23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

received an alert on my credit profile regarding this alleged debt, which is not mine. As a victim of identity theft, this is fraudulent and part of an ongoing civil litigation matter ( File Number : XXXX ). You have less than one hour to remove this debt from my credit profile. Failure to do so will result in the immediate filing of a police report, and this violation will be submitted as additional evidence in my civil litigation suit. 
found debt collector in my email spam box Violations and Concerns : Debt Parking : Placing or reporting this debt on my credit report without prior verification violates federal law. The Federal Trade Commission ( FTC ) has explicitly addressed this illegal practice and holds debt collectors accountable for such actions.

Failure to Validate Debt : As per 15 U.S. Code 1692g, I have not received sufficient evidence to substantiate this debt, including : Verification of the debt. 
A copy of a valid judgment, if applicable. 
The name and address of the original creditor. 
Inaccurate Reporting : Reporting debts without proper investigation and validation constitutes a breach of the FCRA, which requires reasonable investigation of disputes. Your failure to contact me prior to reporting this debt or conduct a reasonable investigation is a clear violation. 

Required Actions : Cease Communication : Immediately cease all attempts to contact me regarding this debt. 
Cease Reporting : Remove any reporting of this debt from all credit reporting agencies. 
Provide Verification : If you claim this debt is valid, send me documented proof, including all required information under 15 U.S. Code 1692g, within 1 day. 
Failure to comply with this request will result in a formal complaint being filed with the FTC, the Consumer Financial Protection Bureau ( CFPB ), and my state attorney generals office. Additionally, I will pursue all legal remedies available, including seeking damages under federal and state law. 

This letter serves as my written dispute and notification that all communications regarding this matter must be in writing. Do not contact me by phone or other means.
Product: Debt collection

I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint under FCRA and fair credit and billing act as I saw these inaccuracies in my report and have asked for full validation and what rights does the company have to collect on these accounts. 

XXXX XXXX Reported : XXXX XXXX, 2021 {$970.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$840.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$410.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$210.00}
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to notify you that your unlawful defamation of my character and reputation has caused significant harm to my personal and professional life. The false statements and implications you have made about me are not only damaging but also completely unfounded. 

Under the laws of Connecticut, it is unlawful to engage in defamation of another 's character and reputation. Defamation includes " any intentional false communication, either written or spoken, that harms a person 's reputation ; decreases the respect, regard, or confidence in which a person is held ; or induces disparaging, hostile, or disagreeable opinions or feelings against a person. '' Your statements and implications about me, specifically the inaccurate reporting on my credit report, are categorically false, and they represent a malicious attempt to harm my reputation. 

I demand that you immediately cease and desist your unlawful defamation of my character and reputation. I also demand that you remove any defamatory statements about me from any websites, social media platforms, or other forums under your control, and that you refrain from making any further false statements or implications about me. 

If you fail to comply with this cease and desist order, I will be forced to take further legal action against you. This may include seeking monetary damages for the harm you have caused to my reputation. 

This letter is not intended to be a complete or exhaustive statement of my rights, legal or otherwise, in connection with the above matter. I expressly reserve all rights and remedies available to me under the law. 

I look forward to your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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 XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2018 they contacted my former employer where I have not worked in over a year and they keep calling them even after they tell them I no longer work there.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account.
Product: Debt collection

XXXX XXXX, who identified himself as a representative from the civil processing division of First Direct Mediation, repeatedly tried to get ahold of me, starting on Tuesday, XX/XX/21, about a pre-litigation complaint allegedly filed against me. He referenced a file number XXXX. He stated that I only have XXXX hours from that date to either call myself, or have my attorney call him to make a formal statement, but he didnt say in the voicemail what the complaint was about, or who his client is making the complaint. XXXX XXXX XXXX then proceeded to call my father, XXXX XXXX, trying to get ahold of me about the same issue. XXXX XXXX then tried to call me today, XX/XX/21 about the same issue, only this time in the voicemail, he stated I had until XXXX XXXX to respond myself, or with my attorney, otherwise his client would proceed further by verifying my employment, and sending out notification for me to appear in court. Again, XXXX XXXX XXXX did not state in the message what the complaint was about, nor said who his client was making the complaint. I feel very harassed that XXXX XXXX would not only threaten me with verifying my employment, but continuously trying to contact me, and even my father, and not even supplying me with who his client was and what the complaint is about. I need XXXX XXXX to stop harassing me, otherwise I will contact my attorney, and take legal action against XXXX XXXX and First Direct Mediation for harassment.
Product: Checking or savings account

I was charged {$250.00} for smoking at the XXXX XXXX by XXXX XXXX OH XXXX. I don't smoke. My wife doesn't smoke. We didn't smoke at the hotel. When we attempted to resolve the issue with the hotel, they charged me {$300.00} for calling the front desk. Great Western Bank and XXXX refuse to reverse these fraudulent charges. 

