23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a formal complaint regarding multiple debt collection companies that have reported inaccurate, outdated, and unverifiable information on my credit report. Additionally, these companies have engaged in unfair collection practices, including harassment and using threatening tactics in an attempt to collect alleged debts. Below are the details of the collection accounts in question : Account Name : Collection account from XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Complaint : This debt is inaccurate and outdated. Attempts to validate the debt were ignored, and the company continues to report incorrect information. 

Account Name : Collection account from XXXX XXXX & XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Complaint : This company has used aggressive and threatening tactics, violating fair debt collection practices. The debt is unverified and appears to be beyond the statute of limitations. 

Account Name : Collection account from PORTFOLIO RECOVERY Account Number : XXXX Date Reported : XX/XX/XXXX Complaint : The company continues to report outdated debt, causing unnecessary damage to my credit report. Despite requests for validation, they have not provided sufficient documentation. 

Account Name : Collection account from XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Complaint : This debt was settled years ago, yet it remains on my credit report. The company refuses to remove it, which is a violation of the Fair Credit Reporting Act. 

Account Name : Collection account from PORTFOLIO RECOVERY Account Number : XXXX Date Reported : XX/XX/XXXX Complaint : The company is reporting an old, time-barred debt and has failed to comply with validation requests. They have also engaged in harassing phone calls and misleading statements. 

Summary of My Actions I have repeatedly disputed these accounts and requested validation from the companies, but they have either ignored my requests or provided insufficient documentation. Their actions violate multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically : Reporting inaccurate and unverifiable information ( FCRA ) Harassment and use of abusive tactics ( FDCPA ) Failure to validate the debt upon request ( FDCPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Certified lettershave been sent to XXXX  # XXXX and XXXX   # XXXX they have refused to VALIDATED & investigate all accounts that were list on paperwork I have asked called they now state they were never sent or have recipe any CERTIFIED mail from me which is a Lie I'm now ready to file lawsuit against them for not VALIDATED proof that these accounts are my accounts and the amount they have stated I owe is true I also request a Certified copy of the True Bill as proof all updates of the Investigation shall be sent to me by email @ XXXX by XX/XX/2018 I gave them 25 days to reply and they have refused all actions I have requested them to do also I stated that a IRS Tax Lien Claim also be VALIDATED all claims have been denied from these companies to VALIDATED these claims UCC 1-308 WITHOUT PREJUDICE
Product: Checking or savings account

on XX/XX/2023 we attempted to call USAA to resolve an account that was overdrawn. After being out of the country for 2 months, my family and I returned to see that our account was frozen, information changed to reflect us residing in California, and no one notified us. When we called, we were told that a " through investigation was done and it showed that the transactions occurred in our general area '' ie California, not Texas. My husband and I were never called, nor were notified by mail of any of these changes. The stated that they should have, although we have no record of a call from them. The only thing that was sent to us, which we did not have access to, was an email. We were told that we are out of luck and will have to bring the account current prior to accessing any additional funds.
Product: Credit card or prepaid card

Two fraudaulent transaction were made on my Credit Card with Fith Third Bank, These two transactions were made in a place called XXXX XXXX XXXX, place I dont know, amounts of {$1400.00} and {$2900.00}, I filed a claim with bank on time when I noticed the fraud, In those days I got a letter saying that I had talked to someone in the bank and I gave permission to withdraw that amount as a payment from an account I dont even own, The bank is denying my claim because they say that the card was used in person in that place because the card has a new technology that can be used only with the card and no counterfeit cards, I did not make those transactions, and the card has been always with me on my own possession.
Product: Debt collection

In XX/XX/2020 I informed FirstSource Advantage , LLC that our account with XXXX  XXXX XXXX ending in XXXX XXXX for {$1700.00} was assigned to XXXX XXXX XXXX ( a credit card payment consolidation company ). 

We informed XXXX about the situation and accepted to include the bill to our credit card consolidation file. Today we received another bill from FirstSource dated XXXX. 

