargeback to no avail. What part of I did not authorise this, but yes, I do recognise the company does no one understand. OH, wait a minute, none of the CSRs are American Now we know the issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting I owe them XXXX + on my mortgage I do not owe them that type of money they are not The Originators of my loan I dispute that amount and what they're doing to me I've been trying to refinance this house for the last three years and they have been dragging my credit score down awesome the vehicle that appears on there from XXXX XXXX has been returned since XXXX of 2020 there is no rears there is no balance the vehicle has been returned and there's a few other things that are being in accurately reported and I'm trying to move forward in a credit world and they're making this impossible when I have children that I have to maintain thank you for your time
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 loans, credit cards, and any other accounts from XXXX XXXX with a balance of {$1300.00}, XXXX XXXXXXXX with a balance of {$0.00}, XXXX XXXXXXXX XXXX XXXX with a balance of {$200.00}, XXXXXXXX XXXX XXXXXXXX XXXX with a balance of {$860.00}, XXXX XXXX XXXX with a balance of {$9500.00}, XXXX XXXX XXXX XXXX with a balance of {$900.00}, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 XXXX  [ Enter Complaint XXXX  from FTC report ] 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 or other personal consumer reports

I would like to dispute the inaccurate personal information currently listed on my credit report. Upon reviewing the report, I noticed discrepancies in the details under my personal information section. These errors may include incorrect names, addresses, phone numbers, or other personal identifiers. Such inaccuracies can potentially lead to confusion or even affect my credit standing.
Product: Checking or savings account

XX/XX/year> : While attempting to pay a vendor through my bank JP Morgan Chase using XXXX, my banking activity was giving me a pending status, the money was not withdraw from my account, I called Chase twice asking about this pending status and the two times I called Chase the banks representatives on both occasions state that Chase for security reasons canceled the transaction. I went ahead and pay the vendor from another bank account, to my surprise on Monday XX/XX/year> this money was withdraw from my account and I ended up paying twice for this invoice which in top the vendor never refunded me the money he received from Chase. 
After XXXX months going to Chase branches, calling the customer service number and asking them to reverse and listen to the call audios as all their calls are recorded and this transaction cancelation confirmation its recorded they never assisted me regarding this matter that clearly was a mistake on their end when they stated they as Chase canceled this transaction. Any assistance this agency can provide regarding this matter will be highly appreciated
Product: Debt collection

I received a letter dated XX/XX/. From a debt collector. Waypoint resources It says I have a debt from XXXX XXXX. This is false. I called them Waypoint resources on XX/XX/XXXX and stated that. They proceeded to not let me speak and in the letter it said quote ''. Call or write us by XX/XX/XXXX  to dispute all or part of this debt. If you do not, we will assume this is your debt ''. I forcefully stated this was not my debt but the lady kept interrupting me and would not let me speak until I had to just talk over her and told her to record this. It did not say just to mail it but also I could call. They reported it to the all 3 credit bureau and now it's on my credit record. I also told them to never call me again about this matter. They have repeating called my work phone and personal phone now. Here is the information. reference number XXXX account number. for waypoint. XXXX The said debt amount is {$220.00}. which is not mine nor do I claim it. 
Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX XXXX Ut. XXXX. This is the address not he letter. However the address on the credit report is Is out of Texas. 
Please make note of both. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX
Product: Debt collection

I have a old debt that was sold to a collection agency apparently. I have been harassed by this company and stopped contact. I submitted a debt validation letter and only received the balance this company is falsely reporting to all credit agencies. There is no validity of when they acquired the account or how they are calculating the amount I owe. I have no record of the repo sale in the document. I do not trust this company.
Product: Bank account or service

Went into branch XXXX/XXXX/15 ; made cash withdrawal of {$610.00} before XXXX ; next evening, XXXX/XXXX/15 after XXXX called auto system to check balance ; I was given an amount of over {$600.00} by the automated teller ; was assured by customer service agent that the amount of the balance quoted was correct and it was from my employment ; transactions were made ; I was charged overdraft fees all because someone in the branch did not do their job correctly and I was led to believe this money was available. If cash is withdrawn from an account, how can it still be there? I thought it was a bonus ; I do get bonuses from my employment. The amount of overdrafts reached an amount that was more than my next paycheck. The bank did take responsibility for part of the overdrafts but the fact still remains that I had to pay for someone else 's mistake. Why would it take over 24 hours for a cash transaction to post? My guess is someone was not paying attention. 
Just the month before I went to the same branch office and asked to withdraw the same cash amount from my saving. The same teller withdrew money from my checking account when he/she could plainly see that the amount requested was not in my checking account! I 'm standing right there. Could n't she have just checked with me to make sure it was the correct account? That time also I called to check my balance the next day and found my checking account overdrawn! This time when I spoke to a customer service agent I was able to transfer the proper amount of funds from savings to checking to cover someone else 's mistake.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Address listed below doesn't belong to me and I have Never lived at the address listed below. Please Delete it from my credit report once and for all! 
Unknown Address - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Checking or savings account

