23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Tuesday, XX/XX/XXXX, XXXX XXXX of Nobilis Credit Management, on behalf of XXXX XXXX XXXX, called every single personal phone line of a third party, my father as well as his business lines. My father is not my guardian and I do not enter into loan arrangements with him named. He is a third party. According to my father, a phone line was contacted that is for internal employees and is not publicly available. Two voicemails were left for my father where XXXX named me as a party to legal action and threatened " final legal action '' and suggested that current proceedings " may have been initiated. '' XXXX did not name that he was attempting to collect a debt nor did he name his affiliation with any company, let about Nobilis or that he was called on behalf of XXXX XXXX. The phone numbers that he contacted are clearly listed as those of my father in public records or are official phone lines of his company. I have these two voicemails saved. 

XXXX attempted to call me but did not leave a voicemail. He only left a voicemail with my father and his business. I called XXXX and asked him if he was aware that it was improper to contact third parties to collect a debt, not only one time but several times. When I asked for information regarding the dates that the debt was charged off and ultimately sold, he told me that I was not being cooperative, and he spoke over me and stated that his client is strict and unless I said that I wanted a settlement that he was going to communicate with the client ( XXXX  ) that I had stated that I did not want to cooperate on settling the debt. XXXX would not even disclose to me the name of the collections agency he worked for. He stated that it was called " NCM '' and that the acronym was something I didn't need to know and it " didn't stand for anything. '' He threatened me with false statements to a creditor. He hung up on me when I insisted on collecting further information and stated that he's telling the client that I didn't want to cooperate. I called him back, he further spoke over me because he wanted me to agree to the settlement of a debt that I didn't have enough information about. I ultimately was transferred to Nobilis ' director where he gave me the requested information and agreed that XXXX 's behavior was a violation of federal and state ( Texas ) debt collection laws. Not once did XXXX ever use a disclaimer that he was calling in an attempt to collect a debt when he was initially in contact with me. 

After I asked - well into the phone calls- I was assured that all of the calls referenced above were recorded. I informed the director that I'd be filing federal and state claims under consumer protection laws. The voicemails left for my father and his company as well as my conversations with XXXX and Nobilis ' director all took place on XX/XX/2021.
Product: Money transfer, virtual currency, or money service

I am another victim of the theft of crypto assets from an XXXX account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss
Product: Debt collection

I am unaware of this debt i did not have the opportunity to dispute this debt I did not received the proper notification, if you believe i received proper notification please provide the certified mail receipt with my signature on it.
Product: Debt collection

I have a debt collection from diversified collection for XXXX in the amount of {$190.00} as well as XXXX  for {$99.00} for XXXX XXXX XXXX XXXX. I have never had XXXX XXXX XXXX XXXX so this has to be for XXXX which means that they are trying to falsely collect on the same account twice.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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 ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( 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 Experian complies with federal law and provides consumers with the necessary proof of investigation. 

I XXXX XXXX, a consumer, am notifying you that I dispute these alleged debts pursuant to 15 USC 1692G. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths and statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed through the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, XXXX, and XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies.

Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15USC1681 4.

These are the accounts that I've marked as inaccurate and need to be removed from my credit report immediately : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX
Product: Checking or savings account

I had deposited a insurance check into my account they deposited and then immediately closed my account they told me that the insurance company was going to do a reverse on the check I had been in contact with the insurance company ever day and they told me they never talked to anybody at the bank and that they can see the check was cashed and they will not be doing a reverse payment like the bank said the bank has gave me a run around and will not answer any questions regarding the fund as shown in the attached screenshots the insurance company told me to deal with the bank and let them know to release the funds but they are refusing to due so
Product: Credit reporting or other personal consumer reports

I am writing to formally follow up on my previous complaint about mistakes in my credit report and the credit reporting agencies ' subsequent failure to comply with the statutory obligations of the Fair Credit Reporting Act ( FCRA ). Despite my formal dispute and request for investigation, more than XXXX  days have gone without an acceptable conclusion.
Product: Credit reporting

