23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I'm aware that these transactions is fraudulent [ Debit Card Purchase At XXXX XXXX, XXXX, XXXX On XXXX From Card # : XXXX from XX/XX/2021, Debit Card Purchase At XXXX XXXX, XXXX, XXXX On XXXX From Card # : XXXX from XX/XX/2021, Debit Card Purchase At XXXX XXXX, XXXX, XXXX On XXXX From Card # : XXXX from XX/XX/2021 ] These transactions belongs to someone else and someone has obtained my personal information ( identity theft, fraud, error ). I didn't sign any lease term agreements and I didn't authorize or give permission ( consent ) to XXXX XXXX to withdraw money from my account on any or lease tern agreements. After contacting XXXX XXXX and for further investigation on my behalf, XXXX is the merchant and the address that the item got delivered to was a ( XXXX XXXX XXXX, XXXX, TN XXXX ). I never lived there and I'm not responsible for any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, Equifax, and XXXX have failed to provide any proof at all of validation of the accounts below according to federal consumer laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse items 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 do not remember dates and amounts but I was called and harassed multiple times a day from portfolio recovery saying they would sue me and ruin my credit if I did not pay them
Product: Vehicle loan or lease

On XX/XX/2021 I was pressured by dealership to buy more cars when i came to buy XXXX but due to the fact they ran my credit without my authorization XXXX times and I had approval from XXXX bank they insisted I dont let the approval go to waste and use them all. I said it didnt make sense financially but they used high pressure sales tactics and mislead me to believe that i was essentially required to do so. I sent out a letter of rescission, a list of my right that was violated, and asked for debt validation. certified mail said the letters was delivered but still no response
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX, # XXXX Account name : XXXXXXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX  # XXXX
Product: Debt collection

Previous complaint filed with CFPB back in XX/XX/2020. 

Fees were not fully refunded when balance was paid in full. 

The company continues to contact me on my cell phone when I previously advised them they are not to contact me on my cell phone. 

They are charged me fees on top of fees which has amounted to additional late fees and finance charges. 

They have also called me and failed to disclose that they are calling to collect on a debt which is a violation of the Fair Debt Collections Practices Act. ( Mini Miranda ) When I called out the regulatory violation the representative laughed at me and called me a liar and said I did not know what they were talking about. 

They also did not disclose that they were recording the call or not, if they were that is a violation of TCPA where it is a requirement to advise a caller they are being recorded. 
I attempted to record the call but unfortunately it did not work. 

The numbers they call from are either Blocked or masked numbers which I believe is also a violation of TCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX  XXXX Balance Owed : {$27000.00} ; XXXX  XXXX Balance Owed : {$2900.00}.
Product: Credit card

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I purchased {$240.00} of merchandise on Amazon and used XXXX to pay for it. XXXX  loan number XXXX was provided to synchrony who stated they didnt know who XXXX was. synchrony later came back and stated that I applied for an Amazon card. The Amazon card in which I never applied for was sent to an old address in which I havent lived at for almost 5 years. Synchrony continues to send me a bill for an Amazon that I never applied for as well as merchandise that I have already paid for using XXXX. Please resolve this.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my XXXX, XXXX  and Trans Union credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, XXXX Credit Card from XXXX  XXXX  XXXX, XXXX XXXX XXXX from the XXXX  XXXX XXXX, XXXX XXXX  from the XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. I am respectfully requesting a validation and method validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account : XXXX XXXX XXXX XX/XX/XXXX, Collection associates LTD XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. These item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.
Product: Debt collection

I just received my credit report and noticed someone used my personal information to apply for numerous things
Product: Credit reporting or other personal consumer reports

I submitted disputes to Transunion, I have certified mail sent to them as well, and I have called them many times to remove this inaccurate information but it has not happened.
Product: Debt collection

On XX/XX/2015 I submitted a FULLY VALID check ( convenience check with plenty of available balance ) to a grocer and it was sent to collections erroneously as a " returned check '' because they did n't process the check properly. The debt collector it was sent to lied to me, stating they sent me a notice XX/XX/2015 about this check being " returned ''. I never received that letter and they sent me a " copy of the letter '' ( dated XXXX XXXX when they sent it after I called, not XX/XX/2015 ), when I discovered the error on my credit report. The bank on which the check was drawn NEVER RECEIVED the check and thus could not have returned it. I have that letter in writing from that bank proving it was never received, thus not returned. Now my credit scores have plummeted, and is marked as a collection. Just today on XXXX XXXX it is saying the collections were removed, but my score is still disgustingly low, and it has marred my standing for anyone looking at my report all this time. It is showing I wrote a " bad check '' when I did no such thing! My scores were " Excellent '' and now " Poor '' due to something I did not do, and the involved bank gets off scott free.
Product: Debt collection

Are you kidding me, I am so upset at the fact that southwest credit systems claims that they do not need my signature on a contract, every company wether its cell phone service or cable service requires a signed contract from the person who wants its services, the copies of the bills that they sent me arent good to validate this account. By law it is required that a creditor provides the original contract upon request, if I didnt sign a contract then how can this company tell me that this debt belongs to me? Either provide me with the original contract or I will sue southwest credit systems and they will have to provide the court with the contract or any document that says that I opened the account and that I agreed to pay them for these services that I am being charged for.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account being reported on 2 of my credit reports by XXXX XXXX XXXX. I contacted XXXX XXXX on XX/XX/, by telephone at XXXX and spoke with a customer service rep named XXXX XXXX. He advised that he didn't have any information matching my name, address or social security number and that he was going to submit an account resolution update to get the information stopped from being reported. I have sent a letter to the credit bureau requesting the information to be removed or updated certified letter return receipt XXXX. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports.
Product: Debt collection

