23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was notified by your company on XXXX regarding an alleged debt. I do not owe this debt because I possess successfully processed wire-transfer documentation from a financial institution to your client occurring in the 1st Calendar Quarter of 2019 that paid the debt in full. ( XXXX, Reference : XXXXXXXXXXXXXX Trace : XXXXXXX ) I request all of the following information be provided to me by Registered U.S. Postal Service mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation describing debt dispute procedures.

4. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 5. Documentation showing you are licensed to collect debts in Texas. 

I request all of the following action be completed by your company and your client within 45 calendar days of receiving this letter : 1. Removal of my name and email address from any and all of your mailing lists.

2. Removal of this debt collection activity from any and all credit reporting agencies 3. Respond in writing apologizing for this fraudulent activity to me by Registered U.S. Postal Service mail.

Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

Because I have documented proof that this debt was Paid-in-Full at a far previous date through an established financial institution, any action by your company or on behalf of your client to pursue collection will be considered a knowledgeable, willful and malicious scheme to defraud by attempting to collect a non-existent debt utilizing interstate communications through and effecting a financial institution. 

Your activities and those taken in concert with those of your client, constitute an on-going pattern of harassment that has taken place over a period of over 18 months and must stop immediately. I will use any and all legal means to ensure that the lawful penalties for the above-mentioned violations of United States Federal Code are enforced, to include allowable punitive damages. Legal-Liability Company status is nullified in cases of criminal activity.

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification as described above, you will also be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
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 # XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  - XX/XX/XXXX XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2020 I saw a collections account for {$300.00} listed on my XXXX  Credit Report for {$300.00} through PMAB. I contacted PMAB on XX/XX/2020 stating that there were some concerns about this account and I asked how could I go about requesting debt validation to help me in my process of getting things squared away. I was told by the PMAB rep that I could not request debt validation from them and I would have to contact the original creditor for debt validation which I am almost certain is not true. I made it clear that I knew that I could request validation from them. I again asked how to go about requesting validation for that account. Then they told me that they could only send validation for combined accounts and not for the specific account that I questioned. I told them that this could not be true because this account has it's own account number so I am certain that I could request validation for this debt. 

Also, as an FYI : They claimed that they send me something in the mail in XX/XX/XXXX. I  did NOT receive it. Also, the postal service emails me each day that I receive mail ( with pictures of the mail pieces ). I have NOTHING from them!!
Product: Credit reporting or other personal consumer reports

Proof of these debts need to be provided I never signed anything or contracts with these companies The information being reported is not consistent 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; LA XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$760.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX131639****Balance Owed XXXX {$440.00} ; XXXXXXXX XXXXXXXX Balance Owed : {$620.00} ; XXXX  XXXX Balance Owed : {$740.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXX  XXXX XXXX Balance Owed : {$210.00} ; XXXX  XXXX XXXX XXXX XXXX : {$58.00} ; XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX  XXXX XXXXBalance Owed : {$43.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$730.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1200.00} ; XXXX  XXXXBankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

XX/XX/2023 ; I was notified by XXXX XXXX that my XXXX credit report score went down. Upon reviewing the XXXX XXXX data, a XXXX XXXX bill ( {$180.00} ) was in a collections. I do not have any insurance with XXXX XXXX. 
XX/XX/2023 ; I contacted XXXX XXXX to officially dispute the report via web. A confirmation of the dispute request was provided. 
XX/XX/2023 ; XXXX XXXX 's investigation verified the disputed item was as accurate.
Product: Debt collection

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on ENHANCED RECOVERY COLLECTION ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to my previous complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2021 sent to your company. After reviewing the information, Im aware that the agreement ( s ) provided as supporting documentation doesnt bears the signature of the alleged debtor wherein he/she agreed to pay the creditor/lease nor the following address on file for alleged debtor is incorrect. ( XXXX XXXX XXXX, XXXX, TN XXXX ) For further review, Ive attached an identity theft report, paystub and debt validation letter as it reflects my current addresse ( s ) as my supporting documentation
Product: Vehicle loan or lease

My mother passed away in XXXX of XXXX and I am the sole beneficiary of her estate. Transferring her vehicle into my name was and still is the last thing I need to do to close out her estate. I have been in contact with Hyundai Motor Finance since XXXX of XXXX asking for the XXXX XXXX XXXX Statement ( XXXX XXXX ), but still have not received it. I've been told numerous times that my case was escalated and would be taken care of, but have not made any progress in getting the requested document. I was told on XXXX that their policy states they had to send the document within 4 business days, but as of today ( XX/XX/XXXX ), I still have not received it. The document has to be faxed to the XXXX XXXX XXXX  and every time I've called, they've confirmed they had the correct fax numbers to send it to and all of the information they had was correct, but can not let me talk to any sort of supervisor or tell me anything as to why the document has not been faxed. I've had numerous reps tell me my case is still in progress, escalated, and all sorts of other great things that sound good over the phone, but do not bring any sort of resolution. At this point, I'm honestly not sure what I can do to get the document and have started looking into XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I totaled my XXXX purchased with financing through XXXX XXXX. Up until that point all payments were made on time and in full including an additional payment for the month of XXXX. Upon learning my vehicle was totaled and having purchased GAP insurance, XXXX XXXX reached out to me and made a statement that they would take care of filing the GAP claim once my insurance settlement had been paid. In working with my insurance, I was able to find three separate payments made from XXXX to XXXX XXXX all for a greater amount than what XXXX XXXX would accept as the true value of my car. Around XX/XX/XXXX I was contacted by a debt collector telling me I had an account balance of XXXX XXXX with XXXX XXXX which was never settled. Upon contacting, XXXX I learned that my GAP claim was never filed and I was told they had no intention of filing the claim despite the initial promise in the letter I received. So working with the debt collector that called me I spent months contacting the XXXX dealership where I purchased and XXXX XXXX to try and resolve this issue and track down the GAP insurance paperwork they had lost. Throughout this entire ordeal someone within XXXX was updating my contact information ( phone number and address ) to information that was not my own and I complained about it repeatedly because I was not receiving any notifications from them. Some months working with the debt collector we were able to track down the contact information for the GAP claim company which was next to impossible because it was run by a XXXX dealership. The GAP insurance paid XXXX XXXX on XX/XX/XXXX1.To my knowledge at this point my account had been terminated in XX/XX/XXXX yet somehow my credit report was adversely affected on XX/XX/XXXX, to show the account was in collections from XX/XX/XXXX with no communications aside from corrupted data emails which I notified them that I couldnt view several times. The account had a balance of a little more than XXXX XXXX and no one could identify why it had a remaining balance upon talking to all agents I could I was told by each of them that there should not be a balance. Frustrated with the entire situation still not knowing what these mystery charges was for I offered to pay them in exchange for the remarks being removed from my credit report. XXXX XXXX  refused my offer despite not being able to identify the source of the charges and admitting it looked like an error and has been denying my disputes with the credit bureaus with our providing any documentation or evidence to support their claim that I owe them still and have failed to provide notification of my owing them a balance despite the letter they sent me guaranteeing that they would.
Product: Credit reporting or other personal consumer reports

I am distressed that CREDIT BUREAUS has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated and deleted : 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

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX,, Balance : {$980.00} )XXXX XXXX XXXX A ( Date Opened : XXXX XXXX, XXXX Balance : {$940.00} ), XXXX  ( XXXX XXXX XXXX, XXXX, Credit limit {$1500.00} ), XXXX XXXX XXXXXXXX XXXX XXXX Sep. XXXX, XXXX, Credit limit {$500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Notice to agent/principal, on XX/XX/2024, I called the XXXX XXXX  asking if they report bankruptcies to the credit reporting agencies and if the information on my name is accurate. I was told They do not report any bankruptcies to anybody. In fact they told me the bankruptcy data is not always accurate. So if thats the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate. If the court do not report to your agency, how did you retrieve my information. who gave you permission to do so. this information you have furnished on my consumer report is infact not accurate and does not belong to me nor in my report.You have violated my consumer rights in accordance to 15 U.S. Code 1681q - Obtaining information under false pretenses ; which states Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.You never did a fair investigation according to the 15 USC 1681. According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. your agency has caused defamation to my character and destroyed my consumer report with inaccurate and false stolen information which does not belong to me. I demand immediate correction and delete this inaccurate bankruptcy data on my consumer report. i will not hesitate to pursue legal actions and sue for all the damages you have caused me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX  services. I am demanding these accounts to be removed as I did not authorize or open these accounts.
Product: Credit card or prepaid card

We had cancelled a credit card # because of Frauldent activities last year. The Credit Card company ( Chase, confirmed that the account has been cancelled and that any charges to the Credit Card Account # will not go through ) Chase continued to allow Fraudulent charges on the old Account # to go through despite that account being cancelled. They now said we are liable for all Fraudulent transactions to the account even if the account is cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX A Townhouse in which I owned was sold through the Deed and Lieu process with XXXX XXXX XXXX. XXXX XXXX documented the sale of the property on 1099-A. The 1099-A is a federal tax document which was submitted to the IRS. 

However, XXXX XXXX continues to report to the 3 credit bureaus that I did not make payments on the aforementioned loan in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the document submitted to the IRS the property was sold on XX/XX/XXXX, thus legally I was no longer required to make payments on the loan because I no longer owned the property. 


XXXX XXXX continued reporting that I was 120 days late on this loan is incorrect and in violation of federal law. I have emails as well from XXXX XXXX articulating that the Townhouse was sold on XX/XX/XXXX and they were just waiting for the County to process the DEED. However, I as the consumer have nothing to do with the County once XXXX XXXX accepted the money from the investor, I was no longer required to make any payments on the aforementioned loan.
Product: Credit reporting or other personal consumer reports

Multiple hard inquiries on my credit report I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX XXXX {$22000.00}, XXXX  XXXX/XXXX {$340.00}, XXXX XXXX XXXX XXXX XXXX {$19000.00}, XXXX Bank XXXX XXXX XXXX XXXX {$410.00}, XXXX/XXXX  XXXX XXXX {$6000.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. None of these accounts are mine, I didn't open them and never used them.
Product: Checking or savings account

Check Fraud has been committed and Wells Fargo has verified this, a check was made out to me and i did not endorse it, nor was I even present. Wells Fargo cashed it regardless, despite my reaching out to them proactively. I have been told that they will be refunding the check so the issuer can send it to me. This was months ago. Wells Fargo refuses to divulge any information regarding time frame or where in the process they are. I have been awaiting for my funds for several months now, with no information given to me. Cashing a check without the persons endorsement, without the person even being there is extremely and crossly incompetent. These are institutions we are supposed to trust. 

Again I have filed out the affidavit Wells Fargo request, that check was made payable to me, I did not endorse it and it was cashed regardless. That is grossly unacceptable from a Financial Institution Account number XXXX, check number XXXX for {$3500.00} Payable to XXXX XXXX AND XXXX XXXX XXXX XXXX the VP of commercial banking corresponded and said it takes 30-90 days, that was XX/XX/XXXX. I'd like an update at the very least please.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particular in light of the recent CFPB lawsuit highlighting significate with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle fail to investigate my claim adequately, they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. the CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Adjustment Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear [ Consumer Adjustment Co ], I am writing in response to your notice of debt collection. Under the Fair Debt Collection Practices Act [ FDCPA ], I am request that you validate this debt. I request proof that it is accurate and legally enforceable. 

Please provide the following information : 1.The name and address of the original creditor.

2. The amount of the debt, including any interest, fees, or other charges.

3.Proof that you are authorized to collect this debt on behalf of the creditor.

4. A complete and itemized history of the debt, including the date of the original transaction and any payments or adjustments made since.

5.Verification that the statute of limitations for this debt has not expired.

6. Copies of any paperwork that shows I agreed to pay what you claim I owe. 


Please note that I am disputing the validity of this debt and requesting that you cease any collection activity, including reporting to any credit bureaus, until the debt has been properly validated. 

In accordance with the FDCPA, please consider this letter as a formal dispute and request for validation. I request that you respond within 30 days of receiving this letter. 


Thank you for your attention to this matter. 

Sincerely XXXX XXXX