EXPERIANXXXX XXXXSTATUS IS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
Product: Debt collection

XXXX, You have stated your bound under the FCRA specifically laws under XXXX to ensure maximum possible accuracy under law. However in this letter provided you stated you sold all rights of this account to XXXX Collections. How are you able to verify maximum possible accuracy to the credit reporting agencies if all rights of the debt was sold off to XXXX Collections? If all property rights of the debt is now under XXXX Collections? XXXX and XXXX have stated that XXXX provided verifiable documents that the accounts are verified and accurate. Please provide what documents you provided to the credit reporting agencies as you also stated all rights and property was sold off to XXXX Collections.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXXdentity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights. I am requesting damages for these violations.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my XX/XX/XXXXand Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

My husband and I sent a letter with a check for settlement over a week ago via certified mail and when we made contact with them today XX/XX/ they are using deceitful tactics such as that they returned the check back stating that XXXX ( when they are a 3rd party debt collector ) wasnt accepting that amount last week but now they are this week, but wont provide proof of our check being sent back the debt collector is Diversified adjustment services
Product: Credit reporting or other personal consumer reports

I have disputed this collection agency XXXX XXXX XXXX on my credit bureaus. Im not aware of this company, nor do I have a debt with this company. This company failed to provide a verification letter/contract agreement with my signature that I owe this day. I have sent multiple certified letters in this company failed to provide documentation as requested. Ive also sent the letters to the credit bureaus and dispute it this information and it comes back that this account is accurate and verified with no supporting documentation. The credit bureaus fail to follow the fair credit reporting act and accurately report information on my credit reports.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit! 
Despite my efforts to resolve this directly with Experian, it remains unresolved. I requested an investigation of items that I had no knowledge of on XX/XX/year> and within XXXX hours, my request was closed. I am requesting removal of those items because the information is incorrect and does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

I have a account reporting incorrectly as open on my credit report and showing delinquent and it is reporting incorrectly, Due to my rights I will like it removed
Product: Checking or savings account

On XX/XX/year>, I lost my cell phone. Whoever found my phone decided to hack my checking accounts. Funds were immediately returned to me. I then checked my Barclays account. This person added their name to my account, added their Bank XXXX XXXX account, changed the mailing address on my account, and siphoned over {$3000.00} from me. I've repeatedly called the bank. They closed the account. They've completed no investigation into this They then sent me a check for {$280.00}. that was all the money remaining after I noticed fraudulent activity. 

They did not address the original problem at all. I've spoken with numerous customer service agents who are only capable of assigning to me a ticket number. PLEASE HELP ME.. The horrible scribble on the check they sent me are the ticket numbers assigned. The police report number is XXXX. That was filed with the XXXX Police department. 
Please note documentation from your bank on page XXXX shows a persons name who I don't know and should never have been given access to my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report regarding late payments reported under account number [ Account Number ]. This dispute is filed in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and addresses the responsibilities of furnishers of information under 15 U.S.C. 1681s-2. Additionally, it considers the protections afforded to consumers under the COVID-19 relief provisions as outlined in the National Emergencies Act, 50 U.S.C. 1601.

Details of the Dispute : Creditor Name : XXXX XXXX XXXX XXXXunt Number : XXXX Date ( XXXX ) of Reported Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXX Upon reviewing my credit report, I identified late payments reported for the above account that are inaccurate. During the COVID-19 pandemic, specific relief measures and protections were enacted, including provisions that impacted the reporting of late payments. Under these provisions, furnishers were required to report accounts in a manner that did not negatively impact consumers ' credit scores if the consumer was in good standing before the pandemic.

Relevant Provisions : FCRA Responsibilities : Under 15 U.S.C. 1681s-2, furnishers of information are required to report accurate and complete information to consumer reporting agencies. The reported late payments appear to violate this requirement.

COVID-19 Relief Protections : According to the COVID-19 relief measures, including the CARES Act and other relevant provisions, furnishers were not supposed to report negative information, such as late payments, for accounts that were current before the pandemic. Reporting such late payments during this period is not compliant with these protections and constitutes an inaccurate representation of my credit history.

