23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Name of Company : United Holdings Company ( UHG ) and XXXX Address : They refused to provide it Phone Number XXXX Website XXXX XXXX XXXX  Complaint Details : 1. Debt Collection Practices : I am writing to file a complaint against United Holdings Company ( UHG ) and XXXX for potentially illegal debt collection practices. I received a phone call on XX/XX/year> & XX/XX/year> from a XXXX representative XXXX and Manager XXXX regarding an alleged debt. During this call, the representative : Engaged in harassment and abusive conduct : This includes mocking and laughing at me, and using threatening language regarding reporting the alleged debt to credit reporting agencies without proper verification, even after notating my verbal and written dispute. 
Refused to provide information about the alleged debt : I was denied details about the origin, amount, and basis of the debt unless I first provided my date of birth and social security number, which is a violation of my consumer rights. 
Failed to properly identify themselves : The representative did not clearly state their name, the company they represent, or the purpose of their call as required by law. 
Refused to provide the mailing address of United Holdings Company : Despite claiming that United Holdings Company is the " owner of the debt, '' the representative refused to provide their mailing address, hindering my ability to communicate directly with them and further investigate this alleged debt. This refusal violates my right to dispute the debt directly with the current creditor under the FDCPA. 
These actions are consistent with the CFPB 's findings in their lawsuit against UHG, where they found that UHG and its affiliates " allowed third-party collection companies to deceive consumers and placed or sold debt portfolios to collection companies engaged in unlawful behavior. '' The CFPB specifically cited instances of false threats and misleading statements made by UHG 's third-party collectors, mirroring the conduct I experienced. 
2. Debt Validation : I requested validation of the debt, including : Complete identification of the original creditor Account number and date of origination Detailed accounting of the debt Copies of all supporting documentation Despite my request, this information was not provided. 
3. Michigan-Specific Concerns : I am a resident of Michigan and believe these actions violate the Michigan Collection Practices Act ( MCPA ) and the Michigan Consumer Protection Act ( MCPA ). 
I also question whether UHG and XXXX are properly licensed to conduct debt collection activities in Michigan. 
4. Relief Requested : I request that the CFPB investigate this matter and take appropriate action against UHG and XXXX. I am seeking : Cessation of all debt collection activities related to this alleged debt. 
A full investigation into the validity of the debt. 
Enforcement action against UHG and XXXX for their unlawful conduct. 
Summary of findings for future litigation.
Product: Credit reporting or other personal consumer reports

I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you
Product: Vehicle loan or lease

Ally loan company repossessed my car after a month and a half I never got to make a first payment and kept all my items in the car and keep sending me letters saying that I owe them XXXX dollars after a month and a half I was about to make my first payment plus my car got stolen because of theft recall on the car about the time I got the car back they repossessed it with all my items then I hear that there is a recall for a anti theft system to end it all they are harassing me saying I owe XXXX XXXX dollars I am really discussed with ally this is why I am lodging my complaint and they never even said anything about my belongings in the car
Product: Consumer Loan

I purchased a car XXXX 2013. I had never purchased a car that had to be financed until I purchased this one. When I purchased the car I was not explained to completely about the terms, especially when it came down to APR. When I purchased the vehicle the amount I financed was XXXX. I have paid XXXX. My payments are {$580.00} a month. My account pay off as of today is XXXX. So in almost XXXX years my amount has only lowered by XXXX. I will never be able to pay off this amount when they are putting {$400.00} towards interest and only {$180.00} towards principal.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the 9th formal attempt to address this matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, adversely affecting my creditworthiness and financial standing. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my report and saw that there are accounts appearing that I am not aware of where they came from. Below are the accounts appearing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also attached a copy of my FTC complaint pertaining to these accounts.
Product: Checking or savings account

