23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A person identifying themselves as " XXXX '' called my place of employment 8 times in one day trying to get in contact with me on XX/XX/XXXX. My administrative staff believed it to be some sort of emergency because of the repeated calls. When I returned to my desk, I called the number that was left. " XXXX '' identified himself as someone working for Williams and Fudge who was looking for who they had reason to believe was my spouse about a " business matter. '' I told him that I do not know who he is and I will not confirm that the person he is looking for is my spouse, again because I do not know who he is. I told him that he is not to contact me again in attempts to contact someone else. I told him explicitly that he does not have my permission to contact me at work looking for someone else. I repeated myself that he can not call me at work and asked him if he understood. He said that he did. 

Today, XX/XX/XXXX ; a man identifying himself as " XXXX '' from Williams and Fudge called me at my place of employment saying that he had to " talk to me about a business matter with my spouse. '' I recognized the name of Williams and Fudge again and said that I spoke with someone from there weeks ago that they do not have my permission to call me at work looking for someone else. I repeated myself and told him not to ever call me at work looking for someone else. I then hung up. 

I believe they are harassing me. Calling constantly and ignoring my demands that they not contact me at work when they are trying to actually contact someone else. I refuse to confirm with them whether the person they are looking for is my spouse because again I do not know who they are or for what purpose they are trying to contact this other person. Regardless, they have been told multiple times that they do not have permission to call me at my place of employment.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/scrub>XXXX XXXXXXXX Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Equifax XXXX Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed.

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days.

The agency must promptly notify the consumer of the results of the investigation.

If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Debt collection

I have been going back and fourth with this company about this alleged medical debt for years. I never once received anything in the mail, I wasnt even notified of this until I checked my credit report. I have disputed it many times and still not received validation of the debt. On XXXX XXXX2017, I mailed a debt validation letter via certified mail with return receipt and its been 35 days, still no response. At this point, it seems like I may need to take legal action against this company.
Product: Debt collection

I am disputing the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$2600.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : XXXX XXXX XXXX XXXX XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Canceled by credit grantor Original Creditor : Not available Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$1100.00} Account Type : Charge account Payment Frequency : Not applicable Credit Limit : {$1500.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated. 
Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Incorrect Address on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information appearing on my credit report. Specifically, the address listed on my credit report is erroneous. The incorrect address is as follows : Incorrect Address : XXXX XXXX XXXX XXXX, TX XXXX Incorrect Address : XXXX XXXX XXXX XXXX Tx XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX This address is not associated with me or my credit history. I have never resided or conducted any financial transactions from this location. My correct and current address is : Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I have already contacted the credit reporting agencies to rectify this error, but I am seeking your assistance in ensuring that this matter is resolved promptly. The inaccurate information could potentially adversely impact my creditworthiness and cause confusion in any financial transactions I may initiate. 

Enclosed with this letter are copies of my identification documents ( e.g., drivers license, utility bill ) and a copy of my credit report with the erroneous address highlighted for your reference. 

I kindly request that the CFPB initiate the necessary investigation and resolution of this error. Please provide me with an update on the actions taken to address this matter. 

Thank you for your prompt attention to this matter. I eagerly anticipate your response and the timely resolution of this issue.
Product: Credit reporting

We originally had a loan in about XXXX with XXXX, due to the economic condition at that time, we were unable to maintain the loan. The loan subsequently fell behind and was in a charge off status in XXXX. The loan subsequently transferred hands to various different lenders, XXXX lender was XXXX which reported the XXXX XXXX on out credit as a charge off. This particular loan was then bought and transferred to XXXX XXXX in XXXX, i may add the loan was bought in a charged off status. Earlier this year XXXX XXXX, XXXX XXXX finally decided to charge off the loan again. I contacted the credit bureau on more than XXXX occasion as well as made contact with XXXX XXXX. I explained to them the debt was charged off XXXX and should have been removed from our credit report about XXXX. The only response from Equifax is that they confirmed the debt was mine, they put a current charge off on my credit report and put the charge off on my wifes credit for about 6 years ago. I believe this is an attempt for XXXX XXXX to re-age this old debt in an attempt to keep it on my credit report longer than the statutory 7 years. When XXXX XXXX charged off the debt in XXXX, that should have been an internal process not one that should still affect me the consumer. 
I am not sure if my complaint should be against the Credit Bureau because they are not holding XXXX XXXX to any standards too report correct information or if my complaint should be against XXXX XXXX. Either way, I have no other options but to contact your Agency to determine if you can help us and what is the path to an amicable solution. 
Thank you for any assistance you may be able to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX  account XXXX XXXX acct # XXXX 30 day late payment, XXXX acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  # XXXX 30 60 90 day late, XXXX XXXX acct # XXXX 120 day late payment, XXXX XXXX acct # XXXX 120 day late payment, XXXX XXXX # XXXX 30 day late payment, XXXX XXXXv acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX fXXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # acct # XXXX, original acct # XXXX, XXXX XXXX XXXX XXXXt # XXXX, XXXX XXXX XXXX acct # XXXX Late payment, self/lead latepayment, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I am writing to formally lodge a complaint against Aspire Financial for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that Aspire Financial has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy. 

Relevant Law : 15 U.S.C. 6802 ( b ) - " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. Aspire Financial did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

Aspire Financial has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ). 

Lack of XXXX XXXX : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties. Additionally, I never received my forms to opt out. This opportunity should have been clear and conspicuous, and it was not. Signing a contract that states the company " may '' report does not suffice under this law. 

