23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This is my 4th attempt to try to resolve this issue with this company. I have reached out to my Bankruptcy attorney and was told to make one last attempt before further action is taken. I was informed that even though World Finance sent my debt with them to collection It should still be considered as Included in Bankruptcy! XXXX XXXX has never contacted me or made me aware of any debt regarding World Finance and World Finance is reporting incorrectly.In most federal circuits, even debts that werent listed in your bankruptcy schedules are discharged, My case was a no-asset Chapter XXXX case. In the XXXX XXXX, the case that stands for that proposition is XXXX. I continue to check my credit for updates and it states " Charged Off Account '' which is once again INCORRECT.
Product: Checking or savings account

Wanted to open new account ( CD at 5 % ) Filled out all the paper work which included my SS # DOB etc and then they stated I was not approved. 
Both my husband and myself have credit scores of over XXXX. We do not have revolving credit because we pay our bills off every month. 
It seems to me these people never intended to give us the 5 % they advertised the rate but did not follow through. I was not aware that I have to qualify to take out a CD, this is a first to me. I am upset because they have all my personal info. including social and I do not know what they will do with this information I would like to hear from these people as to their policy of my information and why I can not have the CD
Product: Checking or savings account

I was recently denied a fraudulent charges claim on my account.. and there has yet to be a response or resolution I was told by a representative to provide proof of being in XXXX Illinois in which I reside, there were numerous purchases made in another state that I did not approve of or had any knowledge of when they occurred .I would like this to be reopen and resolved immediately Attached are my timesheets for the weeks XX/XX/17 XXXX XXXX I am currently employed at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please Feel Free to call and verify this information XXXX
Product: Debt collection

I sent a dispute to the National Credit Adjusters. They sent verification information that did not have the {$800.00} that they claimed that I owed. I sent another letter showcasing the inaccurate amount and they sent the same information. I am aware that the FDCPA states that a debt collector can not collect any amount that is not expressly authorized by an agreement. It is a violation to the act. I am also aware that a furnisher must change inaccuracies or remove the account from a consumers report pursuant 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( i ). The failure to do is a violation to the act and the furnisher is subject to any damages suffered by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just checked my credit report on XXXX XXXX and seen an account in collections for a payday loan which I did not take out. 

XX/XX/18 Mw Rec Sys {$310.00} Read up on the collection agency and it turns out they're known for payday scams. Also, my bank recently cancelled and reissued my bank card saying my information may have been compromised.
Product: Debt collection

Resurgent Capital Services contacted me about a debt owned by LVNV. This supposed debt is over 18 years old and supposedly originated with XXXX XXXX XXXX which went out of business in 2006. The bank was taken over by XXXX XXXX XXXX and subsequently by XXXX XXXX. I have never done business with XXXX XXXX XXXX. 
I requested validation of the debt and I simply received an 'invoice '' no legal information was provided to prove that I originated the account. The type of account was not evern provided. 
I then disputed the debt. I received the same " invoice '' again with no legal proof I was ever owner of this debt. 
I sent a letter to cease and disist contacting me and also provided in writing a refusal to pay. 
Resurgent once again responded with the same " invoice '' which is absolutely meaningless. 
Resurgent needs to stop contacting me in any way. If this continues it will be viewed as harrassment and an attorney will be retained to file suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to ENHANCED RECOVERY CO L for taking no action to correct and remove the fraudulent account that are still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action I been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not
Product: Credit reporting

my parents mismanaged and froged signatures along with opening up and sending me my mail causing it to go down. XXXX fired 3 days notice and stopped of XXXX poayments 3 days niotice XXXX 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I sent a Letter regarding an unsolicited bankruptcy on my account that was furnished without my consent on the XXXX of XXXX. I have proof that you all received it on the XXXX of XXXX. It's been over a month that Lexis Nexis has not responded to my letter and when I call they say they have not received it.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

problem with fraud alert and freeeZes remove it XXXX experian, XXXX and XXXX  ftc violations committed For the first four years, you get free monitoring of your credit reports at all three major credit bureaus XXXX Experian and XXXX XXXX.. These services will be provided by Experian. For an additional six years, you can opt for free monitoring, but it only covers your XXXX  credit report. 

tu Appeals Court Upholds FTC Order ; XXXX XXXX Must Stop Illegal Sales of Consumer Reports to Target Marketers exp FTC consumer alert a " must read '' - XXXX XXXX For example, a lender that has suffered a security breach may offer you a complimentary Experian credit monitoring service
Product: Credit card

Bank of America is declining legitimate charges because of fraud. I have tried to get them to stop claiming everything is fraud when it is not, but they refuse to assist me. I called it today and they wo n't help me ( after getting routed around repeatedly ). I have no problem with being protected against fraud, but this is not protection. Legitimate charges are being declined and it creates a significant headache and a lot of effort for me to fix, not to mention a lot of wasted time.
Product: Debt collection

My medical insurance paid for the XXXX  hospital visit and care The hospital violated the law by selling my personal information and disclosing my social security numbers without my permission or acknowledgment
Product: Vehicle loan or lease

Hi, XX/XX/XXXX The bellow XXXX XXXX XXXX XXXX XXXX XXXX XXXX was bought as lease buyout, in cash, account paid in full, {$26000.00}, from the lease holder US Bank account XXXX, at the end of the lease, on XX/XX/XXXX. 

XXXX. A month later, I have not received the title from US bank, and did not receive any other written communication XXXX. After XXXX hours of combined US bank customer service phone calls, passed around to approx. XXXX different agents, it seems that US bank has erroneously sent the title to an auction, and the title is nowhere to be found. As one agent said it can take years until I will get my title. 
XXXX. Personal privacy violation with a potential identity theft : my SSN and address were sent by US bank to a 3rd party ( the auction house ) as part of their lease release package 4. The car value is depreciating, and I must sell it as our family is growing and I need an XXXX seater car. 
XXXX. I am writing you to help me get my title from US bank Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank ( lease closed ) account XXXX US Bank Lease Maturity phone number is XXXX The car was paid in full {$26000.00} on XX/XX/XXXX Thanks, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX : ( XXXX ) XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction ( s ) that i have made. it is the result of identity theft. i have contacted credit bureaus XXXX, XXXX, AND TRANSUNION regarding this matter. with all three reporting agencies stated that the accounts are being verified by creditors as accuarate. I have also reached out to the creditors XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX and XXXX XXXX XXXX  ACCT # XXXX to whom also replied saying accounts are correct and I am responsible. These accounts were opened by someone other than me for extreme financial gain and they are affecting only me while trying to accomplish life goals.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it might concern. My only and correct name as it appears on my social security card and ID is XXXX XXXX XXXX XXXX. 
My only and correct social security number is XXXX. 
My only correct address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX. 
My only Phone number is XXXX Please delete any name that is not matching my proof of identity. Please delete any addresses that you are reporting which are not on my proof of address attached. 
Attached to this letter you will find a copy of my identification, proof of address and proof of social security number. 
Once my request has been processed, please mail me a copy of my updated credit report reflecting these changes. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Laws Dear ALLY FINCL, I am writing to address a concerning violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the laws of XXXX XXXX 

It has come to my attention that ALLY FINCL has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Furthermore, the laws of XXXXXXXX XXXX emphasize the importance of protecting consumers from unauthorized access and misuse of personal information. 

I assert with certainty that I have not provided consent for ALLY FINCL to report any information to my credit report. This undeniable lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and disregarding federal and state laws. 

I demand that ALLY FINCL immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the laws of XXXX, XXXX Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXXXXXX XXXX laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ALLY FINCL will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute to Equifax requesting the immediate blocking and removal of fraudulent accounts from my credit report under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). My submission included : A valid FTC Identity Theft Report ( Report # XXXX, dated XX/XX/year> ). 
A notarized affidavit of dispute ( dated XX/XX/year> ). 
Government-issued identification ( passport and Social Security card ) to verify my identity. 
A list of fraudulent accounts that must be removed, as required under FCRA 605B. 
On XX/XX/year>, Equifax received my dispute via certified mail ( confirmed by XXXX tracking ). However, on XX/XX/year>, Equifax responded stating they would not block the fraudulent accounts as required by FCRA 605B. Instead, they : Forwarded my dispute to creditors instead of blocking the fraudulent accounts as required by law. 
Cited FCRA Section 605B ( c ) as a reason for non-compliance, which does not apply because I submitted all legally required documentation. 
Requested additional proof of identity despite already receiving my passport and Social Security card, which are valid forms of identification. 
In response, on XX/XX/year>, I sent a second notice demanding compliance with FCRA 605B and warning Equifax of their legal obligation to remove fraudulent accounts within XXXX business days. This second letter reiterated : That Equifax already had sufficient documentation to comply with FCRA 605B. 
That their refusal to block fraudulent accounts violates federal law. 
That further delays would result in legal action. 
Under FCRA 605B, Equifax was legally required to block fraudulent information from my credit report within XXXX business days of receiving my dispute. Instead, they have : Refused to block fraudulent accounts despite receiving a valid FTC Identity Theft Report. 
Forwarded my dispute to creditors instead of complying with the law. 
Delayed the process by requesting additional documents that were already provided. 
Failed to act within the legal timeframe outlined in FCRA 605B.
Product: Debt collection

Subject : Request for Assistance Regarding a Debt Collectors Failure to Validate a Debt and Related Issues Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an issue with a debt collection agency that has failed to comply with federal regulations under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

The agency in question, True Accord, has been contacting me regarding an alleged debt that I do not recognize. I promptly requested that they validate the debt by providing documentation that substantiates their claim. Despite my request, they have failed to validate the debt and continue to harass me through emails and other forms of communication.

