23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm am disputing this debt and have filed a complaint with Washington State Attorney 's Office against XXXX XXXX XXXX XXXX XXXX   and Diversified Consultants, Inc. XXXX for Breach of Contract ; Failure to Providing Service ; Bait and Switch Sales Tactics of XXXX XXXX Contract and Billing ; not providing me with a written wet contract when asked ; unauthorized use and fraud of my digital signature ; providing only a Ipad contract which I don't own a XXXX, and Double Billing Fraud. Failure to act in good Faith by not responding under Contract Law, and Bait & Switch Sales/Billing Tactics. This is the four time I've asked CFBP for information of reported debt filled by XXXX, and they wouldn't respond ether to the Washington State Attorney 's Office ; and which XXXX drop the claim. Then I get hidden post card mail from their other collection agents, that looks like junk mail in my junk mail this one is for addressing is from Diversified Consultants , Inc. XXXX saying XXXX has filled a Debt Claim. If XXXX doesn't response to the State Attorney 's office or Federal Agency 's Complaints how can the they really be acting in good faith during the sales and service contract process. XXXX is using double billing and triple collection agency business practices buy using three separate collection agency which is against Federal and State laws. 

I'm asking XXXX and Diversified Consultants, Inc. XXXX to provide the full names and information of all Agents representing XXXX that where responsible for the negotiation of the implied legal Ipad contract and security procedures for my digital signature. Information on XXXX training/licensing program for Agents representing XXXX during negotiating legal contracts with the public and/or consumers. The Full names and Titles of the Agents representing XXXX in contracts, communications, and not abbreviated names like ( XXXX XXXX ) example. The Agents names, titles, contact information of XXXX Executive & Regulatory Services department or the department responsible for overseeing debt collection and all legal contract matters.
Product: Credit card

I opened up a dispute XXXX with XXXX through my Citi card for returned goods. I returned the merchandise in accordance with their policy and the merchant promised to refund me. Going off of that promise, I decided to withdraw the dispute because it was handled with the merchant. The merchant now is not honoring the return, instead offering to give me a merchandise credit which is not within the terms and conditions of their store. I called Citi and asked to re-open the dispute because I close it under false pretenses and they refused to do so.
Product: Credit card

I received a letter dated XX/XX/2024, from PNC bank addressed to XXXX XXXX and XXXX XXXX, who are both signers on a credit card account. The letter fraudulently stated the following : " PNC is closing the account due to unacceptable activity on another PNC account. '' This statement is untrue and libelous. I demand proof of the " unacceptable activity. ''
Product: Debt collection

Cedars Business Services , LLC has sent me multiple harassing text messages regarding a debt purportedly owed to the city of XXXX. I have never traveled to XXXX or purchased anything from the city. They have texted from numerous phone numbers, which I have repeatedly blocked. In many of these messages, they illegally fail to identify themselves as debt collectors. I think some of the communications may have been sent outside the hours prescribed in the fair debt collection practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have failed to provide me with any documentation as required by law with my signature or proof validating that I owe them for this debt. Below is a copy of the letter I sent to all three Credit Bureaus With none of them showing any proof other than they say it is so. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TransUnion TransUnion XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX Validate Account XXXX XXXX XXXX * Please remove all non-account holding inquiries over 30 days old. 


Thank You, XXXX
Product: Mortgage

I have a home mortgage with TD Bank. They are currently harrassing me, claiming that my XXXX taxes are not fully paid. This is a lie, they are fully paid and I spent time confirming this with the State of New York. I have been sent two letters from TD Bank, both asking for proof of payment. The XX/XX/XXXX letter requested proof sent to an e mail address provided. I sent that proof on XXXX. A receipt from my bank showing taxes paid. But TD Bank continues to send threatening letters, the most recent one on XXXX, asking for the same proof. I would like to stop being harassed by TD Bank and would like them prosecuted to the full extent of the law for this harassment. 
Thank you for your time. 
XXXX
Product: Money transfer, virtual currency, or money service

I bank at First financial Bank. I had send an on-line payment to XXXX  and the bank sent my payment of XXXX dollars In XX/XX/XXXX. They sent to payment to XXXX XXXX.Now First Financial Bank let me cancel account that were not being use and I did. XXXX XXXX and XXXX XXXX. Every thing was going ok and i had no problems. Until they send the payment to XXXX XXXX. I filed paper work to the bank to get my money back, and they said call XXXX XXXX. I call XXXX XXXX whom i haven't had service since XX/XX/XXXX to ask them to sent my money back. They said I had to give them a password from XX/XX/XXXX or they can not help. So off the top my head out, I said XXXX and now they could help. I had to send i lease that i don't live at the address this account was to the fraud dept. I hav n't seen them a payment for services for five years so why now. so i send it and got a respond to have a third party call to work on it in XX/XX/XXXX. 
In XX/XX/XXXX I had resolved the disputed of {$110.00} because they another account that owned {$110.00}. 
XXXX XXXX say they I own them XXXX. XXXX and they would not sent the money back. I pay all my bills to them, I never got a XXXX Bill from them sense XX/XX/XXXX, and I told i wanted my money back, and they said no. The bank wrote back saying nothing was a crime or fraud. 

