23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recieved a summons from a lawyer representing Absolute Resolutions Investments , llc . XXXX. 
The complaint alledges that I owe {$1100.00}. 
I checked my credit report and saw that Absolute Resolutions Investments , llc had already reported this alledged debt to my credit report opened XXXX Under the rules of FDCPA credit report entries do not constitute a form of first communication. 
According to the FDCPA a communication in the form of a formal pleading in a civil action shall not be treated as an initial communication. 
According to the FDCPA before a debt collector can report a debt to a credit reporting company they must notify you about the debt by phone, mail or electronic communication. 
I was never notified of this alledged debt and was never notified of my right to dispute said debt
Product: Credit reporting or other personal consumer reports

I submit this complaint regarding inaccurate and unverified debt information in my credit report. Despite disputes, Equifax continue reporting : Subject : Cease and Desist Letter Regarding Credit Report Errors Dear Equifax, Re : XXXX XXXX XXXX I demand that you immediately cease and desist from reporting inaccurate and unverified debt information in my credit report. Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I dispute : Disputed Accounts with Creditor Names and Account Numbers : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You previously reported these accounts as verified, but I request proof : 1. Verification documents 2. Name of verifying individual 3. Copy of contract between me and Disputed Creditor and Equifax 4. Purchase agreement of debt XXXX. Insurance claim documentation XXXX. XXXX XXXX XXXX XXXX XXXX ) with original creditor 7. Statute of limitations documentation 8. Date of last missed payment Your failure to provide this information within 30 days constitutes these violations : 1. 15 U.S.C. 1681e ( b ) ( Duty to verify accuracy ) 2. 15 U.S.C. 1681i ( a ) ( Dispute resolution ) 3. 15 U.S.C. 1692e ( 8 ) ( FDCPA prohibition on false representations ) 4. 15 U.S.C. 1681b ( f ) ( Permissible purpose requirement ) 5. 15 U.S.C. 1681g ( a ) ( 3 ) ( Consumer disclosure ) Remove these disputed accounts immediately and permanently, ensuring 100 % accuracy. 
Documentation : Complaint ID with CFPB # XXXX Sincerely,
Product: Credit card

On XX/XX/XXXX, I received an email from Chase stating that my credit card would automatically be added to the XXXXXXXX XXXX XXXX. The email said to opt out, I needed to call XXXX. 

I called this number on XX/XX/XXXX. I was routed to XXXX different represntatives, each saying they could not help me. The final representative said that I can only opt out after my card is linked to XXXX. 

I researched the XXXX website and it also states I can not opt out until after my card is already linked : How do I opt out of XXXX? 
You will be able to opt-out of XXXX on XXXX after your participating bank or credit union has added your eligible card to the service. You will be informed when your bank or credit union has added your card. 
XXXX includes eligible consumer credit and debit cards from participating banks or credit unions including XXXX  XXXX XXXX, XXXX XXXX, Chase, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX, with more financial institutions to be announced. If you have additional questions, please contact your participating bank or credit union.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to CFpb XXXX on XX/XX/XXXX this year regarding XXXX experien and XXXX information on my account during the time that alleged incident occurred. I personally had to go out and find the mortgage company all the way in XXXX XXXX and work with him in order to get a {$20000.00} condo off of my account from XXXX XXXX. After which responded to you saying they would investigate these things delete all the inquiries. None of the inquiries were deleted, and my credit is still suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon analyzing my most recent credit reports, I discovered that my personal credit file had been given inaccurate information. XXXX, Equifax, and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and have continued to report unverified information without providing the documentation needed by law. The 3 Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following inquiries to be stopped : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible
Product: Checking or savings account

I have a checking account with Charles Schwab. I was on a website on XX/XX/XXXX and tried to purchase something for {$56.00} but immediately realized it was fraud. I immediately called Schwab to ask them to stop the payment as it was fraud and they put in a claim. I received emails on XX/XX/XXXX from XXXX XXXX from the claim department asking me a few questions. She then emailed me and said they were denying my claim. When I spoke with her over the phone she said she had called me many times, which she had not, and emailed me the merchant contract info to request a refund, also which she had not. I asked the before the transaction even posted to reject it and they did not. She also never sent me any information on the merchant so I could contact them myself. I literally have no contact information or website to go to to try to get my money back. While I was on the phone with her she gave me a number that is a fax number. I would like to know how she called them on a fax line. I want the rejection of my claim approved as if they would have just denied it before it cleared like I requested I wouldn't have this problem. Now I'm out {$56.00} and received no product or service and have no one to call or contact to get my money back.
Product: Credit card or prepaid card

