23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX MST, I received a voicemail from XXXX XXXX at Alpha Recovery. The call was from XXXX, but he requested that I call him back at XXXX regarding an attempt to collect a debt. I was not familiar with this company and had not received any written notification of a debt from them. 

I left two messages for him, asking him to call me back, one on XX/XX/XXXX at XXXX XXXX MST, and a second on XX/XX/XXXX at XXXX XXXX MST. I asked that he call outside of my business hours. 

I received a voicemail from him on XX/XX/XXXX, this time from XXXX, but again asking me to call him back at XXXX. I called back at the requested number. He asked for my date of birth or the last four digits of my SSN to confirm my account. I stated that I was not comfortable providing this information to an unknown company. At this point, his demeanor abruptly changed. He stated that we had spoken on the phone when he called me at my work number of XXXX. I explained that I did not recognize that number and that we had never spoken on the phone - I had previously only left messages for him. He asserted that, since I did not want to confirm my personal information, I was refusing to move forward. He spoke over me, ignoring my efforts to speak with him, and he hung up on me. 

I called XXXX, the original number of origin, and spoke with XXXX " XXXX '' XXXX, on XX/XX/XXXX at XXXX XXXX MST. I asked for a supervisor and was forwarded to XXXX XXXX. He also asked for my DOB/SSN last 4, which I refused to provide. He said he will mail a letter confirming the debt to the address on file, but he refused to indicate the address or even the state in which it was located. He then repeatedly asserted that, since I refused to provide my DOB/SSN, I was refusing to proceed, then stated that we had nothing further to discuss. Like XXXX, he spoke over me, effectively ignoring my further attempts to speak to him, and hung up on me. 

I then called the corporate line listed on Alpha Recovery 's website ( https : //www.alpharecoverycorp.com ), XXXX, on XX/XX/XXXX at XXXX MST. I spoke with a woman, who confirmed that XXXX XXXX was the manager of XXXX XXXX and XXXX XXXX, and that all three worked at Alpha Recovery. She again requested a DOB/SSN, which I refused to provide. I asked her to mail a letter to whatever address she had on file, which she stated she could not do without first confirming my identity, citing federal regulations. At this point, we ended the call. 

Overall, I am concerned that this group of people is running a scam designed to obtain personal information from concerned individuals. They called me from various different numbers, hung up on me after I declined to provide sensitive identifying information, cited an invalid phone number but then refused to provide any information on the account, and claimed falsely to have spoken with me in the past. They did all of this without providing any written documentation of a debt. I strongly suspect that these attempts to collect personal information were fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A XXXX XXXX CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON XXXX XXXX CREDIT CARD BILLING SITE. THE ONE I MADE ON XXXX XXXX SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE.

XXXX XXXX REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

CoreLogic Rental Property Solutions as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S.Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). CoreLogic Rental Property Solutions is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Remove my information from your company 's database or I will be seeking litigation.
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions Consumer Center is reporting FALSE information & now our insurance company ( XXXX ) wants to drop my husband because of it & other companies are hiking up the prices from it. We received a notice of Nonrenewal from our Insurance company a month ago. We've spent the past month with our Agent contacting the Colorado DMV and Driver 's License Office and XXXX XXXX Court. Everyone has told us that LexisNexis Risk Solutions Consumer Center has reported false information. We've attempted to contact LexisNexis Consumer Center 3 times to dispute this incorrect information with all our correct documentation proving them wrong. They sent us a letter stating they denied to change their information stating we didnt have documentation. We sent them proof of identity & address, the Nonrenewal notice from our insurance company with THEIR name LexisNexis Risk Solutions Consumer Center listed as the reporting agency on it, and an Official Colorado 7yr Driver Record. We went on to the XXXX  website and EVERY comment/review was about dealing with the same problems with LexisNexis Consumer Center that we are dealing with right now. We also filed a formal complaint with the FTC. This company should NOT be allowed to stay in business!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair  Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : XXXX/ Account # XXXX, ( XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXXXXXX XXXX XXXXXXXX # XXXX ( XXXX XXXX  XXXX # XXXX ) U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Credit reporting or other personal consumer reports

You have allowed the following unknown account to be reporting inaccurate and erroneous information on my credit file since inception to my credit file. ACCOUNT : NATIONAL CREDIT SYSTEMS # XXXX. 15 U.S.C. 1681e ( b ), which requires credit reporting agencies and furnishers to maintain accurate and up-to-date information. Inconsistent Reporting of Date Last Activity. XXXX reports Date Last Active XX/XX/XXXX, Experian XX/XX/XXXX, and XXXX XX/XX/XXXX. There has been no recent financial activity or payments on this account for the dates to be inconsistent and according to federal law this is ILLEGALLY re-aging of debt and you are allowing this company to continuously re-age this debt monthly. XXXX has since deleted this account when I brought their attention to these illegal reporting activities. Please follow suit and delete this account immediately. Federal laws supersede any corporation 's policies or procedures and protects consumers from unfair and abusive practices. It is economic abuse, defamation of character and is permeating my everyday life harming every aspect of my life and my wellbeing. I will be pursuing forward with litigation if this illegal activity continues and this account is not deleted immediately. Please see documentation for proof of identity, and proof of deletions and inaccurate reporting information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I just recently did another dispute, which Im uploading here. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute as to the incorrect items on my credit report with Experian, XXXX, and XXXX, and it has been well over 30 days and I have not received any investigation results! 
According to the law XXXX XXXX XXXX XXXXProcedure in case of accuracy. 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 wether the disputed information is inaccurate and record the current status of the disputedinformation, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period begining on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX, and XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This serves as an official letter, and I am choosing to permanently opt out of FactorTrust Inc. I want to remove my name permanently from the lists FactorTrust provides to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance.
Product: Debt collection

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN CREDIT FROM YOUR COMPANY. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : CAPITAL 1 BANK USA, NA OPENED : XX/XX/XXXX AMT. XXXX CAPITAL 1 DATE OPENED : XX/XX/XXXX AMT. XXXX I HAVE ENCLOSED MY POLICE REPORT, ID AND SOCIAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax report there is an incorrect name listed. I have not taken any steps fot correct this other than notifying you. I also would like to know why my score is not perfect since ai have made all payments to creditors and loans on time and paid mortgages off early.
Product: Debt collection

XXXX is reporting on my personal credit file with ( XXXX XXXX credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX Balance : {$5900.00}
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I tried to make a simple crypto transaction on XXXX to a self hosted wallet for a small amount of MY money. There were no indicators that this would get my account locked, they shouldn't offer the service if they don't allow it to happen. So they locked my account, and then say its under review for XXXX days. The day comes and they call me and say they need " More information '' in the form of intrusive questions most of which not relating to use of their platform. I answered the questions and it was under review for XXXX more days. They then called me and I answered and I didn't even get to speak to a human, they left me on hold for XXXX hours before I just hung up, which they then proceeded to tell me I needed to call them because they couldn't get in contact with me. So, I called again, then they said that I answered all their questions and to wait for them to finish reviewing the case. Now comes XX/XX/year> and they just called me again, saying I needed to answer more questions, the girl I talked to asked me XXXX questions that were literally questions they asked on the first round of questions and then she said that is all and hung up. They then said they need to review it again. The date has now been pushed back to XXXX as " under review '' and my account is still locked. It initially started out as just crypto sends were locked, but they locked my entire account AFTER I answered their questions. The money on there is all XXXX % legitimate from my XXXX XXXX XXXX account from over the past XXXX years. I have submitted my ID and pictures of my face XXXX times. I have provided my account details and last XXXX of my social upwards of XXXX times. They just keep pushing back the review date and wasting my time while holding onto my money for trying to use their service. They are beginning to look like a scam service. DO NOT USE ROBINHOOD! 

I have answered all of the questions, No one has hacked my account. Give me access to my account!
Product: Credit reporting

I have incorrect information in my credit which is setting me back from my mortgage loan approval. I have been going back and forth with companies to resolve the issues but I 've been told that the credit beaureau are reporting this information. I am unavailable to file a dispute because when I put in my info to dispute, it says can not process request. Please help us out!
Product: Credit reporting or other personal consumer reports

I am disputing the following accounts because they do not belong to me and appear to be the result of identity theft. I did not open, authorize, or use these accounts, nor did I receive any goods or services associated with them. Despite my efforts to address this with the companies involved, the accounts remain on my credit report. 

XXXX XXXX ( XXXX XXXX ) : XXXX XXXX is reporting a collection for services with XXXX that I did not authorize. I never opened an account with XXXX, nor did I receive any notice or bill. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This account does not belong to me. I never initiated utility services with XXXX XXXX or any related provider. I believe my personal information was used without my consent to create this account. 

XXXX XXXX XXXX XXXX XXXX XXXX ) : This debt is incorrectly attributed to me. I never signed up for any services with XXXX XXXX. Attempts to contact XXXX XXXX XXXX for clarification have not been successful. 

XXXX XXXX : A vehicle loan account is listed under my name, but I did not apply for or finance a vehicle through XXXX XXXX. This fraudulent account is impacting my credit, and I am requesting its immediate removal. 
Macys : I do not have, nor did I ever open, a Macys credit card account. This account appears to be fraudulent. 

XXXX XXXX XXXX XXXX : XXXX XXXX is reporting an account that I did not open. I have never had any financial relationship with XXXX XXXX, and I suspect identity theft in this case. 

XXXX XXXX XXXX XXXX XXXX  is listing a credit account with late payments under my name. I did not apply for any accounts with XXXX XXXX, and I believe this is the result of identity theft. 

In addition I have never lived at this address XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Actions Taken : I placed a fraud alert on my credit reports. 
I filed a police report for identity theft. 
I submitted a dispute with the credit reporting agencies and contacted the companies involved, requesting the removal of these accounts. 
Despite my efforts, these accounts remain on my report and continue to harm my credit score.

I am seeking the Consumer Financial Protection Bureaus assistance in ensuring these fraudulent accounts are removed from my credit reports. I also request that these companies investigate and provide a response regarding the fraudulent activity.
Product: Money transfer, virtual currency, or money service

Initiated a money transfer to a friend in XXXX on XX/XX/XXXX via XXXX XXXX XXXX online services ( Continental Exchange ). However, you he transfer for rejected as well the account closed the same day. The money from my bank account was taken immediately. When I tried to get the refund of my USD back to my bank account it was not returned at the time of this complain. Please help me get my money back soon and also get me compensation for the damages caused by all the issues. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I was informed by your company ( Transunion ) that ( account XXXX ) ( XXXX XXXX XXXX ) was deleted from my credit report. 

I have now realized that this same item was REINSERTED onto my credit report In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency I have received no such Notification, This is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately Delete this Account from my credit report in order to avoid legal action I will also fax this to the CFPB. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry XXXX XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Debt collection

I recently received a letter from Hayt, Hayt, and Landau ( without being properly served ) for a NOTICE OF XXXX XXXX XXXX XXXX XXXX XXXX. I was initially very confused about what this was about, but after some digging, I found it pertaining to a XXXX judgment ( XXXX of XXXX  ) that I didnt know existed from an old credit card account for a few XXXX dollars that were a result of identity theft. 

Back in XXXX, someone charged over {$4000.00} to a credit card account with XXXX XXXX. This was immediately worked out with XXXX XXXX and there isn't any debt owed. Hayt, Hayt and Landau are illegally attempting to collect this debt and are trying to sue in order to collect. I have been sent a letter asking to attend an XXXX XXXX XXXX XXXX XXXX XXXX This is illegal and needs to be canceled ASAP. 

Therefore, Hayt, Hayt and Landau violated the following : 1. Illegally attempting to collect a debt that is not owed 2. Trying to sue me to collect a debt that is not owed 3. Attempting to take me to court over a debt that is not owed 4. Illegally attempting to collect a debt after the statute of limitations has run out Upon researching this firm, they have been sued for faking intent to take depositions against individuals and rarely, if ever, went through with the deposition. Per the linked article below, this firm schedules 30-90 depositions within a XXXX time slot, but only XXXX % of individuals actually show up as notified. Of those who appear, only 2 % actually had a deposition taken. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Companies Pulled My Credit Report Without My Consent XXXX XXXX XX/XX/XXXX 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
Product: Credit reporting or other personal consumer reports

am writing to you regarding the account identified as XXXX, which was charged-off or placed in collections on XX/XX/2024. After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report. 

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile.