23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account is from Identity Theft, I have called Capital One many times to dispute it and also on my credit reports and they still don't fix it. I have provided all documents and have not got anything back from them. 

Federal Trade Commission # XXXX
Product: Debt collection

On XXXX I received a phone call from phone number XXXX. I did not answer but the caller left a voicemail. In the voicemail, a person stated their name is XXXX XXXX? on behalf of C & M Associates Group. The caller stated that there is a time sensitive matter that needs my urgent attention and advised me to call XXXX. I researched this number and it does return to C & M Associates Group out of Illinois. C & M Associates Group is a real debt collection agency. On XX/XX/XXXX, I contacted C & M Associates Group and spoke with someone that sounded exactly like the caller that left the voicemail. He advised that he is attempting to collect a debt and advised that the debt occurred in XXXX and that the original creditor is XXXX XXXX XXXX. I researched XXXX XXXX Money and found out that they used to be a payday loan service that was shut down by the FTC in XXXX. I knew in fact that I have never had business with this company and have never taken out a payday loan. I relayed this to the caller and he began to state that he has all of my information. He told me he knows my address, my social, my previous employer, and my bank account information and correctly told me this information. He then said that the debt is real and I am liable for it. I again told him I am confident that I did not ever have contact with XXXX XXXX in any way and asked for proof. He stated that they would put the debt in dispute and that they would provide proof that the debt was real and that I can compare signatures to show it's mine. I was able to locate a number for XXXX 's corporate office and on XX/XX/XXXX contacted them. A recording played saying " If you receive a call or letter stating you owe money on a debt do not pay and contact local law enforcement ''. I spoke with a customer service agent and she advised that she can look up my information to determine if I was ever a customer. I provided her this and she advised that there is no record that I had ever had business with them in any way and never owed a debt. The customer service agent also advised me to contact the FTC. I contacted C & M Associates group and spoke with XXXX. I told him what XXXX told me and that I will contact the FTC. XXXX quickly stated that I shouldn't worry about it and that they've already closed the debt and that I don't owe anything. This seems odd that a debt collection company is trying to intimidate me by telling me my personal information and demanding payment but then quickly decides to just close the account. I feel that they are operating in a fraudulent matter with ghost debts seeing who they can go after that will pay money on a debt they don't actually owe.
Product: Credit card

I have a Best Buy Visa credit card with a {$400.00} credit limit.My account balance shows that I owe {$330.00}. I opened this account back in XX/XX/year>. My transaction was around {$100.00} for one item purchased in-store. I made the payment within the time my first payment was due. The card number I have does not match the one my account shows is active. I do not remember asking for a new card. I do not know if a new card was delivered and used without my consent. I have called the company but I called outside of business hours so I am making the report and will call again when the office is open. I have tried viewing the statements online but the account says it will not show the previous 6 months transactions. I do not know if it is just a problem on my end or if that is how it is appearing. The payments are past due and I can not pay a debt that is not mine. This account is harming my credit and would like for it to be solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts in my credit report that are invalid and do not belong to me
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I have found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

My husband and I opened a online bank checking account in my name only ( his wife ) in midXX/XX/2021. We had the funds to be transferred from a savings account in my husbands name only. We provided the funding bank name, account number and routing number with the amount to be withdrawn. Several days later,XX/XX/21, I received an email from the receiving bank that my opening account deposit had been processed. The email gave an initial deposit item #, amount funded, FROM acc. bank name, FROM acc. bank #, TO acc. bank name and TO bank #. All account numbers were x out. 
To this dateXX/XX/21, I have not received the funding for that account. I have contacted both the funding bank and the receiving bank by many phone call and one email complaint to no avail. I have documents from the funding bank but nothing from the receiving bank. They ( the receiving bank ) basically said they have researched but cant find where the funds were deposited and left it with no resolution.This was a very large amount ( {$75000.00} ) that was withdrawn from the funding bank. 
If you can please help me with this issue, it will be greatly appreciated. 
Thank you. 
Do you want me to send copies of documents now or later when I hear back from you?
Product: Credit reporting or other personal consumer reports

CAVALRY PORTFOLIO SERVICE fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). CAVALRY PORTFOLIO SERVICE is depriving my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Mortgage

I appealed the decline of the loan modification within 30 days. Select Portfolio Servicing is not honoring the 30 day appeal process which is illegal per the Homeowner Bill of Rights Act. The underwriters have miscalculated my income and overvalued my home by over {$200000.00} in the original decline, now they are stripping me of my right to appeal. I have proof that I sent my appeal in by email per their instructions within the 30 day period. 


Please have SPS cease the foreclosure process per the Homeowner Bill of Rights and proceed with the appeal process.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX  Balance : {$200.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$9500.00}
Product: Credit card or prepaid card

Wells Fargo allowed someone named XXXX XXXX XXXX to open a finance account with XXXX XXXX using my ein number. This lady resides in XXXX XXXX. The only reason I was able to find out, is that I was trying to use the online banking services. Then the banker told me that there is a duplicate profile using my Ein number. With further investigation the name of the individual is above. The date I found out about this was XXXX XXXX. This means I do not know how long this individual was using my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my complaint XXXX, TUI has issued me my credit report ( file number : XXXX ) free of cost and advised me to buy my credit score in that. I bought my credit score and grade by paying asked price. But my credit score and grade is misleading as it contains incorrect information. The reasons being that this credit report and hence score, does NOT show my past home loan mortgage account, does NOT show my various credit cards like XXXX, XXXX etc accounts, the longest held credit account is more than two decades old but still report hence score is complaining about insufficient credit history. XXXX has forcefully closed my account to malign my credit reports hence credit score as it is clearly evident for TUI case as it states NO open accounts on credit file. XXXX did NOT listen to me sympathetically in near past although I was never delinquent and late in paying my dues. So given all of this, I will make an earnest request to take up the matter with XXXX and reinstate my credit card account and further and more importantly it should find all the other relevant past accounts for myself credit cards, mortgage account and recompute my credit score for now and going forward. Thanks in anticipation. Further information will be provided on specific asking/s.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Debt collection

