23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently checked my credit and saw this company had popped up and reported like 6 times at once. So I called the number I was given online. When they answered they just said XXXX, I said I'm trying to reach DRS. he then said oh okay let me give you another number. He then came back and said I'll transfer you so I said okay. The next guy answered the phone XXXX, and said who is this I stated again I was trying to reach DRS Debt Recovery Systems, then he said ' how did you get this number '' I said I was transferred. So I proceeded to question the errors on my credit report. He didn't have any of my information and was asking for my full social and birthday and my address. I didn't give him any of that. I told him he could verify it with my telephone number if he needed to or my email. Then he said ' your going to tell me how to run my XXXX business. Right then I knew this had to be some type of scam. I would like this removed from my credit immediately, I had my phone on speaker and 3 of my other co-workers heard the conversation and were shocked. I called the company that they listed they were collecting for and they have no clue as to why this company is contacting me. They could not validate any of my information so i did not confirm anything, and using profanity is violating FDCPA
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation, Dispute Report XXXX from Experian. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late. Account : XXXX XXXX XXXX XXXX all accounts says XX/XX/year> 90 days late. It appears 12 times reporting late, no record of 30 or 60 day late, just 90 days.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fun Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

XXXX XXXX # XXXX {$89.00} XX/XX/XXXX, XXXX  {$26.00} XXXX, XX/XX/XXXX XXXX XXXX  {$18.00} XXXX, XX/XX/XXXXXXXX XXXX XXXX {$12.00}, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$130.00}, {$28.00}, {$110.00}. THESE CREDITS WERE REQUESTED VIA THE DIRECT EXPRESS DISPUTE SYSTEM, I DID NOT RECEIVE AN ANSWER. I HAVE SUBMITTED all information to Direct Express XXXX XXXX  ( XXXX ) XXXX. I am refused service from this bank. These merchants have provided substandard products & services or the charge is incorrect. I want full credit for all transactions noted here.
Product: Money transfer, virtual currency, or money service

I am writing to inform an express my concerns regarding Zelles handle of disputes particularly in light of the recent cfpb lawsuit highlights significant issues with the platform despite using Zelle numerous times and report and discrepancies my financial Institute and Zelle failed to investigate my claims adequately they informed me that recovering the lost funds was impossible and that tracking these transactions was unfeasible dam neglect to protect their consumers
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint to inform you of my unfortunate experience as a victim of identity theft. In accordance with FCRA Section 605b, Credit Reporting Agencies are required to expunge any items listed on an identity theft report, specifically under my reference # XXXX. Enclosed are the documents intended to facilitate the removal of inaccurate information and inquiries currently being reported on my credit files. The following is a list of inquiries and inaccurate addresses that neither belong to me nor were opened with my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the file of a consumer identified as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/2024, at XXXX, I received a call from XXXX regarding a suspicious transaction of {$400.00} from XXXX. The caller introduced himself as XXXX XXXX, a senior fraud specialist. He asked for my name, date of birth, social security number, driver 's license number, email address, and password. He sounded reassuring and stated that he was there to help. After the call, I was trying to make an online purchase, but it kept declining my payment method. I also received an email stating that I had an overdraft of {$400.00}. My bank texted me that it had declined a suspicious transaction on my credit card. I immediately called my bank, Bank of America, to report the fraud. They had confirmed that my credit card was used for a {$400.00} transaction, and a {$400.00} transaction was used to send money through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to all 3 credit bureaus 10 times each so that they can investigate the 100 % accuracy of the reporting of the account in question ( XXXX XXXX XXXX XXXX XXXX ) ... .each time it comes back verified ... ..How can they say that this is verified if the reporting doesn't even match all the way across all 3 bureaus as is required by law? They are not in compliance ... .they are not investigating the reporting ... .i have attached a copy of the 3 bureau report so that you can see the discrepancies in the reporting XXXX is reporting a balance of {$13000.00}, Experian is reporting {$13000.00}, and XXXX {$13000.00} XXXX is reporting a past due of {$13000.00} Experian is reporting {$13000.00}, and XXXX {$13000.00} XXXX is reporting a high credit of {$9800.00} Experian is reporting {$9800.00}, and XXXX {$7000.00} Also take a look at the inconsistant reporting in the 2 year payment history and thats just to name a few violations ...... 

This was a " charged off '' account that was sold to a collection agency and is still reporting a balance that is a violation This was a " charged off '' account that was sold to a collection agency and is still reporting a past due that is a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX & XXXX ( XXXX Creditor : XXXX XXXX XXXXXXXX XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian XXXX XXXX XXXX  XXXX, Tx. XXXX Subject : Dispute of Unauthorized Access to My Credit Report Under 15 U.S.C. 1681b Dear Experian, I am writing to formally dispute and request an investigation into an unauthorized access or furnishing of my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer reporting agencies are prohibited from furnishing a consumer report without the consumers written consent or a permissible purpose as defined by the statute.

After reviewing my credit report, I noticed an inquiry or account that appears to have been accessed or furnished without my explicit written authorization or a permissible purpose as outlined under federal law. I have no record of providing consent for such access.

Please provide the following : 1. Documentation or proof of my written authorization permitting this access to my credit information.

2. A detailed explanation of the permissible purpose under which this access or furnishing of my information was allowed.

If you can not provide evidence of my authorization or a valid permissible purpose, I respectfully request that the unauthorized inquiry or data be removed from my credit file immediately.

As mandated by the FCRA, I expect this matter to be investigated within the required 30-day timeframe. Please confirm receipt of this letter and provide updates regarding your investigation. 

If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies to protect my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Collection Bureau Of FWB Has been sending me collection notices. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature..
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Title 15 chapter XXXX, I am a federally protected consumer a natural person, the administrator and the original creditor according to 15 USC 1602 ( f ) ( e ) and I am the person who regularly extends credit according to 15 USC 1602 ( g ), 15 USC 1601, 15 USC 1602 ( f ). XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX can not originate credit ; they can only extend credit because I am the original creditor the natural person pursuant to 15 USC 1602. The furnisher can not validate debt without my consent according to 15 USC 1692j. In your investigation with ( XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX ) you have to interview a family/friend/ neighbor that is associated with the consumer according to 15 USC 1681 ( a ) ( e ). If you can not provide any of this information I am instructing you to remove all accounts from my consumer report. I did not give them ( XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX ) written consent to report on my consumer report according to 15 USC 1681 ( b ) ( a ) ( 2 ). Pursuant to 18 USC 8 the government assumed all liability from the social security card on file. I XXXX XXXX the natural person is not obligated or liable to XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX alleged debt. The Federal law states that any person sending you a " bill '' is in violation to your consumer rights. I have received many bills from these companies previously mention alleging I owe debt/late payment fees. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX Violates 15 USC 1605, FCRA, FDCPA, and TILA. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX continues to solicit on these alleged debts and some have even closed the account which is adverse action according to 15 USC 1681m and XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX has negatively reported on my consumer credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and ALL the credit reporting agencies will be persecuted for illegally utilizing my name and will be criminally liable for all violations according to 15 USC 1611, 15 USC 1640, 15 USC 1692e, Title 18 but not limited to.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing about my previous communication regarding the late opening date of my account. 

Despite my initial request to correct the opening date of my account, I regret to inform you that the issue remains unresolved. As a result, I am reaching out once again to request your assistance in rectifying this matter. I have attached copies of relevant documents, including proof of my application and any other supporting materials, to assist in the resolution process. 

I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening date. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$550.00} ; XXXX  XXXX XXXX Balance : {$37.00} ; XXXX  XXXX XXXX Balance : {$700.00}.
Product: Debt collection

I am referring a case to the Consumer Protection Bureau as follows. 

First, please see the most recent document, 'New_Debt_Collector_Account.jpg '. This was sent to me on XX/XX/2021 and arrived on XX/XX/2021. This is a letter from " I.C. System '' telling me I must pay a delinquent account for " XXXX ''. An account I thought that was already settled by " Offices of the XXXX XXXX XXXX ''. Or so I believed. Until now... 

See attachment 'dispute.rtf '. This is the original letter I sent to " Offices of the XXXX XXXX XXXX ''. Within 'dispute.rtf ' is a very detailed, and extremely well articulated ( if I do say so myself ) dispute letter, delineating the abuses and reasons to " XXXX '' of why I would not pay the bill. In a response, sent back to me by " Offices of the XXXX XXXX XXXX '', 'dispute_response.jpg ', they said they would discontinue their collection efforts and no information regarding this account would be referred to the credit bureau XXXX 

THEN, 7 months later, from " I.C. System '' I receive, 'New_Debt_Collector_Account.jpg ', as first seent above, saying I still owe this debt.

My question, to " I.C. System '' " XXXX XXXX '' and the " Consumer Protection Bureau '' are : How can I dispute and then remove a debt, that I legitimatlly do not owe, and be exonerated from it, if " Charter/Spectrum '' can simply refer it to another debt collecting company to try and collect it? And then tarnish my credit? Is misleading a consumer like this 'legal '?

As 'dispute.rtf ' indicates, I even said I would contact the Consumer Protection Bureau and the XXXX. I did not originally do this and regret that decision, but I am doing so now!! 

Furthermore, due to the unparalleled absolute deceptive malfeasance on the part of " XXXX '' and these debt XXXX, I am considering approaching media outlets with my story. Consumers can not and should not be ripped of this way and their credit tarnished, while a corrupt telecommunications company and their debt collecting cronies attempt to charge them for several months of internet they never had. 

This is fraud, it is illegal, and it needs to stop. And I wish to be exonerated from this debt as I was originally led to believe!!! 

Finally, if " XXXX '' are part of any class action lawsuits involving this behaviour ( and I'm sure they are ), then I wish to testify on the behalf on any government, individual, and/or private institutions as to the corrput nature of entities such as " XXXX '' and their debt collectors, and hereby consent to providing all the following statements, including all attachments herein, and any testimony they want me to give as evidence. 

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

I've been a victim of identity theft due to the XXXX data breach, and I never authorized them. 
XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$9600.00} XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$0.00} DP OF EDUC XXXX Balance Owed : {$2300.00} DP OF EDUC XXXX Balance Owed : {$1800.00} DP OF EDUC XXXX Balance Owed : {$2100.00} DP OF EDUC XXXX Balance Owed : {$2100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX III do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Experian to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Experian at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this pointI.
Product: Money transfer, virtual currency, or money service

I was contacted by the number XXXX and it was identified as Chase. I answered it and the person told me me someone had opened a checking account in my name and was trying to send two payments to " XXXX XXXX '' in the amount of {$2000.00} and {$3000.00}. They gave me their name- XXXX XXXX and an id badge number XXXX and a fraud case number of XXXX. They then instructed me to sign into my account and through XXXX cancel these payments out using the case number and the to use XXXX XXXX for the name. When I pressed for more information because something didn't't seem right XXXX XXXX XXXX XXXX XXXX XXXX and hung up. I wanted to report them because they are impersonating Chase Bank and may have been able to gain access to other people 's accounts.
Product: Mortgage

Received a letter from SLS on XX/XX/2020, copy attached. I have made every payment on time and have proof but they won't accept the proof & keep asking for resubmission. They know there are no front and back of checks because they process electronically. They claim we are in default and want to foreclose. To add insult to injury, now on page 2, they claim I was late in paying XXXX XXXX, the company that transferred the mortgages to them. THIS IS UNTRUE! I am attaching copies of the XXXX XXXX XXXX reporting that I obtained this morning from XXXX, and XXXX XXXX for XXXX   and XXXX. Please let me know who I contact to have their license to do business in the State of Florida.
Product: Debt collection

Our company changed insurance in XXXX of XXXX. I received vision services at XXXX XXXX hospital in XXXX XXXX in early XXXX. The bills were apparently sent to my office, not home as indicated. Typically, it takes several months for insurance companies to determine the amount they will pay and the amount owed by the insured and then they will bill the insured. 2 months later a collection agency, Progressive Management Systems in XXXX XXXX, CA contacted my employer and told them of the issue but did not call me and I was n't alert at the time. I found out about the contact later after receiving a subsequent contact from the agency. I immediately called the agency and they agreed to remove the delinquency and note I was not at fault and in fact just became aware of the outstanding nature of the bill. I was concerned about their un professional behavior over the phone, talked with a supervisor but was still worried about their tactics. I then called XXXX and immediately paid the bill and they advised that they would delete the delinquency. As far as i know this has not been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to XXXX XXXX XXXX ( XXXX ) making XXXX XXXX XXXX XXXX an assignee pursuant to XXXX XXXX XXXX ( XXXX ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to XXXX XXXX XXXX. Furthermore, that is an Deceptive Form identified in the XXXX pursuant to XXXX XXXX XXXX. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as XXXX states pursuant to XXXX XXXX XXXX ( XXXX ). Lastly, XXXX states " No credit card shall be issued except in response to a request or application thereof '' pursuant to XXXX XXXX XXXX. This is my request! It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of XXXX XXXX. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Credit reporting or other personal consumer reports

I am writing to dispute the findings of the investigation conducted by the credit bureaus regarding the accuracy of the information on my credit report. The credit bureaus have stated that the Account Name and Account Number were properly investigated, but this is impossible when the open date, the date last active, and the date last reported are all inaccurate. These discrepancies are grounds for the removal of the account from my credit report.

Additionally, my rights under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), have been violated. This law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have never provided written permission for these accounts to be furnished on my credit report. 

Given these violations and inaccuracies, I am requesting that these accounts be removed from my credit report immediately. I expect prompt action to address these issues in compliance with federal law. 

Sincerely,