We want FirstSource to stop harassing us regarding this bill. You may contact us at our home phone XXXX if you need more details. Thank you. 

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

I am a victim of Identity Theft and I have reached out to these companies stating that this is not my unknown fraudulent inaccurate accounts and addresses. There is so many violations on my consumer report including collection/charged off accounts that are not mine but still listed as open on my credit report. Account types are not listed, last date active is inaccurately dated for a post date. These accounts inaccurately and fraudulant contain information under the Bankruptcy Act. Because these companies have violated me i have expeirenced traumatize mental and financial.
Product: Debt collection

I do not have a legal obligation to this company.There are no signed contracts with them. Yet they have reported the debt as delinquent to the credit bureaus. I have provided them with court documents providing proof of the current and legimate mortgage holder. They continue to harass me with constant mailings. This has been going on for months. They are a debt collection agency posing as a mortgage company.Their reporting date is  XXXX     2010. Also they have issued an insurance policy WITHOUT my signature on an insurance application and without having insurable interest. Totalling illegal yet they are allowed to continue to operate.
Product: Credit card or prepaid card

I have a 0% APR balance transfer for the duration of a year on my account. I have been paying off each month this balance. On the month of XX/XX/XXXX I made some purchases on my car, which were posted on my most recent statement issued on XX/XX/XXXX. On that statement Discover is charging me interest for this purchases. Since the APR is 0% for a year, and this purchases were posted on this recent statement which is still not due until the XX/XX/XXXX, I should not been charged any interest. I called Discover on XX/XX/XXXX regarding this. I spoke first with an agent which could not give an explanation, and after that I spoke with a supervisor name XXXX which did not provide an legitimate answer. He claims that because I am carrying the 0% APR balance transfer, but then I made regular purchases, because I did not paid the full balance on my last statement, (which by the way, did not include the regular purchases, then I was charged interest for the most recent purchases which were posted on this statement issued on XX/XX/XXXX, not the one issued on XX/XX/XXXX. I should not be subject to any interest since the balance transfer is a different category subject to a 0% APR. This recent purchases are subject to my regular APR but were posted on this last statement which is not due yet.
Product: Credit reporting or other personal consumer reports

Company reported late payments on my report which is a violation of U.S 15 Code1666 B and 15 U.S Code1681illegal reporting of late payments and permissible purposes
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am writing to officially request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows XXXX credit inquiries that I did not authorize. 
XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I would like to highlight the following concerns regarding these hard inquiries : XXXX. Unauthorized Inquiry : I have not given consent to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX to perform a hard inquiry on my credit report. These unauthorized inquiries have been detrimental to my credit score and overall financial well-being.

2. Lack of Information : I am unaware of the specific purpose for these inquiries. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
XXXX. Possible Error : It is possible that these inquiries have been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of these inquiries.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of these disputed inquiries. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period.

Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile. 
XXXX. Updated copy of my credit report reflecting the amendments made. 

I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 

Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 

Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have a loan with Prestige Financial, I have been making a payment every other week for about 6-8 months. My actual payment is due on the XX/XX/XXXX of the month.XX/XX/XXXX I received an email about the payment. I sent a payment authorization on Tuesday morning and advised that I would notify the office the following week around the time that I sent the payment. They started harassing me emailing me over and over again up until Thursday. I begged them to stop, I advised that my plate was currently full, however, I have not missed a payment and I would be contacting them as promised. I check my email on Monday and there's a message, I asking to set up a payment arrangement. My payment isn't 30days late, I paid 1/2 already and there has to be a law that protects consumers from being harassed. This was ridiculous, I could not believe that I was receiving so many emails.
Product: Checking or savings account

Early last year I received a check from a company indicating I had won a lottery check which I deposited into my Capital One checking account. I was not aware that this was a bogus check which was returned. From that moment on my bank decided to not only close my account but reprimanded me on a phone call and this also included two credit cards. I was not given the opportunity to adequately respond as no one at the bank wanted to hear from me. Essentially I was bodily ejected from the premises without any chance to defend myself. When this happened I contacted the Office of the Comptroller of the Currency to lodge this complaint. I was sent a letter from them indicating that this bank responded to my initial complaint which was not true. I was never contacted by this bank at all. First my accounts were closed and now I am told they responded to my complaint which is not true. Please clarify this problem I have Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am currently writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant 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 transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is unacceptable to hardworking consumers who have been wronged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2018.
Product: Credit card

