23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Received a call from a Chase bank representative. They advised me that someone was trying to hack into my bank account and needed me to move money from one account to another. They told me each detail about my account. How much money is in each account, when I moved money from one account to another they could see it happening, etc... They told me they were going to text me a verification code for my security. I received the text and gave them the code. The next thing I knew 2 different wire transfers with all my money went out, and the guy on the phone said " XXXX '' and hung up. I immediately called the number the guy was calling from and Chase answered and when I told them what happened they treated me like I was trying to scam them.
Product: Credit reporting or other personal consumer reports

Hello recently I have been seeing XXXX  XXXX reported on my profile history and I thought someone added me as a XXXX. So I been calling since XXXX to get this issue handled as I got a notification from the military that my information was exposed in the data breech and also Exposed with a individual with the police department of XXXX ga They did not provide the names of the individual who had my information only a letter And telling me the steps I can take. Please remove these accounts they are both fraud.
Product: Credit reporting or other personal consumer reports

I have called and emailed this company multiple times about the debt they're claiming is mine. I have requested the original agreement and signed contract from this company to verify the debt under 15 USC 1692G.

if the debt can not be validated I am at no obligation to pay under the FCRA 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts still reporting to my credit report. Some have been removed already but the following accounts reporting are fraud. Accounts XXXX XXXX Opened XX/XX/XXXX Amount {$16000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Amount {$22000.00}. These been reported multiple times and proof of fraud have been submitted I've reached out to both banks via email and they both replied and emailed my agreeing those account do not belong to me
Product: Debt collection

XX/XX/2018 I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I went in for a XXXX  XXXX/XXXX, at the time I hadn't ever had one before so I wasn't aware of why I felt like I was about to XXXX   XXXX. I explained to them my symptoms, which they somehow couldn't determine it was an obvious XXXX XXXX. Instead they started off by giving me a XXXX of XXXX  ( XXXX XXXX ) and then they put me through the ringer ; They ran unnecessary tests on me only to determine I was OK to go home. I was charged {$3000.00} for a drug screen after I told them I hadn't taken anything, yet they insisted I still XXXX in a cup without telling me I would later be charged XXXX for it. I was charged {$320.00} for a XXXX bag of XXXX   XXXX .09 %, HOW?!!? I dare ANYONE to look up how much a XXXX bag costs! Then I was charged {$1400.00} for an XXXX which resulted in nothing, I never said I was having any problems relating to the need of an XXXX, nor was I told that the use of their XXXX resulted in me being bumped up to a Level XXXX out of XXXX ER visit. But here 's the kicker I was charged {$6200.00} for that XXXX XXXX ER visit ... I WALKED IN AND OUT without assistance mind you. 
In total I was charged {$12000.00} for my visit and after insurance I was left to pay {$1800.00} ... Thats more than my mortage, HOI, and taxes combined!
Product: Debt collection

