23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2020 Attention XX/XX/XXXX Fraud Department, I am demanding that you remove these fraudulent accounts that you have listed on my credit file. I am currently waiting on the outcome of a lawsuit in regards to the XX/XX/XXXX Data Breach this security breach resulted in millions of consumers including myself to fall victim to identity theft. My personal information was compromised and used to secure fraudulent accounts. If you refuse to remove these fraudulent accounts from my credit file, I will move forward with my lawyer and file a motion to sue your company in state or federal court. At that time, I will ask to be compensated for my time, refunded for actual damages to my credit file, as well as compensated for my mental and physical health as this fraudulent information listed on my credit file has caused me a great deal of stress. My lawyer has advised me to contact the FTC and the CFPB, which I have done and attached the documentation for permeant removal of these fraudulent accounts. 

If you refuse to remove these accounts from my credit file, I will give my lawyer the OK to file a motion against your business in 8 business days. You must provide me with debt validation documentation, by law which is legal documentation of the Section 609 of the Fair Credit Reporting Act Attached is my legal FTC report, I am also awaiting a hard copy of my police report that I have also filed. I hereby state that all information I have provided is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete information. 

The following accounts should be removed from my credit as soon as possible.

1. Account Resolution Service {$4000.00} 2.Us Department of Education {$9000.00} 3.Us Department of Education {$4300.00} 4.Us Department of Education {$10000.00} 5.All unauthorized hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Called them telling them ( 5th 3rd ) I cant make payments ( 3 payments behind ) because of unemployment  not being able to get to me back ( also filled for there 3 months forgiveness act when it came out ), on XX/XX/XXXX i made 1/3 payments ... because Im just starting to get unemployment  this first week of XXXX ... but I just came to find out that my credit score was infected by a lot but with this pandemic and the unemployment  being unexpectedly long to arrive to me its not really fair since they new in advance I wouldnt be able to pay due to unemployment  being late.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the verification process used to establish that an accounts were legitimately opened under my name. I believe the company has failed to comply with proper identity verification standards, resulting in fraudulent activity linked to my personal information. 

Details of the Dispute : I discovered an account in my name that I did not authorize. Upon requesting verification, the company failed to provide proper documentation showing how they confirmed my identity. ] Reasons for Dispute : 1.Failure to Properly Verify Identity [ Company Name ] did not provide sufficient proof that they followed legally required verification procedures, such as Know Your Customer ( KYC ) compliance.

2.Lack of Documentation When I requested evidence of how the company verified my identity, they failed to provide clear documentation proving the account legitimately belongs to me.

3.Potential Violation of Consumer Protection Laws Under federal regulations, including the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ), companies must verify the identity of individuals before opening accounts in their names.

4.Risk of Identity Theft This unauthorized account suggests potential identity fraud, and I demand an immediate investigation to rectify this issue.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX. {$790.00} XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX
Product: Debt collection

Today XXXX XXXX XXXX from the firm Mullooly, Jeffrey, Rooney & Flynn LLP ( MJRF ) wrote me the following email : " XXXX XXXX, I have answered your repeated emails previously. My office is in the process of responding to your CFPB complaints ; kindly refer to those responses. '' This is a false statement. 

First off, I still have not received any documentation that I have requested, nor have I received direct responses to my questions. 

You see, the issue I have had repeatedly with this firm is they will not answer questions. They also have a history of lying. 

I also have an issue with the fact that they refuse to talk with me or answer emails, phone calls, or other questions. 

I would also like to point out this is the only time I have complained about the false statements made by XXXX XXXX today, XX/XX/XXXX. She has asserted I am trying to " intimidate '' her firm by making duplicate complaints, but that is not the case. 

I am simply filing a complaint every time her firm breaks the law. 

If she would like me to stop making complaints, I would advise her to pick up the phone and talk to me, and work out how I can get the documents I need. 

