23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a phone call at XXXX XXXX ET on XXXX XXXX, 2016 from the office of " Attorney XXXX '' of Asset Recovery A ssociates, Inc. ( ARA, Inc., phone XXXX ). The call alleged that I was named in a judgment hearing by XXXX XXXX, for a debt that was almost XXXX years old. The person on the phone asked if I was aware of this litigation, which I was not. She then proceeded to say the debt was attached to my SSN ( which she did not give ) and recited my date of birth. She kept repeating the name " Attorney XXXX XXXX '' in response to any inquiry I had, as if that was supposed to scare me into paying on the spot. I told her to send any information regarding this matter to me, in writing, and hung up. 

While I do not dispute this almost XXXX-year-old debt, I am complaining about the fraudulent, intimidation practices used to try and collect this debt. If I were truly being sued, I would have received formal, writren notification by now. 

I have also filed a complaint with the XXXX of XXXX Illinois ( XXXX complaint # XXXX ), as an internet search showed that this company had multiple complaints ( XXXX and otherwise ) against it. Thank you. 

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

XXXX XXXX XXXX reported to all three credit bureaus ( Equifax, XXXX and XXXX ) that my credit card account was close which resulted in my credit score dropping. I use XXXX to monitor my credit and get alerts. XXXX XXXX reported this incorrect information to XXXX on XXXX, Equifax on XXXX and XXXX on XXXX
Product: Debt collection

Portfolio recovery has now called me 8 times between XXXX and XXXX even using a false number which is provided below XXXX
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Vehicle loan or lease

I had a XXXX XXXX XXXX plugin leasing car which I returned to XXXX XXXX XXXX on XX/XX/2018 and at the same time I purchased a new XXXX XXXX XXXXXXXX XXXX  there which was the best option offered to me that day. 

I really enjoyed my leasing car and kept it very well, replaced with new tires before returning it to toyota. The only damage was the windshield crack caused by a flying stone while driving on the freeway. When that happened, I first checked with my car insurance company and was told that it would be fully covered if I want to fix it. Since it was a leasing car, the insurance company suggested me to contact Toyota. When I called Toyota, I was told that I don't need to worry about that at all because it is not personal damage. Then I didnot bother to let the insurance company fix it. 

On XX/XX/2018, when we shopped around for a new car at XXXX XXXX XXXX, the persons there again confirmed me that should not be an issue at all and they even told us, if we didnot tell them, they even could not notice that. Happily we returned the leasing car there and got home with a new XXXX XXXX XXXX XXXX. 

To our surprise, more than two months after we returned the leasing car at Toyota dealer, we finally received the leasing end statement from Toyota Financial Services ( XXXX XXXX, XXXX XXXX, IL XXXX ) with a {$1000.00} plus tax {$81.00} for excessive wear and use ( just the windshield replacement ) in addition to the {$350.00} plus tax for the disposition fee. Moreover, they put due date of XX/XX/XXXX, only 13 days after we received the final statement, which is really unfair. 

Toyota kept informing us before our return and at the time of our return that we don't need to worry about and which is not a personal damage at all. Otherwise we could easily get it fixed by our insurance company for free before the lease car was due for return. 

According to XXXX XXXX that a windshield replacement typically costs between {$100.00} and {$400.00}, including labor with the average cost ranging between $ XXXX {$230.00}. The estimates from my local body shops are all about $ 200- {$250.00}. It is ridiculous that a car maker needs to charge total {$1100.00} for a windshield replacement. 
It is hard to believe they scam their customers this way, especially we immediately purchased a new XXXX XXXX at the time of returning the leased car. We really hope you can do further investigation and assist us in resolving the issue.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX MY LAST NAME : XXXX XXXX XXXX XXXX XXXX security freeze
Product: Money transfer, virtual currency, or money service

Id like 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. It is unacceptable because there is no accountability or transparency which concerns me about consumers safety.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I checked my inquiries and saw Bank of America XX/XX/XXXX on my report as a inquirie never applied for any credit. XXXX XXXX on XX/XX/XXXX never applied for any credit. Bank of America again XXXX and XXXX XXXX again on XX/XX/XXXX. Than I see this XXXX on XX/XX/XXXX dont even know what this is never applied. On XX/XX/XXXX XXXX appeared dont have any knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANTED TO BUY MY XXXX YEAR OLD SON A NEW CAR FOR HIS BIRTHDAY. I GOT MY CREDIT PULLED AT THE DEALERSHIP. THERE WAS STUFF ON MY CREDIT THAT I HAVE NEVER SEEN BEFORE. PLEASE REMOVE THESE THINGS FROM MY CREDIT
Product: Debt collection

I monitor my credit every month, and noticed a Debt added on to my credit that does not belong to me. 
Collection Agency : Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Date on my collection Report : XXXX XXXX, XXXX Amount of debt : {$600.00} Date of Service :?? 
Provider of Service : XXXX XXXX Hospital I asked them to give me proof that I owe this debt, a itemized bill, my signature on it, something from the hospital, they never sent me anything. I sent them a HIPAA violation letter, they ignored it and reposted it to my credit bureaus, XXXX and XXXX as valid. 
I have written letters to each credit bureau stating its not mine, and they updated saying verified by creditor, yet no one has showed me anything, as this was not me.I was even out of the country when this bill supposedly took place!!! 
this debt is not valid as i have NEVER BEEN TO THIS HOSPITAL EVER. 
I called Debt recovery, they were very rude to me on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I own my home out right. I also own a 28 acre parcel. Yet my credit score is lowered because I have a paid off mortgage.
Product: Credit reporting or other personal consumer reports

Hello CFPB im Making My Complaint Today Against Midland Credit Management They Are Reporting False Information To My Credit Reporting Saying I Owe An Alleged Debt Which They Are Breaking The Law Because This Company Is Not Licensed & Bonded In The XXXX XXXX XXXX  To Collect From Me. 

