23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$5100.00XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX  XXXX XXXX .... Balance : {$540.00} ; XXXX XXXX .... 
Balance : {$17000.00} ; XXXX  XXXX .... Balance : {$6900.00} ; XXXX  XXXX .... Balance : {$5400.00}
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Debt collection

This is Ally Financial who call constantly call. It 's XXXX on Sunday and I 've received XXXX phone calls already. They either do n't answer when I pick up or hang up on me ( like they just did this 4th time calling ) or they finally talk and I advise them I have payments posted online to be drafted from my account to refer to their online system and stop harassing me. They still continue to call every day multiple times a day.
Product: Credit card

I had a PAY PAL line Credit with Synchrony bank ; XXXX XXXX XXXX XXXX XXXX XXXX. Which has been communicated and documented to said bank. Once the balance was paid down in XX/XX/2023 [ XXXX ]. They then closed my account without any notice. I called to ask why in XX/XX/2023, and was rudely spoken to its due to late payments and it can not be reopened As a result of a follow-up call the bank initiated a dispute which appears to have resulted in a credit balance of XXXX. Which appears to be the removal of late fees. That said to date I have heard nothing further and my account is still closed. They also reported the bank as late to two credit bureaus which hurt my score, then the bank reported it to the credit bureaus as an improved account. Yet theres no indication on my credit report that account has been closed by creditor.
Product: Checking or savings account

I lost my wallet and debit card for several hours on the XX/XX/XXXX had it returned eventually. 
Chime spending acct debited XX/XX/XXXX @ XXXX XXXX XXXX XXXX charged card {$140.00} XX/XX/XXXX unauthorized charge reported claim XXXX new card issued to replace debit card XX/XX/XXXX Chime denied claim XX/XX/XXXX requested documnts used to make decision advised of dissatification with decision. 
XX/XX/XXXX chime advised to resubmit rebuttal with docs to claim XXXX XX/XX/XXXX chime received request for documents in decision 10 day window on response XX/XX/XXXX Contacted member services complaint on dispute department XX/XX/XXXX rebuttal along with screenshots of transfer from external accoounts to chime on day of. 
XXXX/XXXX/XXXX claim XXXX denied XX/XX/XXXX rebuttal with info received from merchant verifying someone else used card XX/XX/XXXX chime denied claim XX/XX/XXXX rebuttal with copy of charge from merchant showing someone elses name on acct card was used on XX/XX/XXXX contacted member service they escalaed issue beyond dispute dpartmenet XX/XX/XXXX chime denied XX/XX/XXXX received documnts from chime decision XX/XX/XXXX contacted merchant to provide sttmnt of chagrge XX/XX/XXXX rebuttal XX/XX/XXXX chime denied XX/XX/XXXX XXXX XXXX all docutmnts snt XX/XX/XXXX documents from decision XX/XX/XXXX chime denied XX/XX/XXXX final attempt explaining situation with documnts XX/XX/XXXX chime denied
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} Medical XXXX Balance : {$73.00}
Product: Vehicle loan or lease

Dear sir I am writing you this communication to inform you that I requested documents from united auto credit about XXXX ( XXXX ) to XXXX ( XXXX ) weeks ago in regard to XXXX  XXXX XXXX  that was repossessed i have not gotten a responce as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so bewildered about this situation. I've submitted this complaint XXXX  times & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Product: Debt collection

CBE group of XXXX, TN, has repeatedly called me over the last year and half despite being told to stop. They refuse to identify who they are trying to contact. I have near perfect credit, so they are not looking for me. I told them to stop contacting in spring of last year. The calls stopped for a month or so, then began again. I again told them to stop calling me. The calls stopped for about a year but have recently started again. I have received two calls in the last three days. I have blocked them and reported it as spam through my cell carrier. 
The number used by them : ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair credit Reporting act. The list of accounts below have violated my federally consumer protection rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX # XXXX all these accounts have 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 also states a consumer reporting agency can not furnish 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.

please take this letter in consideration these in accuracies is causing a lot of problems in my finance when trying to apply for anything including jobs, please fix this problem asap thanks!!!!!!!!!!
Product: Debt collection

: To : Transworld Systems Inc. 
Account Number : # XXXX Re : Dispute of Debt and Request for Validation Dear Transworld Systems Inc., This letter is to formally dispute any and all debt you claim I owe. I am requesting written validation of this debt according to my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Please provide the following information within 30 days : A detailed breakdown of the debt, including the original creditor, date incurred, and amount. 
A copy of the purchase agreement between Transworld Systems Inc. and the original creditor.

Verification of your licensing and bonding in accordance with Louisiana statute RS : 47.1676.

Additionally, I revoke all consent for you to communicate with me via email, text message, or phone calls. Please direct all future communication regarding this debt solely through postal mail. 
Be advised that you have violated my rights by : Failing to provide debt validation as required by 12 CFR 1006. ( B ) ( 5 ).

Placing a collection on my credit report without proper disclosures, in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ). 
Using potentially false and misleading representations in your collection attempts. 
I take these violations seriously and will pursue further action if necessary to protect my rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Louisiana XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft BK OF AMER Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft BK OF AMER Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. I was going through my records & noticed that some items which do not belong to me were still in my credit report. Since Im a stickler for research, that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 
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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to XXXX XXXX business card. It never stated they would perform a hard inquiry on my credit. It stated there would be no affect to my credit score. After i submitted the application a hard inquiry was performed and i was denied. This is misleading business tactics.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

After Acima Credit falsely offered credit on behalf of XXXX XXXX  when they are actually a Rent to own business, I voluntarily, returned the Sofa. I made 1 payment and returned the product. The store informed me that they would pick up the sofa. On XX/XX/20 XXXX XXXX came and picked up the sofa. Animal credit received notification of this from the store XXXX XXXX. ACima credit continued to take payment until I filed a complaint with my Bank/XXXX XXXX to stop the automatic debit since I no longer had the product.
Product: Debt collection

Portfolio Recovery A is listed on my credit report as an account in collections.

I inquired about this collection after pulling my annual credit report by calling the company. The company states that they are not handling a account in my name and referred me to XXXX XXXX XXXXXXXX and XXXX. XXXX and XXXX did not answer the phone and has not returned my phone call. 
I am suffering from wage garnishments. The garnishments that are being paid are not being deducted from this supposed collection. When I questioned Portfolio Recovery A about the amount staying the same they said that they did not have any information about it and that i would have to call XXXX and XXXX. 
Portfolio Recovery A is not being transparent. Although they refered me to an organization that is taking garnishing my pay, it is not being reported. The amount they claim i owe them is the same as it was 5 months ago.
Product: Bank account or service

On XXXX/XXXX/2016, an unauthorized ACH posted to my TD Bank account in the amount of {$2000.00}. I went into the bank on the day it posted and signed a dispute claim. Three weeks later, I saw that the money was still not refunded to my account. I called TD Bank 's fraud department to get a follow-up, and was told that the dispute had been resolved in the other party 's favor because the other business claimed I had in fact authorized the charge. The member of the fraud department to whom I spoke could not give me any information regarding the entity that debited my account, what evidence had been provided suggesting that I had authorized this ACH, or tell me what else I could do to get my money back. 

Imagine that your bank account is debited {$2000.00}. You go into the bank and tell them that you did not authorize the dispute. Three weeks later, the money is not back in your account, and when you call their fraud department to inquire, they tell you that you are n't going to get the money back and that there is simply nothing else they can do to help you. This is what TD Bank has done to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account # XXXX US Dept ED Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Someone by the name " agent XXXX from EDD '' took money out of my account. Then he changed my password and now I can't even get into my bank of america account if I needed to. He took close to XXXX dollars from me. Now I HAVE NOTHING I need my money back urgently I don't know what to do. Please someone help me. I immediately called EDD the moment I realized what had happened and I talked to a very kind gentleman named XXXX who froze my benefits for me and sent me a new EDD card. I finally got my card in the mail but there's nothing on it. Can someone please please help me I have no clue what to do to go about getting my money back, I don't mean to sound so desperate but I am ... please and thank you I hope I hear back from someone soon
Product: Debt collection

On XX/XX/2018 at XXXX Pacific a debt collector for XXXX XXXX XXXX called from a fake phone number XXXX trying to reach my wife about a account that we canceled the day our 2yr contract was up with XXXX XXXX XXXX but XXXX XXXX XXXX failed to cancel 3 months down the road we  were getting phone calls saying we owed $ 600+ for non payment of the acct that we canceled but anyways their debt collectors are using fake phone numbers to get us to answer the phone using local numbers when In fact they're number is XXXX XXXX XXXX  and their excuse is they use these numbers ( spam numbers ) to save on long distance calling, when in fact I know they're using local numbers to trick the consumer to answer the phone because the chance of a consumer answering a XXXX number is slim to none because of all these imposters and scams but that doesn't give them the right to use trick numbers tactics to trick us into answering our phones, if they can't call with the appropriate number of their business then that tells me they are not professionals and will go to any length to collect a debt, also their business has been reported several times and that trick number has been reported on the do not call lists before, and the other thing is they wouldn't answer my questions completely with honest answers, this can not be ok for debt collectors to pull
Product: Checking or savings account

I submitted a mortgage payment to XXXXXXXX XXXX  on XX/XX/year> in the amount of XXXX. On XX/XX/year> My mortgage payment was presented to Bank of America in which Bank of America returned. My account was not overdrafted as a result of this transaction, which is what the email stated from BOA notifying me that my payment was returned and my account was overdrawn by XXXX cents. This is resulting in a late payment reporting to the credit bureaus from XXXX XXXX as they will not resubmit the payment.