23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Fraudulent collection accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX You are required to remove this inaccurate information immediately, as mandated by U.S. Code 605B, without subjecting my dispute to a 30-day investigation. Under this law, inaccuracies related to identity theft must be blocked or deleted promptly upon receipt of appropriate documentation, and I fully expect compliance with this legal obligation. 

My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Again, You are required to remove this inaccurate information immediately, as mandated by U.S. Code 605B, without subjecting my dispute to a 30-day investigation. Under this law, inaccuracies related to identity theft must be blocked or deleted promptly upon receipt of appropriate documentation, and I fully expect compliance with this legal obligation.
Product: Checking or savings account

There was a XXXX payment for {$260.00} that I did not authorize on XX/XX/year>, and I had to dispute it three times because it was filed incorrectly the first two times and the agents noted that I authorized the charge when I never told them I did, so I could understand why it was denied those times. However, it was filed correctly the third time and the agent noted that the transaction was unauthorized, but the Disputes department still denied the claim. If they paid attention, they could see there was a security issue with this and the transaction actually went through twice. I was automatically refunded for one but not the other. There was no way I was able to authorize that payment because the only way Im able to authorize it is if I have access to my phone number ( XXXX ), which I did not have access to during that time and as much of a time consuming pain it will be I can obtain proof of that from my phone provider if they request this information. 

I just recently closed my credit card that I had with TD for 7 years all because of the Disputes department and how they started mishandling claims about two years ago, and I will not hesitate to do the same with my checking account that Ive had for literally 24 years if I have to. This is no way to treat a customer
Product: Checking or savings account

In the past year, I have had different incidences of identity theft. Due to these incidences, back in the spring of XXXX, I put a credit freeze on all of my credit reports along with putting a freeze on XXXX to prevent bank accounts from being opened in my name. I also put identity theft alerts at these entities. 

COMPLAINT : Today ( XX/XX/XXXX ) I found out that XXXX accounts ( checking and debit ) were opened at Citibank AFTER they had contacted XXXX. I verified with XXXX that the freeze was in place. The rep at XXXX stated they can only report- they can not guarantee what the banking institution will do after they receive the XXXX report. I am angry and frustrated that I have done all I need to do to protect myself yet Citibank is not doing their due diligence to protect me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I did not receive a bill for my outstanding credit card debt with Wells Fargo. This is hurting my credit score and it is very tough to make payments with the global pandemic happening. I owe them close to XXXX $ and I haven't been able to pay since XX/XX/2020due to financial hardship.
Product: Debt collection

Notice for Proof of Claim Account : MEADE & ASSOCIATES INC XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking  assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill,  or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is using stall tactics in order to not investigate my dispute. I sent them my ID and a copy of my social and they sent a letter asking for that information when I sent and had the information notarized.
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. 

1.XXXX XXXXXXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX Limit {$500.00} 2.XXXX  XXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX Limit {$300.00} 3.XXXX Credit Credit Card Opened XXXX XXXX XXXX XXXX Account XXXX XXXX Limit {$1000.00} 4.XXXX  Opened XX/XX/XXXX Account # XXXX Limit {$250.00} 5.XXXX XXXXXXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX 6.XXXX XXXX XXXX XXXX XXXX Account # XXXX Limit {$400.00} 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 am filing a complaint regarding inconsistent reporting and incomplete documentation procedures at XXXX XXXX, XXXX XXXX / United Wholesale Mortgage that led to an incorrect credit reporting regarding my mortgage payment history. On XX/XX/XXXX, I requested relief under a Disaster Forbearance Plan due to the direct effects of Hurricane XXXX. At the time of the call, I was offered the option of deferring the 3 months of forbearance to the end of my mortgage. I immediately resumed payments after the 3 months of forbearance ( Attachment 1 ). In XX/XX/XXXX, I was notified that I had been placed in a Loan Modification Program and was requested to complete an online application. I was offered no other option ( ie the deferral I was originally told about ). Although I disagreed, I followed the process as instructed. UWM maintains that the Loan Modification was approved on XX/XX/XXXX. I did not receive a paper copy of the agreement, did not receive a call regarding the approved modification and the modification was not reflected in documents or balance due on the UWM online portal. On XX/XX/XXXX, I called to make a payment and was not notified of the modification. On XX/XX/XXXX, I contacted UWM regarding calls I had received to contact them ; the representative did not inform me of the loan modification. On XXXX XXXX, XXXX, I was advised that a load modification was in effect and immediately paid what the representative stated was the balance due. At this point, without notifying me in writing, sending an email, or explaining over the phone, I was withdrawn from the modification. My balance due on the UWM portal during this entire period was {$0.00}. UWM relied on mail communication only to pass very pertinent information regarding my mortgage and its terms of the modification. Due to military transfer, we sold our home in XX/XX/XXXX and purchased a new home. During the process, documents were issued by UWM stating that I was not delinquent in payments ( Attachments 2, 3 ). During a phone verification conducted by my new mortgage company, UWM stated that I had not been delinquent in payments. Upon closing my loan with UWM, delinquencies were reported to the credit bureaus stating that I was 60 days late on payments, dramatically affecting my credit rating. As I am an XXXX XXXX military member, we frequently transfer. My credit rating is the primary means by which we secure affordable housing.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I used XXXX XXXX to send money ( {$450.00} ) to someone for a XXXX gift. It all ended up being a scam and I never received the goods. The person ended up blocking me after hours of me trying to reach them so I no longer have any ways of contacting them. I reported the issue to XXXX XXXX  where they did absolutely nothing about it. They told me to just request the money from the person and to see if theyd refund me, which never happened. After several attempts to collect my money from XXXX XXXX, I ended up contacting my bank, Bank Of America for the funds. They told me that theyd investigate the situation only to turn around and deny my clam. I even tried to notify them as the payment was processing to see if they can stop and reverse the transaction. I need help. This is extremely unfair and {$450.00} is a lot of money to just lose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian is currently reporting inaccurate information regarding a credit card account since XX/XX/year> which is the last reported balance update on my Experian report. I've disputed the inaccurate information unsuccessfully XXXX times. The very first time speaking with an agent at Experian, I was advised that the incorrect balance could be " manually adjusted '' if I'd provide the most recent statement reflecting the correct balance. That date was on XX/XX/year> in which I also provided ocular proof of correct balance information via upload to www.experian.com/uploads. On XX/XX/year>, I contacted Experian for the third or fourth time and spoke with a kind representative named XXXX who first informed me that because I lived at my current address for less than XXXX days, that I needed additional screening to proceed with conversation. I've owned and lived in my current residence for almost XXXX years now ( currently reporting on Experian ). After my correction, we proceeded with my inquiry. After explaining my issue, XXXX had informed me that XXXX had told Experian to " not change '' the information which baffles me. XXXX did confirm receipt of my upload with correct statement balance. After conferring with a superior, XXXX informed me that the only course of action for me would be to contact my creditor ( XXXX ) and ask them to respond to the dispute that was sent. I then contact XXXX directly. The associate confirms for the second time that my correct balance was reported to Experian on XX/XX/XXXX which is the day after my statement date ends and that there were not any disputes on my file from Experian. To expedite a solution, the associate was willing to have a XXXX call with Experian to rectify the issue. I then reach back out to Experian to initiate a call and am given an agent named " XXXX. '' XXXX informs me that after confirming receipt of my uploaded document that I would just have to wait until the investigation is over which would take up to XXXX calendar days but usually before the XXXX mark. I express to XXXX that per XXXX, there are no disputes in my file. By this time, I'm just over all of this, however, I pose a possible solution XXXX. I recommend that we complete a XXXX call to XXXX to rectify the issue. XXXX conveniently tells me " We just stopped doing that, Sir. Unfortunately, that's no longer an option. '' I politely digressed and informed him that there was nothing left to do but consult with CFPB for assistance.
Product: Debt collection

I received on XX/XX/2023 a debt collection letter from XXXX XXXX XXXX for a PayPal Inc account which I have never opened. 

The initial 'debt ' was for {$66.00}, with XXXX XXXX adding additional 'fees ' of {$230.00} for a total for {$290.00}. 

My information has been involved in several Data Privacy Leaks in the past, and because of this I have Frozen my credit for over XXXX years. I have never opened a paypal account, and after speaking with PayPal they informed me they are able to open new accounts with simply a First Name, Last Name and email address, and no verification. 

PayPal informed me that the account was tied to a XXXX address which is not mine. 

PayPal is enabling Fraud, and does not care how it impacts consumers.
Product: Debt collection

I never had a loan with XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX Bank. I live in XXXX and these transactions all stem from Georgia. Someone has used my Identity and I can not get it off my credit report no matter who I call or write too! 

My Checking Account was breached in the XXXX XXXX XXXX about 7 years ago. Wondering if this is how someone got my information!
Product: Bank account or service

After the XXXX scandal was made public, I decided that I wanted to find a new bank to bank with. At the time, Regions Bank was running a promotion that offered new customers a {$400.00} checking account bonus when signing up for a checking account. 

Because of this promotion and as a result of seeing local branches in my city, XXXX, TX, I decided to give Regions a try. According to a representative that I spoke with on the phone, my sign up date according to their system was XX/XX/2017. However, I received no documents from Regions until around the middle of XXXX. At that point, I was shocked to see that I received documents for XXXX checking accounts, not just XXXX. 

I logged into my account online, and sure enough there were XXXX accounts opened in my name. As a customer that was trying to find a suitable replacement for XXXX due to accounts being opened without their customer 's knowledge, I was really disappointed. I am not sure how it is possible, or why Regions Bank might want extra accounts to be opened, but XXXX accounts were opened in my name when I went through their sign up process just once. 

My problems with Regions Bank were only compounded when I called Regions Bank to inquire about the promotion, to be told that the promotion ( conveniently ) expired on XX/XX/2017. I checked my own records and was sure that the promotion in question ( XXXX ) expired on XX/XX/2017. I had saved a screenshot of their marketing material that was displayed on their website at the time I signed up for my account which clearly showed the expiration date to be XX/XX/2017. 

The lady I was speaking with on the phone insisted that the expiration date was XX/XX/2017, and that as such I was no eligible for the promotion. I asked her to send me a copy of that document so I could verify for myself. However, she said that Regions Bank did n't keep original copies of the marketing material at that time, and that she could n't send me whatever documentation she was looking at because it was expired and " could n't be printed. '' As I mentioned, my own records and other peoples ' records online clearly show that their marketing material showed XX/XX/2017 as the expiration date. For Regions Bank to advertise a promotion to draw in customers, then tell them after the fact that they are ineligible for that promotion without providing any proof whatsoever is, at its best, dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the companys customer service representative XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!