Rules of Construction : Under 15 U.S.C. 1681a, the rules of construction indicate that provisions within the FCRA are to be interpreted to ensure consumer protection and accurate reporting. This interpretation supports the need for correcting any inaccuracies related to the reported late payments during the COVID-19 relief period.

Request for Action : Investigation : Please initiate a thorough investigation into the accuracy of the reported late payments.

Correction : If the investigation confirms that the reported late payments are inaccurate, update or remove these entries from my credit report.

Confirmation : Provide me with written confirmation of the findings and an updated copy of my credit report reflecting any corrections made.

Per 15 U.S.C. 1681i, I request that this investigation be completed within 30 days of receipt of this letter, and that you provide a revised credit report upon completion.

Enclosures : A copy of my credit report with the disputed information highlighted Should you need any further information please contact me at or [ Your Email Address ]. I appreciate your prompt attention to this matter.

Thank you for your assistance. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed fraudulent hard inquires. And according to the FCRA any inconsistency on my account has to be corrected and updated. 

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: Debt collection

Capital Accounts contacted second week of XXXX. me regarding a debt to XXXX XXXX. I requested that this request be in writing and it would be great if they can substantiate their claim. I received a letter dated XX/XX/2018 demanding payment without proof of the debt. I replied to their letter that I'm disputing the validity of the debt in a written notice dated XX/XX/2018 and mailed on XX/XX/2018. Capital Accounts kept calling me requesting a payment in 5 separate occasions. I kept asking for them to mail me evidence of the debt and what transactions gave rise to it. I have not been to XXXX for 4 years. Today, XX/XX/2018 I received a letter dated XX/XX/2018 asking for payment of XXXX or it will appear as a derogatory item on my credit report. Still I have not received any proof of the debt. The account number referenced is XXXX. Capital Accounts conduct is unenthical and they are attempting to unjustly benefit from me. Please make them stop or provide proof that I owe the amount.
Product: Debt collection

On XX/XX/2021, Southwest Credit System Inc., placed a collection under my name and social security # in all 3 Credit Bureaus in the amount of {$610.00}. The information that was submitted by this company reduce my Credit Score in all 3 Bureaus by nearly 100pts. As a result, this matter has caused me a great deal of XXXX XXXX to the point that I am finding it hard to concentrate, i am having on & off XXXX XXXX, XXXX and XXXX XXXX. Please note that I have received an official letter of notice of my right to dispute this amount prior to this company placing this information in my Credit Report. 


Thank you. 

XXXX XXXX
Product: Credit card or prepaid card

I am a victim of identity fraud. I did NOT open a credit card account with Montgomery Ward. I was able to find out that the purchase which was made in the amount of {$320.00} was perfume which was sent to an address somewhere in Ohio. Please assist me in getting this off my credit report. My credit score has dropped from a score of over 700 points to the low XXXX points as a direct result of this fraudulent account. I have since place 'freezes ' with all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$1400.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX {$800.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$3700.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX Balance {$980.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX Balance {$980.00} Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX Balance {$800.00} XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX Balance {$3700.00}
Product: Debt collection

XXXX XXXX XXXX and XXXX XXXX XXXX have contacted me stating that I owe {$4000.00} to Citibank USA N.A.  with an original date of XX/XX/XXXX and a change off date of XX/XX/XXXX I did send them a certified letter on XX/XX/XXXX stating that this debt is not my debt and to cease and desist letter however instead they did utilized my information and send me back a " computer generated verification '' with my information typed on a blank paper pretending this is my debt however they never send the original document signed with my information in the original document as stated in 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. they have Illegally and fraudulently utilized my information to collect a debt that is not my debt due to the fact that I have never had any business with Citibank.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and my personal information has been compromised and fraudulently used. I request, pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), that the following accounts and inquiries be blocked and deleted from my credit report immediately. 
Fraudulent Accounts : XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$400.00} XXXX  - XXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} Fraudulent Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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