I would also advise her to answer questions directly. Lying by omission is still lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON THE DISPUTED ACCOUNTS. MY XXXX, XXXX XXXX  AND XXXX XXXX XXXX   ACCOUNT ARE REPORTING LATES. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Credit reporting or other personal consumer reports

My debt has been discharged, yet two Chase credit cards still remain active on my credit report. I want them removed off of my credit report immediately. This is inaccurate reporting, and inaccurate reporting goes against 15 U.S.Code 1681. A charge off is considered a certificate of indebtedness, which means it is income and MUST be removed off of my credit report. JPMCB CARD- Account # XXXX JPMCB CARD-Account # XXXX These two accounts have been labeled as charge off 's on my credit report and MUST be removed immediately. I recently came across information related to charged- off amounts and their implications under the Internal Revenue Service XXXX IRS XXXX regulations. According to the IRS Article, a charge-off is considered a CERTIFICATE of indebtedness, which means it is treated as income, and, therefore, eligible for removal from the records, and my credit report. In light of this information, I REQUEST ALL CREDIT AGENCIES assistance and removal of the two charged-off JPMCB accounts associated with my accounts.
Product: Mortgage

Ocwen lied!, I sent you how the mess up you are, They have a report on them thru Forida, a payoff toXXXX XXXX.If thats is what they due, well think about, does it go higher to the requators, that report to the attorney general.Ocwen has XXXX XXXX of assets out thier, no wonder all the lawsiuitsare letting them off the of, imagine all of this and thier senior loans can perhaps bring us to a nother ression, Dear XXXX, i hope they have not gotten to the regulators which l eads to the attorney general, I left out a lot of complaints on them.i love my country, please if you can pass this to the powers to be, but be really careful for they have intwinded us to a ression, I learned something today, they hold You!!!!!! by the strings/To you Ocwen, i made a mistake, i will now take names and IDs and notes on you.by the way my first complaint on you was to show how messed up you are!!!!!!!!!!!!!!!!!!!!!!! Now go live with yourself/ToAll Employess, would you finance with Ocwen??????????????
Product: Credit reporting or other personal consumer reports

I have spent 5 months in trying to remove the incorrect information off my credit report. My personal information had been compromised and misused without my consent. The discovery has triggered a series of incidents that continue to affect me in carious ways, both financially end emotionally. the unauthorized opening of accounts, fraudulent transactions, and the misuse of my personal information have left me with a sense of violation and vulnerability. PLEASE DO SOMETHING!!!!!!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I opended an installment loan with WFC, after several months of making on time payments, I lost my job and fell behind. On XX/XX/XXXX a {$590.00} payment was made, then I fell behind again and the account went into a charged off. WFC continues to report charged off balance of {$780.00}, but the past due amount is increased each month? I do not understand how this is possible, to raise the amount I need to pay to fix this each month and report it on my credit file.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significantly issues with the platform. 
Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds was unfeasible. The CFBP 's findings indicate that Zelle not only has neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

They call my cell phone, my house phone, and my wife 's cell phone repeatedly about XXXX times per day. They are calling about a supposed bad check that I wrote to a payday loan agency that I 've never been too, and I 've checked with my bank and there was no bad checks written. I called them and spoke with the representative that is handling my supposed account, and asked him to stop calling me and my wife. The phone calls continue, and I need them to stop harrassing me and my wife for this apparent debt that I do not owe. He also told me that a judge is going to sign off on the debt and will garnish my wages at XXXX %. I work for a payday loan agency and I know this is false. I need them to stop calling and harrassing me and my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. The account below should be corrected ASAP : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

I have already disputed these items, but the bureaus did not remove them, nor prove validation.

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
Product: Checking or savings account

ON XX/XX/19 I attempted to deposit cash into 2 separate XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX ATMs. Both times the ATM displayed an error message stating " transaction can not be completed '' and the ATM did not return my cash out of the machine nor did it provide a receipt. I contacted my financial institution " Simple Bank '' and XXXX. XXXX is requesting a Regulation E dispute form be sent to them from Simple Bank. Simple Bank is refusing to do that and stating " You just need to work that out with the owner of the ATM ''. XXXX is refusing to do anything else until Simple Bank sends over the documents. Meanwhile I'm out my money and I can't get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting late payments from XXXX for XX/XX/2019 and XXXXXXXX XXXX XXXX  I have not had a late payment on this account at all. Other bureaus are reporting the correct information of no late payments but Experian refuses to correct the information.
Product: Checking or savings account

I'm a victim of a silly scam that could have been avoided.
Product: Checking or savings account

On this date XX/XX/year>, Trust Bank committed check fraud to pay themselves, pushing my account into negative to pay their own cash advance. After reporting negative Information to my credit report. There were no calls or warnings in their actions Amt : - {$200.00} Date : XXXX XX/XX/year> 2024
Product: Debt collection

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Account Number : XXXX Dear Midland Credit Management , I am writing to you regarding a debt you claim I owe, which is listed under the above-referenced account number. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), and in particular, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that you provide validation of the debt in question. 

To validate this debt, I request the following information : 1. Proof of the Original Creditor Please provide documentation that shows the full name, address, and contact information of the original creditor, as well as the full accounting of the debt. 
2. Assignment Contract Provide a copy of the assignment or transfer agreement that demonstrates your legal right to collect on this debt. I want to verify the chain of ownership to ensure that the debt was properly assigned to you for collection. 
3. Account Balance and Breakdown Please provide a detailed breakdown of the current balance of this debt, including the amount of the original debt, interest, fees, and any other charges that have been added to the account. 
4. Applicable Statutes and Verification Please confirm the legal basis under which this debt can be collected and provide references to the specific state or federal laws governing this collection, including the statute of limitations applicable to the debt. 
5. Verification of Reporting to Credit Bureaus Confirm whether this debt has been reported to any credit reporting agencies. If so, provide the dates it was reported and to which agencies. Under the FCRA, 15 U.S.C. 1681, inaccurate or unverifiable information must be corrected or removed. 

Until this debt is validated as per my rights under federal law, I request that you cease all collection activity, including reporting this debt to any credit reporting agencies. 

Please note that I will only communicate further about this matter in writing. Additionally, if you can not provide the documentation requested, you are required to cease collection activities and remove any negative credit reporting associated with this debt. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days of receipt of this letter, as required by law.
Product: Credit card

On XX/XX/year> several unauthorized charges were made with my wells fargo debit card : {$2000.00} to XXXX XXXX XXXX XXXX XXXX, CA. 
{$1700.00} to XXXX XXXX, FL {$120.00} to XXXX XXXX {$79.00} to XXXX {$97.00} to XXXX {$160.00} to XXXX {$490.00} to XXXX XXXX XXXX The debit card was in my possession at all times ; I never allowed anybody but myself to use it. Wells Fargo has denied my dispute and has closed the case. They said they couldn't help me because the perpetrator knew my phone number and zip code. This was apparently the reason why they wouldn't reimburse me. Through a banker at my local Wells Fargo branch I then filed a report to the " escalation team '' but they told me after a week of waiting that they have no authority to overturn the claims department 's decision. I have been with Wells Fargo for many years and never filed a complaint before and so I am more than shocked that they don't take responsibility for what happened.
Product: Credit reporting or other personal consumer reports

Last 4 of SSN : XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows : Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, La XXXX Employer : XXXX XXXX XXXX XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement for your verification. 
Best Regards,
Product: Credit reporting or other personal consumer reports

I have filed several disputes concerning these accounts that are being reported inaccurately on my credit report. Additionally, I have submitted multiple requests for updates on the account that needs correction. Despite this, these companies have refused to address the disputes, even though they are legally obligated to do so. 

XX/XX/XXXXXXXX - XXXX
Product: Checking or savings account

I contacted early warning services and XXXX XXXX XXXX in reference to my checking account. I resolved all of my responsibilities. I experienced major issues with XXXX XXXX XXXXXXXX improperly noting my account from a deposit error. They charged excessive fees, I paid even though it was erroneous just to restore my good name. Im a XXXX XXXX, 100 %. Im not rich. I was recently still denied a new checking account because after contacting both companies no repair has been made. Ive now been constantly battling identity theft since 2001. Its disheartening and exhausting. Please compel this corporation to remove the negative reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently disputes these accounts. The information displayed is inaccurate. I may be a victim o Of identity theft so I have attached one. This information has to be BLOCKED. Please DELETE these account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation that is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. 
APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of New York medical privacy rules . 
I also hereby reserve my right to take private civil action against you to recover damages.