23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Was informed of a collection item by a credit analyst decision letter, contacted Experian to try and identify what collection item ; and likely enter a dispute. 

However had to sign up for a website, agree to electronic results, and was told I would be able to enter the dsipute online. 


After registering and signing in, I viewed a message that for security reasons you can not enter a dispute online. 
You must instead call. 

After an hour and ten minutes of hold time, I still can not submit my dispute on the website or by phone. 

I also seem unable to cancel the Experian membership via the website, and thus far unable to cancel by phone.
Product: Debt collection

I have mailed this collection company requesting debt validation. But have only received a letter of " an attempt to collect '' with my name and a total of how much I owe. with no other information or proof from an original creditor/company, showing that i owe this amount of money.
Product: Money transfer, virtual currency, or money service

Somebody got into my cash app account and block account and was transferring money to themselves in the upwards of {$8700.00} my bank did not reimburse me there is a police report for and I would like to be reimbursed
Product: Mortgage

XXXX, PaXXXX Tel:XXXX Email : XXXX XX/XX/XXXX Dear sir madam : My final complaint : The mortgage " document is a fraud because the signature on the document the bank is claiming to be XXXX signature is not that of my Ex-wife, XXXX . Thus, I 'M kindly asking that the CFPB use the services of your good office to probe this concern. For now, I 'm awaiting the bank proving to the court that my Ex-wife lied under oath to the court. The signing is hers '. 
At this juncture, many thanks for the CFPB support to people like myself and those are and have been struggling to remedy financial predatory difficulty against the most powerful e like the entity like the banks and subsidiaries. 
This missive is to acknowledged receipt of the " Company respond, Ditech Financial LLC to the Consumer Financial Protection Bureau ( " CFPB '' ) Case No. XXXX Ditech Financial LLC Account No. XXXX In the last paragraph of their letter, the company wrote : " At this time, the account is currently past due and owing for the XX/XX/XXXX payment and all subsequent payments. If you have any remaining questions regarding any potential loss mitigation option ( s ) or as to the loan account, please contact Ditech at XXXX. '' In hindsight, my concluding complaint thus : The signature on the " Note '' is " fraudulent and predatory ''. In XX/XX/XXXX when XXXX did not provide me " QWR '' that I requested, XXXX counsels reported to the court that " The bank could not provide the Note because the bank was transitioning to an electronic filing system. '' In addition, my ex-wife ( XXXX ) testified in court on XX/XX/XXXX. Under oath she explicated that " The signature on the note is not my signature, I never authorized anyone to sign for on any document/s. '' XXXX added. She concluded with this statement, " Your honor, if my signature is on any mortgage note or bank note is not my signature, '' XXXX reported. 
In sum, I 'm await the " QWR '' I have requested from Ditech to audited. For the note that Ditech and partners have been taking through " XXXX '' for is a federal crime. It is fraudulent and predatory. I need the bank to provide me an authentic verified copy of the bank Note bearing my Ex-wife. 
In the cause of the struggle, XXXX, Account No. XXXX
Product: Debt collection

I am SO DONE WITH YOUR BUREAU regarding the presence of inaccurate and fraudulent accounts on my credit report. I am certain that I do not owe these debts, and the circumstances surrounding these entries are deeply troubling. Despite updating my address with the creditors when I moved, the debtors quoted my old address when I contacted them. This discrepancy raises serious concerns about the accuracy of the information provided. I never received any notifications or correspondence regarding these debts, leaving me no time to dispute them. The impact of these fraudulent accounts on my credit report is not only financial but is also taking a toll on my mental, physical, and emotional well-being. I am distressed by the violation of federal laws, and I implore you to take immediate action in deleting these entries from ALL three credit reports. CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

US Bank account Last month and this month {$300.00} in Overdraft charges... Senior citizen on XXXX only
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shock to learn I have been a victim of identity theft. I found an account on my credit report that was not opened by me. This has been hurting me as I am in the process of buying a home for my family. please remove this fraudulent account off my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX : Social, ID, Identity Theft report
Product: Credit reporting

I would like to dispute the account that  XXXX   XXXX   XXXX  #  XXXX  has reported on my credit file. I sent a certified letter to the company by mail to the address provided online from the credit bureaus for  XXXX   XXXX  as 100 % accurate. The letter was returned to me as undeliverable and I provided a copy of the letter and a copy of the address provided by the credit bureaus along with this request. Please remove this off my credit report, the company is not accessible and can not prove this account is 100 % accurate. This is a violation according to The Fair Credit R eporting Act, 15 U.S .C. 1681. This account is hurting my credit profile and I request that you remove it immediately. Please see the attached documents showing my attempt to contact  XXXX   XXXX .   Thank you in advance
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account Number : XXXX To Whom It May Concern, This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to cease all communication with me regarding the above-referenced account. This request applies to any and all forms of communication, including but not limited to telephone calls, text messages, emails, letters, and any other medium of communication. Additionally, this directive explicitly includes any communication via my consumer report, as defined by the term " communication '' within the meaning of 15 U.S.C. 1692a ( 2 ).

As per the FDCPA, once a debt collector receives a written request to cease communication, they are required to comply, except to notify the consumer that further collection efforts are being terminated or that specific actions may be taken as allowed by law. Any further communication in violation of this request will be reported to the appropriate regulatory agencies, and I will pursue all available legal remedies.

This letter is not to be construed as an acknowledgment or validation of any alleged debt. Please provide written confirmation that you have received and will comply with this cease-and-desist request. 

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX All Rights Reserved Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

PAID FOR CREDIT REPORTS TO CORRECT ERRORS ON MY CREDIT FILE, FILE DISPUTES WITH NO RESULTS.. ITEMS ON MY REPORT ARE NOT MINE XXXX CONFIRMATION NUMER XXXX  FOR CREDIT REPORT Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$950.00} XX/XX/XXXX {$85.00} PAYS 31-60 DAYS Closed Accounts Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$7200.00} XX/XX/XXXX {$7200.00} CHARGE-OFF XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} COLLECTION ACCOUNT XXXX XXXX XX/XX/XXXXShow Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$45.00} XX/XX/XXXX {$45.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX Show Details XXXX   XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX   Show Details XXXX  XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX 120+ DAYS PAST DUE THESE ARE NOT MY ACCOUNTS AND I HAVE CALLED XXXX AND XXXX AND FILED COMPLAINTS IN WRITTING WITH NO RESULTS TO CLEAR THESE FROM CREDIT FILE.
Product: Debt collection

i recieved a letter from Carter-Jones Collection approx. XX/XX/2022, for an alleged debts in the amount of {$190.00} and & {$1600.00}. I sent debt validation letters via Priority mail on XX/XX/2022. on XX/XX/2022 I received a letter from them restating the debt, the amount, original creditor 's address, a page with XXXX XXXX XXXX XXXX letter head with SOMEONE ELSES NAME, BUT NOT the information I requested. They did not send a signed contract or any verifiable information stating that I am responsible for this person 's alleged debt. I have never signed anything stating that I am responsible for this person 's alleged debt.
Product: Debt collection

So we get this collection from XXXX XXXX XXXX on our credit report that dings our score we have done a dispute the credit reporting companies find in our favor and remove the credit from our credit just to have XXXX XXXX XXXX sell our debt ( thats not ours ) to a diffrent collection company so we dispute again and win XXXX XXXX XXXX keeps selling our debts to diffrent collection companies every time we get it removed from our credit. It has stopped.us from purchasing a motorhome. It has recently ding3d our credit from XXXX to XXXX XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX ( XXXX : XX/XX/XXXX, XXXX Account # : XXXX ). I am requesting that you submit an URGENT/EXPEDITED request to the appropriate parties ( XXXX, Credit reporting agencies, etc. ) asking that the duplicate amount of $ XXXX listed for XXXX  be deleted off of my credit report ( this should have been completed when XXXX became my new loan servicer in XX/XX/XXXX ). My total debt owed lists over {$220000.00} because of this error in XXXX reporting of debt ( one line for XXXX, $ XXXX and one line for XXXX, $ XXXX ). Please correct this error as soon as possible on my XXXX and XXXX credit reports, as I am quite frustrated with this situation. I am trying to apply for a car loan ( as my car is currently totalled due to water leaks ) but I am being denied by lenders/financers due to my current ( inaccurate ) amount of total debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX 15 U.S.C 16881 section 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A Section 2 : IT Also state a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINIG ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAT SEVEN YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Ma'am, My friend used my social and personal information to apply for a credit card using the promotional letters which banks often send out as advertisements. My social was used without my consent. I didn't authorize to file a credit card application. 
I explained this situation to Experian credit reporting agency. They didn't help me. I humbly request for your help. I have worked hard in improving my score each day by paying my debts in full. A unauthorized hit to my credit score sadly is painful to me Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I completely canceled my paid experian membership. I then signed up for a experian family plan which includes 7 days free and thereafter XXXX a month. 

Experian is refusing to honor their advertising. On XX/XX/XXXX I was charged XXXX on my XXXX card vs my agreeing to pay XXXX on or after the 7 day trial period. 

I spent close to XXXX minutes trying to resolve the situation with a agent uneducated in his own products. 

This individual insisted that I was charged additional money due to a privacy scan wrong. 

Privacy scan is included inside the EXPERIAN PREMIUM WORKS FAMILY PLAN FOR XXXX A MONTH
Product: Debt collection

On XX/XX/2017, I found an account start reporting on my credit report in the AR Resources Inc office. I faxed a letter requesting more information about account but 11 days I wake up to XXXX more accounts added on my credit report. I have no knowledge of these accounts and never received a dunning letter referencing any of the accounts. Here 's XXXX of XXXX accounts.
Product: Checking or savings account

Citibank , N.A . failed to safeguard my funds in my Savings Plus account. My account was hacked on XX/XX/21 ( probably onXX/XX/21 ) as I was able to see the unauthorized ACH debit posted to an unknown account/person in the amount of {$19000.00}. 
I was shocked and immediately tried to report the fraud to Citibank and was sent to XXXX representative XXXX ID # : XXXX and explained what I saw and asked to report this as fraud/hacking. After several transfers and was unable to hear clearly I asked for a US representative in the Fraud department. I was told these funds were completely gone and the ACH transferred without any red flag alert, security check or confirmation that this large transfer was never my habit in 39 years banking with Citibank. They said they did not transfer money in increments but in less than overnight-they fully completed this fraudulent transaction. I was asked if I wanted to dispute and then assigned CASE ID # : XXXX. 
It has been my clear pattern and habit to transfer any funds from savings into checking before executing an ACH Debit. They said all that was needed to execute this fraud was my name, routing number and account number. This was very alarming, but they did not seem to want to expedite this matter until I asked to speak to a supervisor. Supervisor XXXX ID # : XXXX then expedited this to Citibank 's PECS Department which is internal, back office and I am not able to contact them directly. I have still not been given provisional credit or return of my funds and they only will say their investigation is " ongoing '' while I can not use my funds which I need now very much.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 formally follow up on my previous complaint regarding the failure of my credit bureau remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX XXXX SYNCB/XXXX - XXXX SYNCB/TJX - XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of the Credit Bureau may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.
Product: Debt collection

SCA Collections - XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX ( XXXX ) XXXX has been trying to collect a medical debt from me since 2016, I never received any notices in the mail. I checked my credit report and saw that they've been reporting negatively bringing my score down. I have since mailed off dispute letters via certified mail through USPS and we have been corresponding with one another ; they're refusing the remove the debt. I was sent a copy of a bill ledger saying that I had a medical procedure done that totaled up to {$370.00}. I asked SCA Collections to provide actual proof that this account or debt belongs to me and on several occasions they have failed to do so. I have filed XXXX XXXX XXXX XXXX complaint and nothing was done, they still refuse to comply.
Product: Money transfer, virtual currency, or money service

a series of unauthorized transactions that have occurred on my Cash App account. Despite my attempts to resolve this matter through your platform, I have been unable to speak with a live agent to address my concerns directly. 
Upon reviewing my transaction history, I noticed several transactions that I did not authorize or initiate. I am deeply concerned about the security of my account and the potential for further unauthorized access. 

Despite my efforts to seek assistance through the app 's support features, I have found the lack of direct communication with a live agent frustrating. I believe that a conversation with a representative could help clarify this situation and expedite the resolution process.
Product: Debt collection

I do not owe any debt to CBJ Recovery for {$37.00}. I do not owe anything however it is being reported to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

This account was opened and created fraudulently by my XXXX  whom was staying with me at the time, she suffers from XXXX addiction and was using my XXXX and I as a way to fund her habits, she opened a fraudulent credit account, lied about getting a settlement XXXX and buying gifts with it, and then sold the account. This collection does not belong to me and the company is constantly calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to XXXX XXXX Bank, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX bank continues to falsely verify this account whenever I dispute this item with the XXXX XXXX XXXX, -as well as yourself, the Consumer XXXX XXXX XXXX XXXX -whom is a government entity. XXXX XXXX bank, has stated to all parties. -the Credit XXXX XXXX XXXX The Consumer XXXX XXXX XXXX XXXX and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX bank has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXX bank violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; XXXX XXXX XXXX bank above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which XXXX XXXX bank is seemingly willfully noncomplying. Furthermore, XXXX XXXX bank continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX bank, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX XXXX bank XXXX to falsely verify as accurate. This has to stop at once!