23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My mother in law received a phone call on Tuesday XXXX XXXX, 2015 at XXXX XXXX EST from phone # XXXX. A voice mail was left with the following message : " This important call is intended for [ My name here ] Social Security # ending in [ last XXXX digits of my Social Security # here ]. Uh, this is XXXX XXXX [ break in voice and partially unintelligible ] on behalf of XXXX XXXX regarding a file that was placed here in my office by my client [ break in voice and unintelligible ] productions to expedite paperwork to our necessary parties. If you can, uh, correspond as the subject relates to this matter. Now I do want you to know that I have placed a XXXX hour legal hold on the file to allow you enough time to return my call. Now, if I do n't hear from you within that XXXX hours, unfortunately you will be looking at the worst possible scenario as to relates to the closure of this matter and the final recommendation will have to be made without [ break in voice and partially unintelligible ] input. Uh, and in most cases, without your input, those decisions do not weigh in your favor. So, it would be in your best interest, uh, to return my call to XXXX. Once again, I can be reached at XXXX. Thank you. '' Their company website is found at XXXX Their contact information is given as follows : XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX XXXX Telephone : XXXX Facsimile : XXXX Other addresses for XXXX XXXX XXXX include : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, California XXXX Firstly, I have never given this company or this person prior express consent. 

Second, they threatened legal action in an attempt to intimidate in a call to the cell phone of my mother in law. 

Thirdly, they disclosed the last XXXX digits of my social security # in a voice mail in a call placed to my mother in law.
Product: Debt collection

Citi Bank served papers to an alleged debt on XX/XX/2021 to my brother that was visiting from out of town. The constable was also informed that he was not me and that I was not home so he didn't want to take it. My brother did not notify me of the papers until a weeks later, which cut into the time I need to inform Citi Bank and XXXX XXXX that I wanted to request a validation of the debt pursuant to 15 USC 1692.
Product: Debt collection

I had a charge off from XXXX XXXX XXXX ( XXXX XXXX ) that was settled for about 50 % ( {$490.00} ) of the amount on XX/XX/XXXX. The payment was made on that day which closed the account out. This was paid directly to The XXXX XXXX XXXX before it ever went to collections. 

On XX/XX/XXXX. Midwest Recovery Systems placed a collection account on my XXXX and XXXX credit reports for the amount of {$850.00}. Reporting the account as open and unpaid. 

Midwest Recovery Systems has never sent me any collection letters before they added the account to my report or after. 

I have attempted to contact them via email and their online messaging system in vain. I have also left a voicemail. I have not heard back from Midwest Recovery Systems. 

So in the end Midwest Recovery Systems added a collection account to my credit reports without ever reaching out to me or trying to contact me AND they are trying to collect on a amount that was paid to the orginial creditor.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts that have been unlawfully reported on my credit file. I have been notified of multiple data breaches and have confirmed that I am a victim of identity theft. These accounts have been disputed multiple times, contain several incongruencies and inaccuracies and I have never authorized their creation or reporting. 

The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been flagged as fraudulent and included in a formal FTC Identity Theft Report, which is attached along with supporting documentation. I have requested deletion of these accounts multiple times. 

Additionally, these accounts contain gross inaccuracies and are in various states of incompleteness across all three major credit reporting agencies. Worst of all seems to be the suspicious alterations to the " date of last activity '' and payment history. These inaccuracies appear to artificially extend the reporting period for these accounts.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 

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

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX  XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Checking or savings account

I opened the account on XX/XX/2022. 
I began to fund the account from another bank account. I noticed some transfers were declined and others accepted and then the next time I checked my account was not only in the negatives but blocked. On XX/XX/2022, I noticed the block and began to contact the bank to understand why and maybe see if theres anything I could verify or provide to prove that there was no fraud or anything. Repeatedly, all of their agents said the same thing the account is blocked, there is nothing more I can tell you. Youll receive a check in 60 days. I am not in the financial position to wait 60 days for my funds especially when I have no explanation as to why this is happening. If the account could be unlocked just so I can transfer my funds back, I would close it myself. I trusted this bank with my money and now I have nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX has violated my rights. 15 US 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: Debt collection

XX/XX/XXXX & XX/XX/XXXX served with summons from Suttell & Hammer APC representing XXXX  XXXX XXXX. Case ongoing since, set for trial XX/XX/XXXX with trial conference mgt hearing XX/XX/XXXX. XX/XX/XXXX @ XXXX XXXX  & XX/XX/XXXX XXXX XXXX  first time any communication with XXXX ever & Prior to hearing XX/XX/XXXX, I called XXXX XXXX XXXX XXXX XXXX XXXXXXXX spoke with the following individuals : XXXX s/w XXXX  -advised me both accounts ending XXXX & XXXX were both transferred to a new agency for collection as of XXXX, XXXX called for chain of assignment s/w XXXX who refused. Transferred to manager, XXXX XXXX who advised me and XXXX  XXXX XXXX is NOT involved in any lawsuit with me. 