I attempted to purchase a dog through XXXX. I was prompted to pay {$800.00} through XXXX by Chase Bank, and the dog would be shipped the following Monday. I paid this amount ( {$800.00} ) on Saturday, XX/XX/2020 to XXXX XXXX. This dog breeding website turned out to be a scam and I did not receive the dog I paid for. I attempted to cancel the transaction on Monday evening, XX/XX/2020, as my account said the transaction was still pending. I was told by the representative that the transaction had been approved and the money was deposited into a non-Chase bank account. The representative told me the only thing I could do at that point was to file a police report for the stolen money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/22 Fruadulant activity Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX These are all accounts that have dates that are old and affecting me obtaining credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address,. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I seen some a irregular activity on my bank account and called citizens Bank on XXXX XXXX, 2014. The representative was very condesending and rude. He said, " Ma'am! If someone were to steal my credit card information it would be for more than $ XXXX, it would be for hundreds of dollars! He brought to tears! Talked to me like I was crazy! I am a single, working mother! The activity only continued but due to my XXXX, of having to call and be demeaned again by another representative I ignored it ... Until the transactions got larger! The bank agreed to pay me back from my XXXX contact with them as per the attached, in the amount of {$310.00}. This was all due to the fact that the customer service representative, XXXX XXXX, on XXXX XXXX, 2014, said " no one would steal small amounts of money!!! '' Due to his lack of knowledge, rude, condescending behaviors and negligence they are telling me I 'm out over {$1500.00}. If he would 've did his job, when I called to alert them of the suspicious activities, he should have immediately issue a new card, In addition, I would not be going through this! Someone skimmed my card from a gas station and stole my information. I do n't know if I should contact the police as well, and am at a loss with all of this! Is there anything I can do? Are there requirements for the banks insure their employees? I have called multiple times and can not even communicate with the customer service representatives! Please HELP ME!
Product: Credit card or prepaid card

My carecredit account was closed a few months ago without my knowledge. The card was paid off and i had never missed any payments. When I called synchrony bank they would not give me a reason as to why it was closed. I'm tryomg to build my credit score and by closing my account for no reason it is loeeri g my score by almost 100 points
Product: Money transfer, virtual currency, or money service

I am expressing my concerns about Zelle 's disputes from the CFPB about a current lawsuit. It states that there are many difficulties with Zelle as a platform which which i use this with my personal bank and my business bank account through capital one and chase bank. 
I use Zelle for many transactions and the company has yet to solve any of my claims. 
They have informed me that any lost funds were unable to be tracked and there were not much further assistance. CFPB 's article brought to light that Zelle neglected their customers, failed to keep their information safe with lack of security, and would often let repeated losses continue. This allows a window for scams and other security outbreaks to access my person and business funds and which that leave me feeling vulnerable and nervous that my platforms are not protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX and also direct tv offer credit to someone else using my social security number I have never had credit with these creditors and also XXXX Experian and XXXX need to remove all negative inquiries off my report I did not authorize anyone to apply for credit in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am a Consumer who currently resides at XXXX XXXX XXXX XXXX XXXX, FL XXXX in XXXX County , did not give XXXX XXXX XXXX XXXX XXXX permissible purpose , nor did a court of competent jurisdiction issue an order for XXXX XXXX XXXX XXXX XXXX to furnish an inquiry to Transunion, LLC. XXXX XXXX XXXX XXXX XXXX and Transunion, LLC. have both been placed on a Cease and Desist regarding this inquiry. XXXX XXXX XXXX XXXX XXXX and Transunion, LLC. are both violating the Graham-Leach-Bliley Act ( 15 U.S.C 6801, 15 U.S.C 6802, and 15 U.S.C 6803. Also, XXXX XXXX XXXX XXXX XXXX and Transunion, LLC. are committing Aggravated Identity Theft by transferring my nonpublic personal information without the lawful written consent of XXXX XXXX XXXX, Consumer. I, XXXX XXXX XXXX, Consumer, did not receive any benefit from this transaction.
Product: Mortgage

During a 90 days PLUS process, ( starting XX/XX/2020 ), Rocket Mortgage continued to ask for the same information time and time again, in connection with updated Flood Insurance coverage and My XXXX  firm business activity. I provided all disclosures and found that although I have the highest credit score possible and as I am borrowing a mere 19 % of the property value, this bank does not have any desire to service XXXX individuals who are required to carry flood insurance. I fall into a fairly large subset of the U.S. economy. I believe the bank is discriminating against me and my family. making statements about underwriter 's requirements and the XXXX XXXX XXXX requirements. 

The rate promised and the fees were not even that competitive ... The bank 's staff continued to use a website-tool called a " XXXX '' rather than call or send an email to drag out the process week after week. I want this DISCRIMINATION against myself and others to be terminated. My credit score alone should have provided expedited, no fee re-financing service.
Product: Debt collection

Name : XXXX XXXX XXXX SSN : XXXX Date : XX/XX/19 Re : " National Credit Adjusters ( XXXX XXXX ) '' Phone : ( XXXX ) XXXX This account was recently reported to all 3 Credit Bureaus. The alleged balance is {$350.00}, however I have never had any business or association with " XXXX XXXX XXXX. '' I have yet to receive any debt validation letter either. This account is listed as a negative item and has impacted my credit score adversely. I am asking that this account be removed ASAP and that my credit be remedied accordingly. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a lot of letters to the credit bureaus because I have a lot of errors on it. Also, Equifax have blocked my account and I wanted an explanation but I didn't have it. I sent 6 rounds of letters to the bureaus but I had nothing resolve.
Product: Debt collection

Collection agency called my home at XXXX XXXX They can't call before XXXX XXXX  california law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX XXXX, they did not provide me with the original contract as I requested and did not provide proper validation. This is a medical collection that is being reported illegally. No PHI release form has been provided. this is violating my privacy and HIPPA Law. My latest request was completely ignored. The tracking number is XXXX and XXXX XXXX received it on XX/XX/2023. 

