23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

RE : CREDIT COLLECTION SERVICES | ACCOUNT : XXXX  I am writing to file a formal complaint regarding a debt collection on my consumer file that is a result of identity theft. Pursuant to SectiXXXXn 615 ( f ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681m ( f ) ( 1 ) ), I am formally requesting that you  ensure compliance with the regulatory obligations imposed by the law. I also want to draw your attention to Section 30 ( b ), which prohibits the sale, transfer for consideration, or placement for collection of a debt resulting from identity theft. 

The debt in question has arisen from identity theft, and as per Section 615 ( f ) ( 1 ) of the Fair Credit Reporting Act, no person shall sell, transfer for consideration, or place for collection a debt if they have been notified under Section 605B of the Fair Credit Reporting Act that the debt has resulted from identity theft. I am requesting that you investigate this matter promptly and take necessary actions to block the unauthorized information from my account. 

Furthermore, I assert my rights under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. The Furnisher/Creditor should be able to supply an original documentation ( an original instrument of indebtedness with the autograph on it ), not to be confused with a photocopy. I am requesting a complete audit trail of the accounts in question and the Tax Registration certificate. Additionally, the creditors must provide a true certified copy ( NOT a photocopy ) of the original note or promissory note ( credit agreement ) contract binding both parties. This request is made in accordance with generally accepted accounting principles ( GAAP ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX conventions. 

Under Section 615 ( f ) ( 1 ) of the Fair Credit Reporting Act, the debt collector must cease collection activities until it has satisfied the requirements to validate the debt, including blocking the reporting of information resulting from identity theft. 

I request that your agency thoroughly investigates this matter, takes the necessary steps to block the unauthorized information from my account, and provides me with a written response outlining the actions taken to comply with the Fair Credit Reporting Act. I remind you of your obligations under the Fair Debt Collection Practices Act ( FDCPA ) and emphasize the importance of adhering to the regulations set forth to protect consumers. 

Please note I have never possessed a drivers license and wouldnt have needed care insurance of any sort! 

Enclosures : [ Include any relevant documentation such as copies of police reports, FTC reports, etc. ]
Product: Credit reporting or other personal consumer reports

I have submitted several disputes to the credit bureaus XXXX, Experian and XXXX. The only response I get back is account verified. I have asked in my letters to provide proof of what youre telling me. I also called XXXX XXXX myself and they keep giving me the run around. How can you verify an account reported on someones credit but can not provide proof that it belongs to them. XXXX was suppose to send me an email of a fraud form and I never received that as of XX/XX/2023. I need this account removed immediately Im tired of going back and forth. My next step will be to file a law suit. 

XXXX XXXX acct number XXXX.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 bulk purchase on EXPERIAN and factoring companies on XXXX that was opened XX/XX/year> under the account number # XXXX. This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint 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.

Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yot they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these negative items for months now I have been contacting all bureaus asking for answers about why unverifiable items is on my report I am trying buy a house and this has been hurting me please look at my items and removing it
Product: Consumer Loan

I neither affirm, nor deny this purported debt, you claim I owe your company {$4600.00}. On XXXX XXXX, XXXX, I contacted CNAC regarding the Credit Entry made on my credit report. I returned the vehicle to XXXX XXXX on XXXX XXXX due to several on-going issues and the engine blowing on XXXX XXXX as a voluntary repossession. When I finally was able to speak with someone regarding this debt and asked if I can do a settlement, I was told yes I can and they would transfer me to the Settlement department. When I spoke to the person in the settlement department at CNAC, I was told by them that they no longer owned the debt and it was sold and they could n't offer me a settlement due to they no longer owned the debt. I asked them why their making entries on my credit report as if they still have ownership of the debt and they told me that they can legally do that even though they do n't own the debt and ca n't offer me a settlement. I have reviewed my credit report from all XXXX credit bureaus and found that the entries made by CNAC inconsistent and possibly fraudulent throughout the last years. I also noticed that CNAC never updated my credit reports when I first purchased the vehicle of payments that I made, they only updated it with negative information. I was told when I purchased the vehicle that they help people build credit and they report to all XXXX credit bureaus monthly of payment, which is n't true. I also notice the first week of XXXX, after speaking with them on XXXX/XXXX/XXXX that CNAC removed the account from XXXX and then add it back on, as well as update all XXXX credit reports status as Volunteer Repossession, which was never listed until the week of XXXX/XXXX/XXXX. I have also sent a letter to them addressing this issue, please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been running my XXXX XXXX XXXX XXXX using the Square Inc platform for over 3 years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and most recently XXXX XXXX XXXX. My contracts, invoices, and all businesses are operated through this platform. This is how I stay organized, legal, and professional. I pay monthly to use these services and have had nothing but issues when it comes to large transactions. 

2 years ago, I had clients XXXX XXXX XXXX XXXX XXXX XXXX. They signed a contract stating they would not get a refund on their deposit as it was paid to hold their date. I attended, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and they emailed saying how happy they were with the XXXX XXXX Two weeks later I received ONE email stating my account had been deactivated and that I had a negative balance of - {$4000.00}. The client had requested a return of their XXXX for their XXXX  without any email to me, for any reason, simply to get a free service. Without a phone call, email, or opportunity to dispute this reversal and provide proof and a contract, Square Inc. reversed the payment from my account. There were no funds in my account. They refunded the client and then proceeded to tell me I was negative in my account and was being sent to collections, and that I could not operate my business until it was paid.

I ended up paying it back and closing my account. So now I am out {$4000.00} for NO REASON whatsoevermoney I was owed for the service I provided under a legally binding contract. 

Fast forward to XX/XX/XXXX - I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I take in large sums of money all the time for these services. I had a client pay his invoice via XXXX on XX/XX/XXXX, XXXX and processed on XX/XX/XXXX. I received a very odd email from Square Inc. out of nowhere saying they are putting my account under review and I will no longer have access to my money, payments, or funds until I re-verified my account. I immediately submitted my driver 's license, govt ID, and passport along with a selfie. I then received an email the next day, saying my account was deactivated there was no reason as to why, and that they were going to hold all payments for 90 days until XX/XX/XXXX. I then called Square Inc. customer service and asked to speak to a supervisor. I was told that a supervisor would NOT take my call because my account was deactivated. So there was nothing I could do, say, or solve. I just had to wait 90 days. 

Sqaure Inc. 's hold is arbitrary and capricious ; ample proof was given to validate transactions ; and after proof was provided the resolution time was unwarranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Brite Financial reported my payments delinquent however they are in violation of my rights as I never provided this company permission to report our transaction to the credit bureau which is a data mining company whos inaccurate information is effecting my life and enabling me from purchasing a home for my growing family. As remedy I am requesting you remove ALL NEGATIVE reporting from all 3 credit bureaus and report my balance as XXXX, as your company has already written this off of your ledger and your insurance company has made you whole.
Product: Credit reporting or other personal consumer reports

Pursuant to the CFPB, the definition of a consumer report is any written, oral, or other communication of any information by a consumer reporting agency that bears on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living that is used or expected to be used or collected, in whole or in part, for the purpose of serving as a factor in establishing the consumers eligibility for any of the following : XXXX credit or insurance to be used primarily for personal, family, or household purposes. 

Pursuant to the CFPB, the term consumer report does not include any of the following : XXXX. 
any report containing information solely about transactions or experiences between the consumer and the person making the report. 

XXXX, TRANSUNION & XXXX along with their subsidaires have blatantly disregarded this matter and continue to report derogatory information on my credit report such as LATE PAYMENTS and CHARGED-OFF accounts -that are transactions solely between myself the consumer and the issuer of the credit. This direct violation of the FCRA, has caused my credit score to tank/decrease more than 100 points, rendering me ineligible to apply for a mortgage and other credit related products. This matter has seriously impacted my life in a negative way, and hope to resolve this matter without seeking further legal assistance.
Product: Credit reporting or other personal consumer reports

I do not have access to my Experian Online Account as well as can't get my XXXX XXXX XXXX I contacted Experian several times and sent all my identification documents to them on the XXXX XXXX XXXX  by fax. 
Today, on XX/XX/year> I contacted Experian and seeking help to get access to my account but all support team members after hearing my issue just hung up the phone. 

I am attaching all my identification documents to this complaint and asking Experian to open access to my Experian Account. 
See also attached the letter I sent to Experian on XXXX XXXX XXXX by fax.
Product: Prepaid card

Initially I purchased a prepaid NetSpend debit loaded it and used it a few times when I loaded the app my phone, I had issues being able to access the correct card account due to previous accounts ( cards ) ; with netspend after a call with customer service during which they utilized identify verification questions from credit bureaus, account access was corrected, balance transfered to correct card and after my call with customer service ( same day ) I used the app on my phone to both correct and update personal account information specifically address email and other point of contact information as well as changing passwords and other security related information in an effort to secure my account as I had just fixed it with customer service however this apparently triggered a fraudwork on their end and I was locked out of my account have been unable to successfully verify with NetSpend because of the required documentation they request is not available to me I have been homeless for several months and have had several issues with both receiving mail and getting duplicates of cards and ID such documents that I need however at this point in time they verified my identity according to their own document service and now we're only waiting for a second document for verification of the previous address or current address I have attempted multiple times to correct this information and resolve this problem with him by submitting documents that I have I've been able to do so and I'm locked out of my account information that was necessary on the old account to the new account
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX
Product: Credit card

There were purchases made on the card that were fraudulent and they closed the card and didn't investigate at all..
Product: Credit card or prepaid card

I've contacted Kohls credit about a late payment from last XXXX. My account is current with a XXXX balance. Most of the time it's paid off right away. I was XXXX last year with XXXX  XXXX and was not able to function correctly for over a month. Didn't realize there was a late payment until I fully recovered. All I'm asking is for the late payment to be removed on my credit report due to medical reason.
Product: Credit reporting or other personal consumer reports

Reporting a credit card account not confirmed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting balance effecting credit scorez ; however, the loans are in deferment status and should report a XXXX balance negative impacting the student credit score. I am currenlty a student and all student loans are deferred for 12 months or more. My mortgage application date will conflict with my current credit score harmimg my goal to buy a home fairly. The deferment isn't due to financial hardship, lenders may not include the payment in the DTI calculation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried online disputes 3 times already and they only come back saying account was verified. I was told the account was closed but it is still showing as open. Theres a balance of XXXX with monthly payments of XXXX. Theres no way we can owe XXXX a month if the whole amount owed is XXXX. I contacted southeast Toyota finance today and they told me it wasnt their issue and I needed to call the reporting agency. XXXX, the XXXX reporting agency Ive checked, told me it was the companys responsibility. So Im just trying to get this fixed! Any help you can give would be greatly appreciated!
Product: Credit card

On XX/XX/XXXX, I tried to make reservations for a round trip from XXXX to XXXX utilizing my XXXX XXXX XXXX for a buy one full fare and get the second fare for half off. I was unsure of how to make the reservations so I called the XXXX customer service phone line. The custom service agent said to just to onto the XXXX website to make the reservations. After logging on the the XXXX website I made the reservations and paid but did not see any where on the webpage to get the discounted fare. I was charged for two full fares of {$690.00} each for a total of {$1300.00}. Upon realizing I was charged for two full fares instead of one half off, I immediately called back the XXXX customer service phone line again and this time the customer service agent told me that I had to make the reservations on my XXXX account. Due to the first XXXX customer service agent 's misinformation and being overcharged, I was told they would refund me the original two fares of {$1300.00}. I then logged onto my XXXX account and made the same reservations and this time I was charged correctly for one full fare and one half fare of {$690.00} and {$360.00} for a total of {$1000.00}. When I received my XXXX statement for billing period XX/XX/XXXX-XX/XX/XXXX, I was charged for 4 full fares of {$690.00} each and only credited for 2 full fares of {$690.00} each. I should have received credit for 2 full fares of {$690.00} each and half a fare of {$320.00}. I have written many letters to the XXXX and XXXX Customer Service Offices. XXXX did issue me a temporary credit of {$320.00} which would have taken care of the problem but then they reversed the credit stating the merchant already issued me a credit. I did not receive any credit from XXXX nor does any of my statements from XXXX show any extra credits. I am still waiting for a resolution to my problem. Also, I asked on many occasions that my credit card be cancelled and it has not been done yet and I was charged {$89.00} for the yearly fee.
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate, And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, After any reinvestigation under paragraph ( 1 ) if any 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 notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

Please see the callers voice mail transcription. Its not exactly what is listed in the transcription. However, the caller was threatening to come to my place of business and my residence concerning a complaint. I do not owe any debts. See my last complaint regarding XXXX XXXX XXXX. They are the only related business who is involved with this stuff currently.
Product: Mortgage

I receive a request for mortgage assistance package from SLS which stands for Specialized Loans Servicing, the letter in the package stated that my mortgage was in serious default. I call SLS on XXXX XXXX advising them that my account was not only up to date but paid ahead until XX/XX/XXXX. I sent XXXX by fax # XXXX my bank statement and cancel checks verifying my position. I called XXXX back on Friday XXXX XXXX and was told that my account had been adjusted and I owed XX/XX/XXXX payment I advise them that was not correct the person said they would have XXXX call me Monday. I called SLS back on Monday XXXX XXXX at around XXXX talk with a XXXX who advise me that I had to fill out the mortgage assistance forms I told him I would not fill out those form because my account is not pass due and I am not in need of their assistance he advise me they could not correct my account without me filling out those paper I refuse. My original leader was XXXX my mortgage was sold to this SLS I have never had a problem with my account being delinquent, I need for SLS to correctly applied all of the payment that I verified by fax copies that I made to them and I need them to make sure my credit reflects that I have made the payments on time.
Product: Debt collection

i did not have this bill in my name for more than 2 months. i had called them and spoke tio them and they were very rude. they said my bill was {$1300.00} in XX/XX/2016 to XX/XX/2016. i also paid money upfront.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Equifax consistently responds within 24 hours, stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Here are the accounts I marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX