23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Formal Complaint Against Allied Collection Services , Inc. for Fraudulent Collection Reporting Dear CFPB, I am filing this formal complaint against Allied Collection Services , Inc. for fraudulent and inaccurate reporting of a collection account that was previously removed from my credit report. Despite providing evidence of this debts prior removal on XX/XX/2022, Allied Collection Services has re-reported it under a different amount, which is an illegal practice known as re-aging of debt under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Details of the Dispute : The debt in question originates from XXXX XXXX with a balance of {$2400.00} I have provided documentation confirming that I never had dental work done at XXXX XXXX for the services they claim. My records show that the dental work in question was actually performed by a different dentist in XXXX, Florida, on XX/XX/XXXX, XXXX by XXXX XXXX, as falsely reported. XXXX XXXX previously confirmed that my balance was XXXX, yet Allied Collection Services is now attempting to collect this disputed amount of {$2300.00} This debt was previously removed from my credit report by XXXX XXXX and XXXX, yet Allied Collection Services has reinserted it with a different amount, to all three credit bureaus, but XXXX XXXX blocked them., which is a clear violation of FCRA 605 ( c ). Violations Committed by Allied Collection Services : 1. Re-aging of debt This debt was previously disputed and removed, yet they have re-reported it under a different amount. 2. Failure to properly validate the debt The collection agency has not provided proof that I legally owe this debt. 3. Misrepresentation of the debt amount The amounts reported differ from previous records, which suggests fraudulent or deceptive practices. 4. Continued collection of a disputed debt Under the FDCPA, a collection agency must cease collection efforts until proper validation is provided. Requested Resolution : I am requesting the immediate removal of this fraudulent collection account from my credit report and a full investigation into Allied Collection Services , Inc. for violations of federal consumer protection laws. Additionally, I request that Allied Collection Services cease all collection activity related to this account. If this matter is not resolved promptly, I am prepared to pursue further legal action and file additional complaints with the State Attorney Generals Office, the XXXX XXXX XXXX  ( XXXX  ), and, if necessary, seek damages for FCRA and FDCPA violations. Please find attached supporting documentation, including previous disputes, correspondence, and proof of the debts prior removal. Thank you for your attention to this serious matter. I appreciate your prompt response and action against this deceptive collection practice.
Product: Prepaid card

I received an XXXX XXXX prepaid gift card as a gift for XXXX, the amount was for {$500.00}. 

I called the number on XXXX ( XXXX ) at XXXX EST on XX/XX/2024 and raised the concern that my card was being denied at every merchant I tried using it at. They gave me some script about holds placed for security and that it would take some time to release them. I shared the card number and expiration date so the rep could look at the account. Less than an hour later I was called by another number and the person on that line explained that my case was routed to him and he READ BACK the card number and expiration date to me ( he already had it, presumably from whoever answered my first call ). 

I assumed that he would only have that information through legitimate means so I provided the XXXX digit code when he asked. He explained the holds would be lifted. I checked back later and saw a transaction for a merchant I have never known about or done business with based in XXXX ( XXXX XXXX ) for the entire remaining balance of my card, which was {$490.00} - XXXX cents was on hold from the previous attempted transactions. 

Someone who works in the servicing department seems to be running a scam and sharing card info with a third party so they can call customers and trick them into giving the XXXX digit security code. 

I had raised a dispute with them, which they denied. I called again and explained that it was not acceptable and they re-opened the case today. They said it would take another 45 days to continue researching. 

This seems to be some combination of business with XXXX XXXX or one of it's subsidiaries and something called " XXXXXXXX XXXX '' or " XXXX XXXX XXXX. '' I've attached a pdf of a dispute case they sent to me today.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention multiple inaccuracies and fraudulent activities on my credit report, which have severely impacted my financial well-being and livelihood. I have already contacted the credit bureaus involved but have not received satisfactory resolution. Therefore, I am seeking the intervention of the CFPB to ensure that these errors are corrected as per the Fair Credit Reporting Act ( FCRA ).

Fraudulent and Inaccurate Accounts : There are accounts listed on my credit report that I did not open or authorize. These accounts are fraudulent and need to be removed immediately. 

Late Payments : My credit report shows late payments that are incorrect. These inaccuracies are affecting my credit score and my ability to secure loans or other lines of credit. 

Incorrect Addresses : The report lists addresses where I have never resided. This incorrect information needs to be updated to reflect my actual residential history. 

