23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an initial demand letter from the XXXX based law firm, Aldridge Pite Haan on XX/XX/XXXX. Within the demand letter it is stated, " At this time no attorney at this firm has personally reviewed the circumstances of your account. '' and was signed by the " Collections Department '' for this firm. 

This morning on XX/XX/XXXX, I was served with a Summons to file an answer in regards to this debt. I believe this to be completely misleading as the demand letter states that no attorney had reviewed the circumstances of the account yet suit was filed. I have no indication that my account did in fact have meaningful attorney involvement after the initial demand letter from their " Collections Department '' was sent. It is my understanding a collections department or collections manager for a firm can not file suit on you, only an Attorney can. I received no communication from an attorney after review of my account, if in fact a review was conducted at all before suit was filed. 

Given the recent investigation from the CFPB in regards to the Ohio law firm XXXX, XXXX XXXX XXXX where there are claims of falsely represented in millions of collection letters sent to consumers that attorneys were involved in collecting the debt. I am only lead to believe that this falls in the category of not just letters being mail but lawsuits being filed.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX Principles ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX INT Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX INT Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX someone used my credit card at XX/XX/year> XXXX XXXX XXXX for {$76.00} on XXXX XXXX they went to night market XXXX XXXX XXXX XXXX they spent {$94.00} on XXXX XXXX they went to XXXX XXXX XXXX XXXX XXXX they spent {$63.00} on XX/XX/XXXX XXXX they went to XXXX XXXX XXXX XXXXXXXXXXXX XXXX they spent {$60.00} XXXX XXXX XXXX they also went to XXXX XXXX XXXX XXXX XXXX and spent {$22.00} then on XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and spent {$130.00} on XX/XX/XXXX XXXX was in XXXX XXXX and I received a text while I was sleeping so the next morning I called Sears Mastercard Citi Bank and to them I haven't used this card in a while and that I didn't make any of these charges so I told them it was identity fraud and someone else used my card so I called in to report Fraud of {$490.00} on my Sears card ending in XXXX then they transferred the Fraud charges to the Sears card ending in XXXX I called and said none of those charges were mine they are saying it's still under investigation while this is going on they said you will not be charged late fees well they are Messing up my credit scores I have always maintained a XXXX and above credit score now because someone used my credit cards my scores are down to XXXX because of this and when I keep calling Sears investigation dept they keep saying it's under investigation this is not fair my history credit scores are being affected I have Never had a XXXX score they are playing games with my credit scores and my life a d the customer service people were Extremely Rude like they don't even care they just read a script that was put in front of them
Product: Checking or savings account

XX/XX/XXXX was the day I found my account frozen, I called the number that was given to resolve the issue but was prompted to keep checking the app for changes and was given no other information. I called 3 consecutive days in a row and was given the same prompt.
Product: Checking or savings account

On XX/XX/2023 I had a negative XXXX $ in my account when I woke up on the next morning I had a positive XXXX $ in my account when I called they teller informed me that was my balance so I spent the money when I woke up the next morning they put me in the negative XXXX XXXX plus dollars and said that it wasnt my money. so they made me pay the full balance its a recorded conversation for this proof Just a week later it happens again and now my account is in the negative balance and they trying to make me pay when I never spent money on a negative balance they trying to say I didnt have the funds in my account when I went into the negative I have proof that I had money on my account at that time I have a screenshot of that date XX/XX/2023 that I had XXXX $ too spend which should of cover the cost of them transactions Sincerely yours XXXX XXXX Thanks for your time
Product: Debt collection

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subjec
t 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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 have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX 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 XXXXI XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$630.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$5100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5100.00} XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022
Product: Checking or savings account