Additionally, I discovered that the agency has reported this unverified debt to credit reporting agencies without my authorization or consent. This action has negatively impacted my credit profile, causing undue stress and harm to my financial well-being.

To summarize, the debt collector has engaged in the following actions : 1. Failure to Validate the Debt : Despite my written request, the agency has not provided any evidence or documentation to validate the debt as required under 15 U.S.C. 1692g ( b ).

2. Continued Communication and Harassment : The agency continues to email me and engage in collection activities in violation of the FDCPA.

3. Unauthorized Reporting to Credit Bureaus : The agency reported the alleged debt to credit reporting agencies without substantiating the claim, in potential violation of the FCRA.

I kindly request the CFPB 's intervention to address these violations. I would appreciate it if you could investigate the matter, ensure the agency ceases all collection activities until the debt is properly validated, and work to have the unsubstantiated debt removed from my credit report.

I have attached copies of all relevant documentation, including my written validation request and any communication from the debt collector, to support my complaint.

Thank you for your attention to this matter. Please let me know if additional information is needed. I look forward to your assistance in resolving this issue.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform, despite using Zelle numerous time also reporting times when I wasnt able to use Zelle due the issues, also reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately, they informed me that recovering lost funds was impossible and that tracking the transactions were unfeasible, the CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams, this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reach out to Transunion on several occasions, I'm not sure what's going on but I would like this issue cleared up asap. Transunion is reporting my old XXXX XXXX XXXX loan account 30 past due. This account had not been past due or 30 days also the pay status shows ACCOUNT 30 DAYS DUE This XXXX account # XXXX opened XX/XX/XXXX was paid off in XX/XX/XXXX the pay status should be Current or Paid not 30 days past due ( PLEASE UPDATE IMMEDIATELY ) ..Also, Transunion is reporting XXXX XXXX Acct # XXXX pay status account 120 days past due this account was paid off in XXXX the pay status should be Current or Paid not 120 day past due ( PLEASE UPDATE IMMEDIATELY )
Product: Debt collection

They keep threatening with arrest and with police action and w/court action.
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federally protected consumer, per XXXX XXXX XXXX i am now OPTING OUT of ANY AND ALL Authorization i gave or may have given XXXX XXXX verbal, nonverbal, written and non written, the consumer may have given inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I 'v sent notice XXXX PRIVACY ACT OF 1974 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 different accounts reporting to my credit reports. XXXX XXXX for {$12000.00}, and XXXX XXXX for {$16000.00}. XXXX XXXX for {$57000.00}. And XXXX XXXX acceptance for {$12000.00}. These are not my accounts. They were opened Fraudulently.
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

DYNAMIC RECOVERY SOLUTIONS is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES.

DYNAMIC RECOVERY SOLUTIONS have used abusive, deceptive, and unfair debt collection practices.

DYNAMIC RECOVERY SOLUTIONS have violated my consumer right to privacy, I NEVER gave them any my information directly and DYNAMIC RECOVERY SOLUTIONS has committed the crime of IDENTITY THEFT. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I am holding the DYNAMIC RECOVERY SOLUTIONS civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.
Product: Debt collection

I have constantly told them Im a vicciim of identity fraud and that all the inquiries on my report are not mine I have a journal of contact with them rather have inquiries with wrong phone numbers they also have double and triple of the same inquiries they also keep switching me to their so called fraud department that when they switched me to it sounds like a different country when they answer and theres a fraud part department but they do nothing to help me for like the past year and a half and they refused to take these inquiries they said all they come off in two years but I deserve a fair credit report because I have kids and I cant get anything I cant get a loan and nothing because of all these inquiries and I told him I had a police report and sent it to them as well as I sent them my ID and my Social Security card front and back
Product: Debt collection

Good evening, I am contacting you all to dispute the Avant Account, now handled by XXXX XXXX XXXX Ref # XXXX. I do not own this account. According to XXXX, the account was open in XX/XX/XXXX and the last payment was made on XX/XX/XXXX. I am not the owner of this account and should not owe {$5700.00} to Avant XXXX XXXX or XXXX XXXX. Supposedly, I received a court date and was sued by a previous company Avant sold the account. I currently have a fraud alert on my credit report. My police report number is Deceptive Practice Financial Identity Theft over {$300.00} # XXXX. If you all have any further questions contact me at XXXX. I attached the form I received yesterday XX/XX/XXXX.  Thank you. 

Best Regards, XXXX XXXX  XXXX