23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Monday XXXX XXXX, 2015 around XXXX, someone called my sister n law 's phone looking for me and she told them that they have the wrong number. I called them back and spoke to a man who said that I was being accused of fraud for writing multiple bad checks and that I owed around {$5400.00} in fees. He said that I probably just made a mistake and that could settle this for about {$1000.00}. I told him that I needed him to send me something in writing to verify this and he told me that he did not have to because it was past the point of collections. I told him that the conversation would be over if he could not provide this information to me and he began yelling at me and hung up on me. When I came home i also received a voicemail from this same number just stating that there was a claim in their office and I needed to contact them back. On Tuesday, XXXX XXXX, 2015 at XXXX, I received another call from this number. I called this number back and spoke to a woman who identified this company as XXXX XXXX and stated that she was not a debt collection agency, but a mediation agency. She stated that I was being accused of fraud for writing bad checks as well and I explained to her that I would need something in writing stating what I was being accused of and how much I owed. She said that if I did n't resolve this issue that I would be referred to the county for fraud. She told me that they had me on camera walking into a loan store and writing a bad check and that is considered fraud. I then told her that I did have a payday that I took out in the past that defaulted and that I tried to make a payment arrangement with that company and the company did not want to accept my arrangement. She told me that I could settle this for about {$1000.00} and I told her that I needed to see what I was being accused of in writing first. She kept insisting that I make a arrangements with her and I kept insisting she give me something in writing. After going back and forth she said that she was just going to send this in and that I needed to get an attorney and that I would be liable for about {$4000.00} and hung up on me. I have this conversation recorded on my phone and can email it to any party that needs this or I can replay it. I tried XXXX this company and found no results. This woman did have some information about this debt but was not accurate. I believe that this company has violated The Fair Debt Collection Act for accusing me of a crime for owing a debt and accusing me of writing multiple bad checks because I took out a payday loan that defaulted. They also are not representing themselves as debt collectors which is also fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 to repair my credit I enrolled and shortly thereafter disenrolled from using Lexington law firm services in XXXX of the same year. However, the law firm had my debit card number in its possession. 
The law firm acknowledges that I closed the account ; nevertheless, they are fraudulent claiming that my wife ( XXXX XXXX. XXXX ) enrolled in there service and provided my debit card as a means of payment ; which she vigorously denies doing. Lexington law firm has STOLEN over {$2400.00} From me. 
Lexington law is in violation of the electronic funds transfer act. I, XXXX XXXX XXXX, never gave Lexington permission to debt my account. Lexington has been debiting my account which is a clear violation of the consumer protection law. 
This company is a FRAUD!!!! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We started using XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
Product: Debt collection

For most of this year I have received electronic correspondence from Ace Cash Express. I never was and never will be a customer of Ace or any such lender.

I have repeatedly contacted Ace Cash Express to inform them that I am not their client. I have repeatedly given them my contact information and other personal data to enable them to correct their records. 

However, I continue to receive correspondence from Ace. I am concerned with both identity theft and my credit score.

It is obvious that Ace Cash Express has limited controls over its operations.
Product: Debt collection

This company which is convergent and the original company or creditor is XXXX XXXX. They wrote me a letter on XX/XX/2021 and I responded back to them on XX/XX/2021. Letting them know that this was not in my name this is the second company that has tried to collect on the saying say it did and it has been removed from my credit report once. The name of the sea it did is XXXX XXXX. That is not my name my name is XXXX XXXX XXXX. The amount is {$470.00}. I wrote them they have not responded back to me. I wrote them on XX/XX/2021 a dispute letter for this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax and XXXX  has a collection on my reports. thats not mine and they refuse to remove or delete. 
XXXX XXXX XXXX this account is not mine. 
i was not notified of this account. i was not asked to validate if this account was in fact mine. there is no signed contract between me and XXXX XXXX XXXX. with my wet ink signature stating i was/in agreement to pay this collection. this collection is not mine. must belong to someone else with the same name. i couldve been involved in some sort of data breach or cyber hack.
Product: Debt collection

