23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called regarding a bill sent to me from a lawyers office. I gave my information when asked. I let the man who answered the phone know that I had already paid the bill and did not know why it was in collections. He told me to send proof and told me to have a good day.i said for him to wait and not hang up on me. He did any way. His name was XXXX. I called back to have XXXX answer the phone. I asked why he hung up on me when I was not finished talking to him. He told me the conversation was over. I told him that on his end but I asked him not to hang up on me. He asked what else he could do for me. I stated that I needed to know what they excepted for proof of payment. He stated he did n't know. I asked how he could not know if he wants me to prove it was paid? He continued to tell me he did n't know. He told me what ever I wanted to use. I asked to speak to his supervisor and agreed that the conversation was over with him. He told me the outcome was not going to be any different. I again informed him that our conversation was over and please give me his supervisor. He put me on hold and his supervisor came on the line. I did not catch his name. I asked the supervisor if he could tell me what forms of proof they excepted since XXXX as not trained right and could not tell me. The supervisor told me he too, did not know and it was up to me. I told him if they had no protocol and it was up to me, then how about a verbal statement. I then verbally told him I paid the bill and asked him if that was ok? The supervisor stated he was hanging up on me and did.
Product: Checking or savings account

Back I'm XX/XX/2020, I was defrauded by someone that accessed my XXXX account through my Wilmington Savings Fund Society checking account in the amount of {$950.00}. When I reported the fraudulent action to my bank, a bank customer support representative submitted my information to the bank 's fraud department and after weeks and weeks of going back and forth to the bank and calling on numerous occasions seeking answers, I was informed that the customer representative who was working on my case had transferred to another state and no one else ever attempted to assist me with this matter. I eventually became frustrated at their lack of effort in reimbursing me my lost funds of {$950.00} that I basically gave up. Whatever assistance you may be able to provide in this matter is greatly appreciated. Thank you and have a good day. 

Sincerely, XXXX XXXX
Product: Bank account or service

Deposited on XX/XX/XXXX {$860.00} into Bank Of America checking account. On XX/XX/XXXX a " Preliminary Injunction '' was filed by United States District Judge XXXX XXXX XXXX. A Judgement shall issue a check in the amount of XXXX payable to the " United States Department of Justice. 
1. Filled out a XXXX for California Request ( lien search ) XX/XX/XXXX and submitted that along with a money order to pay for the lien search to the Uniform Commercial Code online portal Office in my state where I 've taken up residency ; 2. Upon receipt of the search results, I found that there were no legitimate liens against me in the public record ( including no legitimate Internal Revenue Service liens ) ; 3.Made a true copy of the search results from the California Uniform Commercial Code office and attached it to a Notice and Demand sent to each of the credit bureaus. 
4 IRS Notice of Lien removed by credit bureaus. 
5.A valid lean by Internal Revenue Service requires a District Court Judge 's Signature, and whereas you are publishing a lien against me, and the attached XXXX shows no valid liens in the public record ; and where as this lien is damaging my reputation without cause, 6.Therefore, you are hereby granted Truth-In-Lending-Regulation Z District Court Judge who authorized the lien you are publishing against me OR to remove the lien from the public records.
Product: Checking or savings account

XXXX XXXX. Action was taken on XX/XX/XXXX. Account number XXXX XXXX XXXX XXXX XXXX XXXX. Everyday since no action was preformed by the company no wouldnt get back to me about account
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a natural person Im a living human being I have rights under 15 usc 1681 Equifax os governed by 15 usc 1681 They violated my rights numerous times I demand the inquiries below be removed According to 15 usc 1681 I have rights that are being violated but equifax These inquiries were done without permissible purpose The companys do not have record of these inquiries please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

After reaching out to XXXX about an unauthorized inquiry that appears on my Equifax credit report, on XX/XX/2022 I mailed to Equifax a dispute letter advising that the following inquiry was not initiated by me : XXXX I also included with this letter is a copy of the Federal Trade Commission affidavit . 
On XX/XX/2022 I submitted a complaint to the cfpb. Equifax responded requesting me to verify my identity. 
On XX/XX/2022 I mailed to Equifax the following items certified : identity verification documents the dispute letter a copy of the ftc report After the 30 day investigation Equifax has not removed this inquiry from my credit report. This will be my fourth attempt seeking a resolution from Equifax for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, this serious issue with Equifax and correction and or compensation to 147 million.  WE DO NOT WANT FREE SERVICE ANYTHING WE WANT OUR WELL DESERVED AND LEGALLY DESERVING MONETARY COMPENSATION, IT'S WRONG FOR CFPB TO BE WORKING FOR THE COMPANY THAT HAS VIOLATED OUR TRUST AND ALLOWED OUR VITAL INFORMATION TO BE COMPROMISED.  DO NOT ALLOW THEM TO WALK WITHOUT HAVING FULFILL THEIR LEGAL AND TO ADD MORAL OBLIGATION TO THE MILLIONS OF PEOPLE THEY HAVE HARMED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Equifax my dispute letters over thirty days ago and this company has yet to respond which is a violation of the FCRA. I also did not give this company my permission to furnish these negative items on my credit report which is a violation of 15 USC 1681. I am entitled to {$1000.00} per violation.
Product: Debt collection

On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX XXXX in response to a judgment entered in Case # XXXX. I was never properly served with the original lawsuit and only found out about the judgment after the fact, which denied me the opportunity to defend myself in court. 

