23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The supposed company Diaz and Associates sent me a letter dated XX/XX/XXXX stating that I owe a debt of {$1000.00} but are willing to settle for {$190.00} If I paid by XX/XX/XXXX. They offered for me to pay by XXXX XXXX   to get it there quick enough. The letter states the original creditor as XXXX XXXX. bank. I contacted that bank and they have no records of me having an account there. I called the debt collection company phone number on the letter and got a very unprofessional person on the other line asking for my social security number. I told the representative that I had no knowledge of XXXX bank or an account I have ever had with them. The guy confirmed my name and email address and told me that XXXX is going to take action against me in court. He stated the debt from XXXX but Kansas law states the statue of limitations would not allow the debt to be sued on. I told the guy I had no knowledge of the debt again and would be sending a dispute letter. and he said I will be sued an hung up on me. The letter I received gave me no offer or knowledge to dispute the debt within 30 days of I believe it to be a mistake which is required by law. Nor was that mentioned on the phone. This seems to be a fraudulent situation. This debt has never been reflected on my credit report. This seems to be scammers.
Product: Credit card or prepaid card

last year an online gambling company fleeced around XXXX from me. 

this happened between XXXX and XX/XX/2022. 

and it was in XXXX that I learned online gambling is ILLEGAL in California. 

so I asked the online gambling site to return what they fleeced. 

at first they agreed and send me a software to snip out the paid amounts from my bank statements which totaled around XXXX such transactions. 

but then they reneged!! 

so I reported this to chase and they began to credit back the charges, but then they stopped after charging back a few of them!! 

so I brought this to the attention of their exec office who told me that I should provide them with a law enforcement report. 

and so I did. 

but then they contradicted themselves and said that it has no bearing!! 

and this is why I'm contacting you. 

to see to it that chase is held responsible for their actions. 

that they're held responsible for financing a gambling site which is ILLEGAL in California. 

as such I want to see the money fleeced from me by the gambling site which was financed and accommodated by chase returned to me. 

and if you can punish them I'm for that as well. 

thank you for your support
Product: Debt collection

A certified letter was mailed to XXXX XXXX XXXX, XXXX. in XX/XX/XXXX requesting debt validation for an account they allege I owe. I am disputing this account, in addition, their office neglected to provide any information reflecting the ownership of this alleged account while sending information with a different alleged account number than what they are claiming I owe. 

The document I received from XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX consisted of 19 pages,14 of those pages was a copy of a Revised Card Agreement. Please note, this Revised Card Agreement is generic with no dates to show when the agreement was revised, any affiliation I have to this Revised Card Agreement. In addition, this office neglected to provide validation pertaining to me agreeing to the Revised Card Agreement. There were three ( 3 ) pages of a XXXX XXXX XXXX  Credit Card Statement. The first statement shows a different account number this office alleges I owe. How is the alleged debt validated when the information this office provided isn't what they are reporting on my credit report? XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. 's claim to have validated a debt with different account information than what they are reporting. 

Page 3 -Statement 1 - XX/XX/XXXX - XX/XX/XXXX - different account number Page 4 - Statement 2 - XX/XX/XXXX - XX/XX/XXXX Page 5 - Statement 3 - XX/XX/XXXX - XX/XX/XXXX To simplify, the documents received do not match what this office is reporting, despite them reporting to CFPB they validated the alleged debt, which is false. This office sent 3 different statements for two ( 2 ) different alleged credit card accounts. 

XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX. has claimed this alleged debt belongs to me without validation. The items requested by me are as follows : copies of an agreement that grants XXXX XXXX XXXX, XXXX. and LVNV Funding LLC to collect this alleged debt // a signed agreement with my wet signature made with LVNV Funding LLC or XXXX XXXX XXXX XXXX  XXXX XXXX or other verifiable proof I have a contractual obligation to pay this alleged debt. I also requested copies of all statements while this alleged debt was open, the exact date alleged debt was open, the exact date alleged debt first became delinquent and copies of all payment history/payment methods for this alleged debt. All of which their office failed to provide. 

Attached is the 19-page document I received from XXXX & XXXX XXXX XXXX. 's office. 

I have the right to have accurate, true and correct information reported to my credit profile and to consumer reporting agencies. As it stands they have not provided anything that shows any type of contractual agreement of this alleged debt.
Product: Debt collection

This alleged debt relates to a property that I solely own in my individual capacity. 

On XX/XX/, prior to any attempts being made to contact me about the debt, my husband, who holds no legal responsibility for any alleged debt, was contacted by XXXX XXXX of Nexum Group , IncXXXX My husband forwarded XXXX XXXX to me and during our conversation I informed XXXX XXXX that I am a resident of the state of XXXX  and am on PST as opposed to the time zone of his employer ( they are licensed in XXXX XXXX 

On XXXX XXXX XXXX  contacted me multiple times starting at approximately XXXX XXXX XXXX I re-informed XXXX XXXX both via text message and verbally during a phone call later that day that I am a resident of the state of XXXX  and that I am on XXXX and not to call me at or around XXXX XXXX XXXX XXXX XXXX that he understood and wouldn't continue with his actions going forward. 

Today, XXXX, I received two phone calls from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

XXXX XXXX and his company, Nexum Group , Inc., despite repeated warnings, have continued to call at unconscionable hours, completely disrupting my home and children. 

Furthermore, I have been unable to find any license information for this company in the state of XXXX, the state where I reside.
Product: Checking or savings account

I deposited a check for {$17000.00} into my checking account.The bank cleared the funds. It turned out to be a fraudulent check and they took the funds back. It was a scam that costed me {$3000.00} since I cant reclaim those funds. I would have never drawn out money if the bank did not clear the check. I cant understand why they would not hold the check longer due to the amount. I spoke to a supervisor at the bank and they said its their policy and that I should contact the person who issued the check. I cant contact the issuer because I can not track them down. The bank should be responsible negligence in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never done buisness with companies such as XXXX Equifax, XXXX, ECT. Not have I ever given them my social security number, yet they all hold records in their vulnerable insecure systems linking my name to my social security number. I never gave any one of these companies notice of my social security number, or the permission to store, share, sell, report on, ect. the fact that they not only store this information, but readily offer it to countless others, solely in the name of profit, constitutes identity theft. I demand, diplomatically for now, that they each cease and desist these practices immediately as it pertains to my sensitive personal private information. Please make no mistake, this is not a request.
Product: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX  XX/XX/2023, and XXXX XXXXXXXX XX/XX/2023.
Product: Checking or savings account

I had to replace my debit card due to fraud. It was immediately cancelled. The representative at Capital One verified my mailing address and identified it as a XXXX XXXX XXXX I never received my debit card. Was never emailed or sent a tracking number. I called Capital One on XX/XX/24 and was told I did not get the card because they can not be sent to a XXXX XXXX XXXX My check was about to deposit and I have bills due. I was told all they could do is resend it. I asked for a supervisor. I spoke to XXXX who told me I would get my card by XX/XX/24 no later than XXXX  via XXXX. Now, it says I won't have my card until XX/XX/24. I am going out of town XX/XX/24. I do not have access to the funds in my account This is causing me a huge inconveniece, and late fees and if I can not go on my trip I will be charged cancellation fees for my flight and hotel.
Product: Checking or savings account

XXXX of XXXX i opened the wells fargo business account, put in enough money and met all the requirements. i called several times and went in numerous times and was told each time and by supervisors that i met the requirements. they escalated it. they never paid me. 

in XXXX i opened a citi account and again in XXXX i was considered new for both and was told i also met the requirements, and in a chat, several times for both accounts and was never paid and have been locked out of all online accts and no one speaks english when i call.
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. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681se ction 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 filled out a application on XXXX for a payday loan and it had me enter in my capital one 360 routing number and account number and then login to verify it was my account. After logging in I received a message error stating I was blocked from viewing my account data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer with XXXX bank for over 10 years. All my information from personal to business is with the XXXX institution. So, when I open a new account as I did so many times before it was a surprised when I discovered that XXXX submitted my application with the wrong address. After correcting address with XXXX. I discovered it was updated to the CRA on my profile with the erroneous address I have disputed with XXXX. 

If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). 

Furthermore, This cause a derogatory to be reported in which I never knew about due to the erroneous billing. 
Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX Re : Disputing errors on credit report Dear CFPB, I am writing to request a correction of the following information that appears on my XXXX, Experian, XXXX consumer report. Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I request that you investigate the following items : ACCOUNTS : Dispute 1 : XXXX Bank opened on XX/XX/XXXX Dispute 2 : XXXX XXXX opened on XX/XX/XXXX Dispute 3 : XXXX XXXX opened on XX/XX/XXXX Dispute 4 : XXXX XXXX opened on XX/XX/XXXX Dispute 5 : XXXX  XXXX opened on XX/XX/XXXX Dispute 6 : XXXX opened on XX/XX/XXXX Dispute 7 : XXXX/XXXX  opened on XX/XX/XXXX Dispute 8 : XXXX XXXX XXXX XXXX XX/XX/XXXX Dispute 9 : XXXX XXXX opened on XX/XX/XXXX Dispute 10 : XXXX XXXX XXXX opened on XX/XX/XXXX Dispute XXXX : XXXX XXXX XXXX opened on XX/XX/XXXX INQUIRIES : Dispute 12 : XXXX XXXX made on XX/XX/XXXX Dispute 13 : XXXX XXXX made on XX/XX/XXXX Dispute 14 : XXXX XXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 15 : XXXX XXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 16 : XXXXXXXX XXXX made on XX/XX/XXXX Dispute 17 : XXXX XXXX made on XX/XX/XXXX I contacted those credit agencies directly and asked them to remove their credit account and/or inquiry from my credit report. I request that you investigate the following items on my credit report to determine who authorized the item. If you find my allegation to be true once your investigation is complete, please remove these items and send me an updated copy of my credit report at the address listed above. 
If you find the account and/or inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Credit card or prepaid card

I have written to XXXX on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I checked my Experian and XXXX credit report and it showed my credit score decreased 16+ points on Experian and XXXX . On XXXX, my credit score increased to XXXX. Please note, since the pandemic, I have decreased my debt ratio from 90 percent to currently 59 percent and it continues to lower with weekly credit card payments. In XX/XX/2020, I finally finished payment on a long term monthly loan ( {$500.00} ) with XXXX. In XX/XX/2020, I received an alert from Experian and XXXX indicating that XXXX sent a notification. XXXX informed me that they sent a positive credit report indicating that I was in good standing and the loan was paid off. Note, absolutely nothing changed with my credit only to lower my debt ratio however, XXXX and XXXX punished me for decreasing my debt ratio by lowering my credit score. This is absolutely absurd. XXXX and XXXX encourages their clients/consumers to decrease debt, make payments on time etc, etc to improve their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a conflict of interest for insured/patients with healthcare providers which is also very possibly violating HIPAA privacy and FCRA through testing, diagnostic and medical billing codes with full access to patients full medical records and private protected medical record information managed by a major credit bureau. Its not disclosed to patients by medical providers and is a complete conflict to have a major credit bureau branch/entity managing information which can affect credit and insurability of patients who seek and need medical care, credit products and services and be assured unbiased insurability. Example : XXXX XXXX XXXX XXXX is one of more than 60 % of United States Hospitals that utilizes Experian to manage all medical and billing records. Providers offer patients access to their health records ie. XXXX, with electronic/data use of credit information of patients that is required to verify a patient own access to the online medical records ( XXXX  ), clearly co-mingling private, protected medical and credit information of patients.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed many inaccurate items on my credit. Please remove these from my credit report. It hurting my ability to obtain credit. Thank you in advance. 

XXXX XXXX XXXX XXXX : XXXX The card was reported stolen yet It still reflects It was active after XXXX. There's not payment history reflecting, no information about this account on my credit report and shows showing two accounts with different credit histories with the same balance.. PLEASE REMOVE. 

XXXX ( Original Creditor : XXXX XXXX ) - XXXX : XXXX I have no knowledge of this account. I have reported this as identity theft. PLEASE REMOVE. 

XXXX XXXX XXXX : XXXX I have no knowledge of this account. I have reported this as identity theft. PLEASE REMOVE. 

INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am constantly receiving multiple calls and letters in the mail from this debt collector they are harassing me constantly i had to change my number so that it can stop. This isnt my debt and I want it to stop
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 ( ORIGINAL CREDITORXXXXXXXX XXXX XXXX ) : XXXX, XXXX XXXX : XXXX XXXX XXXX ( ORIGINAL CREDITORXXXX XXXX XXXX ) : XXXXXXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) : XXXX, XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, 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 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.