23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint in regards to an account that is being reported on my credit report by this collection agency. They brought this alleged debt from a different collection agency that in terms had no right to collect so they withdrew from collecting and now this collection agency is reporting on my credit report in violation. They did not send me any notification or any chance to even dispute this account that they are reporting under my social security number. if they claim to have send me something i would like to know what the tracking number is so that i can track where this was send to because this is a clear violation of my rights and i want this XXXX XXXX account removed immediately.
Product: Debt collection

Last year I learned of an account that had been opened in my name almost a decade previous with XXXX/HSBC. After communicating with HSBC it was determined that the account was fraudulent and HSBC provided me with a letter stating the account and all trade lines are deleted. 

Today I was contacted by XXXX, they gave a distinct impression I was on the verge of a civil action and that I had to schedule a meeting with one of their attorney 's to work out a payment plan. This debt is no longer valid and is over a decade old, why are they harassing me?
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally register a complaint concerning several issues related to my credit report, specifically regarding multiple collection attempts and unauthorized inquiries. 

I recently reviewed my credit report and discovered several problems that have negatively impacted my creditworthiness and financial well-being. I wish to highlight the following issues : I have identified multiple entries on my credit report indicating that I owe debts to collection agencies. To the best of my knowledge, I have not incurred any debts that warrant collection efforts. These entries are not only inaccurate but also damaging to my credit history. I have also noticed several unauthorized credit inquiries on my credit report. I did not provide consent for these inquiries, and they have adversely affected my XXXX XXXX. I suspect that these inquiries are a result of identity theft or errors in reporting. 

I understand the importance of accurate credit reporting and its significant impact on my financial stability. The inaccuracies on my credit report have caused undue stress and have hindered my ability to access financial products and services. 

I kindly request the following actions to address these issues promptly : Investigate and correct the inaccuracies in my credit report, including the removal of unwarranted collection entries and unauthorized inquiries. 

Provide me with a detailed explanation of the circumstances surrounding these inaccuracies, including how they occurred and the steps taken to prevent their recurrence. 

Issue a formal letter confirming the corrections made to my credit report and ensure that all credit reporting agencies have been notified of these corrections. 

Implement measures to safeguard my personal information and prevent unauthorized access to my credit report in the future. 

I expect a thorough and swift resolution of these issues, as the inaccuracies on my credit report are causing significant financial harm and distress. Failure to address these concerns satisfactorily may compel me to seek legal remedies to protect my rights as a consumer. The following items are needs to be removed : XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX OF XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to follow up on my previous correspondence dated [ date of previous letter ], in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$250.00} Date of Account : XX/XX/year> To date, I have not received a satisfactory response or proof that this debt is valid. According to the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), creditors are required to validate the debt upon request. Additionally, under the FCRA, specifically Section 611 ( 15 U.S.C. 1681i ), credit bureaus must investigate disputed information and correct or delete any inaccurate or unverifiable information. Furthermore, the CFPA ( 12 U.S.C. 5531 ) prohibits unfair, deceptive, or abusive acts or practices in the collection of consumer debts.

I am requesting one final time that you investigate this account and ensure its removal from my credit report if it can not be properly verified. Failure to comply with these federal laws may result in further action, including escalation with the CFPB and exploring legal avenues to protect my rights.

I have attached copies of my previous correspondence and supporting documentation, including a copy of my identification for verification purposes.

I appreciate your prompt attention to this matter and expect a written response within the XXXX period stipulated by law.
Product: Credit reporting or other personal consumer reports

iam victim of identity theft from close relatives and my x fianc i was XXXX XXXX XXXX XXXX XXXX XXXX XXXX i come back and i was trying to buy a car they pulled my credit and i found a bunch of accounts on it i contacted the creditors and mailed them and no response and then i contacted the credit bureaus and no response this is an improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and showed them that i was XXXX and no one responded please remove these accounts and here is my tracking numbers : XXXX XXXX XXXX
Product: Debt collection

Please see complaint XXXX. 

XXXX XXXX reported collection owed to the credit reporting agencies for myself and my wife, XXXX XXXX XXXX, even after we previously complained that their collection is without merit or evidence. 

As stated in the prior complaint. There was no evidence of smoking and receipts were provided for cleaning. Again the home was left in better condition than it was given to us. We have photographic evidence and yet XXXX XXXX ignored the evidence through their " resolution '' system. They also ignored the previous complain and went forward and ruined our credit.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW g715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX resold an account to XXXX XXXX- who moved from XXXX, NV to XXXX, mi according to credit data recently acquired. This account is reaged- XXXX debt is actually owed. 

XXXX  XXXX has abused my phone for over XXXX  in TCPA violations. They continued to harass me after stating they would cease. Further- they keep playing who owns the account game with XXXX/XXXX/XXXX XXXX to continue to illegally extort me. Even assuming I paid them- they would continue to extort me after trying to triple what I originally may have owed them. Once acct is resold- you only owe what the collector paid -- which is XXXX   on the XXXX. Both XXXX XXXX-targeting consumers with no or low or abused credit intentionally- and XXXX need business licenses yanked. I further demand access to new accounts from these companies to repair thier illegal damage. I am not afraid to take this case to the FBI and DoJ.
Product: Debt collection

My XXXX XXXX XXXX was insured by XXXX XXXX I was involved in a car accident XX/XX/XXXX. My car was totaled lost so I didnt have a car insured. I did call XXXX XXXX  customer service and explained that I was looking to buy another car but they sed they were going to place my car insurance on hold until I purchase another vehicle not charged me just keep the policy going. So What am I getting charged for between XXXX and today
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect name : XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XXXX To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and identified an account from Chrysler Capital that inaccurately appears on my consumer report. I am writing to request the immediate removal of the following account formally : Bank : Chrysler Capital Account Number : XXXX The reporting of this account is in violation of XXXX5 USC 1681 ( a ) ( 2 ) ( b ), specifically pertaining to exclusions defined under the Truth in Lending Act ( 15 USC 1602 ( g ) ). According to the Act, a " credit card '' is described as any card, plate, coupon book, or similar device used for obtaining money, property, labor, or services on credit. This encompasses my social security card, driver 's license/ID, and license plate, which are essentially credit cards used for credit extension. 

I would like to draw your attention to the transaction in question involving a vehicle purchased from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX dealership. Further, I have become aware of the Federal Trade Commission 's ( FTC ) Gramm-Leach-Bliley Act ( 15 USC 6802 ) that outlines obligations to disclose personal information.

The dealership or Chrysler Capital failed to comply with the Act by not providing the necessary notice and information regarding the disclosure of my personal information to both affiliated and non-affiliated third parties. This is a clear violation of federal law.
Product: Credit card or prepaid card

I opened a Regions checking account with the inducement of a {$500.00} bonus. I have met all of the conditions of receiving that bonus and have yet to receive it. 

At the time the account was opened, I was sold a " pre-approved '' credit card by Regions. However, I was not told on that day or for most of the following week how much I was " pre-approved '' or approved for. 

Ultimately, I was approved for a small fraction of the amount that other lenders have approved me for. Had I known this ; I would never have allowed a hard credit inquiry on my report nor would I have accepted Regions " pre-approved '' credit card offer. 

On top of that, it took over four weeks to finally receive the credit card. 

Shortly after that, I spotted numerous unauthorized transactions on the account. I contacted the merchant and was advised to contact Regions. After wasting an hour on a chat with a Regions representative, largely because she could not verify my address due to her lack of understanding the XXXX XXXX XXXX in Regions system is an abbreviation for the word XXXX XXXX, '' a dispute was finally entered. 

However, I was not asked for any of the written communication sent to and received from the merchant. Nor was I provided with any written communication from Regions. 

Worse, yet, Regions has refused to provide provisional credits for the unauthorized amounts charged and in today 's chat I asked a different Regions representative if I was expected to pay for these unauthorized charges and her response was " Correct. Of course, this is wholly unacceptable. 

Outside of meeting with a charming teller at Regions when I opened my checking account, dealing with Regions has been a nightmare. 

Not only do I have no faith in receiving a replacement card in a timely manner as the original card took a month to arrive, I have no faith that my credit card will be credited for the unauthorized transactions or that my checking bonus will be credited to my account in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the response from XXXX XXXX XXXX through the CFPB portal. XXXX XXXX XXXX mentioned that I have disputed this previously in an attempt to discredit my claim, which is unfortunate. When researching XXXX XXXX XXXX it appears they operate out of a trailer in a rural town in Tennessee. When reading the reviews of XXXX XXXX XXXX online it appears this attempted intimidation tactic to discredit claims on small debts is a wide spread problem for this small company that should be addressed. 

When researching this company I attempted to locate their license to practice debt collection in the state of Tennessee but was unable to locate the record. When searching for their license I searched for the business name, XXXX XXXX and XXXX XXXX. 

I searched for their business license and what I found continued the record of disturbing information about this company. It appears XXXX XXXX XXXX lost their license to practice business in the state of Tennessee on XX/XX/XXXX and continued to do business, illegally, until they applied for reinstatement on XX/XX/XXXX. I used complaint dates filed against the company to determine the likelihood that they continued to operate without a license during the lapse. 

This company is attempting to collect a debt for a utility at a home I never resided in, owned, leased or rented. Property records show I never owned or had any interest in this property, this address is not located on any of my credit files or reports and I was not even living in the state where this account was opened when this account was opened. I understand that this small company has some big issues, but since I have now been advised to submit this information directly to the credit bureaus and cut XXXX XXXX XXXX out of the discussion I wanted to provide this update to the parties involved so we all get a good idea of they type of company we are dealing with, which is exactly why the CFPB had to be established. I will include XXXX XXXX on this dispute so they receive an official copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refer to the above XXXX credit Report # XXXX dated XX/XX/XXXX a medical collection as follows ; ( Copy enclosed as Attachment 01 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class XXXX XXXX Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$2300.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$2300.00} Last Payment Date Whose Account Please note that the above medical collection is fraudulent and erroneous. During the time collection was placed I have an active XXXX XXXX XXXX XXXX XXXX XXXX  Insurance Coverage. XXXX XXXX XXXX. 
Also I did not have any medical services rendered under XXXX XXXX XXXX XXXX XXXX during the year XXXX and XXXX.
Product: Student loan

I have never applied for this loan. I would not get a student loan at this time in my life or apply for one.
Product: Credit card or prepaid card

Goodmorning, I am XXXX XXXX, on XXXX XXXX my belongings were stolen from my vehicle. I locked all my cards I had just added XXXX on my cash app card to pay my bill which is due today. I have already filed a complaint/ dispute & I was told I had to wait up to 45 days. I am writing this because they were rude & stop responding to my emails. I have filed multiple disputes because it was more than 1 but I had to wait until it got done pending on my account. I need this to be resolved ASAP because my money is gone and they cant tell me how or why. I need answers
Product: Credit reporting, credit repair services, 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 acct XXXX XXXX Account name : XXXX acct XXXX XXXX Account name : XXXX XXXX XXXX acct XXXX XXXX Account name : XXXX XXXX  acct # XXXX Account name : XXXX XXXX acct XXXX XXXX Account name : 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

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. Account name XXXX XXXX XXXX XXXX ( Closed Account ) XXXX. Account name : XXXX  XXXX Closed Account ) 3.Account name : XXXX XXXX, ( XXXX XXXX ) 4.Account name : XXXX XXXX, ( Hard Inquiry ) 5.Account name : XXXX  XXXX, ( Hard Inquiry ) XXXXAccount name : XXXX XXXXXXXX XXXX, ( Hard Inquiry ) XXXX name : XXXX XXXX XXXX  ( Hard Inquiry ) 8.Account name : XXXX, ( Hard Inquiry ) 9.Account name : XXXX XXXX, ( collection ) 10.Account name : XXXXXXXX XXXX XXXX  ( collection ) 11.Account name : XXXX XXXXXXXX XXXX collection ) 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.

These inaccuracies are preventing me from providing housing, transportation, and other living means for my family. I am taking all of the necessary steps to fix my report and would like some support from the CFPB.
Product: Consumer Loan

I am currently participating in debt consolidation due to inability to pay my debts. This company calls multiple times daily, they call my family friends and work. They are also threatening arrest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had an old account with compass bank. When PNC bank bought compass I decided that was the best time to finally close that account. We moved all our bill pay to a new bank. I went into the branch, and closed all my accounts. There was an overdraft protection line of credit for the checking account. Somehow that didn't get closed and somehow a auto draft for a life insurance policy over drew the account by a few dollars and hung the loan out there. The bank called and said I owed {$25.00} or {$50.00} but could not tell me why. I went back and forth with the bank for months and 3-4 different people to get to a manger that could actually tell me what the fee was related to. At that point I was done being harassed so I agreed to pay {$50.00} to resolve it. They said I could only do it in person at a branch. So eventually went by a branch to resolve and they said they couldn't find the information and didn't know much to charge or how to resolve it. I continued to receive phone calls regarding this and finally I was able to make a payment over the phone to resolve the issue. It was a painful runaround that was complicated by PNC 's takeover of BBVA. It is an absolute outlier situation complicated by big business, new employees and and wasted thousands of dollars of people 's time. 
Over such a small amount. 
Info below from my bank. 

I need PNC Bank to have the late payments removed from my credit report. The charge off was {$3.00} Here is the information that PNC reported on your check line reserve. 
Per our conversation, you had closed out the checking account at PNC and the auto draft for {$25.00} for life insurance continued to debit which then pulled from your check line reserve. 

o Explanation for the late payments on check line reserve ( 2x30 days, 2x60 days, and 6x90 days ) for PNC Bank loan ( acct ending in XXXX )
Product: Credit card or prepaid card

On XX/XX/2021 I decided to look at my BBVA credit card account due to having received a letter stating that they were becoming PNC. I was shocked to discover charges and foreign transaction fees equaling {$700.00}. I had not used the card in a year and according to the statement, it was for a furniture store located in XXXX! I called the bank to file a fraudulent charges claim. I was told that they would look into the claim. Today I received a letter stating that they had decided that the charges were legitimate and I would need to pay them. Legitimate charges for a furniture store in XXXX?!? There was no explanation as to how they made the decision and no steps to appeal the decision. This decision is absolutely absurd! I have tried to call them again repeatedly and can not reach anyone. Im put on hold and then after an hour, disconnected. This happens over and over again. I did not make these charges and can not believe BBVAs total lack of customer service!