XXXX XXXX asked for chain of assignment she put me on hold came back saying shes only allowed to give me the last 4, which she did. 

XXXX XXXX XXXX XXXX XXXX XXXX who refused to verify if theres a lawsuit involving XXXX  these accounts and myself.She responded only certain only higher offices can give that information. Then she proceeded to act like she couldnt hear me. 

XXXX XXXX XXXX, unaware I spoke with XXXX, appeared in court for plaintiff asked for trial postponement until XX/XX/XXXX to investigate a hardship request from me. I had no idea why she would do this because clearly I dispute the debt, denied it by requesting a trial & online with XXXX who back in XX/XX/XXXX, sent dispute results not verification of debt belonging to me.The very next day, XX/XX/XXXX I received letters from XXXX on same dispute letterhead as disputed results written on from XXXX, stating we have not been able to reach a payment agreement with you so we are now assigning these accounts to Suttell Hammer and WhiteXXXX I received two more letters containing the same info but the company name different read now as Suttell and Hammer . Depending on which licensed state depends on company name ie., my state the name should read Suttell Hammer XXXX.This company uses their legal status as lawyers to intimidate and make the court believe they have legal rights collect debts which theyve never seen prior to summons and. Complaints issue from another state signed by robosigners. Suttell and Hammer have been sued for working collection agencies to provide accounts falsely use courts to get default judgments hoping the customer unaware of this doesnt fight the case by not responding. Currently they are allowed to do business in Oregon only pending application for license in California.it should be noted that the letters I received make no sense because how is it XXXX XXXX XXXX is represented by Suttell and Hammer, but XXXX failed to verify debt within 30 days, XXXX advised me XX/XX/XXXX. & XX/XX/XXXX, XXXX now assigned to collect it, Then Lawyers try to discredit that with a hardship I never requested from XXXX ( if I did I would have responded to Suttell and Hammers recent letter offer to pay it instead of a trial ) which I didnt respond to, plus the letter sent after hearing has wrong font used by XXXX and website address always listed underneath bank name appears letter isnt genuine.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be validated or deleted and removed from my credit record, these items must be removed from the credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

I have not supplied proof under the doctrine of estoppel by silence, Englehart v. Gravens ( Mo XXXX 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

This complaint letter is a private matter governed by the Fair Credit Reporting Act, and Consumer Privacy Bill of Rights. If you fail to heed to this notice, my next step will be to file a formal complaint against this agency with the Federal Trade Commission, the Consumer Financial Protection Bureau.
Product: Credit card or prepaid card

My original credit balance should have been {$210.00} as of XX/XX/XXXX and whatever additional charges added after. I made multiple gift card purchases back in XX/XX/XXXX and none of them were issued a balance except for 1 giftcard, which is why I have {$210.00} balance. I have been disputing this case for over a year and I have refused to make payments until the balance was corrected. Of course covid happened and I did end up missing payments when the balance was corrected back in XX/XX/XXXX to {$170.00} and some change. By XXXX of XXXX I was charged for the gift cards again. I did dispute the charges once again, this time I wrote a letter, the emails and phone calls were useless. XX/XX/XXXX billing statement show some corrections made but I am being billed {$630.00} + fees and interest which puts me at {$790.00} as of XX/XX/XXXX. That's not correct. {$210.00} plus whatever late fees for the {$210.00} is what I owe. If the balance of {$790.00} is fair I would like to know what gift cards were funded because only one gift card was funded for either {$200.00} or {$250.00}, the remaining gift cards were not. I did make a payment on the balance. The bill of almost {$800.00} does not make any sense for a gift card of {$250.00} or less. I would like the billing correction to be made or have the gift card they are billing me for funded. I am not paying for a gift card that never had a fund. I would like the billed amount corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are numerous inaccuracies reported on my credit report, including unauthorized hard inquiries, unrecognized accounts as well as incorrect demographic information. I have reported these issues to XXXX, XXXX and Transunion since XX/XX/2021.
Product: Credit reporting or other personal consumer reports

The credit bureaus ( equifax, XXXX, XXXX ) were notified and were given a chance to verify and correct bankruptcy information in my credit report. They responded that the information was provided by XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and was given a report that had no information regarding any bankruptcy. I sent the credit bureaus a copy of the report showing that there was no bankruptcy on my file and they still haven't changed this information. I provided the documentation sent and the updated consumer report for someone to follow up. Please have someone manually review my file I submitted the consumer report for their records and they need to update the file showing that the information regarding a bankruptcy needs to be removed. Also I would like to know why they are stating that they are receiving information from a third party company ( XXXX XXXX XXXX XXXX XXXX ) They have not reached out to them and are required to verify all information. Now that they have had 30 days and have not done the proper investigation I want this information removed now. 

The reference number show on the credit reports show as Reference number XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, we started a loan process with Auto Approve. After speaking/texting with an agent for a few days, we agreed to an offer he made us. 

On the phone, he mentioned how our credit scores and income were very good and we should not have any issues getting a final approval. 

It all changed when he requested a copy of our IDs and my girlfriend 's ID showed " Limited Term ''. He asked about her immigration status. When we advised that she is a XXXX person, he immediately said we did not qualify. 

We have not been sent an Adverse Action Notice. We do have the screenshots of the text messages that support my comments. 

We felt very discriminated against since the decision was made solely and clearly based on her nationality.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax leak, people are forced to pay {$10.00} per credit reporting agency to freeze their credit. So, in essence, Equifax is making revenue off of their own mistake. Just appalling.
Product: Debt collection

Originated a credit card with Zales/Comenity under a promotional program. The sales person advised me that as long as the balance on the purchase + a fee of XXXX was paid off byXX/XX/2022 there will be no additional charges. After having paid off {$2100.00} of the original balance of {$2300.00} within a few months, I am being told that an additional charge of about {$30.00} will be levied since I didn't make periodic monthly payments. This is entirely inconsistent with the terms described to me at purchase. 

The first person that I spoke to was extremely rude and challenged me on my understanding of the terms, as provided at time of purchase.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

USAA auto policy insurance closed my account, this is unauthorized, I do not consent USAA has violated my Federally Protected Consumer Rights. I tendered an instrument which is an agreement, said agreement is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar. The instrument constitutes as payment under the negotiable instruments act and has fully paid for this transaction on the date of consummation. I owe no debt. As everyone should know lawful money was removed from our economy by congress in 1933 by HJR 192 ( House Joint Resolution ) and replaced with negotiable instruments. These negotiable instruments are considered as legal tender on the same par and category as Federal Reserve notes. USAA canceled my insurance and is demanding that I pay a balance that I do not owe.
Product: Credit reporting or other personal consumer reports

In accordance with de Fair Credit Reporting act XXXX  accounts, has violated my rights. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I'VE SUBMITTED MY COMPLIANT REGARDING THESE ACCOUNTS TO THE CREDIT BUREAUS AND STILL HAVE NOT GOTTEN A RESPONSE AND IT BEEN OVER TWO MONTHS
Product: Debt collection

As of XX/XX/2022, I have received 5 phone calls from Fairway Capital Recovery within the last 4 months alone. During the first 2 phone calls, I attempted to make due and pay any debt that MAY have existed by asking them to mail me a bill from the original business that I supposedly owe money to. They said they would, but I never received anything. The next 3 calls this year I told them to either mail me the bill or to stop contacting me because this is harassment at this point. I should not have any outstanding debt anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is essential that consumer reporting agencies such as XXXX and Experian carry out their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I am entitled to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions, including entities that furnish information to credit agencies, have an obligation to respect customer privacy and protect their nonpublic personal information. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies like XXXX and Experian are only allowed to furnish consumer reports when provided with written instructions from the respective consumers. Neither the financial institution furnishing the information nor XXXX and Experian have obtained my consent or written authorization to furnish my information. Therefore, any consent previously given, whether verbal, non-verbal, written, or implied, to XXXX, Experian, and the financial institution furnishing the information, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how they can exercise their right to nondisclosure. The financial institution has failed to inform me of my right to exercise this option. 

In addition, as per 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse items of information in a consumer report, except for records of convictions of crimes that occurred more than seven years ago, unless authorized under subsection ( b ). The reporting of this account as an adverse item without my permission is a violation of the law. 

Moreover, under 15 U.S. Code 1681s2 ( a ) ( 1 ), it is prohibited to furnish any information to a consumer reporting agency if the person knows or reasonably believes the information to be inaccurate. XXXX and Experian have not maintained reasonable procedures to prevent violations of Section 1681c and limit the furnishing of consumer reports to the purposes listed under Section 1681b.

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I am exercising my right to opt out of your reporting services