23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from a sales person from XXXX to sell an extended warranty on my refrigerator. I specifically told the sales person to place the charge on my XXXX credit card and not to charge it to my XXXX XXXX XXXX, which I had never used. XXXX collections starting calling me at least 4 times a day to collect on debt that I didn't owe, I explained to them that I have never charged anything on my XXXX XXXX and that they should review their tapes. After that XXXX told me that the charge they were trying to collect on was a fraud. I explained to them that I purchased a warranty on the XXXX credit card and not the XXXX XXXX, but they and threaten to report me to the credit bureau. When I spoke to XXXX sales person, she stated the call may be recorded ; therefore, I feel the recording should have been reviewed to resolve this issue before it has escalated to this point. Eventually, they turned the debt over to the collection agency ( United Collection Bureau , Inc. ). Routinely I have {$75.00} per month automatically withdrawn from my account for the XXXX Credit card ; therefore, I was under the impression that the warranty was placed on that account and that I have been paying consistently. 

I am senior citizen and I feel very harassed and taken advantage of when I have been a loyal customer and paid my bills timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not applicable to me, Fraudulent Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep pointing the fingers. 

The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.
Product: Credit reporting or other personal consumer reports

I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 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.I would like to have this XXXX XXXX HARD INQUIRY removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I attempted to file a dispute online but was blocked by the system. 
I am attaching proof of XXXX inaccurate accounts from pages XXXX and XXXX of the XX/XX/XXXX Experian report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX XXXX bill due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX listed under page XXXX of the attached Experian report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX The payment history shows okay for XX/XX/XXXX yet the last payment was supposedly made in XX/XX/XXXX which makes no sense. XXXX XXXX XXXX as closed in XX/XX/XXXX on page XXXX of the XX/XX/XXXX XXXX XXXX report XXXX but the same account shows as open in XX/XX/XXXX on page XXXX of Experian report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( s ). I have no records of signing with my wet signature to authorize the account. 
I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock. 
Finally, I never received the accounting statements from the financial institution related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099. 
On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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. 
As a result, this invalid/ inaccurate XXXX account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit reports on XXXX, Notice a negative report sent to collections for the amount of {$360.00}, ( if i hadn't request my credit report i would'nt never known about this ) also reported an unknown address in my credit report. 
I called XXXX to file dispute on XXXX, XXXX asked if i contacted the collection agency shown on report i said not yet, I figured call XXXX first ; XXXX suggested to me to give CMRE Financial service a call and let them know the situation. 
I called CMRE Finan Serv on XXXX and talk to a representative to file dispute on my behalf, I was told the SSN # they had matched my number, I told the CMRE representative the address shown on my credit report was not my address, That I've lived on the same address for over 40 yrs, I told the CMRE representative it was not me ; that it was not my bill ; that I never lived on the address shown in my report ; in XXXX Tx I never received any services on the location shown on my credit report ; XXXX XXXX XXXX, The CMRE representative mention was for services provided on XXXX for a Chest Ex-ray, again I said it's not me you have the wrong person. 
I called again talked to a CMRE representative on XXXX to ask for an update on my case, they said it was going to take some time didn't know how long ; case was still under investigation, CMRE representaive suggested i file a police report.
Product: Credit card or prepaid card

TO : Bluebird Customer Service XXXX XXXX XXXX XXXX, GA XXXX From : Account # XXXX XXXX XXXX I am disputing the following 8 Unauthorized transactions : XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$41.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$38.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$40.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX XXXX CA XXXX - {$40.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$120.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$28.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX XXXX {$55.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$42.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$35.00} XX/XX/2023 Store Purchase I did not Authorize Transactions from : XXXX XXXX nor have I recieved anything form : XXXX XXXX, I contacted XXXX they said they could not help and for me to make a claim with my bank. 
Thank You, XXXX XXXX
Product: Debt collection

i have sent them two letter asking validation of debt by u.s postal service certified mail receipt # ( XXXX ) receipt # ( XXXX ) i have not yet or never did I received that request whch i have a right as a consumer under the ( FDCPA ) they just keep violating my rights under 15 usc 1692c ( a ) ( 1 ) ( c ) ( 1 )
Product: Credit reporting or other personal consumer reports

I pulled my annual credit report and noticed that XXXX XXXX XXXX XXXX XXXX XXXX list an account in defaulton my credit reports XXXX, Experian and XXXX. Please note that XXXX data breach on XX/XX/year> : The web portal XXXX XXXX breached, and XX/XX/year> : Attackers began moving into other parts of the network and exfi ltrating data. It took XXXX XXXXXXXX XXXX : to discover the breach and did not notify the public until XX/XX/year>. This is not my account and I would like itremoved from my credit fi les.
Product: Credit card or prepaid card

My payments to my PayPal MasterCard serviced by Synchrony Bank are not being credited towards my available credit. I believe that Synchrony Bank is deliberately hindering my ability to use their MasterCard. After contacting them they did make available the remaining half of one of my payments for {$500.00}. My payment history did not fit their criteria for blocking my available credit : 1. ) Too many payments at once 2. ) A payment larger than normal 3. ) An account that was too new I am the victim of fraudulent practices that are not allowing me to use my MC as it was advertised. I made another payment while I was on the phone with the customer service agent named " XXXX '' for {$500.00}. The exact same thing occurred. Only half of that payment has been credited towards my available credit. 
I have made numerous payments in the same amount. I have spaced out those payments as to not " crowd '' a specific date. I have always paid my bill in full each month. I am being targeted by Synchrony Bank because I have been consistently benefiting from their 2 % cash back MC and have NEVER paid them a penny in interest nor will I. Please don't let them explain this away with algorithmic rhetoric. I understand programming ; let 'd get real. Help me to make this financial persecution stop. Thank you. Card ending XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax hack that was found out late XXXX/XXXX/XXXX or early XXXX/XXXX/XXXX has possibly affected me based on what they have told me. They want to offer me free protection while waving my rights to seek action against them
Product: Debt collection

My most recent credit report includes fraudulent accounts that I did not authorize. I request their immediate removal and blocking.
Product: Debt collection

I was checking my credit report when a company called  XXXX   XXXX   XXXX   XXXX   XXXX  PA showed up as a derogatory remark on my report. I contacted all  XXXX  credit bureaus to try to get information on what this account was and they told me to contact them. I did and they informed me it was from a previous visit from their hospital. I informed them I am not sure who they were and what the charges were in regards to and if they could submit information or proof, such as a form I signed or anything and nothing was sent. I contacted my credit bureaus to dispute the services and charges due to I never signed anything with this company and they removed themselves from my   XXXX   report but stayed on my  XXXX  and   XXXX  . I went through the dispute process again and asked to submit documentation of what i signed wi th ARS  showing I owed them and still nothing has been sent to me. This has been ongoing since  XXXX    XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Product: Vehicle loan or lease

This is in regards to my account with XXXX XXXX XXXX Account # XXXX. The reason for this complaint is in regards to a late pay reporting in XX/XX/2020 and XX/XX/2020. Due to Covid I was unable to make the payment which caused me to be late. As soon as I was able to I got the account paid up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my credit report.
Product: Credit reporting or other personal consumer reports

Ive looked at my report and noticed that there are late payments on my report on account XXXX XXXX Acct number XXXX Under law usc 15 1666 B ( a ) A creditor may not treat a payment on a credit card account under an open and consumer credit plan Repost late for any purpose. 
This is violating my rights and consumers law these late payments meed to be removed asap
Product: Student loan

I had a student loan in 2007. I was unable to continue to pay after a certain point. The XXXX XXXX XXXX XXXX put a lein on my tax refunds and took the balance. The loans have been paid. Now there is a credit company trying to threaten me with court. I responded with a cease and desist until they sent a verification of debt because the loans are paid. they show payment on my credit reports ( which I monitor ) and this debt collector is reporting the same accounts that the XXXX are reporting and screwing up my reports. I tried to contact this company on multiple occasions and finally heard from a special unit case after filing a complaint with the XXXX. However ; they said they could not talk to me about MY account. Not to mention that I only put a cease and desist until proof of verification of debt has been sent on XXXX account, the ONLY XXXX they threatened me about. But, they are reporting XXXX accounts and not even telling me anything about a XXXX account! I am in the process of getting a mortgage and my broker and underwriter told me to file this complaint against this company and give you my evidence. They have requested info on these debts and have been ignored .... Further violating my FDCPA rights.. 

IMMEDIATE CREDIT RECOVERY, INC. 
XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Mortgage

I got a VA loan from rocket mortgage the home inspection omitted XXXX XXXX XXXX XXXX and VA inspectors let it pass.If this was exposed loan wouldn't have pass what do I need to do
Product: Debt collection

I, XXXX XXXX, am a natural person and my place of abode is my location information as that term is defined by 15 USC 1692a ( 7 ).

I am a consumer as that term is defined by the FDCPA and RFDCPA.

LVNV Funding is a debt collector as that term is defined by 15 USC 1692a ( 6 ). LVNV Funding is also a debt buyer with a laundry list of complaints against them on the CFPB, FTC, and XXXX. 

I understand my rights as a consumer and know that Congress has enacted federal laws to protect me as a consumer. I have created this affidavit to put you on notice about the abusive debt collection practices of LVNV Funding pursuant to 15 USC 1692a ( e ) and make you aware that they have invaded my individual privacy under 15 USC 1692a.

Within the last year, LVNV Funding and its associates/agents have attempted to collect an alleged consumer debt from me. This alleged debt is beyond the statute of limitations in the State of California. 

On multiple of occasions, I have disputed this alleged debt with the credit reporting agencies and directly with LVNV Funding. Each time, LVNV Funding has failed to properly update my consumer report to reflect this dispute which is a violation on the FCRA under 15 USC 1681.

Additionally, by LVNV Funding reporting this alleged debt on my consumer report without validation, it is a violation of 15 USC 1692g. When LVNV Funding reported this account to the CRA 's and stated that I owed a debt, they violated 15 USC 1692b ( 2 ).

LVNV Funding is solely reporting this account as an attempt to coerce payment, which is also a violation of 15 USC 1692d ( 4 ).

Lastly, under the FCRA, this consumer credit transaction is supposed to be excluded pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

LVNV Funding violated 15 USC 1692f of the FDCPA by using unfair or unconscionable means in connection with the collection of an alleged debt, when LVNV Funding and its agents engaged in the foregoing conduct.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Transworld Systems would verify the debt. So I took it upon myself to ask Transworld Systems for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax breach. My information was exposed and illegally used. Due to this Equifax breach that occured in XXXX, my personal and sensitive information which includes my name, address, birthday and social security number was exposed to cyber thieves and indeed impacted my report and ultimately my life. They have used my information to charge unauthorized items to my personal account, and have taken the liberty to run a number of unauthorized inquiries and a list of inaccurate information on my consumer report. This has resulted in financial loss and damage to my consumer reports and caused tremendous stress to me and my family. I have spent a great amount of time addressing these infractions due to this breach. As recent as XX/XX/XXXX, someone once again has illegally charged items to my personal account. Also, Equifax has already admitted that I was a victim of this breach and I am requesting that these inaccurate items are removed from my credit consumer report immediately. I am attaching the proof that Equifax has already admitted that I was a victim of this breach.
Product: Credit reporting or other personal consumer reports

Account Details Account Name : Department of EducationXXXX Account Number : XXXX I would like to bring to your attention that this account is being reported seven times on my credit report, each with a different amount. This repetitive reporting is inaccurate and adversely affecting my creditworthiness. It is crucial to note that I have no association with this debt, and it is not my responsibility. 

Furthermore, I have observed that this inaccurate information is reflected across all three major credit bureaus - XXXX, Equifax, and XXXX. This inconsistency only deepens my concern, as it implies a significant discrepancy in the reporting process. 

I kindly request that you take immediate action in accordance with the Fair Credit Reporting Act ( FCRA ) laws to rectify this issue. According to FCRA, it is incumbent upon credit reporting agencies to ensure the accuracy of the information they report. Section 611 ( a ) ( 1 ) ( A ) of the FCRA stipulates that ... if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer... the consumer reporting agency shall, free of charge, conduct a reasonable reinvestigation... 

The inaccuracies in this reporting not only tarnish my credit profile but also constitute defamation of my character. I implore you to promptly remove this erroneous information from my credit profile, as it is imperative to restore the accuracy and integrity of my credit report. 

I am providing the following supporting documents for your reference : a picture showing seven different accounts on my credit profile which is inaccurate reporting I kindly request that you acknowledge receipt of this dispute in writing, along with a detailed outline of the actions taken to address this matter. Please be advised that I am keeping a meticulous record of this correspondence for my own reference. 

Thank you for your immediate attention to this matter. I trust that XXXX, Equifax, XXXX will undertake the necessary steps to rectify this situation promptly and restore the integrity of my credit history.
Product: Debt collection

I do not owe this company the amount stated, requested validation and evidence and nothing has been received.
Product: Credit reporting or other personal consumer reports

1. These companies allowed my information to be stolen.

2. Their actions resulted in me being scammed and defrauded.

3. Their actions resulted in fraudulent use of my information.

4. Their actions resulted in me being denied credit for years.

5. Their actions resulted in me not having a meaningful life.

6. Their actions resulted in me being denied jobs.

7. They listed multiple addresses that showed I am unstable.

8. They listed many hard inquiries that showed I was not creditworthy.

9. These companies destroyed my creditworthiness and life.

10. They are all responsible for my financial, XXXX XXXX XXXX XXXX
Product: Mortgage

We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out mentally, emotionally and physically continuously. TimeframeXX/XX/XXXX-XX/XX/XXXX