Chase Credit Card Account # : XXXX Transaction Post Date : XX/XX/XXXX {$15000.00} We had filed a dispute timely on XX/XX/XXXX within the 60 days of the dispute. Chase had opened a dispute but then ruled in the Merchant 's favor for equipment that was NOT delivered or received by us. 

They had ruled in XX/XX/XXXX that said although we did not receive the merchandise / equipment, they can not help us and that the " dispute '' time window past 60 days was over, even though we had properly filed the dispute within the 60 days per agreement ( with proof ).
Product: Credit reporting

I am disputing an unauthorized inquiry. 
XXXX Date Filed XXXX/XXXX/XXXX Type Sales Financing Company Phone Number BYMAILONLY Address XXXX XXXX XXXX I have contacted Experian, and XXXX by telephone. I have no documentation to show that I have contacted them and that they have received my phone calls. I have phone numbers and names of the people I have contacted. I original started my complaint when I noticed an inquiry of XXXX. I called experian about it and asked what it was because there only information is a PO BOX address. Experian reluctantly gave me a phone number to contact. XXXX XXXX XXXX ( XXXX XXXX answered ) I explained my situation of an unauthorized inquiry. XXXX XXXX then gave me the phone number to Applications within XXXX XXXX. I spoke with a women named XXXX she took my social security number and went through each company that they finance with and not a single institute had used my name or social security number to inquire for credit in all of existence. She filed the complaint with another department for which she would not give me a phone number to follow up on the process. I started this process XXXX XXXX, XXXX and this inquiry has negatively impacted my credit score since XXXX XXXX, XXXX as a hard inquiry.
Product: Checking or savings account

I had a {$10.00} referal bonus from chime that is due to expire XX/XX/2022. As well as four chime friends sent me boost at {$5.00} per person due to expire on XX/XX/2022. I've met the requirements of recieving {$200.00} or more per month in direct deposit from my employer. I've spoke with customer service directly as well as sent several emails to XXXX to seek these perks being replaced and a explanation as to why they were even removed before they are due to expire. I was told it could be up to 48 hours for a response and it has been now 48 hours and I have yet to get a response
Product: Debt collection

Dispute of Debt - LVNV FUNDING LLC, {$1800.00} Dear CFPB Team, I am writing to formally dispute a charge-off listed under my name. I believe this debt is inaccurate and have specific concerns regarding the validity of the charge-off. Firstly, I have not received a Form 1099 nor any other documentation validating this debt, which should have been disclosed to me as part of the debt collection process. I understand that under the Fair Debt Collection Practices Act, I am entitled to receive proper notice regarding any debts that may be claimed against me. To the best of my knowledge, I did not incur the debt associated with this charge-off, nor have I ever been contacted by the original creditor regarding this matter. Additionally, my attempts to obtain documentation validating the debt have been unsuccessful. In light of the above, I am requesting a thorough investigation into this charge-off and any supporting documentation that validates the existence of this debt. I am also requesting that you provide me with a complete account history, including any communications sent to me regarding this matter. Please do not hesitate to contact me at XXXX or XXXX should you require any further information or clarification regarding my case. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX ---
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I tried to lift my security freeze with Equifax to pay the power bill at a new house. The online system locked me out for no apparent reason ( despite the fact that I entered the 10 digit pin Equifax gave me when I initiated the freeze. ) I called, but the company declared that they could not be sure I was me. I needed to mail or fax my proof of identification. In late XXXX I mailed them a letter attesting that I was who I said I was and asked them to lift the freeze. In mid XXXX I received a form letter which did not address the issues raised in my letter and demanding that I mail them a my name and social security card. Despite calling multiple times to protest that this was insecure, they insisted. So in XXXX I mailed them another letter with a photocopy of my drivers license and social security card, in black and white, front and back as they requested. I called after two weeks and again after four weeks. Equifax assured me that such letters were processed within 5-10 business days, but they had no record of receiving my identification. Now I am to fax them a copy another letter, another copy of my drivers license and social security card. They tell me it will take up to 10 days to process even a fax. After four months I still can not log into the online system or get my credit freeze lifted. I have been unable to pay the power bill at my home or refinance my mortgage because Equifax won't deal with me to lift the security freeze. After 3 letters and more than a dozen extremely frustrating phone calls, I can not do business. 

Equifax is not a company with which I have chosen to do business. It is not a government office which would have some accountability. It is a private company with unreasonable power and leaves Americans with zero recourse to, " I'm sorry ma'am. We can not help you at this time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  services Account # XXXX, XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is violating my rights. This account is a complete violation of the no surprise act 2022. Delete immediately. My privacy is protected under HIPPA laws. If you fail to remove litigation will follow. I have a medical bill that an out of network provider is charging me without my prior authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my Credit Report from each Beaureau, which shows a Bankruptcy Chapter XXXX on my reports. I have contacted each with a Validation of Information with no response after 45 days. The bankruptcy was never verified as mine and also shows date completed as N/A the Plaintiff also as N/A. The last four numbers of social security # showing on the reports is invalid. The info on this Collection is invalid and is not my debt. Please delete this off my report as of now.
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. 

Account Name XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

I ordered my early warning services report and my entire banking transaction 's are listed in that report. According to early warning services the financial institutions I have banked with over the course of my entire banking history, my bank has provided them access which was in direct violation of my privacy. These individual banks are in clear violation of the terms and conditions the provided me, ensuring that they would not provide my banking information to non-affiliates. XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX are non-affiliates and have been given my personal banking information. I have not received even one opportunity to opt out of said reporting, which my personal information never should have made its way to these third-party companies. These companies are in clear violation of XXXX XXXX XXXX XXXX of opt out notice to consumers ; opt out methods. 

( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : -, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXXXXXX Balance : {$0.00}, TXXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Mortgage

Strong arm Lender Placed Flood Insurance, suspicion of wrongful conduct by by Bank of America Home Loans XXXX. XXXX XXXX, XXXX XXXX, TX XXXX. Bank of America has forced Flood Insurance premiums for insurance on a residence that according to revised FEMA flood mapping is well above the 100 year mean high water flood stage and additionally, the residence is well above the 500 year flood level indicated on the FEMA mapping. We are consistently having trouble communicating with Bank of America Insurance Department. We have sent documents from a local Professional Licensed Surveyor and have sent FEMA mapping indicating the same. Curiously, B of A reports never having receive the paper work after sending the same many times. Our attempts to follow up on these issues typically result in B of A requesting that we re-send the documents or forms in question or passing us from one B of A employee to another that lack any common sense or authority for several hours at a time. Bank of America has decided to charge our family excessive ( XXXX XXXX XXXX ) insurance fees to my line of credit and upset our monthly home payments. We have had nothing but trouble with Bank of America since Countrywide was purchased by Bank of America. Bank of America truly should not be able to wear the moniker " AMERICA ''. 
Our desired resolution would be that, Bank of America accept our professional licensed land surveyors professional judgement that our residence remains higher than the 100 year flood mark and well above the 500 year flood mark as it has for the last 25 years. Funny, thing is our county will not let a person build in the 100 year flood plain and it has had these county rules for at least the last 25 years.
Product: Credit reporting or other personal consumer reports

hello I have tried getting this issue resolved on multiple occasions which it seem like you guys refuse to remove this account. This account is related to identity theft I have been notified by the military data breach and also XXXX police department where you guys can call the didn't notify me the name of the individual as they kept that confidential, please im begging you to reach out to them to get this issue resolved as this account is not mines and it is hindering me from buying my house. please read this until the end because this will be my last and final attempt before I report this issue to the authorities. I have tried and waited for months for resolution and I still have yet to get anything.
Product: Money transfer, virtual currency, or money service

My account was close due to stolen/ scammers retrieving my information they charged my account for over XXXX $ on XXXX sent money to people are smalls business that don't exist then closed my account while I still have money on there