23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sometime on or around XX/XX/XXXX, sentry credit inc. placed a collection account on my credit report with the three agencies claiming I owed monies to XXXX. 
I have never owned a XXXX credit card and my last transaction with XXXX was for an order that was not delivered to me because I cancelled the order. 
So I disputed the record requesting for proof of delivery of said account and the order. 
The collection account was deleted by the credit bureaus. 
Two years later, on XX/XX/XXXX I received an alert that sentry credit placed a collection account on my 3 credit bureaus for the same amount as the XXXX but with different account number to make it appear as if it were a different account in order to circumvent fcra laws requiring evidence within 5 days if a prior deleted item is being placed on my credit report. 
Sentry Credit in clear violation of fcra laws and consumer laws, fraudulently placed an old deleted disputed account on my credit report and making it appear as new. 
I will like the licensing regulatory board ( s ) to investigate sentry credit records for all records dating back to my original XXXX complaint and the XXXX new account. 
I will also like to request that the board investigate sentry credit files and records for other fcra violations and malpractices which has been detrimental to not only me but other consumers that may not be aware of their rights.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute letter to Experian via their online portal, requesting an investigation into inaccurate items listed on my credit report. Along with my dispute letter, I provided all necessary identification documents to verify my identity, including a copy of my photo ID, social security card, and a recent bank statement displaying my current address. 
In my dispute letter, I explicitly requested the following information from Experian regarding the verification process : - Details on how the disputed item was verified. 
- The date when Experian contacted the creditor and furnisher. 
- Contact information for the creditor and furnisher. 
- The name of the individual who verified the item. 
- The method of communication used to verify the disputed information ( e.g., phone, email, mail ). 
- Confirmation on whether the creditor and furnisher provided any sensitive personal information, such as my Social Security Number, address, and date of birth during the verification process. 
Despite providing all the necessary documentation and clearly outlining my concerns, I have not received any results or updates from Experian regarding my dispute. It has been over XXXX  days since my submission, and Experian has failed to communicate any resolution or progress. 
According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are legally required to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information on their credit report. Experian 's lack of response and failure to act on my dispute constitutes a clear violation of my rights under the FCRA. 
I am including a copy of my dispute letter sent to Experian as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive sent multiplie notices ftc statments, police reports regarding accounts that do not belong to me. I believe these accounts to belong to my father XXXX XXXX XXXX. I have never been in the XXXX or had A XXXX XXXX  account. 

Ive sent 3 sets of letters requesting the unverified / fraudulent information be removed. 
I have all of the certified mail reciepts and documentation. 

XXXX  replied back and said that I have provided them written letter saying those accoiunts were mine!!! I never did that! 
these accounts are from 2011 anyway and seem to be to old to be reported.
Product: Debt collection

ARS NATIONAL SERVICES INC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX To : The XXXX XXXX XXXX XXXX for ARS NATIONAL SERVICES INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX  XXXX XXXX XXXX PA are authorized to administrate ( acting trustee ) on XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts XXXX contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX  XXXX and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within XXXX business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Product: Debt collection

Penncredit has called me but never left a message. On top of that, as a victim of online scams, if I do not receive a physical address from the company itself after having relocated from XXXX XXXX XXXX, then I am very wary not to respond. I have dealt with much hardship in regards to this situation. 

Penncredit as I know is a legitimate company, but without the written communication, especially since my car is not registered in XXXX  yet, then I am not able to get my written accounts quickly or efficiently. 

Thank you.
Product: Debt collection

We are being harassed by frequent calls From XXXX Debt Recovery Solutions and they are looking for XXXX XXXX XXXX. My Name is XXXX XXXX and no one by the name of XXXX has ever lived in my house. Calls for XXXX have been received over the past 8 years and they are demeaning and annoying. 

Calls to these debt collectors to have the calls stopped simply result in a different agency starting the calls. 

There is no indication from my Identify Protection Service that I have ever had over due debt. 

The DRS ROBO calls about once a week. There after they use psychology by having a ROBO call and advertise lower interest rates. They also make frequent no message calls to keep the pressure up. DRS actions meets the definition of terrorism. 

DRS ( Debt Recovery Solutions ) XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ( XXXX ) XXXX - XXXX
Product: Credit card

Synchrony bank /Amazon store card account # ending in XXXX. I do not have an account with Synchrony bank. They claim I have a balance of {$180.00} with the amazon store card. I have no such card???
Product: Mortgage

My Loan Originator/ Realtor signed Documents on my behalf without Authorization to do so. My husband and I were reviewing Residential Purchase Agreement and received word that XXXX XXXX went ahead and completed a Residential Purchase Agreement on our behalf. The Documents were signed Electronically using her own personal email and work email. She does fraudulent things like this often and we are tired of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of
Product: Credit reporting, credit repair services, or other personal consumer reports

in Accordance with the fair credit reporting. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under use 1681. 

Account name : XXXX XXXX XXXX # XXXX Account Name : 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 a account without my written instructions 15 U.SC 1618C. ( 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 then 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: 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these terrifying violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Wakefield and Associates account beginning # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 0.5. 1681 Section 604 A Section 2 : it also states a reporting agency can not furnish an account without my written permission or instruction. 