The third part call was Monday XX/XX/XXXX. The First financial bank agent was from or the letter came from the XXXX XXXX XXXX. XXXX XXXX XXXX , XXXX XXXX. XXXX Ohio XXXX. The dispute number they have is XXXX. 

the lease paper I sent were Date XX/XX/XXXX. The account at XXXX XXXX was XXXX. The fraud Dept at XXXX XXXX fax number is XXXX. 

This was more than Fraud, it illegal and a crime. 

On XX/XX/XXXX First Financial Bank Credit a XXXX SSI check because I was given a provisional credit of XXXX. They took XXXX they was left of the XXXX add {$37.00} for the {$80.00} they was spent and add {$30.00} more and {$6.00}. 

Isn't these charge fraud? 

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute two fraudulent accounts appearing on my credit reports, which are the result of identity theft. I have been notified of multiple data breaches and have confirmed that I am a victim of identity theft. Upon reviewing my reports, I identified the following accounts as fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I do not recognize these accounts as reported, nor have I ever authorized or consented to the transactions or their reporting. These accounts have been included in a formal FTC Identity Theft Report, which I am attaching along with supporting documentation. 

Additionally, these accounts contain inconsistencies and inaccuracies, including what appears to be the falsification of the " date of last activity '' to artificially prolong their presence on my reports. This misrepresentation is fraudulent and violates the Fair Credit Reporting Act ( FCRA ).
Product: Vehicle loan or lease

My ex wife 's mother I co-signed a loan for a vehicle and she is ruining my credit because she is consistently failing to make payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission. I have NOT given that authority to XXXX XXXX.

15 USC 1666 ( B ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion regarding their failure to respond to my dispute letter. On XX/XX/year>, I mailed a dispute letter to Transunion via certified mail ( tracking # XXXX ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

To assist Transunion in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill showing my current address. Despite this, I did not receive any response or investigation results from Transunion. 

Under the Fair Credit Reporting Act ( FCRA ), Transunion is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Transunion has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my dispute.
Product: Mortgage

I attempted to access my account after my mortgage was sold to ShellPoint Mortgage ( NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX ) and have been unable to do so with the up to date and accurate information disclosed in a letter sent to my home. I have followed all avenues listed on their website, attempted to communicate with them through alternative platforms ( XXXX and XXXX ) as well as call their multiple numbers listed. I have been hung up on twice and after a brief XXXX search have found that many, many others have had a similar experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report it appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Please block/remove these items : XXXX XXXX XXXX XXXX, IL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. 
I am listing all the items below which are needed to be removed according to the Identity Theft reason or according to my request and reason attached with every account : Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern I have sent Multiple Inquiry removal letter on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX via Certified mail to XXXX, Experian and XXXX. The request I submitted included information on 45 inquiries ( Experian ) 49 XXXX XXXX XXXX and 25 ( XXXX XXXX Inquiries that were all not factual and I received the same response for all inquiries which was 'Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor ''. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigated and respond the CRA must delete the disputed information from its file. I also disputed accounts that are unverified and inaccurate but are still being reported to my file. I plan on purchasing a home in the near future and I fell the actions that are being taken regarding my disputes are an unfair practice by a credit reporting agency for the credit worthiness of a consumer.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2024 I requested two separate transfers, one for {$940.00} ( Attachment " Paypal1.pdf '' ) and one for {$1200.00} ( Attachment " Paypal2.pdf '' ) from my Paypal account to my XXXX XXXX  account, and the transfers were completed, according to the above attachments, on XXXX XX/XX/2024, further confirmed by my online bank history ( Attachment " XXXX '' ). 

As you will see on the attached online bank history ( Attachment " Paypal3.pdf '' ), on XXXX XX/XX/2024 the above-referenced transfers were " reversed '' by Paypal and those funds are now missing from my account. I called XXXX XXXX  and the representative I spoke with indicated that the transfer was " reversed '' or " cancelled '' by the merchant, Paypal. 

I have unsuccessfully attempted numerous times to reach a live person to speak with at Paypal and I have only been able to " chat '' with different representatives who tell me there is no record of the transaction being reversed or cancelled and that Paypal does not have my funds. The last statement I have from Paypal, 5 days after their reversal or cancelation, indicates, " XXXX XXXX. Your conversation is now escalated to XXXX Desk and my name is XXXX. Upon checking your account, I can see that we have requested that the funds be returned. This does not guarantee that the funds will be returned by the bank. If the request is successful ( if funds removed from your bank account ), the transaction will be reversed, and the funds will be made available in your PayPal balance in XXXX  days at the earliest. I really appreciate your patience and understanding in this matter. ''
Product: Credit reporting

