23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against RentDebt Automated Collection for committing identity theft. I have never given RentDebt Automated Collection any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692 ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RentDebt Automated Collection can provide me with sufficient documentary evidence that I have legal obligation to pay them. If this documentary evidence can not produced and RentDebt Automated Collection continues its collection efforts, I will file litigation for actual damages caused and RentDebt Automated Collection will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required.
Product: Mortgage

They told me 50 minutes before they sold my house that I didnt qualify
Product: Debt collection

I am filing this complaint for a client of XXXX XXXX XXXX. He is in our debt settlement program. OneMain Financial has called his work on many occasions after being told by him that it will impact his job. He has since been given a verbal and then a written at work due to the calls.
Product: Credit reporting

I was A victim of identity theft somebody still my SS Number and open a bunch of accounts under my name. I went to Police station and they took a report I ask them to investigate but they did not find the criminal I send the report to credit bureau and XXXX and XXXX deleted the Wrong information but equifax did not. 
Can you help with Equifax thanks
Product: Credit card or prepaid card

I disputed a transaction of {$510.00} which I paid for an XXXX purchase. I bought an electric scooter for my roommate as his birthday gift. The order was supposed to be delivered by Friday XXXX XXXX but it hasnt arrived yet. Whenever I call XXXX regarding the issue, they just postpone the delivery date. They said it will be delivered on Saturday and when I called them again, they again said it will be delivered some day later. 
I am so frustrated at the XXXX customer service. I have been a loyal customer of XXXX for years and they couldnt keep their promise of lightning fast delivery for their XXXX XXXX  customers. I am so embarrassed I couldnt attend my roommates birthday party just because they ruined the gift. I deem this to be customer dissatisfaction of the highest level and thus dispute the transaction. 

And since the credit card I used to pay for the card has purchase protection and am covered for customer dissatisfaction, I disputed the dollar amount with Wells Fargo. I used their XXXX XXXX. They registered the dispute but have been lazy about resolving it. 

My statement closing date is XXXX XXXX and I am afraid that of the {$510.00} would be showing up on my statement balance. It currently shows up as a posted transaction and is included in the statement balance. Since the dispute is ongoing, I am technically not required to pay the interest or fees for this charge until the dispute has been resolved. However, even after paying the remaining bills on the credit card, this charge still stays there and if not paid, it gets reported to credit union. 

I requested the bank to help me suspend that transaction or give a probationary credit or do something to take that {$510.00} out of the statement but they said that the cases take 10 days to resolve. In ten days, this balance would have been reported and my credit score would be damaged. 

My credit limit on the card is {$2000.00} and {$510.00} balance would mean 26 % credit utilisation. I have been using this card for the last three months and always I have paid the full statement balance before the cycle closing date. I never even had {$1.00} balance being reported to the credit union for this card. Now, a 26 % utilisation being reported on this card would mean a huge impact my credit score. 

I requested the company to alleviate my situation but in vain.
Product: Debt collection

This company was reporting debts on my credit report that were unfamiliar to me. After seeking legal council I was advised to exercise my right to request validation of the accounts pursuant to the Fair Debt Collection PracticesAct. In correspondence dated XX/XX/2015, the company received my demand for validation. This company simply ignored my request and did not bother to respond to me, concurrently they verified the accounts with the credit bureau following my dispute with the credit bureau.
Product: Debt collection

on XX/XX/XXXX I request in writing a certified mail Domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation made pursuant of the above name title and section respectfully request your office Profit Service Group to provide me with competent evidence that I have any legal obligation to pay you if your office fails to respond to this validation request within XXXX from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report /credit file and a copy of such deletion request shall be sent to me immediately.as of XX/XX/XXXX I still haven't hear any thing from this company profit service group they closed the account profit service group did not remove nor sent me a copy of such deletion sent to me immediately associated with the above-mentioned have grossly violated section 809 & 15 USC 1692g of the FDCPA
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and subsequent identity theft. Fraudulent accounts and inquiries have appeared on my credit report without my authorization. I request that you take immediate action to block and delete the following accounts and inquiries as allowed under XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ) : Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a text message for a XXXX XXXX ( not my name ) stating that a P & B would take negative action on my account. I have no account with P & B. I am not XXXX XXXX. They ahve also called from various phone numbers alleging an amount owed. I do not have credit cards and do not borrow. I have never heard of P & B. 
Text was received from ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute these inquires with XXXX XXXX. Both times I went to see if I prequalify around XXXXXXXX XXXX and of XXXX of this year. I never actually went through the process of applying for the loan. These inquiries should be removed. I sent them XXXX letters in the past 30 days and I have not received a response. 

On another note, On another note XXXX XXXX XXXX show I owe nothing in student loans, but Experian shows I do. It mentions in the Fair Credit Reporting Act that the agency must investigate unless your dispute is frivolous. 

It doesnt mention I have a XXXX balance on my XXXX account. It shows up on Experian from my current knowledge of the situation. I didnt see it on XXXX XXXX That also makes we wonder how I received letters from different third party companies in the past 2 years that I owe money to them in regards to XXXX. This baffles my mind on how these credit bureaus are spewing inaccurate information.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXXXXXX XXXX DEPT OF EDUCATION XXXX XXXXXXXX Account name : XXXXXXXX XXXX  DEPT OF EDUCATION XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX - has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Late Dates : XXXX for I believe it was reporting in error.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX ending in XXXX is paid and should reflect a current status and paid closed 0 balance. I submitted proof time this and even the lender updated it but now they have put it back on my credit report. This is causing me issues with a lain I need to take and is preventing my ability to proceeded. Please correct this asap and it has been over 30 days since the request and proof was provided
Product: Credit card or prepaid card

My Wells Fargo card was used fraudulently in XX/XX/2022 to make purchases at a XXXX XXXX and a store named XXXX. Wells Fargo continues to tell me the charges are valid, On or around XX/XX/XXXX I was contacted by a 'Tate ' from Wells Fargo Executive Offices and we had a conference with the Wells Fargo Fraud Investigation Team . During this conference I was told by Wells Fargo that it 'appears ' that I made the charges- I not anyone known to me made the charges abd yet Wells Fargo is forcusing me to pay for something I don't have. 'Appears ' is not sufficient proof that I made the charges it is conjecture, speculation. The onus is on Wells Fargo to prove I made the charges, it is not up to me to prove I did not. A police report was filed, an FTC Identity Theft report was filed. I nor anyone known to me made these charges. 

During the conference call in XXXX, the Fraud Investigation Team was asked by XXXX to provide additonal proof that I made the charges. I was told I would hear back within 10 days. I have not. I've tried to call XXXX on numerous occasions but he never answers nor does he ever return my phone calls after I leave a voice mail XXXX can be contacted at XXXX
Product: Credit card or prepaid card

I am being robbed by a merchant and their employees of {$3600.00}. Wells is profiting off of the interest accrued over the last year of me fighting the charge. They are refusing to reverse the fraudulent transaction. This is causing me financial harm and harm to my once perfect credit.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXXLVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my  request to provide me with an investigation report. 

. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered when I checked my credit files on XX/XX/XXXX an adverse collection action reported by Revsolve Inc. on behalf of XXXX XXXX for {$100.00}. This account does not exist. XXXX and XXXX reported the account was placed for collection XX/XX/XXXX. This information was first reported by XXXX XX/XX/XXXX, no information on when first reported by XXXX. I filed disputes on XX/XX/XXXX and the information was deleted from my credit report by XXXX the same day and by XXXX on XX/XX/XXXX.
Product: Debt collection

Rocky Mountain Recovery contacted me in order to collect on medical debt. They told me that if I agreed to make payments, that they would keep it off my credit report. Instead they opened a collection account on me on XX/XX/2019. They continue to take monthly payments from my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I sent out a certified letter which was an inquiry letter about items being on my report that are not authorize. they sent me a letter stating that the items were factual and they remained on my report however Im a victim of XXXX breach as well as I sent in a FTC report regarding fraud gave them the report number as well they sent back me A generated letter saying that the items were factual. if Im a victim of XXXX breach an my information is linked as well as Im sending you a report of Unauthorized inquiries on my account and unathurized use of items on my credit how is it factual. Theyve done this to me several times in attempt to removing these inquiries off my account and the items I listed in the attachment. Perfect example XX/XX/XXXX I disputed items once again the same items Ive been disputing in on XX/XX/XXXX that Dispute was completed the same day and I called about XXXX  so how are you looking into the matter if it takes you less than three hours to complete an investigation then send me a report two days later XX/XX/XXXX that the investigation is complete.This shows me that XXXX is failing to be concerned with my credit report as I am and continue to issue generated responses to this serious matter that I believe is very serious on my report. I have fraud alert and security freezes with all 3 credit reporting agencies after this breach with XXXX and the glitch with XXXX  Another issue is XXXX  shows they sent them documentation of removal of late payments due to hurricane Irma from XX/XX/XXXX through XX/XX/XXXX the items were removed from all three agencies. A few day after XXXX  XXXX and Experian re-inserted the items again ( without a 5day notice ) now this has been a problem because Im unable to Receive much-needed credit and high  interested rates and denied credit do to these bad inaccuracies they are costing me more money by the day and are hindering me the letter the company sent them is also insert it in the attachments.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process e was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

They claimed that I ordered " TransUnion Report, Score, and 3-Bureau Credit Monitoring '' and charge me {$27.00} I never ordered anything. Their website is exceptionally deceptive. 

Had to give credit card number in order to get 'free '' credit score. They never disclosed any charges, certainly not {$27.00}
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX
Product: Checking or savings account

I have card service direct from the federal treasury with direct express brought to my home electronics which are registered correctly for the card service. But, my full card features including card to card transfers are not unlocked. But, are needed my me to make and transfer payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015 I lived in XXXX, Ga XXXX I was renting from XXXX XXXX XXXX. I explained to the office that I was being harassed by my ex and I wanted to break my lease to relocate. At the time I owed rent and they started a dispose s process I went to court and we decided with an arbitrator that they will take my security despoit if XXXX as the debt paid. At the same time the company was acquired by XXXX XXXX  which now I get not get any information from XXXX XXXX because that company it s dissolved I am now paying for this on my rental history and can not move forward in life because the company has closed. And XXXX XXXX has no accurate information. I have a XXXX year old with limited funds to hire an attorney for this I do not know where else to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX pulled my credi three times - I never gave permission to " XXXX XXXX '' Nor did I give verbal, written or any permission to RUN MY CREDIT!!! 

I Did not give Equifax permission to run my credit nor did I sign any documents or paper work, They are REQUIRED to remove these Hard Inquires within 30 days. I do not know them nor have I EVER spoke to anybody from XXXX, XXXX XXXX XXXX and or XXXX XXXX. 

Todays date is XX/XX/2018 at XXXX I request they show signed documented proof of my signing an OK or giving a AUDIO Recording of me giving them permission, This company does not have permission and I did not speak to anybody from this company. Therefore I request them to remove these inquires within 30 days. Should it go over 30 days I will seek legal action against all parties for fraud. 


Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>