23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My consumer rights have been violated by : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services In XX/XX/XXXX I was victim of Identity Theft. I submitted my Identity theft report with an officers signature report # XXXX, ftc report, and a letter explaining this along with FCRA 605B printout to XXXX, XXXX, and XXXX. LVNV Funding LLC was removed from my consumer report by all XXXX bureau 's it was reinserted back in my credit report which is another violation of 15 US 1681,15 US 1681i ( 5 ) ( B ) ( i ). I sent a letter certified mail to XXXX XXXX XXXX XXXX, ( Ive uploaded this letter ) stating that RE : Violations of Consumer Laws and FTC laws/guidelines BE ADVISED, this is not a refusal to pay. I dont accept or deny this debt account, and this is not a request of validation of this debt account. Im writing you to let you know that youve violated FTC laws/guidelines and my consumer rights. I also asked them not to sell or transfer the account ( which they did to Resurgent XXXX Services XXXX ) I also made them aware that they would be violating my rights. I included Due to this being matter of Identity Theft on the grounds mentioned above, I will be reporting this to the FTC. If this account is sold or reassigned, I will still hold you accountable for using, possessing and transferring my information and I will seek Damages and/or Violations of {$1000.00} per violation for : 1. NEGLIGENT ENABLEMENT OF IDENTITY THEFT 2. DEFAMATION OF CREDIT WORTHINESS 3. DEFMATION OF CREDIT CAPACITY 4. DEFMATION OF CHARACTER 5. AGGRAVATED IDENTITY THEFT per 15 USC 1028 6. VIOLATION OF 15 USC 6801- Protection of Nonpublic personal information 7. VIOLATION OF 15 USC 6802- Obligations with respect to disclosures of personal information 8. VIOLATIONS OF 15 USC 6803- Disclosure of institution privacy policy 9. DAMAGES PER FAIR CREDIT REPORTING ACT 15 USC 1681N 10. DAMAGES PER FAIR CREDIT REPORTING ACT 15 USC 1681O 11. Mental Anguish 12. VIOLATIONS OF 15 USC 1692 and ALL of its Chapters and subsections This is my final and only warning regarding this matter. I reserve the right to hold you accountable of my Consumer Rights to due you are violating them. I hope you understand the severity of this situation. 

According to the XXXX  Also known as the XXXXXXXX XXXX XXXX Act of XXXX, Debt collectors are Financial Institutions.

According to 15 USC 6802- Obligations with respect to disclosures of personal information, This company LVNV Funding trasnferred/sold my account to XXXX XXXX XXXX  who later sold it to Resurgent Capital Services after all three debt collection agencies recieved my letter ( cerified mail reciept uploaded as proof they recieved the mail ) These companies have violated the all the laws listed above and also violated FCRA 605 B, 15 USC 6803 Disclosures of Institution, 15 US Code 1681b-Permisssible Purposes of consumer reports.Also Resurgent sent me out mail again dated for XX/XX/XXXX XXXX.after they recieved my letters my rights have been violated and continue to be violated
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX FI Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I sent a goodwill letter to Comenity Capital/Dell requesting a review of how a charged-off account is reported on my credit report. The account, with a balance of {$1300.00} written off, is marked as closed and charged off as of XX/XX/year>. Despite my efforts to contact them for clarification and corrections, I have not received any response or acknowledgment of my request. I believe this lack of response and the continued reporting of the charge-off is unfair and potentially harmful to my credit profile.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), and a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In response to the recent investigation, I hereby express my disagreement with the findings and request the utmost accuracy. I am dissatisfied with the efforts made to contact the creditors responsible for the information reported on my credit file. Therefore, I seek further clarification regarding the following items under question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I hereby request a reinvestigation and update of these disputed accounts. You are allotted fifteen ( XXXX ) days from the receipt of this communication to complete these actions, unless otherwise notified, in accordance with 15 U.S.C. Section 1681i ( XXXX ) ( A ). Failure to verify within this timeframe constitutes non-verification, mandating prompt updating of the accounts as per Section XXXX ( a ). Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I request notification upon the completion of updates to the items.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I opened a secured credit card with a limit of XXXX XXXX dollars. After a year or so, i decided to close that card, why pay interest to the bank for my money. This action happened to impact my credit negatively. No one informed me that this would impact my credit negatively and i do not understand how credit reporting companies can just look at information at face value and determine it requires a negative value. That practice is not aligned with core values and principles of lending. I did nothing wrong but i am punished for years as a result of this. Please take a moment and advise me on how to resolve my issue and what can i do to stop this practice that i will call an intentional oversight for lack of a proper term. Im sure this issue is XXXX, that XXXX americans experience everyday. 
Thank you in advance for your time and help. 
XXXX XXXX XXXX XXXX. XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the co-signer for 3 commercial vehicles through ALLY. The company that the vehicles were financed through filled for bankruptcy in early XXXX, and Ally closed our account and removed access from their payment portal shortly thereafter we must assume. When we tried to make the XXXX payment, we encountered the account closed and portal access removed. We immediately called Ally and were given a set of instructions to mail three separate payments to a PO Box , which we did. 31 days after or so in XXXX, we received a notification from my credit monitoring service that I had three late payments. ALLY claims that they never received a payment, while I spoke to the customer service person, before transferring me to the bankruptcy department, and she said that it was never processed as the account was closed. We never received any communication from Ally that our payment wasn't received or a process for payment, as the co-signer, while the bankruptcy was taking place. ALLY reported it to my personal credit as the co-signer without any communication to me. As soon as we found out that the payment wasn't processed, we immediately made a double payment through the bankruptcy department and set up a bank auto pay, to keep tabs of any future activity.
Product: Debt collection

I had a complaint with a company called XXXX XXXX XXXX - Acct # XXXX that was collecting a debt on behalf of XXXX in the amount of {$2400.00}. They were sent a certified debt validation letter on XX/XX/XXXX to provide validation of debt in which they failed to provide the following documents : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants you authority to collect on this alleged debt. 
A copy of your state license, including license number. 

