23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DEAR GM FINANCIAL SERVICES ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Checking or savings account

On XX/XX/XXXX, my purse was stolen. I immediately cancelled my debit and credit cards, but it did not stop the perpetrator ( XXXX ) from successfully cashing a {$1900.00} check from a bad account against my checking account. When the check came back bad on XX/XX/XXXX, the charge hit my bank account. I called Capital One right away to question the charge. It took a while for me to get a copy of the check which was forged. I supplied a copy of the check as well as my updated drivers license with dates so I can be reimbursed on XX/XX/XXXX after being tossed from department to department and numerous phone calls. I called again today after the last person I talked to said there should be an update and was told there was none. It looks like they have 10 days to review my case and it doesn't appear they've even updated it. I was told I can keep calling back, but it doesn't mean the status will change.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of identity fraud, there are numerous of accounts showing on my report that do not belong to me including, XXXX XXXX XXXX Opened XX/XX/XXXX ( 4 yrs ) {$430.00} AUTO LOANS XXXX XXXX Opened XX/XX/XXXX ( 1 yr, 6 mos ) {$8100.00} COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos {$8900.00} XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos ) {$2500.00} XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX ( 3 yrs, 1 mo ) {$1900.00}
Product: Credit card or prepaid card

I submitted a prior complaint against XXXX 's # XXXX. XXXX 's response was fraud and misrepresentation and nothing more. However, the CFPB did nothing to investigate issues I raised. It is clear from XXXX XXXX response they tried to put this back on me which was specifically designed to " cover their XXXX ''. It is clear XXXX XXXX moved my payment and tried to pull it from a closed account. Their website does not support the direction they relate about designating account and they state in their response. THE REASON FOR THIS SECOND COMPLAINT IS THAT XXXX 'S IS CHARGING " RETURNED CHECK FEE '' WHEN CHECKS ARE NOT INVOLVED IN THE TRANSACTIONS! THE PAYMENT IS TAKEN FROM MY CHECKING ACCOUNT AS AN ARCH PAYMENT, NOT AN ELECTRONIC CHECK. IT IS UNCLEAR WHAT LEGAL AUTHORITY XXXX 'S IS BASING THEIR RIGHT TO ASSESS THIS CHARGE ON THIS TYPE OF TRANSACTION. I SUSPECT THEIR ARE MANY OTHERS THAT HAVE HAD THESE RIDICULOUS CHARGES ASSESSED, BUT MAY BE IN A POSITION NOT TO KNOW THEY CAN QUESTION IT. THIS COMPLAINT IS TO DETERMINE HOW XXXX 'S IS JUSTIFYING THIS " RETURNED CHECK FEE ''.
Product: Vehicle loan or lease

My car was in a hail storm in XXXX of 2023. After the insurance adjuster cane out it was deemed a total loss. The insurance and gap insurance paid the car off and hyundai motor finance owes me XXXX. They sent a check of XXXX and now they won't answer any questions and hang up on me anytime I call and question where the check for the remaining balance.
Product: Consumer Loan

The loan date is back in  XXXX , and last activity on that loan on my part was in  XXXX . The loan company is located in Maryland, and the loan was taken out in Washington state. The place contacting me is out of  XXXX , IL named  ARA (    Asset Recovery Associates ).
Product: Credit card

This credit account was opened wo my knowledge with incorrect mailing address, email address, and telephone number in XX/XX/XXXX. Since incorrect contact information was used by whomever opened this account, I was not aware of it until the account was used in XXXX and appeared on my credit reports as past due and over limit. I disputed the account with XXXX, XXXX, and XXXX. I also disputed with Synchrony Bank - to no avail. This is not my account. Some payments were made to this account- I DID NOT MAKE THESE PAYMENTS AND CAN PROVE THIS USING MY BANK ACCOUNT STATEMENTS. The latest fraud investigation was initiated XXXX XX/XX/XXXX after Synchrony Bank received a written letter from me ( Certified return receipt RECEIVED ) along with the XXXX  Identity Theft report and XXXX Complaint report. Cover letter stated that this is not my account and ALL references to this account should be removed from my credit reports. When I called to request the status of the fraud investigation on XXXX XX/XX/XXXX ( specifically what progress has been made on the investigation in the last XXXX  XXXX ), I was told that there is no status. When I asked to speak with the investigator assigned to the case, I was told it is not possible. When I asked to speak with the representative who took my call on XXXX XX/XX/XXXX, I was told it is not possible.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of fraudulent entries reported by XXXX XXXX XXXX XXXX XXXX ( XXXX ) on my credit report, reflecting the same alleged debt under two different account numbers. THIS IS NOT A DUPLICATE, DUPLICATE MEANS SAME ACCOUNT NUMBER AND INFORMATION. THESE ACCOUNT HAS TWO DIFFERENT ACCOUNT NUMBERS. This is a clear case of identity theft, as my personal identifying information ( PPI ) has been misused to create and report these false debts. 

After filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's improper practices, they responded by submitting two separate accounts for the same alleged debt. This is not only retaliatory but also suggests XXXX can not verify which of the two accounts is the alleged legitimate debt. This reporting violates both 18 U.S.C. 1028 ( identity theft ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires accurate and verifiable information. 

I demand that you remove both accounts from my credit report immediately. Additionally, I request that you provide through the CFPB portal NOT BY MAIL detailed proof of YOUR VERIFYING PROCESS FOR THESE ITEMS and how XXXX verified these alleged debts under two separate account numbers using my PPI. If verification can not be provided, these entries must be removed permanently. Failure to comply will result in further legal action How did you verify one alleged debt on my credit report under two different account numbers for the same alleged debt.
Product: Debt collection

Dear Prince Parker & Associates, I am writing to inform you that I have been contacted regarding a debt that I do not owe. I believe that your attempts to collect this debt are in violation of the Fair Debt Collection Practices Act ( FDCPA ). I kindly request that you cease all communication and collection attempts related to this debt. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on this account is not correct as this account as be Charge-OFF. As I can see the XXXX suppose have taken over the alleged debt. Therefore, how can there be a balance and this account is report differently on all 3 credit agencies. 

Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. 


XXXX XXXX XXXX  XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My twin sister 's student loans are reporting on my credit reports. I have been disputing them since 2018 and nothing has been done about it. I always get a letter stating it has been verified as a response to my disputes. I have contacted the XXXXXXXX XXXX XXXX  and they do NOT have any open student loans in my name whatsoever. This is illegal reporting on your end. I can't purchase anything because of this. It is damaging my life.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance - XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on ALLY FINCL. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

ALLY FINCL XXXX Opened : XX/XX/2013 XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I sent a letter on XXXX/2024, asking for my address to be update so i can remove other address from my credit report that is no longer associated with myself. I emailed XXXX XXXX and he responded that everything was ok and he updated my address. This morning on XXXX/2024, i get an alert from my credit report saying i added a new address and it was not correct it was XXXX XXXX address. I emailed XXXX XXXX again and he said he updated it again. I also called in to express my issue and they said that they updated and it would take about 30 days which is unacceptable. I have a fraud alert on my credit report and this is causing me so much stress. There is a lot of fraud going on and this ran me through the roof. I also asked them for their mistake to waive the 30 day late reporting off of my credit report and still no response. This was an easy fix and now i am stressed out because i have to contact my credit bureaus to fix the problem and wait 30 days for their mistake i want something resolved about this before i take further action. This is not ok due there is a lot of fraud going on so XXXX XXXX can just update my information he needs to be removed from the company because its causing me a lot of stress trying to fix his mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries showing on my credit report that I did not give the company approval to pull my credit report for, and its greatly effecting my crefit rating. I had or have no knowledge of these hard inquiries, this is not of my doings and I want these hard inquiries removed from my credit report. I tried to do an online dispute for these hard inquiries with experian, but it directed me to call them instead and I did on Monday, XX/XX/2023. Experian started the dispute process and I received an email advising that the next step is to file a fraud identity report with an agency such as yours. I did not request, or give permission for these companies to pull my credit report, and I have no idea who did this, I feel that someone else is trying or have tried to get credit in my name.
Product: Debt collection