XXXX  tracking # is XXXX sent on XX/XX/2023 XXXX tracking # is XXXX sent on XX/XX/2023 Transunion tracking # is XXXX sent on XX/XX/2023 It seems to me like this is a violation under section 812 ( a ) of the FDCPA. It says " It is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than a creditor of such consumer allegedly owes such creditor, when in fact such person is not so participating. ''
Product: Credit reporting or other personal consumer reports

First, I made a payment of {$1500.00} before the cut off time on statement close date. Pursuant to the Wells Fargo Home XXXX agreement d/b/a XXXX XXXX XXXX, XXXX Payments received by XXXX XXXX local time at the Payment Address will be credited as of the date of receipt. '' This payment posted on XX/XX/23 the same date of statement closing on XX/XX/23. Wells Fargo incorrectly reported the balance as {$3300.00} to XXXX and XXXX. When it should have been {$1800.00}. This error incurred by Wells Fargo caused a drop in credit score. My account balance reporting should reflect {$1800.00} per your agreement and paying on time. 

Second issue, this was a no interest no payment credit line available for 12 months ( no interest paid in full ). When viewing my account minimum payment due was {$65.00} for XX/XX/2023. I paid this today ( XX/XX/2023 ) but why is your credit product offering and marketing different than what has occurred on my account? 

Thank you for your time.
Product: Debt collection

I called this company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This was allegedly for expenses after I moved out of the apartment at XXXX XXXX. After 4 months of requesting debt validation, I received the contract and the alleged invoice. I called the company and informed them that the invoiced items could not belong to me. According to the lease that was provided to me by the debt collector, the terms began on XX/XX/XXXX through XX/XX/XXXX. The lease was signed on XX/XX/XXXX. The invoice is charging me for items before my lease began and for items that were not done when I was in the apartment. I am being charged for items done on XX/XX/XXXX to XX/XX/XXXX when my lease did not begin!! When I moved in the apartment, it was already painted and cleaned. How can I be charged for painting that allegedly happened when I already moved in? No painting occurred while I was in the property. They are charging me for unit not cleaned on XX/XX/XXXX when I was already in the apartment! They are also charging me for early termination fees of two months and a half when I left the apartment 2 days before my lease ended! I called the debt collector three times and they said they were contacting XXXX XXXX and they never answered my calls. I explained to the debt collectors how is it possible that painting occurred when I was already in the apartment and how can the apartment be cleaned when I was in the apartment? I told them they had the wrong person and they refused to answer my calls and tell me what XXXX XXXX said. This is not my bill and I refuse to pay it. This is damaging my credit report and hurting my chances of purchasing my home! I need this deleted! It is not my bill!!!!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD, XXXX XXXX XX/XX/25 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Payment Date Account # XXXX Dear XXXX XXXX Department, I am writing to formally dispute the inaccurate reporting of the payment date and amount due on my closed Capitol One credit card account ( # XXXX ) as reflected on my XXXX credit report. I have reviewed both my XXXX and XXXX credit reports, and the payment dates for this account do not match. This discrepancy is misleading and may negatively affect my credit profile.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are obligated to ensure the accuracy of the information you report. I request that you : 1. Investigate this matter and verify the accurate payment date for Account # XXXX. 
2. Correct any inaccuracies found during your investigation.

3. Provide me with a written explanation of your findings and the actions taken to address this issue. 

To assist with your investigation, I have included the following documentation : - A copy of my XXXX credit report highlighting the disputed account. 
- A copy of my XXXX credit report showing the discrepancy in the payment date for comparison. 

Please note that this letter serves as my formal dispute of the inaccurate information. I request that you complete your investigation within 30 days, as required by the FCRA. If you find that the information can not be verified, you must promptly remove the disputed information from my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates regarding the status of your investigation. If additional information is needed, feel free to contact me at XXXX. 
Sincerely, XXXX XXXX