23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I refuse to pay this debt. Please cease and desist communication with me about this debt via my credit report. 15 usc 1692 ( c )
Product: Debt collection

See complaint XXXX, XXXX is stating they never sold this debt to a collections company, if that is true then this collections company is committing fraud to attempt to collect a debt discharged in bankruptcy. HIGHLY ILLEGAL. I have already had my lawyer send a cease and desist letter, however this is extremely concerning and appears highly illegal. Your job is to protect the American public, please do so and find out what is going on here. What I think happened is the collections co went into PACER, pulled some information, and tried to scam me or XXXX is overtly lying on the accompanying CFPB complaint response. This collections co has an interesting reputation online too, called a scam multiple times.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 XXXXEQUIFAX 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 rights.

EXPERIAN 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/EQUIFA XXXX XXXX XXXX XXXX
has violated my rights .

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

According to the Fair Credit Reporting Act 15 UCS1681 section 602 states, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX and FICO are consumer reporting agencies and i am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title 15USC 1681 sec. 604 a sec 2 states that in general subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. Furnisher of information to credit agencies, the financial institution and the consumer reporting agencies XXXX, XXXX, and FICO do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and FICO, Furnisher of information to credit agencies whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15USC6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how to consumer can exercise that non-disclosure option. Furnisher of information to credit agencies, never informed me of my right to exercise my non-discloser option. Not only that 15USC 1681c ( a ) ( 5 ) states Except as authorized under sec. ( b ) no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15USC 1681s-2 ( A ) ( 1 ) a states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 ( e ) states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec. 1681c of this title and to limit the furnishing of the consumer reports to the purposes listed under sec. 1681b of this title. XXXX XXXX and FICO
Product: Credit card

I started receiving calls from BARCLAYS BANK around XX/XX/2023. They will call me several times a day. When I would answer the calls they would hang up. I finally decided to call back and ask why they calling my cell phone and she stated she could not give me any information. This was on XX/XX/XXXX of 2023. I advised her XX/XX/XXXX of 2023 if she can not give me any information to do not call my cell phone any longer and put my phone number on the do not call list. They continued to call my phone time after time after I requested Do not Call. I do have several screenshots and a phone record. I finally answered one of the calls again, and again they hung up. So I called back And asked them who are they looking for? She took my phone number and stated my full name. I advised her that I am the person that you're looking for. I advised her again that I requested that they do not call me XX/XX/XXXX of 2023. However I have been getting calls ever since then. We went over the account, and she advised me that the account was past due because of check return. I advised her that the rebate was not applied in time and when I paid the payment, it told me I had a XXXX balance. She went to explain about the rebate and what the rebate covered. I advised her I would touch bases with my bank in reference to the payment returning. However, the rebate was the issue. A few days later I begin to get calls again from BARCLAYS BANK. Again when I would answer, they would hang up. I called back I believe XX/XX/XXXX and asked them why they still calling me when I asked to be put on the do not call list and Do not Call my cell phone phone. The young lady profusely, apologize and stated she would put my number as Do not Call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Experian reported XXXX XXXX XXXX will continue on record until XX/XX/XXXX. On XX/XX/XXXX, XXXX shows Experian reported XXXX XXXX XXXX will continue on record until XX/XX/XXXX. The payment history shows a payment in XX/XX/XXXX and XX/XX/XXXX. This is the inaccuracies I've been disputing for a couple years. There had not been any changes. I've even sent Experian a copy of XXXX  deletion of XXXX XXXX XXXX due to the inaccuracies. Finally, I sent a copy of XXXX  to Experian to show more inaccuracies. XXXX  date of first delinquency XX/XX/XXXX. Experian still verified everything reported was correct.
Product: Checking or savings account

Several amounts of monies are withdrawn/hacked from my Checking Account 4-6 times yearly with Wells Fargo Bank. I have called with some issues being resolved for small amounts of monies returned ... .but not large amounts. I feel this is robbery from the financial institution that I should be able to intrust my monies with.. this feels like a facility that won't allow a loan or even a financial advisor without a fee to their customers ... and allow thieves to still from their consumers. I feel my privacy has been beyond exposed ... at this point there is absolutely no way to know who all has my information through Wells Fargo Bank. 

Loyal Customer XXXX XXXX XXXX
Product: Debt collection

I noticed the company, Amerassist, on my consumer credit report showing that I had an alleged account with them. I have never had any business with them, nor have I given any authorization for this company to furnish any information about me or my medical information to any third party. I attempted to contact them in good faith, however, they are still reporting this debt on my consumer report. Furnishing this information to a third party without my consent or approval is a violation of HIPPA laws and violations of the FDCPA and FCRA. This is my last attempt to amicably resolve this issue. If this is not removed in 5 days, I will begin legal action against Amerassist, along with the company whom they are collecting for.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX 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

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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: Debt collection

i notice a inaccurate item on my report from SMITH & ASSOCIATES on XX/XX/2021, about a alleged debt of {$140.00} that i dont owe nor have i had any dealing with SMITH & ASSOCIATES.I requested documentation for the alleged debt on XX/XX/2021 and has not heard from them thus far.attach is a copy of the information that i sent them, also they are sharing my personal information without my permission, which is a violation of the HIPPA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXXXXX Balance : {$230.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance : {$390.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance : {$330.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 

XXXX XXXX Balance : {$1000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX Balance : {$710.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$20000.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX2024 with a balance of {$75000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is FULLY AWARE that I am a victim of identity theft. However they are ILLEGALLY violating my rights by reporting this incorrect and fraudulent information. Not only are they reporting illegally but they are REFUSING TO REMOVE the INCORRECT INFORMATION. They have NEVER sent me any documentation that supports why they are continuing to report these fraudulent addresses on my credit file. 
I have NEVER LIVED NOR HAVE I EVER BEEN ASSOCIATED WITH EITHER OR THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

Called Kohls customer service and Spoke to XXXX # XXXX and her supervisor XXXX # XXXX today ( XX/XX/XXXX ) to ask for an interest rate reduction. They told me Kohls does not ever lower a cardholders apr. The interest rate reflects the current prime are. am paying 24.99 % and 23.99 % interest, have paid as high as 27.25 %. Ive held the card since XXXX. Ive been making overpayments on time and asked for a reduction bc 25 % interest in clothing is craziness!!!
Product: Mortgage

My mortgage has transferred ownership two times. It began with IndyMac and then was bought out by XXXX XXXX and then shortly thereafter, was bought out by OCWEN Loan Servicing , LLC . Currently my adjustable rate mortgage is serviced by OCWEN. I have never held escrow on any mortgage and have always paid my own property taxes and insurance with no default in payment. In XXXX of 2015 I was issued a statement saying that I owed {$3300.00} in escrow fees and my monthly payment would jump by nearly {$700.00}, in addition to a rate hike. I did not opt for an escrow account, they simply issued it to me without my consent. Both I and my insurance XXXX have submitted supporting documentation to them with current insurance and property tax accounts SEVERAL TIMES and they refuse to remove this charge of escrow from my statements, even after I wrote a letter to them telling them that I would not pay into escrow and would only pay principal and interest, as I always have. I do not want this to adversely effect my credit, which I am struggling already to improve so that I can refinance with a more ethical lender. They have imposed a financial hardship to me and I believe they have done so in attempt to force me to go into foreclosure, even though I have never fallen behind on my mortgage payments and I have about $ 200K in equity on my home. It has reached borderline harassment. They call me even though I have already made payment ( reflected in my bank account statements ) and tell me that I have missed payments. They need to be investigated and pay appropriate consequences for their blatant predatory lending practices.
Product: Credit reporting or other personal consumer reports

My account was affected by a data breach due to XXXX, Experian, XXXX,
Product: Credit reporting or other personal consumer reports

I have a Bankruptcy Reporting on my Credit Report that is reporting inaccuracies, The XXXX  that was filed is incorrect and the Dates is incorrect, And the status of it is incorrect. I will be sending Documentation of correct information from my attorney and I will like this inaccurate information deleted immediately because I have tryed to fix this and the issue has not been fixed and all my rights are being violated due to the FCRA, The Bankruptcy is Ref # XXXX
Product: Debt collection

I have tried to contact ARS Account Resolution Services several times. They refuse to correct there errors. They are consistently reporting an accurate information on my credit report. Every letter that I have sent to them, The company refuse to even take the time to response to what in the letter. instead they send the same documents to me over and over. I am tried to call and talk to them but ARS still reporting an accurate information on my credit report, which is costing me thousand of dollars. They are claiming that I owe {$930.00} that I do not owe.
Product: Credit card or prepaid card

I am writing about the unauthorized transactions made on XX/XX/XXXX. Previously, I filed a fraud claim as I did not make those charges. However, the investigation was unsuccessful, and the amount was reinstated on my account. I talked with a fraud specialist extensively and they advised to write a letter detailing my experience and what actually happened as they believe that I was mistakenly believed to have made those charges. 
On the morning of XX/XX/XXXX, I received 14 charges on my account totaling {$2300.00}. I was sleeping during that time and by the time I woke up, I only got XXXX fraud notification message asking me if I made a transaction of {$1000.00}, which I declined and replied no to, while failing to alert me of the previous 14. I received a letter notifying me that I was not responsible for 4 of those charges on XXXX 

So that means I should not be responsible for the other 10 either since they were made together. I also do not believe that I have received the chargeback for those 4 charges. I hope this can be looked into again. 
Thank you so much.
Product: Checking or savings account

Wednesday XX/XX/XXXX at XXXX XXXX  I made a cashiers check deposit into a chase atm account. I got a receipt immediately saying I should call a number with the claim number provided to make sure my money was deposited. There was no records of the deposit once I called. Chase continues to say theyll expedite things and send emails informing me of the actions but nothing has been resolved and Ive yet to be reached out to. All the communication has been due to me calling 1-2 times a day. 
Ive used chases atms for years and never had this issue before. This is a business account that I use for payroll and there seems to be no concern whether my business will make it or not.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 financial institution and Zelle failed to investigate my claims inadequately. They informed me that recovering loss funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers 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 customer safety.