Hotel stay was from XX/XX/XXXX to XX/XX/XXXX. Dispute was filed with bank on XX/XX/XXXX.
Product: Debt collection

I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " ALLY FINANCIAL '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2500.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit card or prepaid card

I had filled a complaint with you guys a while back the company cost me a job several to honest they harassed me greatly calls to my cell home and jobs
Product: Credit card

Can you check the documents? These late payment remarks are inaccurate and I want it removed and updated to positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. So I immediately sent in a dispute to Equifax, XXXX  & XXXX. 

After 30 days past, I still didnt hear anything back so I sent a demand to comply with investigation on XX/XX/2020 Today XXXX & I still havent heard back from these companies. They are taking advantage of normal people. Covid-19 is not an excuse to not follow the FRCA!
Product: Checking or savings account

I have a savings account through Apple ( APPL ), which is a Goldman Sachs deposit account. On Wednesday, XX/XX/year>, I initiated an ACH withdrawal of {$8000.00} from my Goldman Sachs savings account and into my XXXX XXXX account XXXX 

The previous day ( XX/XX/year> ), I had transferred {$150.00} to make sure the connection was made, and it was initiated and transferred timely - It was immediately deducted from Goldman Sachs and XXXXXXXX XXXX received it the next day on XX/XX/year>. 

On Friday, XX/XX/year>, I noticed that the {$8000.00} transfer was still in a pending status, and I have not heard from Goldman Sachs why there iss a delay. I called and they said it was needing some sort of 3-way verification. If this is the case, then why hasn't Goldman Sachs let me know? 

I expect to have easy access to my funds and Goldman Sachs is preventing this.
Product: Debt collection

Innovative Recovery formally know as Resident Collect has been attempting to collect an unverified debt for over 4 years. This company is n't and has never been licensed to collect debt in the State of Florida. Please have them to stop ALL debt collection effects and remove from their " account ''  from my credit report.
Product: Credit reporting or other personal consumer reports

My account with GLOBAL LENDING SERVICE, SYNCB/GAP, and CONSUMER FINANCIAL SVC was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. GLOBAL LENDING SERVICE, SYNCB/GAP, and CONSUMER FINANCIAL SVC never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

Kings Credit Service bought a debt from XXXX XXXX XXXX XXXX  and will not resolve my dispute. XXXX XXXX XXXX XXXX did not perform the services they billed for. I ended up having to go to a different dentist in XXXX, XXXX to complete. XXXX XXXX changed his hours and I was unable to be treated. I have disputed this bill with XXXX XXXX and XXXX on several occasions but the collection agency Kings Credit Service has not removed this debt from my credit report. Help is requested. 
Account Number XXXX - date opened XX/XX/2021 original amount {$1400.00} now {$2300.00} address of King Credit Service, XXXX XXXX XXXX XXXX XXXX XXXX XXXX no phone number provided.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX Principles ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
CHAPTER XXXX XX/XX/XXXX Case Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTSXX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX XXXX with ID XXXX, mail XXXX and I have a cryptocurrency account in the COINBASE company. I have been with my account blocked for months and I can neither carry out operations nor withdraw money
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$130000.00XXXX XXXX XXXX XXXX   Balance : {$38000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Repeated phone calls from Well Fargo Dealer Services XX/XX/2020 called at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/2020 called at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/2020 called at XXXX, XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a copy of my consumer report and recognized some accounts that do not belong to me. I requested the bureaus investigate as well as provide me with any contract bearing my wet ink signature on it. I also filed a FTC Identity theft report. I want these items removed immediately. I did not authorize these accounts I have no knowledge of them. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX These 5 duplicate accounts need to be verified or deleted
Product: Checking or savings account

Truist bank publicly had an online marketing that a {$400.00} cash bonus is given to new checking account holders should it is open and meet the requirements of a direct deposit for {$500.00} or more and XXXX qualifying debit spending within 90 days of the account opening. On XX/XX/year> I opened a checking account at Truist bank situated at XXXXXXXX XXXX XXXX XXXX XXXX  I met all requirements to earn the cash {$400.00}. However, Truitt bank failed to honor their marketing promotion. I called and spoke with the relationship banker, XXXX XXXX and her manager, XXXX XXXX concerning the failure of Truist bank and their confirmed verification of my eligibility at the time of the account opening. They told me that they would escalate the issue to the Retail Banking department of Truist bank. However, a few weeks passed, and XXXX XXXX XXXX said I was not eligible for the cash bonus. My response was Truist bank failed the trust I had with them and had been very unfair to my entitlement. That I would file a complaint the CFPB or litigate the issue further. Thus, this complaint is filed and seek for a good evaluation from CFPB to enforce Truist bank marketing promotion promise.
Product: Credit card

Consistently, I've maintained timely payments on this account, ensuring they never fall into arrears. I'm unclear why there are indications of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections ought to be made.