Both of my parents received calls from phone number  XXXX  #  XXXX  for me fr om the county  court processor stating that i needed to call  XXXX  case number  XXXX . I contacted the number and spoke with  XXXX  ext.  XXXX . He stated that i owed  JC Penny monies  in the amount of  XXXX  dollars and if it went to court it would be in the amount of {$5200.00} but to avoid going to court they would settle for {$1000.00} if i paid today but i had to pay by the end of the day  Pacific Standard Time.  I did have an account with  JC Penny a ny years ago. I told them i would pay if i could verify their business. I could not verify their business with the BBB,    California department of Business oversight,  the Attorney General of California or even through  XXXX  with the address listed on the email i received.. When i contacted the business again and stated that i could not verify their business i was put on with a supervisor by the name of  XXXX   XXXX . He stated that their parent company name was   XXXX   XXXX   out of  XXXX   XXXX  California. I also could not find any information about this company.  XXXX  was getting very defensive once i was asking him about a business licence number or state licence number. He stated that California was an " open border state '' and that they did not need special licensing to operate in California. Then he proceeded to get rude and told me that i know i owed the money and just am refusing to pay. I told him that i had no issue paying once i could verify that  XXXX   XXXX   XXXX  or  XXXX   XXXX  was a legit business. Their address that they gave me was  XXXX   XXXX   XXXX   XXXX   XXXX  California  XXXX . That address is  a 27 sto ry building with multiple  suite and  they refused to give me their  suite number so i could verify with the property   management company. They did have my social security number and DOB which i concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, Equifax, and XXXX 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, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the XXXX store to inquire about getting a new XXXX  and new service. When they ran my credit, it showed I already had an account, which is not true. I've never had XXXX before. Not only was it showing an account in my name, but it's in collections. So I pulled my credit and there are several things on my report that are not mine. I reported this to the police and FTC also. Please remove these items as soon as possible. XXXX/XXXX, XXXX/XXXX.XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX  , XXXX, XXXX XXXX, XXXX   XXXX, XXXX, XXXX ( accnt # XXXX ), XXXX ( XXXX accnt # ). The last two accounts didn't even have a name on it just account numbers!
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer - JOB Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that XXXX being challenged XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

I am writing to bring to your immediate attention a critical matter regarding my credit report. Upon reviewing my credit report, I have identified fraudulent accounts that do not belong to me. I am formally disputing the presence of these unauthorized accounts and requesting their aggressive and immediate removal from my credit report. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

I have attached supporting documentation, including a copy of my identity document, police reports, and any other relevant materials, to substantiate the claim that these accounts are a result of identity theft or fraudulent activity. The fraudulent accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand the importance of your role in maintaining accurate and reliable credit information. Given the severity of this situation, I urge you to take swift and aggressive action in investigating and removing these fraudulent accounts from my credit report. 
These unauthorized entries must be deleted as soon as possible to prevent further damage to my credit score and financial standing. I appreciate your understanding of the urgency surrounding this matter and request your prompt attention in resolving this dispute. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of the fraudulent accounts from my credit report.
Product: Debt collection

I have made repeated attempts via XXXX, XXXX and XXXX to have these accounts removed from my credit. I have provided a police report from where my wallet was stolen. Their response is that they can not remove the items because I did not make a police report specifically stating that my identity was stolen. I don't think this is fair as I am the victim in these matters. Then a new account was added, that is similar to the previous fraudulent account. These errors appear on all 3 credit reporting agencies, and have lowered my credit score. 


NCA Last reported XX/XX/XXXX {$470.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Original creditor Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$480.00} Open balance XXXX XXXX XXXX XXXX XXXXI Original creditor Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. I am writing you today. Because I have been experiencing this issue for about over a year and a 1/2. I've been trying to get into an apartment with me. And my children are unable to do so Due to my credit being checked and coming up as a minor or there is an error on to my account. Giving no credit score or giving no further information. Now I have contacted all 3 bureau 's. And they are giving me the same information and I keep on coming across this problem. We're now in 2023, and I'm still experiencing this problem. I'm asking if we can please check further into this so we can get this resolved. It is stopping me from employment also and I need to be able to provide for my family, thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XX/XX/year> {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the cosigner for this loan, the original loan is with XXXX XXXX, XXXXXXXX XXXX is a debt collector and is reporting false information on my reports, the original signer had 6 extensions with XXXX, XXXXXXXX XXXX is saying that they are late payments - I have been trying to get this resolved for 6 years now - before I paid off the account for the original signer, I was told that the account will not affect my report because I am paying it off for her, and that the account will be noted as paid in full on the original debtor account and that there are no late payments. This account was then added to my report, XXXX then added late payments sometimes it shows up as 4 and sometimes it shows up as 6 late payments, this was not on the original signer report it was only on my report and I am the co-signer. I contacted XXXX the original creditor, they stated that the account should reflect what they have, and they show that the late payments are extensions. XXXX XXXX has damaged my credit I recently contacted crescent bank again I was told to wait for 20 years and they will remove this information from my report. I want this account removed from all my report immediately. Please contact XXXX for the correct documentation. Per XXXX please do an audit against XXXX and XXXXXXXX XXXX and remove the account imedisally from my report due to false information being reported.
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their debt collection practices, which I believe are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Nevada state laws. 