In XXXX of 2019, US Bank closed all my bank accounts ( 3 business and 1 personal ) with no explanation and no justifiable cause. I requested a detailed explanation and they refused. This caused alot of issues in operating my business as well as paying my personal bills which led to negative reporting to the 3 major bureaus as a result of US Bank denying the payments to process. It took US Bank over 1 month to close my accounts and release me money in the accounts which was over {$55000.00}. They held my money hostage without my access for over 1 month. I complained to the branch manager and to corporate but all of them ignored my complaints. Lastly, I had filed 3 wire fraud claims amounting to over {$230000.00} involving a scam by a person and US Bank denied to help me then refused to open the claim to recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

LONG BEFORE I FILED THIS REPORT I CONTACTED THE 3 BUREAU 'S BECAUSE I PULLED MY CREDIT & I SAW SEVERAL INQUIRIES THAT I DID NOT AUTHORIZE. THE BUREAU 'S COMPLETELY BLEW ME OFF & TOTALLY IGNORED MY CONCERNS ABOUT THE INQUIRIES. AFTER THAT I FILED A REPORT WITH THE CFPB ON XX/XX/2021 COMPLAINT ID # XXXX. THEY SAID THAT THEY REACHED OUT TO THE BUREAU 'S & THEY FOUND ALL INQUIRIES TO BE VALID. IN XXXX I BEGAN TO RECEIVE MEDICAL BILLS FOR SERVICES I'VE NEVER APPLIED FOR, RECEIVED OR KNOW ANYTHING ABOUT. AFTER THAT I FILED A POLICE REPORT WITH THE XXXX XXXX POLICE DEPARTMENT. I HAVE ALL DOCUMENTS BACKING MY CLAIMS. I FEEL THIS WHOLE PROCESS HAS FAILED ME. I SPOKE OUT ABOUT THIS BEFORE IT BECAME THIS BAD WHEN I POINTED OUT THE UNAUTHORIZED INQUIRIES BUT I WAS IGNORED & BLOWN OFF. NOW THE DAMAGES HAVE BECOME WORSE. ALSO, I'VE RECEIVED NOTIFICATION FROM XXXX AND XXXX THAT MY SSN WAS INVOLVED IN A XXXX DATA BREACH & FOUND ON XXXX XXXX XXXX AS WELL. PLEASE HELP ME. I AM A VETERAN & I FOUGHT FOR THIS COUNTRY & DON'T DESERVE THIS. ON TODAY I ALSO FILED A COMPLAINT WITH THE XXXX XXXX  XXXX. WITH EVERYTHING THAT I'M PROVIDING & ALL OF THE STEPS THAT I'VE TAKEN THERE SHOULD BE NO REASON FOR THIS TO PERSIST. SOMEONE SHOULD BE HELD ACCOUNTABLE.
Product: Debt collection

On XX/XX/year> I received a phone call from XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX when asked the name of the person calling in the company theyre calling from. They refuse to provide that information and that is a violation under FDCPA policy I have told this company to stop calling my phone number into XXXX XXXX, but they continuously attempt to contact me
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX - XXXX - Account Number : XXXX has violated my right, And lists of unauthorized inquiries 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: Money transfer, virtual currency, or money service

On XXXX, I sent payment to XXXX XXXX, Paypal account he gave : XXXX, his email he was emailing was XXXX and XXXX. 
I sent payment for a condo rental in XXXX, XXXX XXXX   XXXX @ XXXX XXXX XXXX, XXXX, XXXX. We were to meet him there on XXXX to get keys to have the condo for the night. I was charged {$400.00} of which {$250.00} he would give back for deposit. He never showed up to meet us at the condo and would not respond to messages later in the day after we had waited hours. He claimed his wife was in the hospital and he had no access to his phone. I told him I wanted my money back and he said he would refund that night. He didn't. I continued to try contacting him for the refund and he wouldn't respond. He finally replied back XXXX saying he would again refund my money that evening and again, he did not. Not he is not responding to my messages nor returning my money. 
Paypal is refusing to dispute it since it was since via Family/Friends link on the site. 

