23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX . 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
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. XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. I have attached the 1099c for the account XXXX XXXX XXXXXXXX showing that you are reporting incorrect information. The account was paid and should have been removed per the agreement with the creditor. Not only are your furnishing incorrect information pertaining to this account, but you also failed to remove the account once it was paid. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached 1099c form as well as the dispute letter sent to you on XX/XX/year> which is dated and time stamped.
Product: Credit card or prepaid card

Chase bank closed my Chase Sapphire credit card citing that there were too many disputes opened on the account. Disputing charges is a statutory right of consumers under Fair Credit Billing Act ( FCBA ), which is protected by Equal Credit Opportunity Act. Even though Chase claims that they are able to close any account due to no particular reason based on their credit card agreement, they are still obliged to comply with the FCBA. 

Equal Credit Opportunity Act prohibits issuers to take any actions against consumers when the consumers exercises the rights in good faith. All of the disputes were opened in good faith and are valid, however Chase bank didn't even give me an opportunity to present the necessary evidence as it is related to the disputes in order to validate them. When such requests for evidence were made by Chase bank in prior disputes, I always made sure to provide the requested information. 

Since Chase bank chose to close my account without giving me an opportunity to demonstrate that I had exercised my statutory right to dispute charges on my account in good faith they are in direct violation of my rights as a consumer under the Equal Credit Opportunity Act and the Fair Credit Billing Act and should reinstate my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had repeatedly failed to properly investigate XXXX XXXX and XXXX XXXX inquiries on my credit.
Product: Credit reporting or other personal consumer reports

Celtic Bank/ Contfinco XXXX Acct XXXX XXXX This account has been sold to third parties at least XXXX times. I did not give approval to do so. According to FCRA, I can request that my account not be sold or transferred to any third party without my explicit consent. According to FCRA, I have the right to control how my personal information is shared. Selling or transferring my account without my consent constitutes a violation of my rights under this federal law.
Product: Credit card

My bill was due on XX/XX/2024. I paid my entire balance on XX/XX/2024. I tried to use my card on XX/XX/2024 twice and was declined. I tried once on XX/XX/2024 and was declined. I called today XX/XX/2024 and requested the reason for the card being froze. I was advised that because I had not made the minimum payment due, the card was froze. I reiterated that i paid the full amount due on the due date and customer disservice advised that because I paid from a different bank, the minimum payment had not been received. Because of the XXXX party call center who are not employed by XXXX, I have ended the call because they were of no service to me. They have no authority to fix my problem. I then attempted a virtual online chat to resolve the issue to which i was advised that they were performing a system update and could not be of service.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX D.C. XXXX RE : **Formal Complaint Regarding Unverified Debt and Harassment from Client Services To Whom It May Concern : I am writing to file a formal complaint on client client services concerning serious issues with the debt collection practices of Client Services. I have been subjected to continued and unlawful harassment, including numerous unsolicited and unwarranted telephone calls, despite multiple requests for debt verification. 

I am fully aware of my rights and obligations under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. 

1. **Failure to Provide Debt Verification** : I am requesting a formal debt verification letter from client services. I am requesting a response or documentation verifying the debt in question, in violation of the FDCPA, specifically under Section 809, which mandates that a debt collector must provide verification of the debt upon request. 

2. **Harassment via Repeated and Unwanted Calls** : In addition to the failure to verify the debt, I have been subject to an unacceptable level of harassment through repeated phone calls from client services. These calls have been relentless, and the frequency of contact has caused significant emotional distress. Despite multiple requests to cease these communications, the calls have continued, which constitutes a violation of FDCPA Section 806, prohibiting harassment and undue inconvenience. 

As a result of these violations, I demand the following actions be taken : - **Immediate cessation of all communication** regarding this alleged debt, except for written correspondence confirming that the debt has been properly verified or validated, as required by law. 

- **Provision of a written debt verification letter** as required under FDCPA Section 809, detailing the amount of the debt, the original creditor, and any supporting documentation confirming the legitimacy of this claim. 

- **An official investigation into the practices of client services with regard to the ongoing harassment and non-compliance with federal regulations. 

I am fully prepared to take further legal action, including but not limited to filing a lawsuit for violations of the FDCPA, should these matters not be resolved promptly and in accordance with federal law. Please consider this matter with the utmost urgency, as continued harassment and failure to verify the debt will not be tolerated. 

