23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had contacted First Credit Services several times over the past week and received no response. They provide the option to pay online but no way to actually do this. I need to know how to submit payment online because I do not have enough information given by your company to complete the payment section online. At this point, they have called me after requesting them not to so they should be paying me at this point. 

I formally requested a validation letter of my debt. As per their original document, I am requesting this before XX/XX/XXXX so you must stop collection of this debt until you provide me with the requested documents. Any attempt to contact me after my originally request on XX/XX/XXXX at XXXX EST ( to which they have already attempted to contact me through phone on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX ) is a violation to my rights under federal law. I have requested this numerous times over the past week ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ) through the email provided and the contact us section of their website and I still do not have any documents yet they continue to pester me through phone calls and voicemails. 

I requested that they DO NOT attempt to contact me through phone. They may only contact me through email or mail.
Product: Debt collection

Repeated calls to our home, and both cell phones from this number claiming to be ally credit ( my husbands car leasing company ) for a few days and then XX/XX/XXXX they called all three numbers within seconds. 

Gave false information and wanted our loan and or social security number when I returned called them. When I questioned them they gave false information on who they were and I reported them to the fraud dept of Ally bank but they are harassing consumers and need to be stopped. 
They are calling from XXXX and telling me their call back number is XXXX both numbers are NOT ALLY bank numbers. The supervisor game me false information XXXX ID # XXXX. 
I called them back to stop the harassment. These numbers are now blocked from my home and cell phones but they are trying to scam.
Product: Debt collection

This company is breaking law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ) .Despite this, they've added a collection to my credit report This agency is infringing on my consumer rights by using misleading, false, and deceptive tactics.

I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( Account Name : XXXX XXXX, ( Account Number : XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thank You.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX, XXXX XXXX A acct # XXXX, XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX. 
Account # XXXX, XXXX ACCOUNT # XXXX Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

discoverstudentloans.com alleged that I had a sixty day late on a loan on which I am a co-signer. Unfortunately, I was probably that late but not due to any delinquency on my part but due to their not contacting me to let me know I was late. I am trying to have this blemish expunged because it was their fault. They have been unresponsive and have failed to provide documentation about this matter. 
When they got a hold of me I paid and was current with the loan until my son went back to school. 
My contact with them to resolve this was riddled with misinformation, wrong addresses, wrong social security numbers, and the list goes on.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a couple years now, XXXX is the only report I can get on annualcreditreport, com. XXXX always errors out, and Experian always displays a vague message saying something like, " a condition exists that is preventing your report from being available. '' Somehow, XXXX is completely reliable, while XXXX and Experian are not at all. It has been years since I have been able to see my report from either company. But as far as I know, there is nothing unusual about my credit situation. 

I know I could write through snail mail for the reports, but annualcreditreport, com was supposed to make the process easier.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CREDENCE RESOURCE MANA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDENCE RESOURCE MANA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$610.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

Ally financial is trying to collect on a account thats not mine nor did I sign for to be a co signer for. The date opened was XX/XX/XXXX for {$11000.00} and closed on XX/XX/XXXX. They have called and harassed me about this account and threatened me about and I tried to explain to them but they just kept on. I even checked and they are not even licensed to collect in the state of Arkansas.
Product: Debt collection

For quite sometime I keep getting abusive and harassing phone calls from Portfolio Recovery, on both my business and my cell phone. These phone calls are multiple times daily. I have asked them to stop phone communication and use the USPS mail to contact me, however they refuse to do so. I have no idea what exactly it is they are trying to collect. This is interrupting my business and my personal life. When I do answer them they use threatening and abusive language and basically do not let me get a word in to tell them to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following accounts : XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX These accounts were created without my knowledge. I tried to even pay on them to save my credit but was advised to stop per my lawyer. 

I couldnt save the fraud report but the reference number is XXXX Please remove the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax negligently allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. Their failure to secure my data has compromised my entire credit history. I have not yet been the victim of identity theft, but I am certainly at a huge risk. I checked their website to see if I was at risk for being impacted, and it said this : " Based on the information provided, we believe that your personal information may have been impacted by this event ''
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company sold my information to other company without my persimmon. I have talk to the financial company and they are denying this. The company that they sold my information to said they got my number from them. They will not return my calls now because I was made aware of this.
Product: Debt collection

I have called Capital Accounts on several occasions to inform them that the amount they have on my credit report is wrong, I asked them 3 times to retrieve the original bill, I spoke with XXXX once and XXXX 2 times. XXXX stated he would send the original bill to me via of email. I never received it I obtained the bill thru my insurance company. so once again I called Capital Accounts to make arrangements to pay he said he could adjust the amount to XXXX, what I actually owe. But when I received the email it still had the enormous amount of XXXX. I have the email and the original bill from my Insurance company stating what I actually owe.
Product: Payday loan, title loan, or personal loan

I owe a payment to Grain that was due on XX/XX/23. I began trying to make this payment XXXX. I was not able to log into my account. I tried to reset my password and the link is not working. I tried to call the number listed on my statement and it is totally automated. I emailed support and did not receive an answer for several days I went on XXXX and left a message via messenger. I received a response. That support would be in touch with me. The support specialist that I spoke with via email was a XXXX XXXX I have told him repeatedly that the links he is sending me is not working. I have copy and pasted the link. Tried in a different browser and also tried to login using a different device. All have failed. I am trying to make my payment and have been trying now unsuccessfully for seven days, I have asked the support specialist if I could change to automatic draft and they do not answer this question I ask for an address and just received it today. However, I was told that I should not be using the address because my credit contract states that they take it directly from the bank, I can not do this because I can not login to make the payment or to even set up an automatic pay. I really need help resolving this issue. I have screenshots of everything all conversations and links. Were have tried multiple times daily to login.
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 confidentiality under 15 USC 1681. 


XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 



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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 


XXXXXXXX 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

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

In accordance with the Fair Credit Reporting act. 

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

XXXX XXXX XXXX  XXXX Account number XXXX XXXX Account name XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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.

This is not my name " Formerly Known As XXXX  ''
Product: Money transfer, virtual currency, or money service

Cash APP- I had my bank card linked to the app along with my bank account information. While I was out having dinner with my kids at a restaurant. I received a notification from cash app that a transaction just took place on my account for XXXX in the amount of XXXX XXXX 

I contacted Cash app right away to let them know that I did not make the purchase, I also contacted XXXX and my bank. XXXX could not find the transaction since the purchase was not made on my XXXX Account. I contacted my bank and had to cancel my debit card and I was issued a new debit card. 

Cash App said that he did a short investigation and since I used my account in the past ( years ago ) on XXXX that they are assuming that the current transaction was mine. This has been an ongoing nightmare.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$6000.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX  XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$1300.00} Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$19000.00} Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$1300.00} Other Identity Theft Company or Organization : XXXX  XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$1000.00}
Product: Credit card

On XX/XX/year> I used my XXXX XXXX from XXXX, at a XXXX ATM at the XXXX at XXXX XXXX XXXX in XXXX CA. I tried to withdraw {$100.00} dollars and the transaction was denied due to my financial institution declining the transaction. I tried to withdraw again and I had the same error. I went to check my balance and XXXX dollars was missing. No money was dispensed by the ATM and my card got charged. I called the XXXX ATM customer service and they said they could not help me as I have to do a dispute with Dasher Direct. Next I called Dasher Direct support and they had me fill out a form to dispute the claim and I submitted the information but have not heard back from them ; not even a confimation email from them.
Product: Credit reporting or other personal consumer reports

I have repeatedly informed you about inaccuracies on my credit report, yet I continue to be ignored by both you and the credit reporting agencies. This ongoing disregard is causing me unnecessary stress. I will be forwarding a copy of this to the Consumer Financial Protection Bureau ( CFPB ) XXXX and consulting an XXXX about my XXXX options as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX and TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} or XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} or XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}.
Product: Debt collection

Dear [ Loan Servicer 's Name ], I am writing to formally request that you immediately cease all actions and communications regarding my student loan account under the rights provided to me by 15 U.S.C. 6802 of the XXXX XXXX, also known as the " Privacy of Consumer Financial Information '' provision. 

According to this statute, I am entitled to have control over how my personal financial information is shared and used. You are hereby directed to : Cease all communication with me related to my student loan account, including but not limited to phone calls, emails, letters, or any other means of communication, unless required by law or my express consent. 

Cease the sharing of my financial information with any third parties, except where required under applicable law or regulation. 

Please note that any further communication or attempt to share my personal financial data without my written permission will be considered a violation of my privacy rights under 15 U.S.C. 6802 and may result in formal complaints to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).
Product: Mortgage

I have had a home mortgage since 1997. I have always paid extra into the escrow to insure the insurance and taxes are paid. I am in good standing. XXXX sold my morgage to NationStar. XXXX said the terms will be the same. NationStar is now charging me fees of {$75.00} to pay taxes and insurance from my escrow account