Contacted Debt Collector Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Signature They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading False Accounts. 

Under 15 U.S. Code 1692d- Harassment and Abuse I Have Been Harassed and Have Trauma This Account Is In Violation. Under 15 U.S.C. 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence. 

Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you MIDLAND CREDIT MANAGEMENT that I refuse to pay the alleged debt you are claiming I owe on Account Number XXXX, and I DEMAND you cease & desist all further communication in compliance with this law ; Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information ;
Product: Debt collection

I do not own a XXXX XXXX  & therefore do not own this debt. I have repeatedly tried to call Diaz & Associates & I get no answer & can not leave a VM as their maibox is full ... They tell me that I must respond by XX/XX/2021 & so I finally just sent them a text today on XXXX disclaiming this charge to their text number ... I will freely give you the info as follows, as I don't own this debt : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX CA XXXX ... Telephone # is XXXX, FAX # is XXXX, stmt was dated on XX/XX/XXXX of 2021 & after many repeated attempts unable to contact them I finally faxed them today on XXXXto dispute this charge ... Other pertinent info from this outfit from this notice is as follows : XXXX XXXX, acct # XXXX ( which I do not own ), File # XXXX, Balance of XXXX, & just as long as I pay XXXX by XXXX will call their dogs off ... I've learned that they have a # of fradulent claims that people have reported abouit this debt collection agency to CFPB, so pls get back w/me asap, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I did not get the promotional offer when I signed up for my credit card with Shell gasoline. The promotion was 6 fill ups at a XXXX per cent per gallon discount. Plus, I'm supposed to save XXXX cents per gallon every fill up.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

This is my 3rd time sending out a request to this company and they have failed to validate the following inaccurate accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report, and I noticed that there is inquiries that it's not authorized by me. Those inquiries show on my credit report by somebody who has my information and try to open up a credit cards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a 90 day late payment being reported on my XXXX XXXX account # XXXX for XX/XX/XXXX with Equifax, XXXX XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they have come back and stated that they verified it as accurate. I was in an approved financial forbearance during the time that the delinquency is reporting. I have attached the documentation, so how are they verifying this entry as accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to set up a payment plan with the company made my first payment and asked if there was a way for me to get a copy of the payment plan for my records in the event that i want to show it for proof when renting an apartment and was told that they can not give me no such thing and i believe that is not right if i am paying it off as the consumer.
Product: Checking or savings account

I have a debit account with American Express ( Bluebird ) where my Social Security Check and retirement check are directly deposited. I only make 2 payments from this account, 1 ) My truck payment to XXXX and 2 ) a payment to my ex-wife. I received the following e-mail from American Express this morning at XXXX XXXX.. 
Hi, XXXX XXXX, During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended. 

If you have any questions, please call Account Protection Services at XXXX. 

Thanks, The Bluebird Team I have done nothing to violate their policies. The only thing I can think is that someone has hijacked my account. I have made repeated calls to American Express with no resolution. They have blocked me completely. Last I checked there was {$460.00} in my account and I no longer have access to it. Can you please help me? 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$970.00} .I have an extended fraud alert place on my file due to recent identity thief. This account does not belong to me. I have tried to fix the account with Experian with no luck.
Product: Debt collection

I am not responsible for this debt. This debt belongs to XXXX XXXX XXXX ( a previous employer ) and should be removed from my credit report. I want this debt removed from my credit report as I am not responsible for it, and I want no further contact from Jefferson Capital and the debt should not be transferred to any other collection agency. Please cease & desist immediately.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy reporting on my credit file that is very old and doesn't belong on my report. 

Also my name is NOT correct, I have sent in my ID 's and still nothing has changed. My credit file should reflect XXXX XXXX Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX.
Product: Debt collection

Received contact in regards to a debt that was 9 or 10 years old. Attempting to collect and threatening legal action against me. Stating needed to resolve within 72 hours not giving enough time when I have had no original information on the threat. Not giving reasonable or affordable options. At one point was homeless after getting separated from the military. So is a debt that was many years ago and haven't received any notification in years and just now threatening wage garnishment
Product: Checking or savings account

Chase restricted my accounts without explanation. Not even at the branch am I able to open a new account. To my knowledge, I have done nothing to jeopardize my relationship as a client with them. It is more infuriating when they can not tell you the reason why. How am I supposed to fix something when I do not know what's going on?
Product: Mortgage

Midland Mortgage bought my loan from my first lender in 2022. The first lender provided all documentation, including a partial claim created due to the COVID relief period. They did not follow up or create an account with the USDA department regarding this partial claim. Even though they were given the information, their irresponsibility made a legal loop cashing the title of my house to have a partial share and no account on the USDA department about that partial claim they received. They have not provided any solution, assistance, help, guidance, or way to solve this matter. They are unwilling to help me do any of the steps mentioned before. Their customer service is rude, lies, and does not understand the legality of the case, but they avoid the calls, and when they respond, they argue with me as a customer instead of helping me to create this case! This has affected my ability to sell the property and has made derived costs for the seller and buyer in my case. They are wholly irresponsible and deceive me as a customer into following their unreasonable customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX