23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The XXXX XXXX XXXX XXXX sent me a fake document that demanded I pay {$290.00} because I have an outstanding debt on one of my current credit cards. I was immediately concerned and gave them a call. 
This caller claimed to be a debt collector after sending me a fake document to my home address. On XX/XX/2018, I received this fake letter that had my address information, my name, and my credit card information. I assumed that it was real and called the number. The debt collector on the phone was using threatening tactics to try to make me pay a false debt. He asked if this was my number, which I confirmed. He also asked for the last four digits of my social security number, which I also gave to him. It was only when I had trouble finding the XXXX XXXX XXXX online, did I realize that this must be a scam. They dodged my questions about the " debt '' by threatening me. 
Their fake website is XXXX I am concerned because I gave him my social security number. The organization already has my address, birthday, full name, and credit card information so I am very concerned about what they are going to do with my information. 
The resolution I am seeking is for this scam to be shut down.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated attempts to address the inaccuracies in these accounts and my requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is harrassing and placing false information on my credit report after numerous attempts to get this matter resolved. Statuses of limitation shows they can only legally sue within 7 years of delinquency. They are reporting incorrect information such as dates and revolving amounts which are hurting my chances of purchasing a home. The predatory rates for a military affiliate are killing my chances of living an American dream and killing my future. This company refuses to be compliant and work with an XXXX individual. This company refuses to validate the debt and send documents requested. I have the right to request verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with Basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also like a copy of the Tax Registration Certificate! The company refuses and they are rude and biligerent when you are trying to communicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting a case that I was dismissed I was found guilty on I did nothing wrong and the judge agreed with my after further looking into the case at hand. LexisNexis is not only reporting a dismissed case in which I've never been found guilty on the XXXX case. This dismissed XXXX case is being reported under the driving record section ; which is a major error within their reporting platform. The XXXX case SHOULD NOT BE UNDER THE " Motor Vehicle Records '' either. Reporting inaccurate information is a violation of the FCRA and I'll most definitely exercise my rights and sue LexisNexis for the max amount if this dismissed case is not deleted from my consumer report. By LexisNexis reporting misleading information under my driving record that shouldn't be under the " Motor Vehicle Records '' of my consumer report I will sue if these cases are not removed from my consumer report because they're being reported inaccurately, criminal cases should not show up under the " Motor Vehicle Records '' section unless the case pertains to anything that has to do with a motor vehicle but neither of these cases do. Therefore; making their claims a violation of the FCRA. I have attached LEXISNEXIS reporting error and also the court records of the case being dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$730.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$6500.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00}, XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to XXXX notifying them of the reinsertion of XXXX XXXX  XXXX account number XXXX and XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report. A Company called credit corp solutions is reporting on my XXXX credit report. The account number is XXXX. The debt reporting is {$360.00}. I am not liable for this debt with XXXX. I do not have a contract with Credit Corp Solutions. They did not provide me with the original contract as requested. I demand this account be removed as it is not my account.
Product: Debt collection

This year I disputed this alleged debt by another collection company. I disputed and it was proven that they debt was not mine and was removed by XXXX and other credit bureaus that was reporting the negative information. I made it very clear to the last collection company if they sold debt to another debt collector, that I will have my attorney she the old collector and the new collector reporting this information. I will have my attorney XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Go ahead will lawsuits.Im tired of getting treated like this
Product: Debt collection

I have disputed this medical debt twice already w/ the previous collection agency ( ABILITY RECOVERIES LLC ) & they finally seized action w/ their illegal aggressive tactics just to sell the debt to their partners in crime. Again, this medical debt is fraud. 

( NOW ) XXXX XXXXXXXX & their buddies have all threatened me w/ destroying my credit I worked everyday to uplift, maintain & grow. They keep harassing me STILL calling me derogatory names & insist I pay them or theyll take countless of actions on me so I that I wont have no other choice but to pay. 

I dont understand how collections of this nature are still around. They make a living off fraudulently buying debts from low class corporations & illegally harassing us consumers into feeling helpless enough to pay them. 

To provide further information on the debt : My XXXX insurance that I was covered for & provided XXXX XXXX  ( XXXX XXXX ) has no knowledge or record from this hospital visit. 
XXXX XXXX ( XXXX XXXX, MI ) simply didnt send ANY medical bill/documentation to my insurance provider! 

I gave ( XXXX XXXX XXXX XXXX ) my XXXX insurance phone number that Im covered under w/ co-pay & the deductible during my visit. 

If you look on the itemized bill that the previous collection agency ( ABILITY RECOVERY LLC ) provided on my previous claim through you ladies & gentlemen ( CFPB ) ; It is not my cell phone number. 

It is the phone number ( mothers ) that I had & STILL have with my HAP medical Insurance that I GAVE them during my visit. I gave them my insurance ID number & everything. 

BUT they FRAUDULENTLY billed it under a tricare insurance I DID NOT provide them to collect profits from me. Ive never in my life had any medical insurance issues ever. Been serviced great by XXXX Insurance my entire life. Multiple visits throughout my life and EVEN in 2020 I had my XXXX insurance & cover me w/ no issues once so ever. 