I never received written notice about this debt. Once it appeared on my credit report I have disputed it since I have never had an account with the collection company or the original creditor. The collection company continues to verify this is accurate information. I have tried mailing certified mail to the collection company in which it keeps being returned. I have all my certified mail receipts. Upon calling today the woman informed me that THEY DO NOT OWN THE DEBT! So please explain why they are reporting a debt they do not own on my credit report. This needs to be removed from my report immediately or further action will be taken.
Product: Money transfer, virtual currency, or money service

Hey, On XXXX XXXX at XXXX I transferred the amount of {$570.00} on XXXX XXXX  app from an invoice a client sent me to my bank which is XXXX XXXX XXXXXXXX but for some reason this money was sent to the Navy Federal Credit Union Bank which I never event had an account with them before and I cant seem to be able to resolve this issue with none of the parties. Navy wont give me any information since I dont have an account with them and the squarespace support team thinks I do have an account with Navy which is not true.. How come can I connect I bank I dont have?? Still looking to receive my money.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that tXXXX 

This is fraud as a result of XXXX XXXX 

XXXX Accounts : XXXX. XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Inquires : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/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 Factual Data Consumer Assistance XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Factual Data Consumer Assistance XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any account s Credit Inquiries Credit Inquiries- Summary Equifax 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Department Of Education XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX Department Of Education XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 XXXXl XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

They have reported a XXXX  day late payment on my credit. When I called to verify customer service says that there is not a XXXX  day late payment. However it is reporting to my credit as such.
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 DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a checking account with Bank Of America. On XX/XX/XXXX, a wire transfer for {$2300.00} to a person that I don't know, under the name of XXXX XXXX, took place. On XX/XX/XXXX, a second wire worth {$2400.00} was wired to the same person. I DID NOT AUTHORIZED such transactions. I don't know that person. Those were fraudulent transactions and Bank of America failed to send me email Alerts to me alerting me about such fraudulent transactions that took place behind my back and were never authorized by me. As I never received email alerts, I couldn't react on time to halt or prevent the bank that my checking account was being hacked. 
I placed a complaint against Bank Of America, which denied my claimed, saying that I have authorized such transactions. On the cited days, I didn't receive text messages from BOA on my mobile, which means, I didn't program wire transfers on those days. I DID NOT AUTHORIZED SUCH TRANSACTIONS, AND BANK OF AMERICA FAILED TO SEND ME EMAIL ALERTS ABOUT SUCH FRAUDULENT TRANSACTIONS.
Product: Payday loan, title loan, or personal loan

Loan company called my wife who is not on the loan documents and without my consent and discussed balance, payments, etc. I believe they did not respect my rights as a consumer and my privacy was breached.
Product: Mortgage

I set up automatic bi-weekly payments to my mortgage lender, The Money Source. They refuse to apply the partial payment to my account. They state that they do not accept partial payments. I am aware of the huge impact that bi-weekly payments can make to my over-all interest on this account. It is extremely upsetting that they are refusing to apply money to the loan and instead placing it in a suspend account until the second partial payment is sent in. I feel as a consumer this is unfair.
Product: Debt or credit management

This is not my debt. It is identity theft. I never authorized anything.
Product: Debt collection

Unvalidated debt reported to credit bureausAfter reviewing my credit report I saw Trident reported an alleged debt without ever making contact with me. They illegally reported unvalidated debt on my credit report. This is a violation of FCRA and FDCPA regulations. If this illegal entry is not removed from all XXXX reports I will take legal action. I do not have an account number as I have had no contact with trident. I do know the balance of the alleged debt is listed on my report as {$40.00} with a date of XXXX 2015 as the date placed for collection. - XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Went ti this company to apply for a load to get my truck fixed was approved for {$2700.00} at a interest rate of 179 % this is criminal
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : Consumer ID XXXX Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by ( XXXX XXXX  ) included in the file Chex Systems maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a bank account in XX/XX/XXXX I am unaware of ever having a bank account from XXXX XXXX. 
Please validate this information with XXXX XXXX  and provide me with copies of any documentation associated with this " account '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX