23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, regarding their improper debt collection practices and violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, claiming that I owe a debt to XXXX in the amount of {$450.00}. However, I have never received any official communication or letter directly from this collection agency, and the information presented in the document contains false and unverifiable details. Specifically : Incorrect Address : The document lists an address ( [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX ] ) that does not belong to me. 

Incorrect Account Information : Upon contacting XXXX, I was informed that the phone number attached to this alleged account is XXXX, while the document provided by the collection agency lists XXXX. This discrepancy demonstrates that the account information referenced is not accurate or associated with my XXXX account. 

Failure to Validate the Debt : Upon contacting XXXX directly, I was informed that they could not validate or confirm the debt presented by the collection agency. 
These discrepancies indicate potential violations of federal laws, as outlined below : Failure to Validate Debt Properly ( 15 U.S. Code 1692g ) : Debt collectors are required to provide accurate and sufficient validation of a debt upon request. The collection agency failed to contact me directly, and the information in their communication is false and unverifiable.

Misrepresentation ( 15 U.S. Code 1692e ) : The FDCPA prohibits debt collectors from using false or deceptive means to collect a debt. Providing incorrect information about the address and account details constitutes a clear violation of this provision.

Inaccurate Information Furnished to Credit Reporting Agencies ( 15 U.S. Code 1681s-2 ) : If this debt has been reported to credit bureaus, it violates federal law, as furnishers are prohibited from reporting inaccurate or unverifiable information.

This collection agency is engaging in unfair and misleading practices, and their actions are causing unwarranted stress and confusion. I respectfully request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for their violations of federal law.
Product: Money transfer, virtual currency, or money service

XXXX made two Wire Transfers to Wells Fargo from my XXXX to my Wells Fargo Account. XXXX claims that Wells Fargo is holding the funds from both Wire Transfers but will not send it back to XXXX as requested or acknowledge that they have received the funds. Wells Fargo will not provide a phone number or contact to discuss this issue. 

XXXX is refusing to provide tracking Documents to support the status of the Wire Transfer.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XX/XX/year> XXXX  XXXX
Product: Credit reporting or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and Navient making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between Navient and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX FIRSTPOINT COLL RESOURCES XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/2024 XX/XX/2024 XXXX XXXX XXXX Dear collection agent, I received a bill from you on XX/XX/2024 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



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

Coachella Valley Collection Service, account NO. XXXX is wrongfully portrayed on my XXXX and XXXX reports, for the fraud of the original creditor XXXX XXXX. Prior to service I provided my usual medical insurance as asked for ; I had an expectation that I would be required to pay my usual co-pay of @ {$50.00} and was prepared to do that. Instead prior to service and upon double-checking before leaving I was told by office staff " XXXX '', to my suprise, more than once that my INSURANCE WAS VERIFIED AND THAT THERE WAS NO-COPAY REQUIRED. Obviously this was a fraud perpetrated upon me by the original creditor, that the office worker 's statement was untrue. They knew they had me for any amount they chose to charge me with the threat of destroying my credit which the original lying creditor has done with their strong-arm collector. I've paid a bill I didn't owe according to the law and have had my credit ruined by a fraud perpetrating original creditor colluding with a collector.
Product: Credit card

American Express made an offer for an extension of credit in exchange for a note ( 12 CFR 360.6 ). I accepted this offer and returned the note. I paid for the goods and service via the note, and became an investor in their company. offer and acceptance. They have accepted my note, then claimed I did not qualify, Although this is a clear violation of 12 CFR 1002.6 ( a ) I informed them that the information used to determine this was inaccurate, and that we already have a contract. I informed them that this is a violation of the equal credit opportunity act, and that their own prospectus states they can not guarantee the accuracy of their credit worthiness determinations. I made an investment in American Express and they have taken my securities without providing the goods that I paid for. This is Securities Fraud. 

They have sent responses that appear to be automated and in no way have acknowledged my claim.
Product: Mortgage

Thanks for documents you sent me, I concluded after my investigation that you are part of the ongoing fraud that  XXXX   XXXX   XXXX  Has orchestrated with  XXXX   XXXX . You have shown on your transfer documents only the current balance, but my monthly statement with deferred balance. There is no deferred balance on my mortgage and that will violate federal law. and even the current balance is questionable. The court will sort out and take the suitable action. I will attach this complaint with some document which you have already have but to refresh you memory in case you misplaced. please study those documents and contact with   XXXX   XXXX    XXXX  about its authenticity. Please provide me my account manager. I will see court.
Product: Credit card or prepaid card

I have two accounts with CHASE CREDIT. One of them has a XXXX balance ( AARP ) the other is current ( AMAZON ) and I have never been late on.

Last week I got a call from a rude person claiming to work for CHASE to do a 'review of my credit line ' Since I was current I was surprised and asked why this was happening. She refused to answer that and informed me that since I had ten other credit cards " what's up with that? '' There was ONE month with ONE card that I was late in paying ( not CHASE ). I explained I had not received the paper bill and that was why it was late. She told me she could cut my credit line since they were concerned even though the one-month delinquency was not with CHASE. All of this while I heard her repeatedly yell at her child to " be quiet mommy 's working '' so clearly I did not have her full attention or sympathy.

Today I received two letters reducing my limits on both cards. even the one paid in full!

Please contact them and get them to reverse this unnecessary punitive action.
Product: Debt collection

This company Account Recovery Services , Inc which i have NO CONTRACT with is Reporting on my credit reports fraudulently.

* Were you named on the original contract with the original creditor?

* If not, do you have a contract between your company and me, signed by both parties?

* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?

Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Product: Money transfer, virtual currency, or money service

I was scammed of of XXXX on XXXX I was banking with Bank of America they refused to help me then closed my account I was trying to buy a puppy and got scammed
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to an inadequate customer service and unfair practices, which violated the consumer financial protection act. Specifically cash app failed to take timely an effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with air resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

i did not authorize your companie to run my credit report nor gave anyone permission to
Product: Debt collection

I bought a table at Conns XX/XX/XXXX. In XX/XX/XXXX I purchased a washer and dryer. They canceled my first contract and made a new contract total was XXXX. A month later the washer broke down they would not fix it. I called waited a long time until I whent to the store and spoke to XXXX the store manager. He told me to pick up a new set, I did, he told me to not pay anything until the new washer and dryer were added to the contract and the non functioning washer and dryer were taken off. I did as I was told. They called said my payment wasnt due until XX/XX/XXXX that meant I wouldn't pay XXXX  or XXXX and be counted as current do to them canceling the old contract making the new one. I get on XXXX XXXX about a month and a half later and 80 points had been deducted. I was going to purchase a vehicle a week later!!! This was shocking showed on there Conns reported me late. I called about 100 times and I was given different answers every call and different reasons, spoke to many managers no one did anything. This really affected me. One agent told me that the old washer and dryer were never taken off, in other words I was paying for 2 washers and 2 dryers and the table and chairs. I've called this company so much its ridiculous. Every single person gives me different answers!!! I've kept paying even after they scammed me, to raise my credit because I was given no solution. I'm trying to buy a home this year for me and my children and Conns is making it a night mate! I called XXXX of XXXX and they said my balance was almost 7,000!!! I'm was speechless how is this possible. The washer and dryer that were replaced costed almost 1,500 dollars less than the original? At that time my payoff was XXXX??? How am I owing XXXX more if I received cheaper sets. Were has my money gone since XXXX that I bought the table in 2 years that's a huge amount. Those negative remarks I'm showing on my credit from XXXX have never been removed, they promised to fix them it's been more than a year and still showing. This company is a fraud and caused tragic moments of success for me. I've never been late I was always responsible and here I am stuck. I want answers, I refuse to pay them anything not even a penny until I get an answers. I have emails I sent to the manager about my credit also.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TransUnion have not fulfilled their responsibilities under the Fair Credit Reporting Act ( FCRA ) to perform a thorough reinvestigation of disputed information on credit reports, resulting in the persistence of inaccurate and unverified account details. Recently, the Consumer Financial Protection Bureau ( CFPB ) initiated legal action against XXXX, citing systemic failures such as neglecting to relay consumer-submitted evidence to data furnishers, accepting unreliable responses, and inadequately informing consumers about the outcomes of their disputes. These shortcomings resonate with my own experiences, where XXXX, XXXX, and TransUnion have failed to rectify or eliminate disputed items despite the evidence I provided, which has adversely affected my credit standing. I am seeking immediate corrective measures to either remove or amend the disputed accounts, as XXXXXXXX XXXX inaction constitutes a violation of federal law and infringes upon my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX a fraudulent application for credit was made at XXXX XXXX. The criminal used a fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank populated this address to XXXX who listed it as my primary residence address. I filed a CFPB complaint against XXXX XXXX and XXXX on or about XX/XX/XXXX and the issue was resolved. 

But now I find out the issue was NOT resolved. In addition to reporting the fraudulent address to XXXX, XXXX XXXX  also reported the fraudulent address to Innovis. I have tried to contact Innovis about this and they refuse me access online. They also refuse to delete the fraudulent address unless the data furnisher, XXXXXXXX XXXX contacts them to request removal. 

XXXXXXXX XXXX  failed to delete the fraudulent address from all entities they reported it to even though at the time it was reported XXXX XXXX clearly new the address was from a fraudulent credit application. 

Innovis refuses to delete fraudulent information from my credit report in violation of the FCRA. I fully intend to bring legal action against Innovis.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXX XXXX  XX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my Experian credit report that I did not authorize.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and realized that this information was not mine. and they did not carry clear information. and they carried different information in each credit reporting agency. and this is affecting my ability to obtain financial products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent  XXXX  letters requesting removal of the account "  XXXX   XXXX   XXXX  '' from my credit report between all three CBs due to this account NOT being mine.   XXXX   and  XXXX  admitted that they could not verify the account belonged to me, and promptly removed it from reporting. However, even after  XXXX  separate noticed to Equifax, they refuse to remove it. I sent a demand requesting that they disclose ALL information regarding how they verified that this debt was mine, including the name and number of the individual working for Equifax, the name number and title of the person who furnished the information to that person, and all supporting documents. Equifax has continued to ignore my requests. Since they are reporting still to this day, we can assume they claim it 's verified.  XXXX   XXXX   XXXX ,  XXXX  Edition,   XXXX  , defines  Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that   Equifax must be willing and able to produce a document in their files that proves the account in dispute belongs to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against them. Someone in their company must authenticate the documents in their files that were used to verify the disputed account and to do this they must have   1st hand knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. Verification MUST consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). My request is THE LAW. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
I demand that this account be removed from my credit file as two other CBs have already accepted that this account is NOT mine and should have never been reported as such.
Product: Debt collection

i was just looking at my credit report and i was a collections from XXXX XXXX XXXX for the sum of XXXX for a account i do not know about.
Product: Money transfer, virtual currency, or money service

i have been trying to close my account but pay pal refusing to allow me to do this they claim i need to remove money fom my account but I do not and have never left money in pay pal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted a fraudulent claim with XXXX XXXX XXXX XXXX ( Confirmation Number : XXXX ). As of XX/XX/2023, no progress has been made from XXXX XXXX investigation and it has been over 90 days without a resolution. Their records will show that I spoke with the fraud department on XX/XX/2023 and XX/XX/2023. XX/XX/2023, the rep submitted a request to expedite the process.