Background : Alleged Prior Contact : XXXX XXXX XXXX  claims to have contacted me in XX/XX/XXXX ; however, I did not receive any communicationneither a call nor a letterduring that time. My first interaction with them was in XX/XX/XXXX, when I settled a previous debt. 

Lack of Written Notice : Under the FDCPA, debt collectors are required to send a written notice of the debt within five days after the initial communication. XXXX XXXX XXXX failed to provide such notice, which constitutes a violation of federal law. 

Delayed Legal Documentation : A court order dated XX/XX/XXXX, was sent via XXXX, with the envelope postmarked XX/XX/XXXX. Considering we reside in the same county, this delay appears intentional, potentially to limit my response time. 

Inconsistent Service Methods : Previously, XXXX XXXX XXXX delivered court documents in person through a process server. This time, no such attempt was made, indicating a deviation from standard procedures. 

Intent to Garnish Bank Account : I received a letter from the XXXX 's XXXX, XXXX XXXX, referencing Case # XXXX, indicating a debt amount of {$7800.00}, with a judgment entered for {$8000.00}. The letter states their intent to garnish my bank account, causing significant distress. 

Personal Circumstances : XXXX XXXX  : I have been diagnosed with severe XXXX since XXXX. 

Recent XXXX : I was involved in a car accident ( not at fault ), resulting in moderate injuries and the total loss of my vehicle. 

Financial Hardship : I am currently unemployed with no consistent income. 

Violations and Concerns : FDCPA Violations : XXXX XXXX XXXXXXXX XXXX  failure to provide timely written notice and their intent to proceed with garnishment despite my financial hardship may constitute violations of the FDCPA. 

XXXX XXXX XXXX Violations : Their actions may also infringe upon XXXX XXXX debt collection laws, which prohibit abusive and deceptive practices. 

Request for Relief : I respectfully request the CFPB to investigate XXXX XXXX XXXXXXXX XXXX  practices concerning my case. Specifically, I seek : Immediate Suspension of Garnishment Actions : To prevent further financial hardship. 

Compliance Review : To ensure XXXX XXXX XXXX adheres to both federal and state debt collection laws. 

Formal Acknowledgment : Of my current financial and health circumstances, with appropriate adjustments to any collection activities.
Product: Credit card

I applied for a Walmart Credit Card through Synchrony Bank on XXXX/XXXX/16. I was approved for {$800.00} and was told my card woul arrive in 7 - 10 days and that if I wanted to make a purchase that I could do so as I was being given a temporary card and that that card would be valid for 7 days. I had no access to the numbers, however I assumed ( wrongly ) that the information would transfer to my Walmart account and I could make a purchase. Also I was being offered a 10 % credit for a purchase up to {$250.00} if made that day. 
The information never showed up. I tried everything but all the numbers for Walmart customer service were closed for the day, and Synchrony has no customer service available on Weekends. So I called Walmart over 7 times on XXXX/XXXX/16 to try and resolve the issue. the supposed credit card division would not apply the temporary card info to my account or even try to resolve the problem. There response was I would have to wait to receive the card. after much yelling and swearing I cancelled the card and am in the process of cancelling my account with Walmart. 
After this I went online to read reviews and what a disaster Synchrony is to it 's customers, I would say 85 % of the complaints are from people who had bigger problems than mine that cost them money, time, and serious mental anguish. In cancelling my card I have a feeling I will never be able to try and open another card at Walmart. It is like you are blacklisted from ever opening an account. EVER. 
If I new that there wsa some legal recourse I would do that, hoever since I lost no money or credit of any type this would not be a winning case. But maybe the CFPB can request all the phone records for the XXXX of XXXX and find out if they are violating the law, and then nai lthem to the wall. I really wanted that card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX in amount of XXXX dollars with the date of XX/XX/2013 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.