I request that Aspire Financial cease the unauthorized sharing of my information immediately and take corrective actions to rectify the negative impact on my credit report. I also request written confirmation that my complaint has been received and is being addressed. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
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 XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX AT 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 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: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) Specially Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss, & i seek appropriate redress for these violations thank you
Product: Checking or savings account

I was supposed to had gotten paid XX/XX/2024. So I waited until XXXX  XX/XX/XXXX and I still did not see anything in my account. I had contacted the bank twice and they still can't figure out where my money is. I've contacted my PM, and HR, and they both said my paycheck was sent with no problem, and to contact the bank to see if they are holding it. I told them this twice, and the automated text keeps sending me the same thing, saying make sure my PM or HR sent it. They sent it, and now my paycheck is in limbo. My bank said that they would figure out what's going on but for the past two days, I have no answer and it's extremely frustrating because I have bills to pay, and I have children to feed. This is a BIG inconvenience for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/16 - I was scammed by XXXX XXXX. I filed a complaint with the Federal Trade Commission. The FTC and the State of Florida has halted the company at this point and filed a lawsuit. Please see attached link and documentation. 

https : //www.ftc.gov/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX have unauthorized inquires and an account present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies have to block and remove inquiries related to identity theft. Unauthorized inquiries and account are as followed. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX/XXXX  XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

JPMORGAN CHASE BANK. ATM CARD DELIVERY. HELLO GOOD DAY. 

I am XXXX XXXX XXXX. XXXX of the JPMorgan Chase Bank & Co. 
I am emailing you now to inform you that your email Address has been found on the scam victims, I wishes to inform you that you have been compensated with ATM CARD value of ( {$13.00} XXXX dollars ) because your email was found on our system, and you are among the scam victims. 

Your total compensation fund is ( {$13.00} XXXX dollars ) ATM CARD will be paid through our registered government approved delivery which is also legally approved by High Court of Justice for the immediate delivery of your ATM CARD to you.

so therefore kindly submit below required information for the immediate delivery of your ATM CARD.

Once again send us your full info : ( 1 ) Full Name ... ... .....

( 2 ) Mobile Number ... ....

( 3 ) Direct Telephone Number ... ....

( 4 ) Country Of Origin ... ....

( 5 ) Your Current Delivery Address ... ......

( 6 ) Occupation ... ... ....

( 7 ) City ... ... ... ....

( 8 ) Nearest Airport ... ...... 

NOTE : once you respond back with your information I shall submit them to JPMorgan Chase Bank for immediate delivery of your approved ATM CARD. 
Kindly respond back with your full information to enable me submit them to the banking department for processing of the ATM CARD delivery. 
Kindly urgently reply to me back with your personal information as listed to enable me submit them to the banking department for processing of your payment through delivery. 

Thanks I wait for your response soon. 

Thanks yours In service XXXX XXXX XXXX.
Product: Credit card

I've consistently made timely payments on this account, never letting them become overdue. I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Vehicle loan or lease

Two events which leads to credit scoring and auto payments impacts. : I believe that I am a consumer targeted in unfair practice by XXXX and its auto lender Exeter Finance. In XXXX  I purchased a XXXX XXXX XXXX  used from XXXX. Due to the urgency of the need of the car to get to work and having very little downpayment cash, XXXX offered a {$2000.00} trade in on my vehicle that was performing badly- towards the cost {$24000.00} purchase. During the XXXX hour, I was faced with signing for a 9 % interest rate. Things snowballed from there when a year later the pandemic hit. I contact Exeter about possible moving 2 payments to the end of the loan, however Exeter customer service would just ask me to update my account information and if ai had any relatives to pay the bill. Since covid, I was XXXX XXXX XXXX and had income cut in half. As I pay the monthly bill, I am still 2-3 months behind and with {$16000.00} left on the loan and I get up to 4 calls per day about the arrears although the company is aware of my stressed and stretched income statue the company will not make any concessions. These 2 events has aided to my credit score Constantine dropping. I live in fear everyday of my car being repossessed and the company lack of assistance. 
Thank you
Product: Credit card

I have ( 4 ) credit cards myself, and three auth. users. One person misplaced there card and in order to get a new one I am told 4 cards would need to be shipped only regular mail 10 days. 
I dont do much business with synchrony Bank XXXX and we use this card for my XXXX  bill and all supermarkets. I dont want to loose out on the 4 % rebate so the only choice is not to request a new card as when I asked if you could overnight, the response is you dont do that. I have been in the financial industry for over thirty years and we will share our cards until the expiration date and new cards are sent. 

I spoke with some people from XXXX, XXXX XXXX XXXXXXXX and they said that they have no problems sending cards overnight. Yes It does cost mailing fees. 

Can they just produce one for XXXX XXXX as a damaged card then all of the cards are not effected. I have XXXX child out of state at XXXX who uses this card so we are not closing the misplaced card that is probably in the house.
Product: Debt collection

Received a bill for {$210.00}. Apparently someone has purchased a bunch of perfume under my name. It was not me. I called the company and they said I need to file a fraud complaint with you.
Product: Debt collection

I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB MANAGMENT SERVICES XXXX XXXX XXXX XXXX PA XXXX My Account was closed by XXXX XXXX XXXX XXXX then reopened with NCB management, My payment history is incorrect, therefore damaging my credit score