Due to the debt not being able to be validated they removed the collection from my credit reports. I now see a the same collection for XXXX with with a different collection agency " Diversified Adjustment Service , Inc. - Acct # XXXX '' collecting in the amount of {$2400.00}. This company was also send a debt validation letter on XX/XX/XXXX requesting them to provide the following documents above. The company proceeds to send me a bill and a lease agreement with and address in OHIO that is not affiliated with me nor belongs to me. I also included a police report to this company advising I have filed a fraud report and this debt does not belong to me. 

The documentation that was provided by not only XXXX XXXX XXXX ; but from Diversified Adjustment Service Inc. as well are entirely inaccurate and incomplete. I have no knowledge of this debt and this debt does not belong to me. Just as the previous company could not validate this debt and removed from credit report ; Diversified Adjustment Service Inc. should do the same as well as they are selling these debts to different agencies when they have failed to validate these debts in compliance of the FDCPA guidelines 15 U.S.C. 1692. 

I asked that if they could not validate my debt by providing the following documents within 15 days of this complaint they will need to remove from my credit reports or I reserve the right to sue their company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted. I have also included proof of my signature which DOES NOT match with the same documentation sent to me by both XXXX XXXX XXXX and Diversified Adjustment Service Inc.
Product: Debt collection

I closed an account with XXXX XXXX when I moved from XXXX XXXX XXXX XXXX, XXXX, CA. The XXXX in turn sent me a check for the credited amount on my account and closed my gas bill. On Monday, XXXX XXXX, 2017 I contacted XXXX XXXX and the representative informed me that my account was closed. Someone else attempted to turn on service at the address and then cancelled service. After that action XXXX XXXX turned service back at that address in my name without my authorization nor was I aware of this or notified. This account is now reporting on my XXXX Credit Report and I am outraged about {$190.00}. I did not live there nor request that action.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AMERICOLLECT plus they did not provide me with the original application like I asked. 

Account XXXX : XXXX Amount Disputed : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For the payments of student loan account XXXX on XX/XX/XXXX and XX/XX/XXXX, payment was given over the phone to XXXX  ( at the time XXXX XXXX ) Customer Service representative. Payment was not made to correct account two months in a row, and we only realized that the payment was put into other accounts after the fact. Please know that at the time, I had more than 5 separate student loan accounts for different years of XXXX with XXXX XXXX, all of which were similarly paid by phone but never " past due. '' We spoke to XXXX XXXX and were assured they would rectify the alleged " late '' payments that were not actually late, but misplaced by XXXX XXXX themselves. However, after several years and requests this has not been done. As such, my credit report continues to show this specific loan as being not paid for the months of XX/XX/XXXX ( " 90 days past due '' ) and XX/XX/XXXX ( " 120 days past due '' ). I have recently initiated a credit report dispute through Experian, which rectified another similar discrepancy for XX/XX/XXXX. For whatever reason, the discrepancies for XX/XX/XXXX and XX/XX/XXXX were not similarly rectified. I demand that XXXX finally resolve this discrepancy and notify the three credit reporting bureaus that this is resolved, remove the delinquencies, and to update my credit reports. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Dear CFPB, on XXXX XXXX, 2015, I applied for a XXXX Credit Card issued by XXXX Bank. I received on XXXX XXXX, 2015 a declination letter form XXXX and the reason for their decision was " insufficient credit history on file '' and the CRA who is named is T.U. Consumer Relations ( Transunion ). This decision has hurt my financial life. It is the job of the CRA to report correct information furnished by the consumer. If the CRA was not able to provide to the creditor specific information of the consumer, theymust specify the item that was missing or incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 and XX/XX/2019 My credit report was obtained, ( 2 hard inquires ) without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card company is showing my account as 30 and 60 days late payment it is showing during a time when my account was showing as not being reported. 
I was never late with my payments. I tried contacting the company but they did not do anything to resolve the issue. My account number is not showing on the account and they said they can't give it to me because of confidential reasons so I don't have the account number and it is not showing up on the report. The account is closed because I have not been using this account.
Product: Checking or savings account

I was looking for a new renowned international bank with a presence in the US, since I travel a lot. I came across an offer from HSBC US for a Choice Checking account, which included a welcome offer of {$200.00} when activity was met. The nearest branch is about 15-20 minutes from my house so I decided to apply online. I can't describe how frustrating it has become dealing with this bank. After about 30-40 questions and a 30 minute application process, it states all applications need to be verified and somebody would contact me back in 48 hours. The days went by and I called, I was connected to an overseas call center and they explained me I had to wait some more. I asked to speak with a supervisor and I was told they have no supervisors. I waited some more and called again, I was told I need to contact each Credit Bureau and submit a copy of my credit report in writing to them. What the heck? Never in my life have I been asked to submit a credit report. They can do that themselves. Why in the world are we as a country allowing this bank to operate in our country? By the way, at the end of the last call, the person called XXXX told me : " I need you to hang up now sir, we're done here ''. 

Reference Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was involved in the Equifax data breach and ever since I have had multiple accounts and other personal info on my credit reports that don't belong to me and I did not in no way authorize. I have filed a police report and identity theft report. I have disputed it with all three credit bureaus and still the stuff remains like Im liable for it when I did not authorize any of it.