23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collector engaged in abusive, non-verified, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we did not agree upon, nor did I sign any agreement. A legal contract signed is by two parties, and I did not participate in any of this. More so they didn't follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation and they have clearly violated.
Product: Money transfer, virtual currency, or money service

I paid off a loan for XXXX through Citi - customer service says XXXX but that site is not valid. When I call XXXX, it says my account is closed ( because I have paid it off ) ; however, a monthly recurring, automated bill pay for the amount of {$220.00} is still paid to this closed account. I have twice called my bank to try to stop the payments but they do not have a record of this. I'm confused, as this bank has my only checking accounts. XXXX will not give me the last four digits of the account from which the funds are drawn, but I gave them the last four digits of all known accounts but they do not match up. So I have to repeatedly request refunds from XXXX. I don't want them earning interest on my money that is not rightfully theirs. How do I rectify this very frustrating situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016, I contacted all 3 credit bureaus to advise my name and old phone numbers were incorrect. I received updated credit reports that my personal information had been updated by now on my 3 credit  reports the information has re-appeared. There are several name son my credit reports that are not mine as well as incorrect addresses and phone numbers on all 3 credit reports with the 3 major credit bureaus.
Product: Debt collection

I do not know why LVNV Funding is reporting as an open collection on my XXXX, XXXX, and XXXX credit reports. There are two different accounts that are listed under LVNV Funding and they reported that they are a debt buyer that is reporting. They can not do that. I Received no correspondence of owing a debt when these accounts were paid off and closed. I looked up some information to contact them directly only to find out that they are not licensed to collect in my residential state of Michigan. Please delete the following accounts from my XXXX, XXXX, and XXXX reports for improper use and inaccurate reporting please : LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX. ) - Account # XXXX
Product: Debt collection

Creditor , XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX was complained about in BBB Case # XXXX. According to XXXX XXXX, XXXX ext. XXXX, the creditor declined to engage in a dispute resolution procedure in XX/XX/XXXX. In XX/XX/XXXX, creditor forwarded one of their disputed accounts with me to CMRE ( account # XXXX ) located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX. On XX/XX/XXXX, I emailed XXXX a summarization of dispute history -- requesting it drop XXXX XXXX XXXX account per its unethical administrative conduct. To review , XXXX XXXX XXXX ( ACCT.XXXX ) forwarded for collection my disputed balance owing to a variety of  outside agencies without regard for billing errors. My emails to CMRE received no reply, but collection calls continued. BBB 's complaint # XXXX was started in XXXX XXXX in order to address CMRE 's deliberate indifference about XXXX 's conduct. In reply to BBB,  CMRE sent statement of PT services dated XX/XX/XXXX. In email reply to it, I addressed their record as not at issue. The dispute, rather, was about XXXX 'S broken promise to provide " in network '' benefits for my XXXX " XXXX XXXX '' policy first discussed with its Insurance Benefits Supervisor, XXXX.Instead of addressing XXXX 's dodginess re : billing error ( an internal matter after reported services ), CMRE simply provided reference to activities occurring prior to dispute -- changing the subject. So CMRE perpetuated XXXX 's refusal to address original cause for concern and create false inference that balance reported owing was without question marks. On XX/XX/XXXX, CMRE sent another form letter without contact info or reference to materials it received this month demonstrating support for my position that XXXX 'S reused to provide a dispute resolution procedure to which I was entitled over a year ago. Please note that XXXX 's has more than one account number, but all it 's accounts for me remain in disputed status with respect for above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I called Equifax to cancel my myEquifax account. After keeping me on hold for a very long time, they said they would escalate my request, to complete it. After further questioning, they said it takes " awhile '' to cancel accounts -- so long that they could not complete it while I was on the phone ( despite the very long time on hold ). Moreover, they could not give me any idea how long it would take, and they could not provide any confirmation that my request was even being processed. 

I asked to speak to a supervisor and was put on another very long hold. While still on hold, Equifax disconnected me. 

I tried to get information via their Chat support but was told that that department can not provide any help with myEquifax accounts.
Product: Credit card

XXXX XXXX  LETTER TO DEBT COLLECTOR XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Block Request Dear Sir or Madam, I am writing to inform you that I am a victim of XXXX XXXX Due to my involvement in this situation, certain information appearing on my credit report is directly related to actions taken by the XXXX. This letter serves as a formal request to block and remove this information in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). 

Below is a list of accounts and inquiries that are the result of this XXXX and should be blocked immediately. 

Accounts to be Blocked : 1. CAPITAL ONE Request for Immediate Action : Pursuant to Section 605C of the FCRA, please block and remove this information from my credit reports within four business days. Additionally, I request written confirmation of all actions taken in response to this request. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Enclosures : Proof of identity XXXX  documentation ( from a federal, state, local, or tribal governmental entity )
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX XXXX I have recently checked my credit reports and found that Capital One is reporting an account ( XXXX ) to all 3 Credit Reporting Agencies ( XXXX, XXXX XXXX XXXX ) in my name. 
This is not an acknowledgement of debt. 
According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. After reviewing my credit reports, I am finding many incorrect items being reported, including but not limited to the following discrepancies : 1. The date opened reported by the CRAs are incorrect. They are also reporting different dates to different credit reporting agencies.

2. The payment history is incomplete, inaccurate, and reporting different information to each of the three reporting agencies.

3. The Dates of last payment are inaccurate as they are reporting different dates to different credit reporting agencies.

As these and other things are being reported incorrectly on the report, I request that you immediately cease reporting of these accounts until the completion of a thorough and complete investigation and validation of this information.

If you are unable to furnish all correct dates and information, I respectfully request that you cease reporting and Delete these two accounts from my credit reports with all 3 credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Thank you for your time, XXXX XXXX XXXX
Product: Debt collection

We moved into this area in XX/XX/XXXX. XXXX issued anew phone number, XXXX. During the first six months we received calls from various debt collectors attempting to contact the phone numbers previous owner. After numerous explanations the calls stopped. The callers were apologetic stating that the only contact number they had for the woman, ( i can not even attempt to spell her name ), In the summer of XX/XX/XXXX we started receiving calls from Portfolio Recovery Associates, located at XXXX XXXX XXXX. XXXX XXXX XXXX. Their contact number is XXXX. After calls from several different area codes and numbers, I contacted their corporate office and the calls topped. They stated they would remove our phone number from their list. On XX/XX/XXXXXX/XX/XXXX, we again stared receiving calls from this company. They ask for the same name. I contacted their corporate offices again on that date and the woman stated our number would be removed. On XX/XX/XXXX we received a call from XXXX, one of their offices. This is a company that buys expired debt which has been written off the books of companies. My research indicates that they purchase this debt for pennies on the dollar, and attempt to make a recovery. I am retired from Federal Service and neither my wife or myself have a any debts. I do not understand while they continue to annoy people. Any help you provide is appreciated. Thank you XXXX XXXX
Product: Debt collection

I received a bill in XX/XX/XXXX offering to settle my debt with Galaxy International Purchasing. The debt was supposedly incurred in XX/XX/XXXX. Because this was so long ago, I called the company and requested more information. 

The person I called swore at me and accused me of trying to run from my debt. I refused to give her my social security number to " confirm '' this debt, and she swore at me again. I told her to send any proof to my mailing address ; otherwise, I would assume this was a scam. 

A few weeks later, I was being sued by this company. I had not received any proof of a debt. 

It has taken multiple rebuttals and submissions to the court and I only received information about the debt when I told the court I had not been given proof. At that point, I saw it was impossible for me to have incurred this debt. The addresses listed were not mine. It was easy enough to prove I did not live at those addresses. However, this company continues to sue me for this debt without proving through a signature or other information that I owe this money. 

I have spent nearly the amount of the original debt to take time off to go to file papers at the court or pay filing fees. The company has not responded regarding the person I talked to on the phone or the fact this debt is not mine. I know this is a company that buys old debt. They will not consider they have incorrect information. If I owed a debt, why wasn't I notified in six years? 

Today, I am filing a counterclaim, yet again. This company is absolutely irresponsible.
Product: Credit reporting or other personal consumer reports

after reviewing my credit report I noticed fraudulent accounts on my report.
Product: Debt collection

In XXXX, I stopped service with XXXX XXXX, moved my wifes phone and mine over. I conducted this transaction in XXXX  ( XXXX XXXX XXXX, XXXX, XXXX  ). Later in XXXX, we moved to XXXX, XXXX Then in XX/XX/XXXX, we moved to XXXX . Coincidentally, my family in XXXX  also has XXXX. 

In the early months of XXXX, I was receiving text messages and emails that the accounts are paid. I logged into XXXX and did not see a bill associated with my address. Therefore, I thought these were associated with my family in XXXX. 

In XX/XX/XXXX, I contacted XXXX. They said I owed them for 2 months of a cellular bill. 
We both determined that my phone accounts were no longer active, had been switched in XXXX. They apologized and indicated they owed me. They mentioned perhaps when the phones were changed, the host store failed to de-activate the sim attached to the phone. I said, that made sense no worries. 