In my letter, I explained that the balance had increased significantly from {$1200.00} ( per a XXXX XXXX statement ) to {$3700.00} with no clear breakdown or justification. I requested a full accounting of the charges, and I also offered to settle the debt in good faith given my financial hardship, as my sole income is XXXX XXXX XXXX, which is exempt from collection. 

The law firm signed for and received the certified letter, but they have failed to respond meaningfully. Instead, they continue to send repeated 10-day notice form letters that ignore the content of my original response. This appears to be a stalling tactic or harassment and raises concerns under the Fair Debt Collection Practices Act. 

I am requesting CFPB review this situation and hold the company accountable for failing to respond appropriately and possibly attempting to collect from exempt income.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This educational department has promised not to give any of my personal information to anybody and that's including the credit bureau agencies . I am the holder of the consumer credit contract and I can assert my rights. 

16 CFR 433.1 16 CFR 433.2 16 CFR 433.3 16 CFR 313 16 CFR 313.1 I have the right to opt-out. I have never received a notice of my rights to opt-out from XXXX/Dept of Education . 

XXXXDept of Education is also violating my rights under : The Family Educational Act of 1974 and The Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Debt collection

A debt was entered onto my Credit report on XX/XX/2019 in the amount of {$510.00}. The Creditor was COMMONWEALTH FINANCIAL. I was not notified by mail, email or phone by the creditor to validate the debt. I mailed COMMONWEALTH FINANCIAL a certified letter with signature service requesting more information on the validity of the said debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). I have not received any requested documentation from COMMONWEALTH FINANCIAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mortgage refuses to report my mortgage to all three credit bureaus.
Product: Credit reporting or other personal consumer reports

FRAUD INQUIRIES ON MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE FRAUDULENT INQUIRIES AND ARE UNKNOWN TO ME AND ASKING FOR REMOVAL OF THE UNKNOWN INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & XXXX XXXX I have attempted to dispute public information being reported inaccurate on my credit file. I have disputed this information as not mine and someone with similar name filed bankruptcy. I have asked for physical proof that this public record being reported in mine. Since public record information is reported from a 3rd party source. Credit agency will not send me physical proof and keeps telling me that information is being furnished from the bankruptcy court. Bankruptcy courts do not furnish information to credit reporting agency. I received a letter stating to refer to the personal credit report you received for name, address, and phone number ( if available ) but nothing is available. I have yet received physical proof that the public information being reported is mine.
Product: Debt collection

Dear J. J Marshall & Associates, I am responding to your contact about collecting a debt. You contacted me by mail on XXXX XX/XX/2022 and identified the debt as {$2000.00} owed to XXXX Properties. I do not have any responsibility for the debt that you are trying to collect. 
According to 15 USC 1692a. ( 5 ) the term debt mean any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 
Further according to 15 USC g. ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability of the consumer. 
Therefore, I would like to inform you that this debt is not valid, and my failure to dispute the validity of debt will not amount to an admission of liability. I further request you to further remove this debt from my report and compensate me for my mental and financial distress. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I get calls on a daily basis, something two or three in a day from phone # XXXX, claiming it is JP Morgan Chase bank. The automated message says that it is important the I immediately return the call, and provides a toll free #. The latest call was after XXXX XXXXXXXX XXXX on Sunday, XX/XX/2019. I have been ignoring these calls because I haven't received any electronic messages ( e-mails ) from Chase, and there are no messages for me on the Chase web site. However, I called Chase ( phone # on the back of my Chase card ), and was informed that XXXX is a " phishing '' #. Please investigate the organization that owns this #, and prosecute them to the fullest extent of the law.
Product: Debt collection

Starting on XX/XX/XXXX I began receiving calls from Goldman Sachs. I explained I am not the Debtor they are seeking, but I am the mother. My son is in XXXX and has been in XXXX since XX/XX/XXXX. Since XX/XX/XXXX I have received XXXX calls, some days 3 times a day with me constantly saying I am not the Debtor. I asked on XXXX of the calls from yesterday XX/XX/XXXX and today XX/XX/XXXX to remove my number from the list. I was told on today by " XXXX '' ( I think ) she can not remove my number. After XXXX calls before XXXX I have since then received XXXX more calls. I am not the Debtor, I do not owe you money. The phone number you continue to call is my phone I pay the bill on and I will not stand for harassment.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit account. I recently discovered that there have been late payments reported on my account, and I would like to request the removal of these late payment entries from my credit report. I want to emphasize that these late payments were not a result of negligence but rather a temporary setback that I have since overcome. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX These accounts were NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service. I kindly request that you investigate this matter and, if appropriate, submit a request to the credit bureaus to remove the late payment entries from my credit report. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I explained to  XXXX , Equifax, and  XXXX  that i do not recognize any of these inquiries on my credit report. I am writing to dispute the following information in my file. I recently received a copy of my Equifax,  XXXX , and   XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insuranc e C. Employment D. Court Order The following credit inquiries are r elated to none of the aforementioned permissible  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

There is some arr, s on all three credit bureaus XXXX  and XXXX  and Experian XXXX XXXX XXXX, s all three collage, s over charged me for class, s I did, t take and one of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at XXXX XXXX in XXXX and at XXXX XXXX XXXX  online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, s that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, s and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, s XXXX  XXXX XXXX  onlne.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : DEPTEDXXXX  Account Number : XXXX -- Inquiries -- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

I have previously submitted my ID, proof of address and social security number. 

Disputed Information : Incorrect Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX EMPLOYERS : XXXX XXXX XXXX XXXX Documentation Sent : Identification, proof of address, social security number. 
Legal Foundations : According to the Fair Credit Reporting Act ( FCRA ) : Section 609 : I have the right to request verification of inaccurate information. 
Section 611 : Adequate investigation of disputed information is required. I have not received a satisfactory response.

Charge off : I am contacting you to file a formal dispute regarding several charge offs reported on my credit report. This communication seeks to rectify errors that seriously affect my credit history and that are contrary to applicable laws.

Legal Foundations Fair Credit Reporting Act ( FCRA ) : Section 602 ( a ) : The information reported must be accurate and truthful. The charge offs in my report do not meet this standard, which represents a violation of my consumer rights.

Section 609 : I have the right to request verification of any negative information. If they can not provide documentation to support these charge offs, they are required to remove them from my report.

Section 611 : Credit bureaus must conduct a thorough investigation of any disputed information. Failure to provide an appropriate response constitutes a breach of this obligation.

inquiries : I am contacting you to formally dispute several inquiries on my credit report. I request the immediate deletion of these records, as I do not acknowledge having given consent for their inclusion.

Legal Foundations Fair Credit Reporting Act ( FCRA ) : Section 604 : Inquiries must be reported only if they have been conducted with my consent. I have no evidence of having authorized any of the inquiries in question, which means their inclusion is illegal.

Section 609 : This section gives me the right to request verification of any information in my credit report. You are required to provide documentation that validates the authorization of these inquiries. Failure to respond to my verification request is a violation of my rights.Seccin 611 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Fair Debt Collection Practices Act ( FDCPA ) : Section 807 : It is illegal to report misleading information on my credit report. If charge offs are incorrect or unverifiable, their inclusion is a violation of the law.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have a fraudulent account on my report. It is preventing me from obtaining credit and renting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I received a call from a collection agency called CBE stating I have a outstanding account regarding XXXX  XXXX more than 8 years ago. I had settled and paid 9 years ago my debt with another agency. 
Now several years later I receive a call from CBE stating I still owe and they are a third party that the debt was sent from XXXX XXXX. 
I called XXXX  XXXX  which is now XXXX  and said they dont have anything open. 

They ( CBE ) want to charge me the same amount as 14 years ago {$730.00} I advised them this is a scam and I have checked my credit report and this is not appear of anything delinquent including this has been more than 10 years This needs to be investigated https : //www.cbecompanies.com/cbegroup
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair credit Reporting Act XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights 15.U.S.C. 1681 Section 602 A states I have the rights to privacy 15.U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX has the account listed as unpaid with a balance of XXXX but it is paid XXXXXXXX XXXX XXXX XXXX is a fraudulent account that I have no knowledge of XXXX XXXX XXXX XXXXXXXX is a fraudulent account that I did not authorize and it is unverifiable XXXX XXXXXXXX is also a fraudulent account please delete as such
Product: Credit reporting or other personal consumer reports

From the Desk of XXXX XXXX Consumer Financial Protection Bureau XX/XX/year> Dear Consumer Financial Protection Bureau, Per the FCRA, As a Federal Protected consumer, I am NOW OPT- OUT of ANY AND ALL authorization ; I the consumer may have given you written or unwritten, verbal and non- verbal Per 15 USC 6802. 



Regards, XXXX XXXX XXXX XXXX : BENEFICIARY
Product: Payday loan, title loan, or personal loan

this was a payday online loan debt trap with extra amounts added to my pay back amount, which i was unable to meet their pay back guidelines, due to paying my rent and lights, gas, causing financial stress on my household. Receiving harassment emails. Affecting my credit score.