I expect a response from your office within XXXX XXXX from the date of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Product: Debt collection

This letter is to notify you that I no longer am disputing this account. I had paid this account thinking that it would be deleted from my credit report so I am not sure what was the point of me paying it. 

Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company upon receipt of this message.
Product: Checking or savings account

Today is XX/XX/XXXX. On XX/XX/XXXX I opened a checking account at Bank of Hawaii. On XX/XX/XXXX, I corrected the spelling of my name and gender to receive a new Debit card that was incorrect. On XX/XX/XXXX, I received a confirmation letter of address correction. 

My bank statements for social security deposit states, SSA TREAS XXXX. The ( XXXX ) area code XXXX XXXX California is not associated with my bank account and the posting of this credit to my account is fraudulent because the bank is in Hawaii and my deposits are not from California. 

Attached statements. 

My name is XXXX XXXX and this is my statement of intentional torts and organized crime associated with my income from USA Social Security.
Product: Checking or savings account

I never signed up for automatic charges from XXXX, but instead every two weeks and charge {$23.00} which gets placed inside this account that I can not withdraw any funds from. I reached out to customer care support, and they refused to contact me for any help.
Product: Debt collection

We took our daughter to  XXXX   XXXX   XXXX   XXXX  in  XXXX  PA once in   XXXX   XXXX   and once in   XXXX   XXXX   for emergency care. When we registered at the ER we provided our current address and phone numbers. We received bills from   XXXX    and paid what was not covered by insurance, every bill that was sent to us. Fast forward to   XXXX   XXXX  , we apply for a pre-approval on a loan only to find out that   XXXX    has sent t 2 i nvoices for us into collections around   XXXX   XXXX   .  i called the collections agency Transworld only to find out that the invoices and correspondences about the debt were being mailed to an address that we had lived in 6 years previously. We had  XXXX  address changes since we had lived at that location. No one from  XXXX   XXXX  ever contacted us directly about these invoices and we regularly receive care from   XXXX  . Anytime we went in for a check up we were told our account was current, we would receive a bill and we would pay it.  Transworld  also never made any actual attempts to contact us stating, that they too were sending letters to our old address. They also claimed to have called my cell phone numerous times which was a flat out lie, unless it was an automated call which i would have hung up on without listening to. We have paid the {$150.00} on  XX/XX/XXXX  when it was brought to my attention but  XXXX   XXXX  will not own up to their error and assist us with purging our now ruined credit report. In fact, the  XXXX  representative  XXXX  raised her voice to my wife and was unwilling to listen or assist us in any way. I will not stand to have my credit ruined over a clerical issue.    XXXX /Transworld can expect to be hearing from a lawyer shortly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote 8 letters to agencies to investigate my report. I requested inaccurate information be removed, it was not.
Product: Debt collection

Resurgent Capital Services has been sending mail to my home and calling/texting my cell phone for a debt that is not mine and the person who owns the debt does not live with me. 

I have for 3 years been trying to remove my address and phone number from their system. 

In addition to continuing to contact me, they have sent me links, discussing the financials of the person who does owe the debt. I am a third party that should not have any access to the information of the person they are looking.
Product: Credit reporting or other personal consumer reports

Listed below are fraudulent inquiries using my name and social security number without my content. Resulting in identity theft. Could you investigate this and delete these fraudulent accounts from my credit report? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with GMFNANCIAL XXXX Balance $ XXXXThis was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureau is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two credit cards accounts with Bank of America, one opened XX/XX/XXXX with a Credit Limit of {$500.00} and the other opened XX/XX/XXXX with a Credit Limit of {$3000.00} both of them are over 10 years old and you guys still report them to my credit. Please stop reporting these two accounts to my credit report, they are too old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially co-signed a loan for my son in 2015. That car was eventually totaled in an accident. When my son bought a new car from the same dealer, the dealer submitted my credit information without my consent or signature. ( account # XXXX ) When my son missed a payment late last year, it negatively impacted my credit score. I filed a dispute early this year which was rejected by XXXX. I contacted them directly back in XXXX, and they admitted that the dealer fraudulently entered my credit info, and that they'd call back in a few days and have it removed from my credit history. I've never received a return call, and the negative information still appears on my credit bureau. I called and after a 30 minute hold, I was just told by a supervisor ( XXXX XXXX ) that it's still being investigated and that he'd submit the complaint again, but there's not much more he can do.
Product: Debt collection

THIS IS A DUPLICATE SUBMISSION - UNSURE OF FIRST TRANSMISSION Receiving repeated calls to my voice mail like this : QUOTE " READABLE VOICEMAIL FROM ( XXXX ) XXXX XX/XX/year> This is XXXX XXXX with Omni Point Management Solutions please return this call may reach me directly or any representative at XXXX. Thank you. '' UNQUOTE The calling organization uses variations of the number shown ( XXXX ) XXXX ), with the same message. 

The organization supposedly is a debt relief entity - I have no debts and have not had any for decades. Further, there are no family members residing with me or have been affiliated with my home phone number. 

I have place each number into my " block list '' but their voice mails still appear. XXXX  apparently has no way to stop this. 

Any help you can offer will be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and EXPERIAN are obligated by the Privacy Act of 1974 to balance the need to maintain my information with my rights to be protected against unwarranted invasions of my privacy. XXXX  XXXX disclosed my nonpublic personal information to a nonaffiliated third party and did not provide a clear and conspicuous revised notice that accurately describes their policies and practices. XXXX XXXX did not provide an opt out notice nor did they give me a reasonable opportunity before the information was disclosed to opt out of the disclosure ( 16 CFR 313.4-10 ). XXXX XXXX and EXPERIAN are liable under the SEC to follow certain rules. XXXX XXXX Commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( Trustee ). In addition to this complaint, I will be filing a form 211 treasury omb forms to have my consumer account audited. I am aware that EXPERIAN is securitizing my consumer data, but continues to break the law by sharing my data with third party companies like XXXX, XXXX XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I obtained a copy of my credit report and to my surprise I had a ton of negative and inaccurate items on my report. I tired to reach out to the reporting agencies multiple times and to no avail. I have wrong names, wrong address, and wrong employers on my report. I have debts from companies that I've never done business with or accounts that were paid off that's still showing a balance. According to the rules that I found online the agencies had 30-60 days to respond and provide proof of these debts and it has been well over 120 days with no answers at all. 

I sent letters attesting these inaccurate accounts on XXXX, XXXX, and again here at XXXX. So many discrepancies across the XXXX agencies like different account numbers, different amounts and different names and addresses. These items reporting on my report are totally unfair and a complete violations of my rights. The agencies have had adequate time to contact the alleged debtor to provide proof and until then I'd like them removed from my report. I believe my information was a part of the equifax and XXXX hack.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the inquiries listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX are fraudulently using SSN and saying I owe debts that are not mine. They are using my SSN without my authorization and turning around and saying I owe them. This is considered Identity theft. I was part of the data breach back in XXXX of XXXX. I was notified by Equifax about their wrongdoings. I also was notified recently that my Social Security Number was part of a data breach. I have ongoing correspondence with XXXX XXXX that I do not owe the debts that are alleged on my consumer credit profile. Acct # XXXX XXXX XXXX and XXXX ( XXXX XXXX ). Both accounts are paid for and XXXX does not have evidence that I owe a debt. I asked XXXX to send proof via the ledger on the account and a sworn statement under the penalty of perjury saying I owe them the alleged amount. I'm also asking XXXX to do the same as I do not owe this company. I did not sign any contracts with XXXX. I want to see the ledger showing I took out a loan. Then a signed statement under the penalty of perjury saying the debt belongs to me. XXXX XXXX and XXXX using my private information with third parties and that was not authorized. Attached is the identity report I filed with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the TransUnion credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

ARS ACCOUNT RESOLUTION is reporting an account # XXXX on my credit report which does not belong to me & has been calling me & threatening to pay them a debt which does not belong to me & must me deleted from my report
Product: Payday loan, title loan, personal loan, or advance loan

My name is XXXX XXXX it has been years months and weeks y'all account hasn't been added to my credit report yet please help me account email is XXXX I still need help my issues aren't resolved I can't get in touch with y'all by email or phone call and y'all not responding to my emails please readd it to my ssn because it's not on my credit report still etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three XXXX, equifax and XXXX. The names on my report isnt me. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never worked at XXXX I never lived at the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX Equifax and XXXX hasnt updated my credit since XX/XX/2021 Equifax still has old information on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. 
{$460.00} {$340.00} XXXX paid in full! Remove them from my report! 

They are reported closed, but are still on my report. Remove them!
Product: Credit card

I have XXXX hard incuries and one discover card credit card opened that I didnt process to open my information has got leaked and I need assistance please.