23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request validation of the alleged debt referenced above, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt, and I am requesting that you provide the following information to verify its legitimacy : The name of the original creditor.

The amount of the debt, including a breakdown of all fees and interest.

A copy of any agreement bearing my signature that shows I agreed to the debt.

Proof that you are authorized to collect this debt on behalf of the original creditor. 
A complete payment history, including when the debt was incurred and the date of the last payment. 
Until this information is provided, I request that you cease all collection efforts and communication regarding this matter, except for providing the requested validation. Please note that failure to provide the requested information will be taken as your confirmation that this debt is invalid. 

Additionally, be advised that any further attempt to collect without validating the debt may constitute a violation of federal law and could be reported to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Please respond to this request in writing at the address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I'm writing this letter to dispute a billing charges to my CHASE credit card in the amount of {$1200.00} that occurred on XX/XX/2018 from XXXX marketplace. I have not receive the item of purchased, when it showed it was delivered and was even sign off with my initial when i track the status of shipment on XXXX. I've also request the authentic hand signature when sign off the packages as well with travel history of the item and it appear to be false signature. I'd immediately contacted the seller XXXX in regards of the problem and have come to an agreement to have the charges directly credit back to my accounts. Yet the balances is still have not been resolves.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit profile, I have incorrect names and addresses that appears to be outdated and/or incorrect for all three credit bureaus.
Product: Mortgage

The ordeal with Ocwen continues. I called Ocwen this past Friday to ask for the status on my claim : i.e. pending delivery of my closing documents such as stock certificate, proprietary lease, promissory note, loan agreement among others to be delivered upon completion of loan payment. 
The representative who answered the phone ; XXXX, after placing me on hold for a few long minutes to research his system, indicated that there was nothing pending. There was no request for the closing documents anywhere in his system. 
When I indicated that I had received communications from XXXX and XXXX that they were expecting to receive the documents by XX/XX/XXXX ( day of my call ), XXXX did n't know who XXXX was and said that XXXX was at a different office. However, when I asked for his direct phone number, XXXX realized that XXXX indeed worked in the same office and transferred me to him. 
XXXX indicated that he did n't have any updates and that he would call me by Tuesday ( today ) to let me know where were them on the receipt of documents. He also said that they had hired an attorney to go after the documents from XXXX XXXX. 
When asked what had taken them so long to go after the documents they know or are supposed to know that they needed to deliver to me, he had no answer. 
How is that almost a year after the loan has been paid off, and Ocwen did n't know who the real owners of the loan are, who was the management company, etc. 
If I did n't state this on my last response, they would 've kept going after people I do n't even know. 
I strongly request that Ocwen release the closing documents they need to provide me upon receipt of full completion on loan payment and advise me when am I to receive them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company has violated my rights. Please See attached and address the issues within this case immediately. I am kindly asking for a settlement. 
Let me know if you have any problems accessing the file. There is also pdf/picture versions attached below if you don't want to use the link. Thanks. 
Access code for link is attached below **Please note credit reporting agencies shall not report any item/account that is in ripened litigation/controversy. Failure to remove this unauthorized account will result in a Defamation lawsuit ** Link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Link expires on : XXXX Regards, XXXX XXXX
Product: Checking or savings account

I had a account with regions and I stayed getting a overdraft charge they couldn't explain where and how i got them I went and talk to a representative in the bank he was very rude and told me it's nothing he could do until I pay the balance
Product: Credit card or prepaid card

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX.
Product: Checking or savings account

On XXXX at XXXX ... {$7000.00} was fraudulently transferred from my Chime savings account to an unknown XXXX account. I have filed disputes with Chime, XXXX, the Federal Trade Commission, XXXX, and the police department. 
Someone please help me.
Product: Credit card

I have 2 defered payment interest free promotional charges from Synchrony Bank I had been making the reqired monthly payments The XX/XX/2022 statement showed a " New Purchase ' '' of {$2300.00} which did not make I called and was advised it was an allocaion error and would be resolved I called every month and spoke to a different person each time They assured me it would be resolved I decided to pay off the balances on each purchase hoping it would fix it ] I receivedd a letter on XX/XX/XXXX saying my balance was {$0.00} My XXXX statement showed a new balance of {$780.00} Why? I paid up in full I have spoken to customer service, collections, payments processing and fraud departments. I can never ge a single person to work with, they say they can not call me back ( they only take incoming calls ) and after an hour on the ph0ne I get cut off I have a record of all the people I have spoken to over the last yesr Now they say i owe over {$800.00} and they reported me as delinquent and dropped my credit score 110 points
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX stating I owe this debit. I have filed report after report that this is not mine and I know around the tine when the account was opened my identity was stolen. I had my wallet stolen and drivers license and ss card was all in my wallet. I had a car bought during that time and now a account opened. I am not sure what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX 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 a account without my written instructions.
Product: Debt collection

From my limited understanding, someone opened a XXXX account under my name on XX/XX/2020 and spent {$3400.00}. 

The original creditor is XXXX. Currently the creditor is Jefferson Capital System. One of their debt collector agencies contacted me a few months ago. I informed them the account was not mine. The account was opened under an email, physical address, and phone number that did not belong to me. 

XXXX  has already blocked the account from my credit score report. XXXX  denied my request to block the account from my credit report. I filed my dispute with XXXX  today. 

XXXX  requested further information from me in order to block the account. They were not specific as to what information they required. I hope that this complaint will help me continue to contest this fraudulent account.
Product: Credit reporting or other personal consumer reports

XXXX ACCOUNT XXXX XXXX DATE OF LAST ACTIVITY ARE INCORRECT DATE OPENED ARE INCORRECT DATE CLOSED ARE INCORRECT LAST PAYMENT ARE INCORRECT PAYMENT HISTORY ARE INCORRECT Last but not least, I have contacted XXXX XXXX about the charge off and they have sent me my 1099c ( 2022 tax year ). Since this is recognized as taxable income. This account should not continue to report as debt any longer as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX
Product: Debt collection

The collections on my account are fraudulent and collection companies do not match. Please remove these accounts as they are affecting my livelihood. 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

When I reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

To whom it may concern. 
I find it very suspicious that, right after I reported this account as fraudulent to Equifax. And was in the process of getting it removed from my credit file, the original furnisher, XXXX XXXX XXXX  has suddenly resold it to XXXX XXXX, XXXX. And they XXXX XXXX XXXX representatives was very rude on the phone when I called and asked for validation of the account. 
A collection agency that has been sued numerous times for their unlawful collection practices. 
This old unverified debt has reappeared on my credit report as a new account. According to the FCRA The re-aging of an old debt is illogic. And is punishable with a fine up to {$1000.00}. Equifax has allowed this nefarious debit buyer to park this junk debt on my credit report and re-age the status. It is unethical and illegal. Their behavior has caused my credit score to drop XXXX points. And has caused me an enormous amount of stress and anxiety with my family. I want it removed from my credit file immediately and permanently. 
Partial account numbers as seen on my myFICO credit report XXXX - XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute-resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

they refused to answer questions and then hung up on me at exactly XXXX. They were very rude and wouldnt explain their poloicies.
Product: Debt collection

LVNV Funding LLC {$420.00} XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX {$140.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$13000.00} XXXX XXXX  XXXX XXXXXXXX XX/XX/XXXX {$6800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I have contacted the following companies and they referred me to the credit bureau for this issue. They would not remove the hard inquires. I have stated that I did not apply or give them authorization to pull my credit.

Please validate this information with these companies and provide me with copies of documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Checking or savings account

I had a joint accident with someone and they let Child support take all of the money.
Product: Debt collection

XXXX XXXX SOLD MY FRAUDULENT ACCOUNT TO ACCOUNT RECOVERY SERVICE AND WENT ON MY CREDIT WITHOUT VALIDATION, CALLED MY HUSBAND CELL 11 TIMES AND HAVE XXXX HARD INQUIRIES ON MY XXXX  CREDIT TREPORT. 

LASTLY, PAID XXXX XXXX I ERROR ANDREFUSED TO REFUND MONIES. XXXX XXXX ALSO, CALLED AND TRIED TO COLLECT SAME ACCOUNT. 

ALL OF YOU ARE IN VIOLATION OF THE DODD FRAN ACT. 

THERE ARE ATOTAL OF COLLECTIONS CLOWNS ON MY CREDIT, CALLED CELL, FAILED TO VALIDAATE DEBT, ALL ARE REPORTING ON ALL BUREAUS. 

YOU WILL BE SUED IN CLASS ACTION ALONG WITH THE OTHER CLOWNS AND U.S CELL.
Product: Credit card or prepaid card

My American Express Membership Rewards account was blocked for back office review since XXXX, 2019. It has been 4 months ever since, and I have tried to contact American Express multiple time to try to resolve or even to get a status of the review without any success. Multiple front line customer service representatives have promise me they will ask back office to contact me to update me with status of the review but I have never receive any updates. I am not sure why my account was reviewed and blocked, but I would like some transparency on this process and to understand what more they can review my account after 4 months. Since then, I have missed many opportunities to use my earned reward points for multiple travels through the holidays.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed PNC account that is showing on my credit report as a XXXX off with the original creditor ( PNC ) as well as all 3 bureaus ( XXXX, XXXX and XXXX ) both through mail and online- several times. All disputes came back verified which is inaccurate. 

The account that is reflecting as a charge off is a result of a {$300.00} fully secured credit card that I obtained through PNC. The charged off delinquency is for {$240.00}. From my understanding and knowledge of a secured financial product and the excerpt taken from the Terms and Agreements for Secured Credit Cards from PNC website it states " if I ask you to reduce the credit limit on my Account, or if you or I close my Account, you may use my Security Deposit to reduce my existing obligations to the new lower credit limit, or to zero in the event of closure. If you apply my Security Deposit against my obligations, you may allocate my Security Deposit among my obligations as you in your sole discretion deem advisable '' - this fully secured account should have never been charged off, instead the {$300.00} used to secure the {$300.00} credit limit should have been applied to the balance and the account as a result should have been closed out - not charged off. 

I have been going back and forth forth with both the CRA 's and original creditor PNC, sending letters explaining why I don't owe this and requesting validation of the debt, like a copy of the bill or contract for the debt they're reporting. I received nothing. However, this inaccuracy has not been addressed and continue to report as a delinquency on my credit report. This is unfair and a violation of not only their data furnisher responsibility but the Fair Debt Collection Practices Act. 

I sincerely hope the CFPB can help me get to the bottom of this as my next recourse is litigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under code 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hold two credit cards with JPMCB. But three cards appear on my credit report. I phoned JPMCB to inquire, and they confirmed that there was a third card, with middle digits XXXX which was being used by someone else, who either has my same name or was abusing my name. 

The representative at JPMCB explained that sometimes a card registers to a person with the same name can be assigned to the wrong credit report. In this case, he stated that he would issue a letter to each of the credit reporting agencies and notify them of the error and have that card removed from my credit report. 

This can take up to 7-10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$590.00} ), XXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$590.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$1000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$650.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 


I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 
The information I am disputing is as follows : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX  XXXX {$430.00}
Product: Debt collection

I have been receiving numerous calls from Dynamic Recovery Solutions attempting to collect for a debt for someone else that does not belong to my phone number. I have requested to be added to the Do Not Call list multiple times and they have repeatedly called me even after requesting the DNC.

I am requesting formal complaint against this company for it's tactics and repeated violations of the Do Not Call provisions of the Telemarketing Sales Rules. 

Received call XX/XX/XXXX XXXX CST DynRecServices ( XXXX ) XXXX Outbound Call XX/XX/XXXX XXXX CST DynRecServices ( XXXX ) XXXX - Requested DNC ( After Requesting DNC ) Received call XX/XX/XXXX XXXX CST DynRecServices ( XXXX ) XXXX