Credit inquiries were previously disputed and deleted from my credit report. I check my report and found that the deleted inquiries were re-entered. I made several calls to Transunion and the representatives that I spoke with admitted that there was a glitch in their system. I was transferred to their " special handling department '' to get my request fulfilled, they advised that they will handle, confirmed that the items would be removed and nothing ever happened.
Product: Bank account or service

My checking account was charged XXXX overdraft fees over a period of time of approx one week because of an overdraft that then cascaded into fee after fee after fee because of negative balance transactions in the account. XXXX fee? fine. XXXX or more fees fees is not fair. I asked the bank to refund some of the fees, they refused because I have had fee reversals in the past. However they did not care that the fee reversals were because my account had been hacked. They said my account is " ineligible '' I looked into the history of my account and there was a period where I deposited money to try to correct the situation, but all the fees have eaten up all of that that it all started again ... .there are at least {$200.00} IN FEES AND I DID N'T EVEN HAVE XXXX $ to my name during that period. 

The bank also only sent me an email alert today XXXX XXXX, of an overdrawn account ... while for days I have been racking up fees. And never was there an alert that I was getting continual fees.
Product: Debt collection

I have sent several certified letters since XX/XX/XXXX to Lanier Collection Agency for debt validation of a debt that's being reported to XXXX for {$170.00}. I have not gotten a response from any of the letters that I've sent. I contacted the company on XX/XX/XXXX to pay the amount of the debt and ask for it to be removed once I paid the entire amount. I was placed on hold and told that I had 4 accounts with them and that they would not accept the payment to remove the debt until I paid all 4 which totaled to {$1000.00} ( not sure the exact amount ). Only one account is reporting on my credit report. I called to pay that one since I can not get validation of the debt. I was also told that they had spoken to me on several occasions about the debt and when I ask when because I did not recall, I was given a date of XX/XX/XXXX. The company refuse to accept the payment to remove the collect or to validate this debt, so I demand that it be removed from credit report and that they do not report any other collections that are not being reported. I was told that on XX/XX/XXXX they reported additional debts and as of XX/XX/XXXX the only debt that I'm referring to is showing on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, on XX/XX/2021 when I attempted to create a profile on Kabbage, WITHOUT my consent they pulled my credit report. When I called and spoke to someone at Kabbage corporate office to explain that I didn't give my consent to run my credit they told me it was nothing they could do and to contact XXXX to have the inquiry removed. The company information is Kabbage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
You can contact me at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Request for Detailed Account Investigation Description and Legal Basis Account Number : XXXX  To Whom It May Concern : I am contacting you regarding the account referenced in the reference number above and, more specifically, regarding the response you provided in reference to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ).

Pursuant to my rights as a consumer under the following federal laws : Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) Gramm-Leach-Bliley Act ( GLBA ) Consumer Financial Protection Bureau Regulation V I am formally requesting a detailed description of the investigation PRA has conducted regarding the account ending in XXXX ( full account number : XXXX ). Specifically, I am requesting that I be provided with : A step-by-step description of the procedures used to investigate the validity of the debt. This should include the specific documents and records reviewed by PRA.

The legal and regulatory bases PRA relied on to validate the debt. This includes how PRA verified the balance, the legitimacy of the debt, and its legal ability to collect the debt. 

Any additional documents provided by XXXX XXXX XXXX XXXX at the time of the sale of the debt to PRA. This includes any original contract, transaction history, and any relevant communication documents related to the account.

The legal and/or regulatory basis under which PRA continues to report the debt to the credit reporting agencies. Pursuant to the Fair Credit Reporting Act, all reported information is required to be accurate and verifiable, so I request legal justification for the accuracy of the report. 

I request that this information be provided to me in writing within 30 days of receipt of this request, in compliance with applicable federal laws. If I do not receive an adequate response within this time frame, I reserve the right to take any necessary action, including filing additional complaints with the appropriate agencies or seeking legal counsel. 

Thank you in advance for your cooperation. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have contacted XXXX XXXX XXXX every week since XX/XX/year>. 
They have failed to send me the lien release letter. With each phone call they advised they would resend the letter and to date I have nothing from them. The loan is now paid for over 60 days now. I have contacted the local XXXX XXXX XXXX XXXX and the advised that XXXX did not electronically release the lien.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally notify you that my identity has been stolen, and despite taking the necessary steps to address the issue, no resolution has been reached after more than 30 days. I have taken the following actions to rectify the situation : I have contacted all three major credit bureaus ( XXXX, XXXX, and TransUnion ) to report the identity theft and requested that they take immediate corrective action on my credit report. 
I have filed a formal complaint with the Federal Trade Commission ( FTC ) and created an Identity Theft Report through the FTC 's identity theft process. 
Despite these steps, the fraudulent information remains on my credit reports, and no resolution has been provided. It has now been over 30 days since I initially reported the identity theft, and I am seeking your assistance to expedite the deletion of all fraudulent accounts and information from my credit file. 

Please take immediate action to ensure that my rights as a consumer are protected, and that my credit report reflects accurate information. 

Thank you for your urgent attention to this matter.