On or about XX/XX/2020, I called to make a payment and as I said hello, the representative ( XXXX ) said, " XXXX XXXX, '' on an open line. I'm not sure if I was interrupting her or what exactly was the issue ; however, but this is a clear violation of the FDCPA. I am behind on my account and was calling to make a payment she did give me the phone number to call but didn't give me the account number so I had to call back. When I called back I encountered, XXXX who had a defensive demeanor, he refused to provide his full name and the previous representative 's name. I can't recall if she provided it, or if I forgot because of the opening of the call. After I explained that I would be making a complaint he gave me his name and offered to transfer me and provided his name as XXXX then he gave me a Manager/Supervisor : XXXX. I spoke with XXXX and he went over my account explained that I should not fall more than 3 months behind but didn't give any information as to what would happen if I did. I currently work for the XXXX XXXX and have been since XXXX, I was receiving unemployment and that has stopped they are aware of my situation. I was placed on a 3 month hardship but it ended, I do not recall receiving a reminder that my moratorium would be ending and to begin making payments again. I do believe I'm being charged for late fees. I've had other problems with this creditor. I wanted to make this complaint to go on record about the abuse. The manager stated he would coach her ; however that doesn't resolve breaking the law.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Under the FCRA, an item can not be reinserted into your credit report without written notice by a credit bureau to the consumer within 5 business days of the reinsertion. The letter from the credit bureaus must include : A statement that the disputed information has been reinserted XXXX  had deleted a negative item as part of their investigation of a challenge of the accuracy of items being reported on my credit file. The reinserted the item without written notice.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 

The creditor is Ally Financial. 
Account number XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, MN XXXX
Product: Mortgage

I am applying for a refi loan with XXXX and was told application to close generally takes 2 weeks. It took a month to get the appraisal done and were now on week 6 with no answers from the company. I have contacted the two representatives I have worked with several times but will not get an answer back no matter how many times I call. I will however get requests for frivolous paperwork as well as paperwork that has already been submitted. I have emailed to have certain debts be paid from the refi and the remainder be cash out for home repairs. They have yet to correctly send disclosures with the correct debtors to be paid. I started this process with specific things to be done under the timeline promised to me by the company and now Im not even sure it will go to closing because they keep requesting new things without doing their part. I have names and nmls available upon request
Product: Credit card or prepaid card

I filed a dispute with Chime over the phone after reporting my card as stolen. I told them my car was broken into and somebody took my wallet with all of my credit/debit cards. I also told them i filed a police report. They said they would investigate the unauthorized purchases after they were no longer pending. I received emails stating Chime has denied my dispute.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
XXXXFailure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
XXXXFailure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXXProvide a comprehensive written explanation detailing your investigation process and results. 
XXXXPermanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX child support was paid off lump sum XX/XX/XXXX. However shows negative marks until XXXX. 
Then they tried to put payments on same account from then til XXXX. But reported paid off and closed XXXX. How's that? 

However XXXX XXXX shows non payment for all years also. XXXX, & XXXX. But payments were garnished from XXXX XXXX  for 4 years, Then unemployment after that. So these payments shouldn't show on XXXX XXXX child Support case as payments. 
XXXX, EQIFAX, XXXX have payment negative marks for these years which has severely damaged my credit. XXXX XXXX Co child Support has frauded me by not sending me a 1099 C and reporting Cashout payout sent from insurance company through workers compensation In XXXX. My lawyer had the check cut directly to them from insurance company. I called them at the time And was told false information from Employee. I believe I've been a victim of XXXX bias. Based off RACE. It's unconstitutional and I will be taking legal actions against them for fraud, & non-monetary losses, and defamation. They're all in violation of 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

Aldous & Associates, PL have an account listed on my credit report for {$4300.00}. The company is stating they are collecting a debt owed to XXXX XXXX XXXX for a lease agreement that I was declined for. Ive disputed this debt with XXXX XXXX and Aldous & Associates on numerous occasions and they refuse to remove it from my credit report. As a military member this debt has caused me significant financial and harm and irreparable damage to my military career. Ive attached to this complaint the copy of the e-mail denying my application for a lease but the company still placed this fraudulent account on my credit report as if I they offered me a lease. Due to this, XXXX requesting that this account be immediately removed from my credit report according to the FCRA as well as this company provide me with financial compensation for the harm caused to my career and my credit. Should this account not be immediately removed from my credit reports I will also file a complaint against XXXX XXXX with the XXXX Attorney Generals and a complaint against Aldous & Associates, PL with the Utah Attorney Generals Office as well as submit a a complaint with their associated states Bar. In doing my due diligence Ive given both agencies ample time to correct this issue. However they refuse and I have no choice other than to take action against them.
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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, never gave ( XXXX nor TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. The reporting of such inforation has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household puroses. You and your reporting have damaged my livelihood. I have been stressed out and depressed beyond measure to the point where it is hard to cope. A copy of the law is attached in this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts. I have been in dispute with XXXX for over 30 days and they continue to report inaccurate information on my consumer report.