I noticed an undisclosed {$150.00} annual fee, when I checked my Terms and Conditions it stated the annual fee was only supposed to be {$99.00}. I inquired and requested a refund of the difference, the manager said that the new Undisclosed annual fee was {$150.00} and they wouldn't do anything about it. I canceled the card and a Manager guaranteed me that since I was canceling the {$150.00} would be refunded. It was not refunded after 10 days. I called again and they said it would take until XX/XX/XXXX to reflect. I advised I would make the payments as soon as the balance was corrected. They have not corrected the balance and when I attempt to communicate via chat or phone call I'm sent in a loop and hung up on.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding serious inaccuracies and violations related to my credit reporting. My concerns primarily revolve around false Social Security numbers associated with my account, unauthorized inquiries, unauthorized accounts, and discrepancies in my reported balances. Despite my efforts to dispute these issues with the reporting company, they have failed to conduct proper investigations and consistently deny my requests. 

Under **15 U.S. Code 1681o**, consumers have the right to seek damages for willful noncompliance with the Fair Credit Reporting Act. The inaccuracies in my credit report not only misrepresent my financial standing but also have a detrimental effect on my creditworthiness. 

XXXX. XXXXalse Social Security Numbers** : My credit report contains false Social Security numbers linked to my account, creating confusion and further complicating my credit history. This raises significant concerns about identity theft and the accuracy of the information being reported. 

XXXX. **Unauthorized Inquiries and Accounts** : I have identified several unauthorized inquiries and accounts that I did not open. These entries are not only inaccurate but also violate my rights as a consumer. Despite my attempts to dispute these entries with the credit reporting company, they have not provided satisfactory resolutions, ignoring my requests for validation. 

XXXX. **Inaccurate Balances** : There are discrepancies in the reported balances on my accounts. These inaccuracies misrepresent my financial situation and have the potential to harm my credit score.

4. **Disclosure of Personal Information** : Additionally, the company has disclosed my personal information, including permanent addresses and phone numbers, in public records. This unauthorized dissemination of my information is a serious violation of my privacy rights. 

Despite my repeated attempts to resolve these issues directly with the reporting company, they have failed to investigate my claims adequately. They continually deny my requests without providing proper justification or resolution. 

I urge your office to investigate these matters thoroughly and take action against the reporting company for their failure to comply with the Fair Credit Reporting Act and the protections afforded to consumers under **15 U.S. Code 1681o**. I seek to have these inaccuracies removed and my rights restored. 

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize the creation or association of these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report without delay. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} CREDIT XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$19000.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, which I was unaware of until recently. I believe these inquiries are the result of a data breach, and I did not authorize any of these inquiries. Therefore, I am requesting that these inquiries be removed from my credit report immediately. Below are the details of the inquiries in question : 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 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 XXXXI am formally requesting that Equifax remove these unauthorized inquiries from my credit report immediately, as they were not initiated or authorized by me. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and expect a timely investigation and resolution of this matter.Attached are the necessary documents to support my dispute : A copy of my credit report highlighting the unauthorized inquiries.A copy of my ID and proof of address.A brief statement detailing the data breach and my lack of authorization for these inquiries.Please remove these inquiries from my credit report and provide me with a written statement of the corrections made. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 I submitted a dispute to Transunion on the following items below. To this day Transunion has not responded or investigated the following issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

Transunion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

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, credit repair services, or other personal consumer reports

The credit bureau is reporting inaccuracy on my report I asked them to do a thorough investigation and they did. But I also did a thorough investigation and found several inaccuracies on my report. I seen massive inquiries! such the ones below 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 In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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 an account without my written instructions.