23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX   XXXX ,  XXXX  Consumer Financial Protection Bureau   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  IA  XXXX  To Whom  It May Concern : Over the last 2-3 ye ars I have had numerous collections accounts appear in my name and social security number on all  XXXX  credit reports fro m 2 differ ent collection agencies,   XXXX   XXXX    ( Original Creditor   XXXX   XXXX ,  XXXX  OK ) and I believe another collection is about to be reported to  XXXX ,   XXXX   and  XXXX  by  Progressive Financial Services ou t of  XXXX  AZ, also representing  XXXX   XXXX  in   XXXX   XXXX   XXXX  OK for I assume, cable services and equipment.     I 've never lived in, been to or know anyone in Oklahoma. The same thing has happened to my son and husband. I literally just had an account with   XXXX   XXXX   (  XXXX   XXXX   XXXX  OK ) deleted from all  XXXX  of my credit files within the last month.     For example, my son just checked his credit monitoring service earlier today and   XXXX   is showing a new collections account  with Progressive Financial Services, orig inal creditor,  XXXX   XXXX  out of   XXXX   XXXX   XXXX  OK. I assume that eventually all  XXXX  credit bureaus will have new collections reported to all  XXXX  bureaus on my credit, my sons credit and my husbands credit. The reason I 'm filing my complaint through CFPB is because I am emotionally exhausted from having to deal with the collection agencies,  XXXX   XXXX  and all  XXXX  bureaus, on an individual basis.     I have spent hours getting all the other collections removed which are a result of identity theft. I 've already warned the original creditor (  XXXX   XXXX   XXXX  OK ) to remove any current or past due accounts in my name and social security number from their systems or I will take legal action. Altogether, since  XXXX , there has bee n 8 collection  accounts reported to all  XXXX  credit bureaus under my name and social security number and all of them have been accounts with the original creditor being  XXXX   XXXX    XXXX   XXXX   XXXX  OK. I live in Florida and have since  XXXX  except for 13 months from  XXXX   XXXX  through  XXXX   XXXX   XXXX  when our family moved to   XXXX   XXXX   to care for my terminally ill father. We moved back to   XXXX   in  XXXX   XXXX   XXXX  and have lived here in  XXXX  since.     Please do something to st op Progressive Financial Services f rom reporting any additional collection accounts to any of the  XXXX  credit bureaus. If  PFS has al ready reported accounts to my credit, they need to remove them as soon as possible. My credit monitoring service doesnt update my credit information until the end of the week so, more tha n likely Progressive Financial Services has already reported new collection accounts on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E  FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX CO L Account Number : XXXX Delete this account. 

11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

12. The inquiry was not authorized XXXX XXXX XXXX LL Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

I am in Mississippi. I had a Credit card with XXXX XXXX and it got closed because I could not pay and had gotten the balance over the {$300.00} credit limit to {$700.00}. They ended up turning the account over to Portfolio Recovery and a different person from Portfolio recovery calls and usually they won't listen when you tell them you can't talk, they will call multiple times a week and even on Sunday which in Mississippi is against the DNC laws. Also, they have wanted to take my SSI check and said they have taken SSI checks in the past to cover debts which is illegal for these types of debts, and have checked with my law firm on this. It is always a different number and they do not care if they break the law as long as they collect. Some of the agents are threatening and rude while others are polite. I have even told them to stop calling. They even call after XXXX.
Product: Vehicle loan or lease

The bank took triple payments when only one payment was due. I was advised in XX/XX/XXXX that the account was current and up today. I was told on XX/XX/XXXX that the account was current when I made the payment. Then when I spoke with the rude manager she advised that they took both XXXX and XXXX even though XXXX has not yet billed then she came back and told me I was past due. Even though I have been told every month that I call in Im current and not pass due. Im being told misleading information and they pull money from bank unauthorized and will not refund the full amount even though I am not doing anything wrong. I want the full amount of XXXX refunded and my account code as current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian I am writing to formally request that you remove all inquiries made on my credit report related to my account with your company. As per the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to request that all inquiries be removed if they were made without a permissible purpose or if they were not authorized by me. 

Upon reviewing my credit report, I noticed that your company has made inquiries, which have negatively affected my credit score and creditworthiness. These inquiries were made without my consent and without a permissible purpose as outlined by the FCRA. Furthermore, they are not in compliance with the Metro 2 credit reporting guidelines. 

As such, I demand that all inquiries made by your company be removed from my credit report immediately. Failure to comply with this request within 30 days will result in legal action being taken against your company for violating the FCRA and other applicable laws. 

Please confirm in writing that all inquiries have been removed from my credit report and provide me with a copy of my updated credit report. I look forward to receiving your prompt response and resolution to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my credit file. The items Im disputing are : 1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/2014 XXXX ) XXXX XXXX. These delinquent account records are inaccurate because I did not miss payments. I am requesting that the accounts be corrected to show that it has always been current, with no record of being delinquent. Please investigate this matter and correct the disputed items as soon as possible. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX XXXX Balance : {$340.00} & XXXX XXXX XXXX Balance : {$340.00}
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2022 Please ensure that all information is accurate. If not proven delete this immediately. 
2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting

Someone else name and credit is showing up on my credit. My name is XXXX The other party name XXXX. There is an account XXXX showing up that is not mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under section 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX.
Product: Vehicle loan or lease

When I least the vehicle I was not told I did not have to buy the ( GAP ) for XXXX dollars just want a refund the seller information- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Zip code XXXX phone number XXXX my account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX from the Office of the Chairman ever so kindly provided all of the information that shows the bank 's guilt to comply with the /fair /Credit Reporting Act ( FCRA ) which ( as XXXX XXXX so graciously supplied me ), " ... requires the bank furnish information which is considered true and accurate. '' As is reflected on bank statements for the only bank I ever received statement for ending in XXXX, the money for HELOC is taken out every month plus my several transfers in excess of hundreds of dollars but the bank not only closed my account ILLEGALLY bur on XX/XX/XXXX, I got another letter that my HELOC ( I did not know even the number due to no compliance with the laws governing banks ) that now citizens bank closed my HELOC which I infer is to spitefully and maliciously attempt to steal my house that I was never even a day late since I bought XXXX on XX/XX/XXXX except in XX/XX/XXXX when I withdrew all of my money from said bank due to some type of identity theft or an inside thief but spitefully did not protect my money when I learned that all the bank had to do was CONTACT ME to change account numbers. The reporting of late payments has caused my car insurance to be high and hundreds of dollars ( for over a year ) in outrageous interest rates all due to lies! I could be spiteful like whoever is maliciously going against every commonwealth law and jurisdiction overseeing banks when they shut down mu account and stole the money I left in the checking to keep it open for my deposit which I got despite the illegal closure of same.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXXXXXX XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. 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: Credit reporting or other personal consumer reports

This is a complaint against Experian. I am a victim of identity theft and I have sent all the documentation that supports my claim, FTC Report, Police Report and this bureau blocked the account for only a few days and not forever. This account was opened without my consent and according to federal laws. Identity theft when disputed with an FTC Report or a police report this account must be deleted immediately, however XXXX does not do so under the Fair Credit Act.
Product: Bank account or service

I bank through US Bank in XXXX Iowa, Address : XXXX XXXX XXXX, XXXX, IA XXXX. I have opted out from receiving over draft fees. However I am still being charged for them by manipulation of wording. I have attached a screenshot of my bank account balance. This fee is from US Bank because the ATM could n't retrieve money due to NSF. The fees are listed as the following:XX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Debit Purchase -visa Dd/br XXXX XXXX Ia {$9.00} - $ XXXXXX/XX/2015Overdraft Paid Fee Waived {$36.00} $ XXXXXX/XX/2015Overdraft Paid Fee {$36.00} - {$27.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$2200.00} XXXX XXXX XXXX Account number : XXXX Balance : {$4700.00} XXXX XXXX XXXX Account number : XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

FCRA 605B requires the deletion of incorrect accounts from my credit report. Please examine the documents, as some of the accounts listed have reporting mistakes, inaccurate amounts, and incorrect dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : XXXX Please Note : CFPB Complaint XXXX I did not request an investigation nor dispute. I asked you who updated and verified this account, specifically " Who the XXXX, is making these inaccurate changes? ". 

Do not start another dispute, this would be the fifth dispute and would be the fifth time you failed and lied about verifying the accuracy of this account. 

Either provide a method of verification as requested now for the 3rd time or remove this account. XXXX XXXX does not count as verification. 

I'm done playing this game, either you or XXXX XXXX has been falsifying information on my credit report which i take seriously and which has been a detriment to me. If the CFPB or FTC refuses to do anything i will seek restitution and resolution under FCRA through the courts. This account needs to be removed immediately. Ive documented every form and occurrence of communication with you. Once i start litigation there will be no settling outside of court or dropping. If i start this process it will go full course and what i am asking to do now, which is remove this account, you will have to remove and pay me for not removing it sooner. No games, no threats, just tired of this bs. Remove this account now!!! 

As well i will file a complaint with the FTC, State attorney generals office, XXXX   until time comes for me to see you in court. You have until XX/XX/2019 to remove this account from my reports.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To whom it may concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX $ 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: Credit card

I have been getting charges by synchrony banks payment security program ( XXXX ) XXXX since 2018. I did not know I was signed up for this program. They had advised it was part of their deal when I signed up in 2018 and it has to be a verbal or electronic agreement on when I signed up. I asked for proof and I want my money back! I have no need for this progrM
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the handling of fraudulent items on my account with Credit Bureaus. Despite reporting these unauthorized transactions promptly, I am dismayed by the prolonged delay in their removal, causing undue stress and inconvenience. 

I discovered fraudulent transactions on my account statement, which were not authorized by me. Immediately upon discovery, I notified your company 's customer service department and filed a report detailing these fraudulent activities. However, I am disappointed by the lack of urgency and efficiency in resolving this matter. 

As a loyal customer, I expect timely action to rectify such issues and protect my financial interests. The continued presence of these fraudulent items not only undermines my trust in your company but also poses a significant risk to my financial security. 

I urge you to prioritize the immediate removal of these fraudulent transactions from my account and take proactive measures to prevent similar occurrences in the future. Additionally, I request transparent communication throughout the resolution process to ensure clarity and accountability. 

Failure to address this matter promptly will compel me to explore alternative avenues to protect my rights as a consumer, including but not limited to seeking assistance from regulatory authorities and legal counsel. I am asking for your assisstance to remove or these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022, I, XXXX : XXXX, Beneficiary, sent correspondence to SYNCB/PPC " Paypal '' at XXXX XXXX XXXX XXXX, FL. XXXX regarding a major violation on their behalf against my consumer protected rights. After they received my correspondence, they are fraudulently and maliciously causing me harm by reporting my consumer experience by means of credit utilization which is in fact ILLEGAL. According to 15 USC 1681 ( a ) ( 1 ) my consumer experience is NOT included in " consumer report ''. I attempted to address this matter directly with said company and they are continuing to report on the utilization of the account. Please address this matter with them immediately. I am currently gather my documents for my next step which is to take aggressive legal action.