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

The following accounts does not belong to me and I'm respectfully requesting that these unauthorized accounts be removed. I've requested a Method of Verification for this investigation, I've requested physical documentation all to no prevail. The credit bureaus can not relay on electronic verification, nor shall they ignore a consumer inwhom identity has been compromised. And before these credit reporting agencies report accounts to a file they must be thoroughly and physical verified. I'm asking that these accounts be blocked and removed immediately. 

1 ) XXXX XXXX {$470.00} 2 ) XXXX/ XXXX 3 ) XXXX XXXX {$610.00} 4 ) XXXX XXXX {$10000.00} 5 ) Dept of ED/XXXX   {$4500.00} 6 ) Dept of ED/XXXX {$3500.00} 7 ) Dept of ED/XXXX {$2200.00} 8 ) Dept of ED/XXXX  {$2100.00} 9 ) Dept of ED/XXXX {$2000.00} 10 ) Dept of ED/XXXX {$1800.00} 11 ) Dept of ED/XXXX {$1700.00} 12 ) Dept of ED/XXXX {$1300.00} 13 ) Dept of ED/XXXX  {$1000.00} 14 ) Dept of ED/XXXX {$1000.00}
Product: Mortgage

On XX/XX/2018 at XXXX XXXX, I received a voicemail from a woman identifying herself as " XXXX '' from Quicken Loans, my mortgage lender. In her message she specifically identified herself as a " debt collector '' and said that she was attempting to collect on a debt and that any information I provided would be used to that end. She then advised me to call XXXX and choose option 3 to speak to a member of her team about this matter. At first I thought I was being phished, as Quicken Loans sent me an email just this week informing me that my mortgage payment for this month cleared on XX/XX/2018. However, when I retrieved my mortgage statement to contact the company directly, I noticed that the customer service number on the statement matched the one that was left on the voicemail. I called Quicken Loans this morning, XX/XX/2018 at approximately XXXX XXXX to clarify what this was about. I spoke with a representative named XXXX XXXX who informed me that although her records showed one of their staff had indeed called me yesterday, her records indicated that the purpose of the call was to get me to " provide feedback '' on my Quicken Loans experience which, up until now, had been extremely positive. She confirmed that my account is current and that there is nothing in her records indicating that I have ever missed or been late with a payment. I told XXXX that I did not approve of these deceptive practices regarding my finances and that I wanted to file a complaint. She asked if I wanted to have their researchers investigate the matter and I said yes, but said that unless they had recorded the original encounter then they would be wasting their time.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

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

Well according to the Fair Credit Reporting Act 15 USC 1681 section 602 a states it 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, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared and that is backed by 15 USC 6801 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. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( 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. '' The financial institution and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' the credit companys Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : 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. 15 U.S. Code 1681e states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
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Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I mailed a notice to CMG MORTGAGE INCXXXX dba CMG FINANCIAL ( herein " CMG '' ) a notice stating they were in violation of the FCRA, per, 15 USC 1681a 2 ( A ) ( i ), the term credit report does not include ..... Transactions or experiences between the consumer ( myself ) and the person making the report ( CMG ). THE LAW CLEARLY STATES : Transactions or experiences between consumer and the person making the report is NOT INCLUDED in consumer credit report. After their non-response I sent an notice of an Opportunity to cure to delete the late payment on XX/XX/2023. They received it XX/XX/2023. I then received their XXXX response on XX/XX/2023 stating that it was in review and research... .. Because of CMG unreasonable response, I then sent a Notice of Fault of Teir violations and how this has damage me and my family mentally and psychologically on XX/XX/2023. Furthermore, that this is hurting my family and I a opportunity to buy an investment property at a decent rate due to Their violations. 
then on XX/XX/2023 I received CMG last response stating that were bound by contract, in which I did not understand so i sent ( XX/XX/2023 ) CMG a XXXX response to my demands with a list of all their violations, so be it.
Product: Debt collection