Collections Account : There is an account listed as being in collections that I dispute. This account is illegally showing on my credit report and must be removed. 

These errors have had a tangible impact on my life. Specifically, I was unable to secure a performance bond for a project due to the inaccurate information on my credit report. This has resulted in a loss of {$30000.00} and has jeopardized my professional reputation.
Product: Credit reporting or other personal consumer reports

I exercise my rights as a victim to use Debt Bondage Repair Act with Experian. I submitted a letter stated which adverse items were to be blocked I submitted a OTDA XXXX XXXX confirmation letter from the NYS. 
I submitted my insurance I submitted my state id Under section 605C of the Fair Credit Reporting Act my items was supposed to be blocked. 

Experian stated they could not verify my identity but asked me to resubmit the same document I already submitted to their Experian dispute portal
Product: Credit reporting, credit repair services, or other personal consumer reports

During the COVID-19 pandemic, numerous individuals, including myself, have faced financial challenges due to the economic downturn and various hardships caused by the unprecedented circumstances. In light of these circumstances, it is crucial that accurate information is reported on credit files, reflecting the accurate financial standing of individuals during these challenging times. I am writing to dispute the inaccurate information that has reported on my credit file, which is in violation of the provisions outlined in 15 U.S Code 1681s-2 ( a ) ( 1 ) ( f ) Responsibilities of furnishers of information to consumer reporting agencies which states : ( F ) Reporting information during COVID19 pandemic ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

President Biden ended the Covid-19 Emergencies on XX/XX/XXXX which means covered period ( bb ) applies in regards to these inaccurate accounts. I attached dispute letter pertaining regarding the account i'm referring to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have previously disputed with ChexSystems and have included new information in this dispute. I have attached a copy of the police report I filed. 

The following inquiries were not authorized by me and I request their prompt removal. 

XXXX XXXX XXXX Date : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX The following addresses are not associated with me and may be the result of fraud. I have included a copy of the police report showing where my identity documents were stolen. Previous disputes submitted to ChexSystems did not result in the deletion of these fraudulent addresses. Identity thieves are using some of these address to open accounts that are not associated with me and ChexSystems now has notification that these addresses are not mine. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX null XXXX, TX XXXX
Product: Debt collection

I've KINDLY REQUESTED LEGAL RIGHTS INFORMATION PER FAIR CREDIT ACTS. 
ANY AND ALL INFORMATION BE SUPPLIED TO MYSELF PER DEBT. 
THEY ABSOLUTELY REFUSE. 

I've Called the Alleged Hospital That Debt Was Incurred. They've NO RECORD. 
THIS IS OBVIOUSLY ERROR, ERRONEOUS OR FRAUD. 
XXXX. 
I WAS IN XXXX XXXX CA DURING CHARGE DATE. 
Nowhere near Arkansas. 
Please have Removed ASAP PER LEGAL RIGHTS. THANKS
Product: Credit card or prepaid card

American Express marked late payment, I have a inability to apply for a mortgage due to this I had a medical emergency and then paid the card in full and requested them multiple times to remove the late charges as a courtesy but they didnt
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXXXXXX XXXX  {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Someone applied for and received 2 personal loans in my name and deposited the money into my personal bank account. Fortunately my bank caught this before they could withdraw the funds. 

The bank froze my accounts so that the funds could not be withdrawn and I am working the bank investigators to resolve. When I pulled my credit report, these crook also tried to obtain loans from 12 other lenders all in a 3 day period in my name. 

They also applied for unemployment benefits for me too. 

Watch out, these crooks are working overtime to destroy your lives.
Product: Money transfer, virtual currency, or money service

Some time between XX/XX/XXXX and XX/XX/XXXX, my PayPal account was locked and I was denied access to the money currently inside. No explanation was given- they requested that I verify my identify and they locked the account shortly after I did so. This came less than two weeks after I filed a complaint with the XXXX XXXX XXXX after PayPal refused to relinquish funds from a second account that had also been locked without explanation. PayPal is illegally holding approximately {$450.00}, a petty sum but one that I earned through honest and legal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX and Tranunion certified letter showing my XXXX payment was never late. Call millions times.
Product: Credit reporting or other personal consumer reports

XXXX $ XXXXXXXX XXXX POSTED NEGATIVE HISTORY AND MY ACCOUNT FRAUDLENTLY
Product: Checking or savings account

Constructive Public Notice! 

Dear [ Bank of America ], I am writing to inform you that any business or customer transaction conducted with the United States XXXX  XXXX XXXX XXXX is a Direct obligation of the United States and subject to the terms outlined in the attached documents, including the Terms of XXXX XXXX XXXX Files and the fee schedule and Schedule A. 

By engaging in any transactions with the vessel, you are agreeing to these terms and conditions. Therefore, I urge you to review these documents carefully and ensure that your business is fully compliant with all applicable laws and regulations. 

Furthermore, I request that you forward these documents to your legal department for review. If necessary, please appoint a representative or Chief Officer to handle dealings with the United States XXXX XXXX XXXX XXXX. 

As a consumer, it is my right to receive fair treatment and quality products or services that meet my expectations as well as the Uniform commercial Code, Codeof federal Regulations, United States XXXX. I take the matter of consumer protection very seriously, and I want to ensure that my rights are fully protected in any transaction with your business. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXXXXXX XXXX  Authorize Representative XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Is Harm to the living man Discrimination in any form is automatic default and your company is in Agreement with said attached Documents
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

I received a phone call from a man who had informed me that he was a processor trying to deliver papers that needed to be signed by me because I was being sued. I asked him what was it about and then gave me a phone number ( XXXX ) to find out what it was it in reference to because he did n't know anything cause the documents were in a sealed envelope. And it was important that I contacted the number to find out for myself. I called the number a very rude man answered the phone and told me that I needed to pay a debt for their company in order to stop the process of being sued and going to jail, I got very nervous and tried to find out what it was about but he just kept yelling at me and telling me that I knew and that I deliberately did n't pay a debt and I was getting sued for fraud and going to jail. So, I panicked cause I really did n't know and I gave XXXX ( XXXX ext.XXXX ) my credit card information and paid the {$300.00}. Then XXXX XXXX came on the line to tell me that it was process in five days and if I tried to stop the payment that they would proceed with the process of suing me. I do n't know who this company is. I have n't received any letter or bill in the mail. I do n't even know what debt they were talking about. All of this took place over the phone on XX/XX/XXXX. On XXXX XXXX I received and email from Continental Consumer Services stating that XXXX XXXX was the original creditor. I honestly do n't know who that is. I realized that I was bullied into paying for a debt that I did n't make.
Product: Debt collection

Dear CFPB, Please find my complaint against XXXX XXXX XXXX XXXX XXXX and PennyMac Loan Servicing LLC I respectfully demand XXXX XXXX XXXX, XXXX to identify the SELLER of my loan to PennyMac and copies of all releases of liens ( 1 ) by XXXX or someone else ( XXXX XXXX? ) to XXXX XXXX XXXX XXXX ( who purportedly SOLD my loan to someone ) ; and from PennyMac who purportedly PURCHASED my loan from someone. 

Releases of prior liens MUST be filed with VA after EACH sale. 

XXXX responded to my prior requests and ALWAYS said that they only transferred servicing to PennyMac. 

PennyMac ALWAYS claim that they PURCHASED my loan from someone. When I ask who sold my loan to PennyMac neither  XXXX or PennyMac are able to respond.

Servicing transfer and SALE of the loan are totally different procedures. 

IF PennyMac actually purchased my loan, here must be a Seller who had rights to sell my loan.

This Seller MUST receive a release of lien from PennyMac.

Please identify the SELLER of my loan to PennyMac and provide me copies of releases of liens by prior owners of my debt ( if any ) I am entitled to have this information ; and it must be filed with  XXXX XXXX after EACH sale. PennyMac never provided me any disclosures who was the Seller or any prove of their " ownership '' of my loan.

Again, please provide me a copy of release of my lien from PennyMac to the Seller who SOLD my loan to PennyMac.
Product: Money transfer, virtual currency, or money service

In 2011 or so Google marketed a free version of " Apps For Your Domain '' at anyone who wanted vanity/personalized email accounts other than XXXX account. However, they phased those out and now focus only on business ( G Suite then Workspace ). They've left in the free legacy accounts, but they converted them to business accounts even though ours has nothing to do with business. We've been trying for months with numerous agencies to find someone at Google who will help us convert the old " Apps For Your Domain '' account to personal accounts and preserve purchases and settings in the app. Google refuses to acknowledge us unless we pay to upgrade to an Enterprise account at our cost, which shouldn't be necessary to just get out domain/accounts converted back to a personal account again ( which a company with the know how of Google should be able to do easily ). The best we can find on their forums is that we just download a raw dump of all our Google data ( Google Takeout ) and lose all purchases and anything else we've done. To bad so sad. Neither the FTC nor the FCC has been able to help. Hopefully the CFPB can since now Google is making changes to their consumer financial product.

Now we come to the new issue. Google is getting converting their Google Pay digital wallet and tap-to-pay service to a new Google Pay service. However, they will not let business/enterprise users ( which apparently we are ) use the new service, so we are going to lose our digital wallet and tap-to-pay services that we have quite a bit of financial information in.

I attempted to contact Google to ask about the new Google Pay, and all I got was that it won't work with enterprise accounts and that I need to create a new, separate XXXX account for it to work. But they did not even acknowledge my question about converting my " business '' account to a personal account or why they are otherwise kicking so many users out of their financial service without a viable alternative.
Product: Credit reporting or other personal consumer reports

I have written to XXXX, via certified mailed. I informed XXXX that I received letters from XXXX XXXX XXXX XXXX Bankruptcy Court and the Court stated that do no not verify bankruptcy information nor do they report to any credit bureaus. 

XXXX did not and does not have written consent from me to release my private information to their credit reporting agency, neither did the XXXX request them to list my personal information. This is a violation of my privacy. 

There is no written nor verbal consent from me to report my private information to any bureau, XXXX, XXXX nor XXXX, nor XXXX, yet they all are reporting without my consent
Product: Vehicle loan or lease

I had a older account with Credit Acceptance and was able to pay off as quickly as I could. I called for a good will delete and there being difficult. I paid ahead in the months of XXXX, XXXX and payed off loan in XXXX of XXXX. I now currently have a new loan since XXXX of XXXX  and Im current with my loan. 

Thanks, XXXX XXXX XXXX
Product: Vehicle loan or lease

Account No : XXXX My name is XXXX XXXX. I live in XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My home phone is XXXX. I am the one who launched this complaint in CFPB. I have been following up with Bank of America on this issue for a year now, but Bank of America had not responded. Bank of America closed the complaint without responding to my concerns in the CFPB portal. Please answer the following questions in the CFPB portal. Please do not cheat me. 

XX/XX/2018, the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX entered my home, violently attacked my children, left a scar, and stole my sons XXXX XXXX. On XX/XX/2018, the XXXX and XXXX gang told me twice that XXXX XXXX and XXXX ordered the attack. The attackers also said they have been monitoring my home for months. I have been paying promptly. I explained the XXXX retaliation situation many times, and I always said I would pay and asked for time. I also mentioned that the XXXX case is ongoing in XXXX. 
Sunday, XX/XX/2018, in-humanely XXXX XXXX and XXXX attacked my son, left a scar, and stole his XXXX XXXX. The next day, Monday morning, when my son went to school ; the school said that his XXXX XXXX licence plate is cancelled. I dont know how XXXX XXXX XXXX school knew about the licence cancellation very quickly. 
I have invested over {$26000.00} in my sons XXXX XXXX. I have been following up with Bank of America since 2018 on this incident, but no response. I financed my sons XXXX XXXX through Bank of America ; does Bank of America have the policy to send XXXX and XXXX XXXX, take my sons XXXX XXXX without any notice, and violently attack my children? 
What happened to my {$26000.00} investment? 
Which policy allows Bank of America to send XXXX XXXX and XXXX to take my sons XXXX XXXX without any notice and attack him? 
Does Bank of America have the policy to monitor my family? 
I always said I would pay. I want my sons same XXXX XXXX ( XXXX ). I will pay the money. And I also want compensation for all the sufferings and losses we endured unjustly because of Bank of America 's violent act. 

Sincerely, XXXX XXXX
Product: Credit card

Called Bloomingdales Credit Card on XXXX XXXX to start a claim for XXXX fraudulent charges that were made from XXXX XXXX totaling XXXX {$1200.00}. It took Bloomingdales two months to mail a Statement of Fraud for me to sign and return. I mailed the signed Statement of Fraud to Bloomingdales which was received on XXXX XXXX per USPS tracking. It is now XXXX XXXX, approximately 4 months since the claim was opened, and there has been no communication by Bloomingdales to me. I have called numerous times for updates. Only response I have been given is to continue to call back.