I filed a dispute & the next day they credit my account for the funds that got stolen but now they locked my account and I can't get into my majority account to use my phone.
Product: Credit reporting or other personal consumer reports

I never gave the credit card company the express, implied of written consent to publish my proprietary information on any credit agency, Bureau, or Data company. I ask them to correct the error and my account was closed without notice.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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  Account Number : XXXX and the rest.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite my submission of clear and compelling evidence demonstrating the inaccuracy or unverifiability of certain accounts, Experian has neither corrected nor removed the disputed items. This failure has resulted in ongoing harm to my credit standing, directly violating my rights as a consumer under federal law. 

Notably, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic failures in its dispute-handling process, including its failure to forward consumer-provided evidence to furnishers, its acceptance of unreliable responses from data furnishers, and its inadequate notification to consumers regarding dispute outcomes. These allegations align with my personal experience, as Experian has disregarded the evidence I provided and failed to conduct a reasonable reinvestigation as required under the FCRA. 

Given these serious legal and regulatory concerns, I am formally requesting immediate corrective action to remove the disputed accounts in compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

How is Experian telling me if I have relevant information? As a consumer, I am demanding that they show me evidence. What documents Experian are you using to say that everything in my credit profile is reporting correctly?
Product: Credit reporting

I have never lived anywhere outside of New York State nor have i ever worked or used any address outside of New York State. Recently i had an issue with Identity theft and i had the the issues resolved but the address of some of those fraud accounts is still present.
Product: Checking or savings account

I couldn't open a checking or savings account or mutual fund the reason is a bad credit and money owed to the bank
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 XXXX XXXX : # XXXX, Account XXXX : # XXXX, Account XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX : # XXXX, Account XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX  : # XXXX, Account XXXX XXXX XXXX XXXX : # XXXX, Account XXXX  : # XXXX, Account XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, has violated my rights. 


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: Vehicle loan or lease

On XX/XX/2023 @ XXXX XXXX, I called to get an official Payoff on an auto loan ( XXXX ) I have with US Bank and spoke with XXXX XXXX ( wont give me her last name ). XXXX XXXX completely disregarded the privacy laws and insisted on knowing the reason for a payoff. I told he that it was none of her business to know the reason as to why I need a payoff. She refused to give me the payoff. I asked for a supervisor, XXXX XXXX, ID XXXX, came on the line and rudely refused to give me a payoff as well unless I also provided her a reason for the payoff and refused to send me a payoff document. I asked how to file a complaint, XXXX XXXX advised me that I will have to do it through her. XXXX XXXX advised me that she will file it on my behalf, and gave me a complaint reference # XXXX.
Product: Credit card

My complaint is with Capital One Credit Card Company. I called them to issue a Block Payment Request on a Company. After 16 days the with XXXX payment Request was not in effect. A second call resulted in a promise that the XXXX payment request was now in effect. After a period of XXXX more days the Request was still not in effect. A XXXX call on XX/XX/2024 to supervisor " XXXX '' who stated that the only way for a Block payment Request to be produced was that I had to " dispute a charge '' by the merchant. I could not comply with this request as the charge was legitimate. My only reason was that the company could not be contacted to cancel an auto-renewable order. An on line recorder stated the company was experiencing a high volume of phone calls. " XXXX also explained that I could not contact any one else about my issue. He was the final step. His supervisor was a XXXX XXXX who did not accept phone calls or contact. Also, ' '' XXXX XXXX said that he could not give me an address of their legal dept. as he did not have any information about this part of the company.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered XXXX  XXXX XXXX reported my mortgage account as closed, in a derogatory status and that no payments have been made since XXXX of 2015, all of which is incorrect. Despite multiple calls to XXXX and multiple promises that this would be corrected, XXXX refuses to correct the information or update my credit reports.