23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

this company source receivables management unlawfully listed an account on my credit report stating it belongs to me with no proof. They reported it as a COLLECTION!! They have failed multiple times to provide me with and validation when I have requested it by phone and email and they need to remove this account immediately as this Is stopping me from being able to expand my business. Please help them to respond and remove this account as soon as possible thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am submitting a CFPB Complaint to inform the Credit Bureaus about the fraudulent accounts and incorrect information they have been reporting on my Credit File. After conducting research, I have learned that to remove these fraudulent accounts, I need to file a report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA section 605b, Credit Reporting Agencies are obligated to remove and block any accounts listed on an ID THEFT REPORT. I have attached the necessary documents to aid in blocking the erroneous information that is appearing on my report. Here is a list of the accounts that do not belong to me or were opened without my consent : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$600.00}. I assure you that I did not open these accounts or authorize anyone else to do so on my behalf. FCRA Section 605B ( a ) states that the Credit Reporting Agencies must block any information in the consumer 's file that is identified as resulting from fraud within four business days of receiving the request.
Product: Debt collection

I have been receiving harassing and repeated telephone calls on a daily basis from an unknown entity. The unknown entity used caller id spoofing in order to deliberately falsify information transmitted to my caller id to disguise their identity. The unknown entity used Maryland area codes and numbers in order to make it appear the calls were being generated from a local number. After significant research I discovered the calls were being generated from a JP Recovery Services located in XXXX XXXX, Ohio. The most recent call came from XXXX XXXX XXXX XXXX. According to their website they are " [ a ] nationally licensed team of healthcare professionals [ that ] works with hospital systems, physician groups and private practices to achieve optimum recovery on any type of account. '' Furthermore, they " integrate cloud-based technology, analytical recommendation software, and multi-channel communications to assure that we are offering the best options to patients. '' It also appears that XXXX ( a credit reporting agency ) is a technology partner. To date, I do not have record of receiving a written validation notice from JP Recovery Services regarding any alleged debt owed and my rights to dispute the validity of such alleged debt. ''
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report, and noticed i have a fraudulents accounts, please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this final goodwill letter in regards to a reoccurring problem by the credit bureaus and creditors continue to place inaccurate information and errors on my credit file. I have contacted each credit bureau by mail sending certified letters, previous recorded phone calls with supervisors and managers that I have on record, a complaint with the FTC, a law suit filed against all 3 credit bureaus along with a separate law suit against the creditors listed in the letter I have attached to this complaint. This is my final attempt to reach you. Please read the letter carefully and take it as a serious matter. It is not a threat, its a final good will letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

These agencies ( 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, are in violatation of 15 USC 1692g . These agencies were to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt. I do not validate these debts. Therefore, these accounts listed above must be deleted from my credit report. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Checking or savings account

Frost Bank called to confirm if an online account had been opened in my name. 
I said no and they are to close the account. 
They suggested I report to FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my TransUnion report from XX/XX/2022 from XXXX. I have disputed this inquiry with TransUnion and nothing was done about the problem. I have contacted XXXX Bank as well as XXXX and we had came to the conclusion that someone fraudulently tried to open an account with my information. I have asked them to remove the inquiry and they told me to contact the institution to which I did. They said they needed some type of document FROM XXXX stating that the information is incorrect in order for it to come off of the report. XXXX CONTINUES to claim they will contact the credit institution for almost 1 year now. TransUnion claims to have not received anything from XXXX.
Product: Debt collection

The amount they are trying to collect is incorrect. I have spoken with XXXX to update amount and tried to arrange payment plan since I'm unemployed.
Product: Money transfer, virtual currency, or money service

Purchased Border Collie puppy over internet. Sent payment via PayPal. PayPal placed hold on funds u til XX/XX/XXXX. We opened case to report as scam prior to funds being released but PayPal wouldnt hold the funds. They released to scammer anyway.
Product: Money transfer, virtual currency, or money service

Case reference : XXXX Wells Fargo Bank which I has been a customer since 2017 lied to me over the phone telling me every time I called a different story First they told me they need to verify a transaction sent to me by XXXX XXXX on XX/XX/XXXX for XXXX $ they needed documentation when I called again they told me they needed a notarized document signed by XXXX on the third call they told me they needed a Bank Letterhead from the sending bank. Finally I was able to sent the contract made before the sell was conducted they told me arbitrarily that it wasn't enough evidence. 

Also they told me that the only account that was gon na be closed was the affected one and them they are closing my whole relationship So I putting on this complain because every time I call a different story it's being told to me PRIVATE XXXX video of XXXX XXXX declaration XXXX : XXXXXXXX XXXX Also this was a private transaction that I made for me I needed to sell some BTC I own and I do it privately sometimes with all the due compliance and verification needed for a transaction this size. 

Who are you guys to decide what documentation is valid or no?
Product: Student loan

I attended XXXX XXXX from XXXX. My student loans were disbursed by XXXX XXXX ASPIRE SERVICE CENTER AND XXXX XXXX XXXX XXXX beginning in XXXX. I filed for bankruptcy to which XXXX XXXX XXXX XXXX/Aspire filed a claim in my case. They filed a claim on XX/XX/XXXX for the amount of {$23000.00} with the court and was paid through the court system. XXXX XXXXAspire was acquired by XXXX XXXXXX/XX/XXXX XXXX When my case was discharged, Aspire began trying to collect from me under XXXXAspire for the amount the court did not pay through the case. When I spoke on the phone with several representatives previously with the last one being today, different things have been told to me. The rep today ( XX/XX/XXXX ) told me that payments have not been made and that they did not file a case in a bankruptcy, so I sent her the printout from the XXXX to show proof of payment. She then found the payments in their system but stated that they pulled the debt back and billed it under the gaurantor which is XXXX. XXXX was not the guarantor when XXXX XXXX/Aspire filed the claim in the case on XX/XX/XXXX, they did not become the guarantor until XX/XX/XXXX to which at that time Aspire had already began receiving payments from the court. Payments were made by the court on the following dates below : They are now trying to make me pay for the loans under the new owner when they filed a claim and were paid under the old owner. Thank you for your help, Date Check Number Name of Party Description Payment Amount Total XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$120.00} {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$480.00} {$5100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$390.00} {$4700.00} XX/XX/XXXX XXXX GXXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$390.00} {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$480.00} {$3900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$390.00} {$3400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$390.00} {$3000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$480.00} {$2600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$390.00} {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$390.00} {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$480.00} {$1300.00} XX/XX/XXXX XXXX GXXXX XXXX XXXX XXXX XXXX XXXXMOUNT PAID TO CREDITOR {$390.00} {$880.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$390.00} {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$100.00} {$100.00}
Product: Credit reporting

On XXXX/XXXX/XXXX, I received information from my home loan processor or a public record / judgement on my credit bureau. I asked for the information and the loan processor sent me a copy of my credit report. There is a judgement from XXXX listed. The company is XXXX Bank, and the amount is {$8700.00} or {$8700.00}. This information is not correct. I have no knowledge of this information. Maybe they have the wrong person. Please help me to remove this information so I can proceed with my home mortgage.
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid off the total balance of my Victoria 's Secret Credit Card Account, which is {$32.00} and received a confirmation email for that payment. After that, on XX/XX/XXXX, I have successfully closed my account with the confirmation from Victoria 's Secret. However, that payment of {$32.00} was returned on XX/XX/XXXX with no reason provided. Up until now, no alerts nor notifications were made to let me know that the payment was returned. It resulted in the late fees of {$28.00} in my total balance. 
Since the late fees of {$28.00} was created by the lack of Victoria Secret 's responsibility to notify customer about the returned payment after customer had closed their account, I request that late fees of {$28.00} must be dismissed. 
Victoria Secret 's Customer Service denied its responsibility for the unnoticed returned transaction after customer closing account. 
See attachments for confirmations and proofs.
Product: Credit reporting or other personal consumer reports

Applied for financing XXXX. Seen that there were two additional credit pulls XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which were unauthorized and constitutes as identity theft and fraud. They will not address the matters as I had attempted to several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; 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 ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX 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 Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/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 ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

I receive daily phone calls from this phone number : XXXX. I do not owe any debt or have any relatives that this could be related to, so I'm convinced it is a scam. They leave me voicemails daily, it is harrassment and I'd like it to stop. 


Hi this message is for *******. If this is not ****** Please call us back at XXXX. To have your phone number removed from this account and discontinue listening to this message. This is Credit Protection Association calling concerning an important business matter. Please call us back at XXXX. Please refer to account reference number XXXX. This is an attempt by a debt collector to collect a debt and any information received will be used for such purposes. Again our phone number is XXXX. Thank you.
Product: Credit card

An account in my name was opened with Capital One. The account became delinquent, and I was taken to court. Even though I did not open the account or give permission for this account to be opened I was held accountable. My wages were garnished, I 'm ok with this because it ended up being a family member that opened the account. My wages were garnished, and the account was satisfied, and the case was taken off of the docket. Several months later, the funds were given back to me. I did not ask for the funds they just showed up. I called Capital One to inquire about the funds and I as simply told that the case was closed and the case was taken off the docket. 
Several months later, I received a letter stating that the funds were once again going to be taken from me, and I was being garnished again for the same funds that were returned to me! Only this time the amount was more than twice the original amount that had already been paid ( and returned ). When I called XXXX and XXXX, the attorneys handling the case, the only information they would give me is the returning date for the case when they pick up the wages that had been garnished. This is unfair and deceptive! The funds were returned to me and now I am being made to pay for funds that had been paid? 
Please contact me for more information and specifics to this case.
Product: Credit reporting or other personal consumer reports

This is my OTHER 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 inquiries 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 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it XXXX 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 CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Incorrect Name : - XXXX, XXXX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX 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 XXXX  IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] RIN 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

IN RESONSES TO CFPB : XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXL XXXX XXXX  XXXX : XX/XX/XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell FEB DESTINY/GF to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

FEB DESTINY/GF Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
Product: Checking or savings account

On Friday XX/XX/XXXX, I opened a checking account online with TD bank. Account number XXXX. The process was handled fully on the internet and I did not phone in or walk into a branch. 

An opening deposit of {$25.00} was pulled into the account and I enrolled in direct deposit with XXXX XXXX to have an additional {$500.00} transferred into the account. 

Today XX/XX/2019 I attempted to log in and received a message to call in at XXXX. I phoned in and was told my account had been restricted. I was told the account could not be closed and funds could not be moved unless I walked into a branch. I stated that I was not in proximity to any branches and that I had opened the account online. I was told there was nothing that could be done and that only my local branch, located in South Carolina could assist. I was given a phone number for that branch as XXXX. I called and was told by a manager that they would need me to physically visit the branch which is located several hours away from my home in XXXX, North Carolina. 

I am being told my money is held and restricted unless I physically visit a branch, after handling everything online with the opening and verification process. I need my money returned to me.
Product: Debt collection

Debit was disputed and removed from credit report by a prior debit collection agency. No signed contract nor promissory note on said debit.
Product: Debt collection

Resurgent receivables have {$2600.00} in collections but I dont know what its from or for. I have reached out to them to provide me a copy of the original contract with signature and a copy of the payment history. I have not received anything or heard anything back.
Product: Credit card or prepaid card

Kay Jewelers is calling me and my co account holder multiple times an hour from  XXXX  from different numbers from different locations in the country.