23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am being contacted and harassed by CFM Group in XXXX, GA re : debt collection on behalf of XXXX XXXX ( Uniform services provider ), which I do not owe. I bought a business in XXXX XXXX and had been getting uniform supplies from XXXX till XXXX XXXX, XXXX. There was no contract signed with XXXX by us. We decided to stop the services effective XXXX/XXXX/XXXX due to cost issues. A letter stating about termination of services was sent by mail to them. We did pay all the dues for services received from them. Last statement XXXX/XXXX/XXXX for {$61.00} was paid as well. They sent another invoice XXXX/XXXX/XXXX ( though no more services were received after XXXX/XXXX/XXXX ) stating that we owed them {$1300.00} ( with no explanations for charges of {$1000.00} in that statement ). Note : Weekly bills used to be around {$60.00}. They started harassing that previous owner had signed a contract and that i am responsible for it too. I tried to clarify that I have never signed a contract and thus have the right to cancel it any moment. I wrote them few letters but they never got back to me about explanation of charges. Now CFM has been contacting me with a bill which is 3 times higher the original demanded amount more than {$3000.00} claiming that these include their fees. Not only that the numbers that they provide me with on the phone ( which they claim were on the statement ) does not even match the one on my last statement sent by XXXX. The representative keeps on calling 2-3 times a day during business hours demanding for our credit card number. He does not want to provide any explanation for charges and uses very harsh and threatening language when we try to say anything about justifying the charges. He keeps on making different offers to settle it though I do not owe them anything. But his harassment continues. I request you to help me getting out of this harassment and close this matter with all due fairness.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the above-referenced account under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have reviewed my credit report and believe that the reporting of this account is inaccurate, incomplete, or unverifiable.

Under the FCRA, I am requesting the action : Verification of the Account If this account is accurate, please provide documented proof of the original contract, payment history, and all records related to this debt. 
XXXX XXXX XXXX XXXX : {$28000.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY 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. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Opened charge card in XX/XX/2023. Charged in XXXX but did not receive charge card or any communication from the store regarding charge card or payment process to pay due to XXXX XXXX does not handle the XXXX XXXX in-store. Was told they did not even have the information to give me on how to contact the charge card company. Finally, after 4 visits I was given the name of Comedity bank for payment. I paid the first bill and then the second. But had not used the card again due to the extremely ridiculous payment process. On XX/XX/XXXX, I called Comedity and had the account closed. At that time, the bank said there was a XXXX late fee on the account and she would remove the fee due to it being a late fee. I asked her how there was a late fee when the card was not used and she didn't know. The card was closed by me in XXXX and according to my credit report XX/XX/XXXX, the card was no longer operational. Imagine my surprise to open my XXXX XXXX  and see XXXX XXXX stating I owed {$95.00}! After the circle and looping of multiple calls. I finally was told that I was charged another XXXX in late fees and since I did not pay that along with finance charges on a XXXX balance, I am now being charged XXXX the some other kinds of charges. This is an outrage. First I don't get the charge card or a way to pay the bill, then they charge me for being late, which I was not, and then charge late fees and finance charges on late fees and finance charges.
Product: Debt collection

This debt is almost XXXX years old. I was never sent a billing statement or contacted in any way in regards to this debt. The only way I found out about it is when it hit my credit report yesterday XX/XX/2020 from Nationwide Recovery Services. The original consumer ; XXXX XXXX XXXX XXXX XXXX, has multiple dates of service that were billed to my insurance correctly yet they have XXXX that was billed to the WRONG insurance that I was never aware of. They sold the debt over a year ago to XXXX XXXX  : Account # XXXX who then sold it to Nationwide Recovery and something I never knew about till today when I called around asking. And now the collection agency has damaged my credit report for something that was not my fault. This debt should have been fully covered with my insurance but because I did not know about it I could not get it resolved earlier and now the collection agency is telling me they cant do anything about it and want me to pay them. The original consumer already sold the debt and will not help me resolve the issue their employees made. I do not know what else to do. I lost XXXX points off my score over something that should have never happened.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that Equifax shows a XXXX account XXXX, an auto loan as a " chargeoff '', when it has been paid in full. The account has a {$0.00} balance and should show " Current/Paid as Agreed ''. 

XXXX XXXX XXXX Equifax Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$0.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off account Auto Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERICOLLECT INC 1XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I've always made sure payments on this account are on time, never letting them become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Money transfers

Somebody called from XXXX posing as police and threatened to arrest and XXXX despite having XXXX status. Then transfer the call to saying XXXX officer calling from a number listed on XXXX website as toll free number ( XXXX ). They took our all identity information including SSN. Then the posing officer said we were tracked and all our bank passport were frozen now and bank account were frozen. Then he said he talked official in our home country and as our background clear in US he ca n't put us behind bars and the XXXX govt has to do the background check and let them know within 3 days. But to do the background check XXXX govt wanted {$2400.00} as refundable security deposit. We were told to deposit the amount within XXXX hour as office is going to close and only moneygram can make it possible to transfer within XXXX hour. We panicked and did XXXX transfer. After depositing we realized about the fraud and complained to police in XXXX. The complain DC # XXXX. I called moneygram to cancel the transaction ( ref # XXXX ) and report the fraud, but they could not do anything about it as money has been picked up. Please help us to get the money back or bring these criminal people to trial. 
There are many cases like this involving moneygram. They should change their policy in favor of senders.
Product: Payday loan, title loan, or personal loan