In XX/XX/XXXX, I got a call from XXXX stating I owed money. I said 1st I cant even see the bill. Second, last time I spoke to someone we noted perhaps there is an errand sim card that was not properly deactivated. They also recognized this was the case and said I would receive 3 checks in separate payments. I said fine. 

In XX/XX/XXXX, I got a call from XXXX stating I owed money. I said absolutely not and stop harassing me. You guys owe me money. 

In XX/XX/XXXX, I started seeing text from Credence XXXX XXXX. 

In XX/XX/XXXX, I gave up tried to log into the XXXX XXXX portal to pay the bill. The portal didnt work. 

In XXXX, I tried again. Didnt work. 

In XX/XX/XXXX, I applied for home loan. My credit score went from XXXX to XXXX!! I called the XXXX XXXX folks. They said sorry you were in an off-shore collection status. Since you live in XXXX  we have to on-shore you. 

I paid the bill. XXXX lied to me or failed to comply with what was agreed to in XXXX. I never had actual access to a billing statement they just sent me demands via text message.
Product: Credit card or prepaid card

On XXXX I paid my Apple Card in full {$130.00}. Unfortunately I was in an auto accident That weekend and the rental car company kept my XXXX deposit. I knew the apple payment had not cleared so I called and asked them to not take the payment until XXXX  XX/XX/2022. They agreed. However now my balance is doubled. They said its my banks fault but its not. Back in XXXX I put a hold on the card at my bank due to not realizing what the charge was. It said Goldman Sachs. I didnt realize until this happened that thats why my card wasnt being paid and I took the block off
Product: Debt collection

Midland credit management has sued me and won judgement of more than the debt was. Debt was {$560.00} and they sued me for {$990.00}. Reported to credit bureaus over $ XXXX.While being garnished without knowing, they were reporting to credit bureau 's every couple of weeks a balance increase of a few dollars. I had no knowledge of a court date or that they have gotten the judgement. I have requested all information pertaining to this matter. I haven't received anything yet
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Account # XXXX, and XXXX XXXX XXXXXXXX  # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I am starting to see that someone is applying for credit in my name I just brought a house on XX/XX/XXXX and I haven't applied for anything. Also I am seeing at lease to debt collections that have been paid and was placed on my report. 
XXXX XXXX XXXX XX/XX/2020 XXXX   XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX   XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX/XXXX  XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX   XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims thoroughly. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPB 's findings reveal that Zelle has not only neglected its duty to protect consumers but has also enabled repeat offenders to exploit the system, leaving users vulnerable to scams. 

This lack of accountability and transparency is deeply troubling and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LIST OF ACCOUNT HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 SECTION 602 A.STATE I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

15.U.S.C .1681C. ( A ) ( 5 ) SECTION STATE : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEM OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION 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 CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

REMOVE/DELETE OFF OF MY CREDIT REPORT.
Product: Credit reporting

I have several accounts and inquiries that are not mine on this credit report that need to be removed or blocked i have listed most of them on my credit report and i have a notarized id theft affidavit with the information on them as well along with addresses and name aliases that were never mine
Product: Debt collection

This is in response to an unfamiliar listing on my credit report. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to the credit bureaus and this action constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a lawyer to file suit This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXXate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX says they issued a credit card in my name and it was used fraudulently per their statement. They closed the account because of this but did not investigate or correct any purchases done fraudulent. They are putting this on my credit report and refuse to correct the issue.
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 XXXX XXXX Subject : Dispute of Incorrect Information Mixed Accounts Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute certain accounts that have been erroneously reported on my credit report. After reviewing my credit profile, it has come to my attention that some of the accounts listed do not belong to me and appear to be the result of mixed information with another individuals credit file. These incorrect accounts are negatively impacting my credit profile and causing significant issues with my current lenders.

Below are the details of the accounts that appear to be mixed up : 1. Account Name : XXXX XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. 
2. Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. 
3. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. 
4. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. 
I respectfully request that you investigate this matter and correct my credit file by removing these incorrect accounts. Please confirm that this dispute will be addressed and that the necessary steps will be taken to ensure my credit report reflects only accurate and relevant information. I would appreciate a prompt resolution, as this issue is currently affecting my ability to maintain positive relationships with my lenders. 
Please find attached a copy of my credit report highlighting the disputed accounts. If you require any additional information or documentation from me to facilitate your investigation, kindly let me know. 
Thank you for your attention to this matter. I look forward to your prompt response and the necessary updates to my credit report. 

Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, XXXX XXXX XXXX