Halsted Financial Services XXXX XXXX XXXX XXXX IL XXXX has been repeatedly robocalling me for over a month. It is a scam to attempt to get people to call back. When you answer the phone it is silent for 10 seconds then disconnects the call every time. This is unacceptable and a scam. This company should not be calling my phone multiple times a day from different spoofed numbers and then hanging up when I answer. 
When I finally called back the representative at first refused to give me the name of their company or their mailing address. I requested to speak with a supervisor and was placed on hold. 5 seconds later the representative disconnected the call. 
I called back and demanded a supervisor who finally gave me their company name and address, but had no explanation for the spoofed robocalls and in fact denied that their company even uses robocalls. This is a blatant lie and misrepresentation by this company. There is no other explanation for the frequency of the calls and the fact that every single time you answer it hangs up. 
This company is obviously not following the fair debt collection practices act in the letter of the law or the spirit. They did not even provide me with the mini Miranda stating that this is an attempt to collect a debt. This is unacceptable behavior and the company needs to be held accountable.

How many people has this happened to who do not know what is allowed under the law? This can not be allowed to continue.

Thank you for your time.
Product: Debt collection

American Coradius International is collecting an XXXX XXXX XXXX Credit card debt from me. I acknowledge the debt, I have been paying on the debt for the past 5 months. They refuse to send me any type of statement showing that I am paying this debt off. They also refuse to delete the charge off from my credit report when the balance is paid in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Validation of Debt ( Account Number : XXXX ) Dear Amsher Collection Service, I am writing to formally request validation of the debt that you claim I owe, as referenced in your records under the account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation for any debts you seek to collect, and it is my intention to ensure that this debt is legitimate and accurate. 

XXXX XXXX XXXX  Account Information : - **Account Name : ** XXXX XXXX XXXX - XXXX Number : ** XXXX - XXXX Opened : ** XX/XX/2024 - **Current Balance : ** {$260.00} - **Original Balance : ** {$250.00} - **Original Creditor : ** XXXX # XXXX XXXX Request for Validation : To properly assess this debt and my responsibility for it, please provide the following documentation : 1. **Verification of Debt : ** Please provide a detailed statement outlining the amount you claim I owe, including any fees, interest, or additional charges applied. 

2. **Original Creditor Information : ** I request that you provide the name and address of the original creditor ( XXXX ) and any information that verifies that the debt was transferred or sold to your agency. 

3. **Payment History : ** I request a complete payment history for this account, indicating any payments made, dates of those payments, and how the outstanding balance of {$260.00} was arrived at. 

4. **Legal Documentation : ** Please provide any legal documents or agreements that authorize you to collect this debt on behalf of the original creditor. 

XXXX. **Proof of Ownership : ** Evidence that proves you own the debt, along with a copy of the original agreement or contract that I signed with the original creditor. 

XXXX XXXX XXXX Dispute of the Debt : I believe there may be inaccuracies in your claim, either regarding the total amount owed or the legitimacy of the debt itself. I will not be making any payments until this matter is resolved and I receive the requested documentation. 

XXXX XXXX XXXX Communication Preferences : Please communicate with me in writing at the address provided above. I request that you cease all phone calls and verbal communication regarding this account until my request for validation has been satisfied. 

Failure to provide the requested verification will result in the removal of this account from my credit report, as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention to this matter. I look forward to your prompt response within the legally required 30 days. 

Sincerely,
Product: Credit card

This company has called me at least 7 times a day every day for the past few weeks. I work during the day and a lot of my work is done on my cell phone. The same phone they have been calling back to back to back. They even block their number and call me. Im only a month behind on a payment, them calling me non stop does not change my ability to many a payment. It actually makes it harder because its tying up my line having me miss work calls and stresses me out to the point Im not mentally motivated to work because they keep calling. I can screenshot my call log as proof. They have multiple numbers they call from. They called me on XXXX XXXX, on Sundays, on Saturdays. My daughter who is school, finance, and friends dont even call me that much. That has to stop!
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, due to the recent CFPB lawsuit highlighting the issues with the platform. With using Zelle a tremendous amount of and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed that the recovering lost funds was impossible and that tracking these transactions was impossible.
Product: Bank account or service

Wells Fargo switched around their monthly statements to exclude activity I do every month ( XXXX debit transactions ) on the same day and then charged me a service fee. They are refusing to refund me the {$10.00}. I suspect this is widespread. They purposefully make statements on odd dates that do not coincide with calendar months and change the statement time periods to trick consumers.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Debt collection

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from the Apple store at the XXXXXXXX XXXX  XXXX XXXX, CA. After they ran my excellent credit score, they said I qualified for an Apple Card/Goldman Sachs . This card would allow me to make monthly payments to pay the full {$890.00} without interests. 

My bank records will show that from XX/XX/XXXX to XX/XX/XXXX I made {$990.00} worth of payments. 

XXXX {$160.00} XXXX {$74.00} XXXX {$74.00} XX/XX/XXXX = {$74.00} XXXX {$74.00} XXXX {$74.00} XXXX {$74.00} XXXX {$74.00} XXXX {$120.00} XXXX {$100.00} XXXX {$74.00} For a total of {$990.00} which is {$93.00} over the {$890.00} price, but they want another payment of {$74.00}. 
I have a video of their accounting and it is incorrect. I will attach screenshots if the video is too large to load. The screenshots will prove that Apple Card/Goldman Sachs did not give me full credit for my payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I called the operators from the XXXX XXXX where I made the purchase and 2-3 different operators just kept me on hold for hours .... while pretending to investigate the matter. I recorded at least 3 different conversations. I will try to upload them too.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a phone call today from XXXX. The man on the phone said that they were preparing a suit against me out of Illinois for a credit card that I supposedly refused to pay. I immediately told him I did n't have any cards that were not current. The man on the phone said that this was a credit card that was opened in XXXX and then said the company reported to them that it was open until XXXX with no issues. I told him I did not have that card and I did n't have a card in XXXX that was open until XXXX and I asked him to reiterate that he was planning to file a suit to collect. He said they were preparing the suit and I again told him I did not have that card. He asked me to confirm my name again and what my maiden name was. I have been married for XXXX years. I have n't had any credit cards in my married name that I do not still have. 
He asked me about a mailing address that I had over XXXX years ago and I again told him, I did n't have that card and certainly did n't have XXXX that was open in XXXX. He then said that the card was open until XXXX and changed the year he claimed it was open until. 
So he said that he would go ahead and put down that it was indeed a refusal to pay. I angrily told him that I was saying that it was not a refusal to pay but that this card was not mine. I did not have any cards that were open in XXXX. He said " That 's okay, we already have you recorded ''. I told him I was going to report him and he said to " Go ahead and report me ''. 
This company, whose name he said was XXXX, was stating they planned to sue for a card I did n't have and using fear tactics that I know are illegal. The man on the phone refused to give me his name but he had a deep voice.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. 

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

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

XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. 

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

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

I was advised by PNC bank that my account will be closed and that I would need to go to a local branch to withdraw my funds. There is no local branch so after confirming with PNC I drove to XXXX, CA. Upon arrival, I was advised at the branch that the needed dept is closed for the day. I explained my situation and was told I would need to return in the mornnng. After sleeping in the parking lot, on XXXX, the branch advised they had mailed me a cashiers check After all day on the phone in XXXX, the executive team said they had released my funds and I should go back to the branch for the withdraw. I back at the branch and now being told that I can only have {$500.00} of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : Name XXXX XXXX XXXX XXXX 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

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. Experian neither corrected nor removed disputed items despite the evidence. This item was disputed on XX/XX/year>. 

XXXX XXXX XXXX  XXXX. 

This item was purchased by a Third-Party Debt Collector ( Credit Collections ). This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third-Party Debt and they are not the original owners and I never signed any accounts with them.

It is a violation of 15 U.S. Code 1692g and 15 U.S. Code1681e ( b ).