Biggest regret of life is being transported to XXXX XXXX ( XXXX XXXX ) for medical attentioncomplete fraudsters. Now I have these collection agencies preying on me for the last 3 years. Enough is enough man.
Product: Money transfer, virtual currency, or money service

I sent {$1500.00} to a vendor of mine that came up with their same picture and everything and it was sent to the wrong person, because I was given no warning to make sure it was the right person on Zelle
Product: Checking or savings account

My debit card with USAA was cancelled with no explanation from the banking institute and when I call to ask why, there is no information shared. If my account or information was involved in some sort of data breach I feel I should be informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the XXXX XXXX XXXX XXXX, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. KIndly REMOVE below the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

In approximately XX/XX/XXXX, someone unknown to me opened an XXXX XXXX XXXX XXXX account in my name without my authorization. I first learned of the fraudulent account when I received a collections notice in XX/XX/XXXX claiming that I owed {$2800.00} for an XXXX XXXX XXXX XXXX account ( Account # XXXX ). Neither the collection agency no XXXX XXXX XXXX provided me with any additional information about the fraudulent account. For example, I am unable to specify where the fraud occurred, which personal information was used to establish the account, what items or services were purchased, etc. 

I spoke with the collection agency and notified them that the account was fraudulent. The collection agency sent me a form of affidavit to file with XXXX XXXX XXXX. I filed the fraud affidavit with XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX apparently failed to take action on my affidavit, as I yet again received a collections notice in XX/XX/XXXX. 

I can not state any more clearly that I did not open this wireless account. During the time this account was opened, I had a XXXX XXXX account, which I've maintained at all times since. I do not have more than one wireless account. This is clearly a fraudulent account for which I should bear no responsibility. 

I would note that it is quite apparent to me that XXXX XXXX XXXX lacks the proper controls and processes to prevent this sort of fraud. I think it is entirely unjust to shift the burden here from them to me. I have no idea why I've had to file the same affidavit multiple times. I have no idea why it would be MY responsibility to go file a police report. This was a total waste of my time. XXXX XXXX XXXX is a large company with plenty of resources. It should do a better job of protecting itself and me from this ridiculousness.
Product: Credit reporting or other personal consumer reports

I have done everything by the book with disputing these accounts. Ive contacted the companies in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report. They claim the identity theft report is valid. And lastly, I contact the credit reporting agencies. Both XXXX and Transunion have removed the accounts per legal requirement. But for some weird reason XXXX feels Im not following all the steps. Seeing Ive submitted my claim with XXXX, Im at wits end. Ive filed complaints against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. FTC is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally am losing my mind because I have no other recourse XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items that are on my report that doesn't belong to me and has not been verified. Here are the items : XXXX # XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX,. XXXX # XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ACCOUNTS that need to be removed from my file 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
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX XXXX XXXX XXXX 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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  XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX XXXX XXXX  originating on XX/XX/2016. I paid on that loan consistently and never had a late payment. The XXXX XXXX is reporting that I had a late payment and I need that corrected immediately.
Product: Debt collection

Diversified Consultants XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested on (? ) XX/XX/2017 Permissible Purpose : Collection I do not know these people. They are mistaken in applying this to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  sent me these two letters stating I contacted them to investigate fraud on two accounts that does not belong to me. I have requested that chase bank remove these accounts from my CRs but chase bank declined. XXXX XXXX  was NOT contacted by me for any fraud claim. In my opinion this is another example of Law breaking by chase bank equifax XXXX And XXXX  in a attempt to verify a charge off that does not belong to me. In a recent letter chase bank stated they were not contacting me anymore on my issue. They are still harassing me in an attempt to verify a debt that does not belong to me. I have NOT reached out to chase bank requesting assistance with fraud. I have reached out to chase to remove these inaccurate unverified charge offs from my CRs. Please view the new scam that XXXX XXXX  is using to verify a debt that is not mine. Accounts XXXX and XXXX dont even appear on the CRs being verified by the 3 CRAs
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! CMRE Financial Services Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 6801 ( a ) ( 1 ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These addresses are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, CA, XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information. 
Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX : ( XXXX ) XXXX Dated : XX/XX/2020 To Whom it May Concern : On or about XX/XX/2020, I notice a inaccurate collection account on my credit file from Caine & Weiner. I immediately made contact with Caine & Weiner and notify them that I have no knowledge of this dept and I am requesting validation. I did not received a letter or a phone call from the original creditor or Caine & Weiner prior to this dept appearing on my credit file. Instead of Caine & Weiner producing the documents requested, they went ahead and updated the information on my credit file on XX/XX/2020, stating that the dept belongs to XXXX. This is a clear violation of the FTC, CFPB and the FDCPA. While speaking with the representative on XX/XX/2020, I requesting the documents, the rept gave me another name stating that company was in charge of the dept of my file which turns out to be Caine & Weiner. The rept tried to provide false information to me. 
I requested : On XX/XX/2020, I requested following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

To date, I have not received any documentation from Caine & Weiner that was requested. This is a clear violation of practice. 

Respectfully Submitted, XXXX XXXX C/O State attorney General Office XXXX XXXX XXXX