I took it upon myself to do some digging and emailed this XXXX XXXX posing as a new prospective renter for his condo. He responded immediately to the emails showing his condo was available. He provided a new Paypal email address to send funds to that is different from the one I initially received as myself. I was able to talk him into giving his bank info after telling him I didn't have Paypal. I called and verified the account with the bank and have that info to give you if needed. 

This XXXX XXXX scammed me and I would take any assistance in obtaining my money back. His bank account is titled under XXXX XXXX XXXX at XXXX XXXX in Utah.
Product: Debt collection

On XX/XX/2021 I received via XXXX XXXX a XXXX  from XXXX. I refused the XXXX  at that moment and had XXXX take it back. XXXX had provided me with a cancellation number. On that same day, I had contacted XXXX via email informing them that I am refusing the XXXX XXXX received the XXXX  on XX/XX/2021. Both, XXXX and XXXX continued with the loan without my knowledge. Then, I noticed that XXXX was still charging me for the returned XXXX I tried to reach out to XXXX from their website with no such help. When I typed messages to stop payments, I will get back a message to contact the merchant. I had called XXXX numerous times and I've never received any help nor assistance, but they continued to take my money from my bank account. Therefore, a stopped payments was done through my account. Finally, I was able to communicate with XXXX and it was useless, as XXXX did not assist/helped nor returned my calls to inform me that I had 30 days within to contact them to stop the payments, but on XXXX XXXX website it clearly states that the individual needs to contact the merchants themselves, which I have. XXXX deliberately kept the XXXX without informing XXXX and XXXX also kept the loan and the returned XXXX
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 Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I noticed multiple billing errors. 

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you can't apply that information then it is false allegations and you are in violation. i am entitled to {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

XXXXRequired by 12 CFR 1006.34 ( B ) ( 5 ) yet they have proceeded to place a collection account on my consumer report. The omission denies me the opportunity to verify the accuracy of the debt they claim I owe.

2. I have not been offered the opportunity to dispute the account in accordance with.

12 CFR 1006.34C ( 4 ) ( 1 ) this denial of the dispute process to me of my rights to challenge and accuracy or discrepancy regarding the ledge debt. 
XXXX. XXXX XXXX XXXX has resorted to false, misleading and deceptive means in their collection efforts therefore violating my consumer rights, such unethical practices, undermine the integrity of debt collection process, and calls undo distress to consumers. 
4. For the more the agency lacks the authority to furnish my account to consumers reporting agencies without adhering to the necessary, disclosures, mandated by law by neglecting to their obligations under 12 CFR 1006.34 ( d ) and 15 USC 16812 ( 7 ) ( A ). XXXX XXXX XXXX is flagrantly disregarding consumer protection statues. I demand that the consumer financial protection bureau investigates these egregious violations that are placed on my consumer report no later than 30 days starting today XX/XX/year>
Product: Credit reporting or other personal consumer reports

inquiry from JPMCB on my credit report on XX/XX/24 did not try to get any new credit for anything
Product: Credit reporting

Chapter XXXX Bankruptcy filed in XXXX. However, the Bankruptcy was never confirmed and was dismissed in XXXX by Court order. Order of the Bankruptcy Court specifically states ORDER DENYING BANKRUPTCY OF CHAPTER XXXX PLAN and DISMISSING CHAPTER XXXX CASE. EQUIFAX does not report this correctly. EQUIFAX only reports the Filing and the Dismissal on the credit report. EQUIFAX fails to report the DENIAL OF CONFIRMATION which effectively moots the bankruptcy.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all XXXX credit reporting agencies, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

15 USC 1681b ( C ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Debt collection

I 've recently pulled my credit report, because I 'm in the process of purchasing a home. When looking over my credit report, I noticed a debt that I have absolutely no knowledge of. This company is claiming that I owe them {$2600.00}. I have never heard of this company nor do I have a contract with this company. I DEMAND that this company properly validate this debt, bearing a signature stating that I agreed to owing this debt or a signed contract agreement. If this company ca n't provide the proper signed documents to validate this debt then I DEMAND that this debt be REMOVED from my credit reports.