In accordance with the fair credit reporting act Wakefield and Associates account beginning # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 0.5. 1681 Section 604 A Section 2 : it also states a reporting agency can not furnish an account without my written permission or instruction.
Product: Credit reporting or other personal consumer reports

Unauthorized and fraudulent inquiries from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My credit limit was reduced, due to errors on Macy 's part. I have paid off my balance month ago, but due technical issues on their end. I was charged fees, and not notified of changes. I called to get fees waived on this past Saturday, and now today I get a letter stated my limit is being reduce, which will effect my credit score. I want my credit limit restored.
Product: Student loan

I have been trying to get this debt paid. I owe XXXX approx 10,000 $ for tuition and a Perkins loan. I tried to find a way to pay them and made several payments. They knew I was struggling. I contacted them several times about it. They gave my information to Williams and Fudge, who told me that I owe XXXX. I told them this was the wrong amount and they continued to call me, email me, all hours. They called my family. They told me that I signed the note and that the interest is being compounded DAILY. They threatened me. All I want is to get on a payment plan to reasonably pay back the amount I borrowed. But XXXX in fees is insane. XXXX also won't give me my transcripts so I can find a job in my field until the total amount is paid. I don't know what to do. They tried to force me to consolidate my loan and begin payments right away, even though my loans are in forbearance. The PDF with my name on it was filled out by them. They have my address wrong, because THEY filled it out, not me. without my knowledge. I have asked over and over for an itemized receipt for the exorbitant fees. They said that is what XXXX handed over to them. THIS WAS A COMPLETE LIE.
Product: Debt collection

I became aware of the debt when I received a message from the credit bureaus that I subscribe to, XXXX XXXX XXXX XXXX, showing a new derogatory item was placed on my report. I immediately reviewed for accuracy and confirmed this is not my debt. I sent a letter via certified USPS mail to Afni, Inc on XX/XX/2020. I have confirmation of delivery. 
To date I have not received a response as to an explanation of this debt that they claim I owe. 
Today I am mailing yet a second letter as a follow up to my first letter in the event I receive a response or a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

ACCOUNTS : -XXXX XXXX  XXXX Account # : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/year> I noticed fraudulent charges on my account around XXXX. after using my card for multiple transactions, someone deposited a fake check into my account and pulled funds from it. 

Wells Fargo is making me pay for the fake check despite me being the victim of the fraud charges, and their reason is lack of evidence. I have provided them with time stamps, and evidence that it wasnt me to no avail. 

Immediately after getting my wallet stolen, Wells Fargo turns around and stole my paycheck for this week leaving me with nothing.
Product: Checking or savings account

I called Sofi multiple times on XX/XX/XXXX, reporting fraudulent activity and requesting my account be frozen. The first Sofi rep was short sighted and only closed by debit card, even after I told him fraud activity was happening with other accounts. And from what I can tell, between that call and my second call to Sofi, multiple transactions continued to occur until daily daily limit was reached or I changed my password and added XXXX factor authentication to my account. 
I filed disputes for the multiple large transactions ( almost {$6000.00} ) on Wed, XX/XX/year>, after all fraudulent transactions had been posted to my account. Thur, XX/XX/XXXX, I received XXXX emails from Sofi, denying all fraudulent transaction claims. I called Sofi a few times, and I believe it was the 3rd Sofi Rep that day who said I could file an appeal and that I would need to provide evidence. 
I filed and appeal on XX/XX/year> and received an email requesting I send additional information, but was also was told SoFi can not provide any feedback on what is considered evidence. I submitted all my " evidence '' on XX/XX/XXXX. This evidence, or information, was showing SoFi all the other financial and online accounts I had fraudulent activity on. I sent XXXX documents highlighting unauthorized username and password changes with many other companies, unauthorized purchases on my credit cards and other accounts, reversed transactions from other companies, new unauthorized debit cards in my name and since closed, freezes with the XXXX credit bureaus, and a detailed outline of all the information I was sending. 
Three days later I received another response from SoFi denying all claims again, citing that their thorough investigation doesn't show any errors or fraudulent activity. 
After that I filed a police report, opened a police investigation, filed a report with the Federal Trade Commission and sent them those documents. While I wait for their response, I am filing now with the CFPB since SoFi has been the only account/company that has made this process horrendous and debilitating. All other claims I have filed with other institutions and companies have been honored and reverse without a hassle.
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX - Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 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: Debt collection

XXXX reported as of today what portfolio recovery has said in my dispute which counteracts against what they responded to XXXX XXXX XXXX Report Number XXXX Date Generated XX/XX/XXXX Before After PORTFOLIO RECOV ASSOC Your information XXXX have changed since XX/XX/XXXX Account info Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$3600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment NA Original balance {$3500.00} Highest balance NA Terms 1 Months On record until XX/XX/XXXX Payment history Report Number XXXX Date Generated XX/XX/XXXX Before After PORTFOLIO RECOV ASSOC Your information XXXX have changed since XX/XX/XXXX Account info Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment NA Original balance {$4200.00} Highest balance NA Terms 1 Months On record until XX/XX/XXXX Payment history
Product: Student loan

the Sallie Mae web site is difficult to make online payments. The loan account numbers do not all show up in loan summary. I have to click on other loans to have them appear. Then the previous loans disappear. This site is difficult for me, and I have had too may years of experience with student loans. My last month payment was reversed, I did n't reverse it, the bank did n't and Sallie Mae did n't either. But, I paid a late fee because of it!! HELP!!! I fear that when my son graduates in XXXX, the site will be difficult for him and could result in loan default. PLEASE help fix this mess. I dislike having to work with these private loan companies. Then, trying to get an answer from customer service is exhausting. I asked to speak to a supervisor and was put on hold for 30 minutes. I HUNG UP! I have better things to do with my time.