Upon opening an account with Upgrade, I was provided a " Truth in Lending '' document. This document states what my monthly payment should be if I were to utilize the maximum amount of credit extended. I have not utilized the full amount, nor has my interest rate changed from when the " TIL '' was provided. Despite this, I am being billed at a higher monthly statement that what was provided on the " TIL ''. I have never missed a payment, and have on occasion, paid more than the minimum. I reached out to customer service and spoke with XXXX. I explained that I feel my monthly statement is being calculated incorrectly. She was able to view the uploaded " TIL '' document on my account and verify the numbers I was provided. She was unable to provide a valid reason as to why my bill is being calculated higher than the maximum amount provided on the Truth in Lending statement. 
She stated that if I immediately maxed out my card at XXXX, then my monthly amount would be what is provided on the " TIL '', however, since I did not utilize the full amount, the amount is different? That is not how the Truth in Lending Act works, and something is wrong. Upgrade has NOT contacted me back with a supervisor despite filing an official complaint with XXXX.
Product: Credit reporting or other personal consumer reports

I Put in a dispute for a XXXXXXXX XXXX account for ALL THREE credit company 's due to fraud. in XXXX everyone removed it from my report ; however, Transunion added it back to my report and says that it is valid when it is NOT. I have been fighting with them over this for over a year to remove this from my report. 

They removed it and then added it back and REFUSED to allow me to continue to dispute with them stating that I can't dispute the same account for the same reason. 

I have tried to find my credit report from when it was removed, but copies of my older reports have expired, and I can't find them online and all my previous dispute records have been deleted by the company, so I don't have access or proof. 

please remove this from my report.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Requests To Whom It May Concern, I am a victim of XXXX.The Information listed below, which appears on my credit report, is the of that XXXX, XXXX  XXXX XXXX Date inquiry XX/XX/XXXX XXXX Date inquiry : XX/XX/XXXX XXXX Date XXXX XXXX XXXX XXXX Date inquiry XX/XX/XXXX XXXX XXXX  XXXX, Date inquiry XX/XX/XXXX XXXX : XXXX XXXX XXXX  Date inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX Date inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date inquiry XXXX XXXX. XXXX Date inquiry XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX. XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX. XXXX XXXX  Account XXXX XXXX XXXX. XXXX XXXX XXXX Account Number XXXX XXXX. XXXX XXXX XXXX Account Number XXXXPlease block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notifications of the actions taken. I appreciate your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws.

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
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

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
List : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Account # XXXX XXXX XXXX XXXX account # XXXX XXXX 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 letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I had got chime had XXXX and loss my job I miss a few payment I try too reach out too da company to get a 1 time good will adjustment but they said no
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts must be DELETED. TransUnion has NOT send ANY PROOF OF VERIFICATION or ORIGINAL DOCUMENTS with SIGNATURE OR ORIGINAL CONTRACT of these accounts. TransUnion is violating my consumer rights by reporting false information on my credit report. 
These accounts below must be deleted. 

1 ) .XXXX XXXX XXXX Account XXXX XXXX Balance : {$1900.00} ( This account is reporting for more than 10 years ) Must be deleted 2 ) XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$9100.00} ( This account is reporting for more than 10 years ) Must be deleted These XXXX accounts listed above Must be DELETED. TransUnion is reporting these accounts for almost 10 years now on my credit report. I have sent multiple documents in mail to TransUnion showing that these XXXX companies DO NOT HAVE ANY ACCOUNTS on file with my name on it or any documents with my signature on it. TransUnion must Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years now. By LAW, the credit bureaus are only allowed to list negative items for a certain amount of time. These accounts MUST BE DELETED NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I noticed that Experian had failed to do their due diligence in keeping my consumer report fair and equitable to me and protecting my privacy, as required by Congress, and prior to receiving information about my rights from XXXX and them correcting all the errors in my consumer file, but there had been numerous inquiries furnished on my consumer file without without any permissible purposes and prior from previous correspondences no proof as of XX/XX/2022 has been provided permissible purposes to support the XXXX inquiries that have furnished on my consumer file pursuant to section 604 of the Fair Credit Reporting Act ( FCRA ). Furthermore, XXXX has violated the Fair Credit Reporting Act ( FCRA ) section 611 by failing to conduct a reasonable investigation as required by the above-mentioned section, by the information not being corrected, and by merely parroting information from the furnishers, not to mention that prior to the definition of a consumer report pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ) / '' - the term " consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also nothing under the FCRA REQUIRES a creditor to report negative information. Any late payments is being furnished without any lawful authority and is a violation of 15 USC 1681s-2 ( 7 ) ( E ) And as mentioned above a Consumer report does not include transactions and experiences and thru Experian actions my consumer report has not been fair and equitable to me as pursuant to 15 USC 1681b and has done nothing but call distress and significant damages to my livelihood so I pray you up hold you duty in respecting and following the law and doing all acts in good faith and if there is a breach of this good faith clause and thing you say can and will be used against you in the court of law