I received a letter from the Simon 's Agency regarding a debt that had previously been satisfied with the hospital network. When I received the letter, I first called XXXX and they stated that they could see that the service from this date had been paid and that they would send it to the case manager to have it investigated. 
I then reached out to the Simon 's Agency , Inc. and explained the situation and requested that they put my confirmation of payment ( I had the number to provide them with ) in my file for reference and they told me that they didn't want it and that unless XXXX told them otherwise, they were going to continue to collect. 
I sent the Simon 's Agency a hand written dispute in the mail. I provided my payment confirmation number and requested that the matter be investigated. 
On XX/XX/XXXX, I received a call from XXXX, my case manager at XXXX ( XXXX XXXX XXXX ) .She stated that I was sent to collections in error and that the matter would be resolved that day. 
Yesterday, I received the attached letter from the Simon 's Agency allegedly " verifying my debt ''. Please find my Bank statement with proof of payment, verification letter, and confirmation number from the date this payment was made. 
This is literally the 3rd time that the XXXX XXXX XXXX has sent my file to a debt collection agency in error and it is exhausting. My health has been very poor recently and I have already spent a great amount of time proving that I do not owe this claimed debt. It is clear that the Simon 's Agency has no interest in researching the validity of the debts that they are attempting to collect on, as sufficient proof was made available to them. I have excellent credit and do not want their in-compliant practices to have a negative impact on me and my family. 
Thank you so much for your assistance in this matter. 
Best Wishes, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my fifth attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I fell behind on my mortgage due to covid-19. I am self employed and encountered a significant decrease in income at that time, XXXX. I contacted my mortgage servicer Fay and applied for assistance. On XXXX, I was told there were absolutely no retention options available to me. I was told that the investor XXXX does not participate in deferments or loan modifications. I was told that over the life of my loan, I have been offered the maximum amount of repayment plans allowed by XXXX. 

My mortgage was in good standing until a global pandemic occurred and my mortgage company has made no effort to truly help me.
Product: Credit card or prepaid card

I just obtained my XXXX Visa Credit card from Barclay 's late last year ( XX/XX/XXXX ). I opened this card strictly for the reason that Barclay 's offered unlimited 4 % cash back on restaurants and bar purchases, as well as cell phone accidental protection when paying for your phone plan through the card, and another {$50.00} reward if you spend {$5000.00} per year with the card and have at least {$50.00} in online subscription purchases XXXX XXXX XXXX, XXXX, etc. ). Additionally, they offered a bonus cash back amount XXXX {$150.00}, I believe ) for spending {$500.00} or {$1000.00} within the first 3 months ( I can recall the exact amount ). 

I just received an email on Tuesday, XX/XX/XXXX, stating that the rewards program is being completely overhauled and none of these benefits as they currently exist will remain as of XXXX, XXXX. Even further, the rewards earned will only be redeemable as, " XXXX Cash, '' and no long cash back XXXX statement credit or direct deposit to my bank ) or in various gift cards. This is a complete bait and switch tactic and I would certainly be interested if there is anything the CFPB can do to help me. Thanks very much.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX. XXXX XXXX XXXX XXXXXXXX {$120.00} Credit limit {$300.00} Open Date XX/XX/year> I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Product: Debt collection

The problem that I'm having with this company is that I cancelled services, paid everything and returned equipment to save money, time passes and when I look at my credit report I find out that there is an account in collections from them stating that I owe them money when I clearly remember making the last payment and returning the equipment, which they're not only charging me for money that I do not owe but they're also reflecting on my credit report which is hurting my credit.
Product: Debt collection

Hunter Warfield Inc, {$10000.00} XXXX XXXX opened XXXX XXXX Reported I have requested information from creditor with signed affidavit due to identity theft and no known knowledge of account. This has caused much damage to credit report and needs to be deleted from all credit bureaus immediately. 

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer ; or modify that the item of information as appropriate, based based on results of the reinvestigation ; and promptly notify the furniture of the information information that the information has been modified or deleted from the file of the consumer. 

And according to this law, they are supposed to provide me a description of the investigation, according to 15 USC 1681i ( 7 ) description of reinvestigation procedure paragraph ( XXXX ) ( B ) ( iii ) but not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. 

And according to 15, USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows and has reasonable cause to believe that that information is incorrect or inaccurate. 

This account has been obtained due to fraudulent identity theft
Product: Credit reporting or other personal consumer reports

I am writing to dispute credit inquiries on my Experian credit report that I believe lack a permissible purpose under the Fair Credit Reporting Act, specifically referenced in 15 U.S.C. 1681b. The inquiries in question do not reflect my consent or knowledge, and I do not recall initiating any financial transactions that would justify these hard inquiries. 

Here are the details of the inquiries : Inquire : XXXX XXXX XXXX Date : XX/XX/2024 Inquire : XXXXXXXX XXXX Date : XX/XX/2024 According to 15 U.S.C. 1681b of the FCRA, credit reporting agencies are prohibited from releasing a consumer report for any purpose that is not listed under the permissible purposes. Since these inquiries appear to lack such permissible purposes, they must be deleted from my credit report.