To Whom It May Concern : To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX From : XXXX I am writing to dispute the negative marks you have made on my credit file and formally request validation of this alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809. 
Please understand that I am requesting full validation, not partial, to confirm any contractual obligation between myself and your company or the original creditor. Until this debt is validated in accordance with the FDCPA and the Fair Credit Reporting Act ( FCRA ), I request that you cease any credit bureau reporting related to this account. 
To satisfy this validation request, please provide the following documentation : XXXX. Complete Payment History As established by XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXXXXXX, a detailed payment history for the entire amount alleged is required. Please include : * Itemized verification by line for each charge, with an explanation of each item ( such as purchase date, amount, goods received, and receipt date ). 
XXXX. Date of Last Activity related to the alleged debt. 
XXXX. Proof of Identification My full, complete, and correct Social Security number to help confirm my identity as the alleged debtor. 
XXXX. Signed Agreement A copy of any document or contract bearing my signature that indicates my agreement to pay the original creditor. 
XXXX. Obligation to Collect Proof of the contractual obligation between your company and the original creditor that legally permits you to collect this debt, including : * A Letter of Sale or Assignment from the original creditor to your company. 
* Documentation showing you have authority to collect, as required by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which stipulates that debt purchasers must provide information on the source of debt and amount paid for it. 
XXXX. Licensing Proof of your license to collect debt within my state. 
XXXX. Breakdown of Fees An itemized statement of fees, detailing the calculation of the alleged amount owed. 
Additionally, I request that you refrain from contacting me by telephone. Limit your contact to written communication and only when you have provided all the requested documents for proper validation. 
Under FDCPA Section 809 ( b ), collection activities must halt until this debt has been validated. Furthermore, XXXX v. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ), ruled that reporting a collection account constitutes collection activity. I am therefore entitled to the full documentation listed above as validation, not partial information. 
While I prefer to resolve this matter without litigation, I am prepared to pursue legal action to enforce my rights under the FDCPA and other statutes, should it become necessary. 
Please send all requested documentation. 
I will await your reply, including all requested proof, and will respond upon receipt of the full validation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this letter is to have several unauthorized credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
The FCRA states that the only permissible purpose for pulling someone's credit is for a firm offer of credit, insurance, employment or court order. The following credit inquiries are not related to none of the afore mentioned. 
JPMCB ( XX/XX/2021 ) I have sent letters to this company and asked them to stop the unauthorized inquiries and have them removed from my credit report. However, it has been 60 days and I have had no response from them. The letters were sent by certified mail, so I am sure when they were received. 

Please remove these inquiries from my credit report immediately and send me a copy of my new, accurate credit report. Thank you for your timely attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Alleged Original Creditor : XXXX XXXX Alleged Original Account Number : XXXX Alleged Account Number : XXXX Alleged Debt Amount or Balance : {$1000.00} I am writing to formally dispute an alleged debt that XXXX XXXX XXXX, XXXX. is attempting to collect. I recently received communication from XXXX XXXX XXXX, XXXX. regarding the above-referenced debt. This communication was received within the last 30 days. I dispute the validity of this alleged debt in its entirety and am requesting verification of the debt. Specifically, I request that XXXX XXXX XXXX, XXXX. provide a copy of any contract or agreement with the original creditor, XXXX XXXX, signed by all relevant parties. I do not owe the amount in question, and XXXX XXXX XXXX, XXXX.is illegally attempting to collect money that I do not owe. Furthermore, I request that XXXX XXXX XXXX, XXXX. cease and desist all collection activities, including reporting this alleged debt to any consumer reporting agencies. If any reporting has already been made, I request that they promptly delete it from my credit file. If these actions are taken within 14 days, XXXX XXXX XXXX XXXX XXXX. will be excused from further verification of the debt. Please note that I may escalate this matter to an attorney if XXXX XXXX XXXX, XXXX. fails to comply with these demands. Thank you for investigating this matter and ensuring that my rights as a consumer are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$8900.00} XXXX XXXXXXXX XXXX Balance : {$8900.00} XXXX  XXXX XXXX Balance : {$8900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having heavy fraud. Noticing someone use my name in married form. I am single. I have no marriage in any state across the country or world. It should be XXXX XXXX XXXX anything else please run a report on both sides. I'm still without my finances and means to provide for my kids and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged 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
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer. 

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY! 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, 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 by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required XXXX window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX. XXXX/account : XXXX XXXX. XXXX/ account : XXXX XXXX. Address : this address is not mine ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )
Product: Debt collection

Bill was co-pay to a doctor in XXXX XXXX XXXX. It was paid 0n XXXX. Ihave copy of check, front and back. Paid thru bill pay. Talked with head of consumer relations at XXXX XXXX XXXX. He confirms I owe nothing. HRRG continues to send statements and leave messages on voice mail. This bill was for {$30.00}. 
XXXX XXXX confirms they do not use HRRG and described this as a scam.
Product: Credit card or prepaid card

Hi! My name is XXXX XXXX. My date of birth isXX/XX/XXXX. Actually i have a paypal account. I had that account registered for my XXXX direct deposit because I'm a XXXXXXXX XXXX I never had any problem with the account until last month. I lost my card last month and after I realized that I lost my paypal cash card. I checked my transactions on the paypal app. Someone used my card twice at XXXX. I didn't report those transactions because it was not really a big amount. I just locked my card. After I locked my card someone still used it at a gas station so i ordered a new card. I got my unemployement money on XX/XX/XXXX3rd from Department of labor. I got 10 direct deposits and the total amount that i got was XXXX . I tried to tranfer the money but was saying that I have to upload my Id and proof of address to send the money as they put a hold on my account.I uploaded the documents and then I was told to wait 3 days. After 3 days, They said there is some suspicious activity on my account and i can't use paypal anymore and they said I can't take my money out from paypal for the next 180 days. I contacted them multiple times to provide me explaination becuase I never did any thing wrong with my account. They didn't provide me any explaination. It's been a month my account is on hold. I request you to please help me because I was waiting for my money from the past 4 months. I'm a college XXXX. I have to pay my college dues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a new vehicle. I started preparing by checking my credit report to know what my credit score was. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I've contacted the FTC, the police and I'm doing this on my own behalf. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

To Whom It May Concern : This complaint concerns my XXXX XXXX credit card account with XXXX XXXX, which became delinquent in XX/XX/XXXX. Portfolio Recovery Associates, LLC alleges that they bought the account from XXXX XXXX, but the have refused to provide written documentation of alleged sale, even after multiple letters from me, a blatant violation of the Fair Debt Collection Practices Act, which explicitly requires documentation be provided within 30 days of the first written request. 

I wish to make the following points : I received a letter from Portfolio Recovery Associates, which is attached, dated XX/XX/XXXX, claiming without proof that they had purchased my XXXX XXXX XXXX from XXXX XXXX  ; On XX/XX/XXXX, I sent Portfolio Recovery Associates a requesting a copy of the sales contract, as proof of the alleged sale. 
In a letter dated XX/XX/XXXX, Portfolio Recovery Associates stated they could provide me payment history on the account, but provided no actual documentation, as is required within 30 days under the Federal Fair Debt Collection Practices Act. Nevada Revised Statutes XXXX etc. also requires written notice. 
I sent a letter to Portfolio Recovery Associates dated XX/XX/XXXX again requesting a copy of the alleged sales contract. 
In a letter dated XX/XX/XXXX, Portfolio Recovery Associates offered a supposed hardship program, but they still have not provided proof of the debt, or if they honor and respect the 6-year statute of limitations under Nevada law. They only vaguely recognize my judgement proof income exemptions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc., but they set a time limit, which the law does not allow. Nevada Revised Statutes says my SSA benefits are protected from consumer debt collection judgements without limitation, so an artificial date such as is in this seems to be prohibited.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called a few days ago asking discover a week ago to report my payment for XXXX cause their was no data for XXXX reporting my payment and today on XX/XX/XXXX I get notified that my balance went up for XXXX when I have not been late on any payment and by my reporting date being the XXXX of every month the last payment I made had my balance at {$0.00} when they were supposed to be only correcting the month of XXXX they wrecked my credit score by reporting my balance this month which I did not request for them to do now I have a big balance on my credit file reporting that shouldnt be there cause my actual reporting day is not until XX/XX/XXXX I am requesting that they bring my balance back to where it initially was ( {$0.00} ) until my normal scheduled reporting date takes affect and actually correct XXXX like initially spoken about over the phone
Product: Debt collection

XXXX & XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Company above sent me XXXX letter in XX/XX/year> regarding a judgement that the office entered in the XXXX XXXXXXXX XXXX XXXX Prior to this notification, I was never informed nor contacted for any payment arrangements and/or settlement of the account. This company proceeded in freezing my bank account funds on XX/XX/year>. I dont have access to anything. I am a single of XXXX toddlers under the age of XXXX and I need access to my bank account. This is beyond unlawful and its causing my children to suffer, because I dont have access to my funds to care for them. 

Furthermore, I have been attempting to contact this XXXX XXXX for over XXXX weeks, I have left messages and even writing emails and I dont get a call back.