23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over  one  year ago I began receiving voice mails from a company identifying themselves as  XXXX   XXXX   XXXX .  XXXX  day I was home when they called and I answered their call. A very rude young man claimed that I owed his company for shoes that I ordered but never paid for. I told him I had never heard of Mason until they started leaving messages on my answering machine and I had certainly never ordered shoes from them. The young man persisted and I told him that " this is a scam '' and I hung up on him.     The voice mails persisted, and some time later I was again home to answer their call. I nice young woman was on the line to whom I again explained that I did not order shoes from her company. After hearing my story she agreed that someone else must have used some of my personal information to order shoes, because the shoes were not shipped to my address. She offered to send me a " fraud '' package to fill out, disputing the claim so that  XXXX  could clear their records. I received the paperwork, filled it out and mailed it to  XXXX .     I few months later, I again started receiving collection voice mails from  XXXX  which I ignored. After many such calls, I angrily answered the phone and threatened to report the company to the authorities. After hearing my complaint, I was told that the paperwork I had filled out was never received and they would send me another set of forms to dispute their claim. I never received the second set of forms.     Recently I received another voice mail from  XXXX . A few days later, I received a statement from  XXXX  claiming I owed them {$450.00} - I had never received a statement or invoice from them before. In the same mail I received a notice from  Professional Recovery Consultants   ( a Collection Agency )  advising that  XXXX  had turned my account over to them for collection.     I am attaching copies of notices from both companies to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you? Im extremely upset and shocked about the way this charge-off on XXXX  XXXX XXXX account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Debt collection

I voluntarily surrendered my vehicle in XXXX of XXXX because I was unable to make payments. My creditor was XXXX XXXX. I knew I would owe them the balance that was left after they sold my car at auction. But I never heard from them other than getting a notice that my car was sold and the remaining balance. 

Fast forward to XXXX of XXXX I get a knock on my door from my local sheriffs office with a warrant in debt summons from a company named Autovest LLC. I have never heard from this company until getting this summons paperwork. 

My complaint is regarding their business practices. Right when covid was over they have done this to many people from what I have read. They bought the bad debt for XXXX  on the XXXX and going straight to civil court with no communication in between. 

It may have been legal, but doesn't make it right. Especially right after Covid and did not even give me the chance to discuss this with them outside the court room.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal demand for immediate compliance under federal law, specifically 15 U.S.C. 1681i and 15 U.S.C. 1681c-2. Your agencys ongoing failure to address the fraudulent information on my credit report is unacceptable and illegal. I have previously informed your company that I am a victim of identity theft, which was a direct result of the Equifax data breach. This breach has resulted in numerous fraudulent items appearing on my credit report. Despite my prior communication, these fraudulent items remain on my report, which is a blatant disregard for the legal obligations imposed on your agency. Under 15 U.S.C. 1681i ( 7 ), you are required to provide a detailed explanation of the steps your agency has taken to ensure the accuracy of the items in question. This includes but is not limited to, the business name and address of any furnisher of information contacted and the telephone number of such furnisher if reasonably available. You have 15 days from the receipt of this letter to comply with this request, or you will violate federal law. Further, under 15 U.S.C. 1681c-2, your agency is legally obligated to block and remove any information that I, as the consumer, consider to be a result of identity theft within four business days of receiving a complaint. You have failed to adhere to this requirement. 
The specific fraudulent items in question include : XXXX XXXX XXXXXXXX XXXX - XXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! 

XXXX XXXX XXXX - XXXX - XXXX XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Checking or savings account

My XXXX account was transferred by XXXX Bank XXXX Optum XXXX around the beginning of XXXX. On or around XX/XX/21, I submitted an XXXX claim to reimburse myself for some XXXX work. My claim was denied and my account frozen/suspended. I contacted Optum XXXX to inquire as to why my account was suspended and I was hung up on twice with no resolution. After calling back again and again, I was finally connected to a XXXX who seemed to be a little helpful, however, this institutions internal policy dictates to the customer when my account will be unlocked and available for my use again. XXXX business days I was told due to my account being cited for fraud. I haven't been able to gain access to my account since XX/XX/21. I feel like my account was transferred to an inferior company with consumer finance compliance shortfalls and technology-related issues that prevented access to my account and money.
Product: Debt collection

On XX/XX/2024 Consumer collection XXXX added a derogatory mark on my credit report ( XXXX, XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Consumer Collection XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Debt collection

I received a letter to collect a debt from XXXX XXXX XXXX XXXX XXXX stating owe a balance of XXXX I called them to request an itemized bill to show what they claimed I owe.the itemized bill they sent me is very small print which I can barely see it .on the other hand I also received the original itemized bill from the hospital I also called them to see if I owed anything..my itemized bill show a balance of XXXX. I call XXXX and spoke with the manager XXXX  who states that I own this and she will note it the file and they will not removed the negative account off my credit file..this company is in violation for the misrepresentation, and also this company isn't licensed in XXXX  to collect any debt .against the law.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX SS # XXXX XXXX XXXX todays date XXXX I recently looked at my credit report and I noticed you are reporting some late payments that are NOT accurate and I would like you to update late payments to ON TIME PAID AS AGREED.I have listed the account name and account number below along with the dates you are reporting late and those dates need to be changed to PAID AS AGREED. 




ACCOUNT NAME XXXX XXXX XXXX # XXXX This account has a XXXX XXXX  day late and a XXXX XXXX  day late XXXX Dates reporting NOT accurateXXXX, XXXX Please fix this problem immediately as it is hurting my chances of buying a new home and these late payments are NOT accurate. Thanks for your help XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For one I paid my account off with XXXX XXXX XXXX XXXXXXXX XXXX TransUnion keep dropping my score unlawful violation consumer rights protection act on top of this TransUnion report unlawful using XXXX XXXX XXXX XXXX to harm my credit score by reporting unlawful act know I have an identity thefts fraudulent activity an fraud alert on .my credit report due unlawful act personal information failed to investigate illegally activity instead taking the company word with 2 form identification by law must be on file to run anybody credit in the United States of America to be approved for any type loans or credit installment payment must have identification number on file an proff of address if they can't provide them documentation im file lawsuits on TransUnion credit report failure to comply with federal regulations guidelines NMLS registration number have the license revoked due to u unlawful act tampering records proving false address identity thefts now XXXX XXXX XXXX XXXX have 10days to provide documentation an verification of 2 form identification on that credit application if they can't provide them I'm file civil action lawsuits against their company an have they license remove an revoke for buying illegally debt an harrissing me violation consumer rights protection act 10 days or removed it from my credit report now
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries 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 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  section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX  XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX  for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), 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, imprisoned for not more than 2 years, or both.
Product: Credit card

On XX/XX/XXXX, XXXX, and XXXX, XXXX, several banks ran hard inquiries to apply for credit cards or bank accounts that I never applied for. 
XXXX XX/XX/XXXX XXXX, XXXX, and XXXX XXXX XXXX / XXXX o XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to inform the CFPB, Equifax and XXXX that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. Equifax and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so.
Product: Credit reporting

This dispute is in regards to a collection on my report from XXXX that should have been deleted from my credit reports. The had a collection placed on my report for a XXXX bill at a location I never lived at nor had service. I put in a complaint with CFPB on XX/XX/XXXX for which a response was given on XX/XX/XXXX that stated " The file shows paid in full and has also been recalled to the client and deletion has been ordered after the file was recalled. '' XXXX also stated, " we did recall the file and deleted the credit reporting as requested by the client. '' My case number with the CFPB is XXXX. Please have this collection removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX FCU XXXX Balance : {$0.00}
Product: Debt collection

In XX/XX/2007, I bought a new house and contacted XXXX Security to install a security system. 

According to city ordinances in XXXX, NC, any new alarm system installed in a home is to be registered with the XXXX XXXX Police Department. 

XXXX subcontracted the job to a third party installer who never registered the system with the Police Department or notified me to do so. 

The house was robbed shortly thereafter and since the system was not registered, the police were never notified. 

I filed a complaint with XXXX Security for breach of contract and terminated my contract since they never fulfilled their duties under the agreement. 

Almost XXXX years later, XXXX has chosen to levy a fee of {$390.00} and turn the account over to a collection agency, Transworld Systems Inc., of XXXX XXXX XXXX, XXXX, PA, XXXX. 

This collection agency chose to contact me now, while I 'm in the process of obtaining a loan to buy a new house as a means of exerting pressure and collecting what is a fraudulent debt. 

I ask for the Consumer Financial Protection Bureau 's assistance with this matter so that I can preserve my good name and credit history. 

The account number being used by the collection agency is XXXX. 

Thank you sincerely for your assistance with this matter.
Product: Debt collection

Debt collectors are saying I owe {$50000.00} for something that is not mine, nor did I sign a contract with them. Claiming to be from an apartment that I did not sign a lease too for that amount. I am military and government and this is effecting my lifestyle, my family, my military job and relocations, and my clearance. This has been an extreme issue and effecting me emotionally and causing emotional distress and disadvantageous livelihood.
Product: Credit card or prepaid card

I believe the email I got is a phishing scam. I don't use a Chase card. 

From : J.P. Morgan Online XXXX Sent : Sunday, XX/XX/2021 XXXX XXXX To : Subject : Re : Summary statement alert code - XXXX Chase Logo Dear Chase member, We recently detected unusual activity on your JPMorgan chase online banking account. 
Unfortunately, we had to suspend your online banking to ensure the safety of your account. 
This suspension is temporary. We will need some additional information to verify your identity. 
Please visit chase.com/update or visit the verification form to complete your identity verification and regain online access. 

chase.com/update Sincerely, Customer Service. 
Chase Logo 2021 JPMorgan Chase & Co .
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report upon getting an alert stating that my personal information was data breach after I pulled my credit report. II noticed that the following inquiries was on my report that I don't consent or authorized XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>