23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PALM BEACH CREDIT AD Opened XXXX {$150.00} ________________________________________ PALM BEACH CREDIT AD Opened XXXX {$500.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PALM BEACH CREDIT AD Opened XXXX {$150.00} ________________________________________ PALM BEACH CREDIT AD Opened XXXX {$500.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/ there was some inaccurate information report on my open accounts that is stated I was late and a remark comments that are inaccurate and this Inquiries had been made
Product: Checking or savings account

Company : JPMorgan Chase Bank , N.A . 
Amount : around {$470.00} Date : XXXX On XX/XX/XXXX, when I was trying to send money through XXXX to my friend, XXXX indicated that a problem had occurred and asked me to contact Chase customer service. After contacting Chase customer service, they told me that my account had been closed and they will be reviewed it for ten business days and then send me the check for the remaining balance. I have waited for more than a month, but they never sent me the check and kept saying that my account needed to be under-reviewed by the risk department and the time of reviewing is indefinite. It was totally unfair to me. I don't involve any fraud or suspicious activities ; they just closed my account for no reason. And Chase even did not provide any letter to inform me their action. Since I am an XXXX XXXX  and lost my credit card from my parents, I have been borrowing money from my friends for a month. I urgently need this check from Chase, and I can not wait till XXXX. I will leave the United States on XX/XX/XXXX. And are they going to give me a check after I leave the country? How can I get the money? There's no way Chase will pay for my flight to the United States. This action from JPMorgan Chase Bank is really disappointing and disrupting my life.
Product: Credit card

I opened a business account for a restaurant/food service establishment and created a XXXX page to run ads for it on. The restaurant closed in XXXX of XXXX and I stopped logging into it and stopped all ads. 
On XX/XX/2024 at XXXXXXXX XXXX while I was sleeping, my account was accessed without my authorization and ads were run for XXXXXXXX XXXX XXXXXXXX by an unauthorized party. 
XXXX automatically restricted and disabled my account on their own due to suspicious activity, which is an admission that the ads run were not by me, but they left the balance for the ads on my account. 
Fast forward to XX/XX/2024. I started a completely new business, separate XXXX numbers, and separate XXXX XXXX XXXX started a new XXXX XXXX completely unrelated to the old business. I added my new credit card to the new account to run ads for the new business. Upon trying to run ad 's I discovered the balance and the old unauthorized ad 's as well as the XXXXXXXX XXXX account. My new credit card was then charged for the old balance of unauthorized charges for {$900.00} on XX/XX/2024 at XXXX XXXX I did not authorize the ads that were run, and I did not authorize XXXX to charge my new card or link it to the old business. 

I have filed 2 disputes with US Bank which were both denied, and have contacted XXXX XXXX 5 times and been given no answers. Each time they claim to " escalate '' the case but whenever I go back to speak with someone they have no notes or idea of any case or escalation. I have received no help from XXXX XXXX US Bank to get this charge off my account for over 2.5 months now.
Product: Debt collection

I get calls every single day, sometimes 4-5 times per day. It is a debt I owe, but I am making payments on monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXXth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

they changed my pin and password to my account and refuse to give me money. i call, they laugh in my face, then they hang up.
Product: Credit card

I signed up for an XXXX Gold Rewards Card XX/XX/XXXX and promptly met the minimum spend requirement of {$1000.00}. The offer from XXXX was XXXX MR points upon completing the spend. These points have always been credited within 5 business days of meeting the spend and I 've yet to see them hit the account. Nobody at XXXX is helping me get the points into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem does not really fit any of the previous categories. I have had an EXCELLENT credit rating for decades. TransUnion decided to drop by score more than 110 points based on their perception of my available credit and cash.

1. I pay off all my credit card balances in full every month, with one exception 2. I have an {$30000.00} 18-month no interest platinum card with XXXX. I have been using that as a credit line for my new business. The minimum payments are made every month. And some months, I pay it down from $ XXXX. 
3. They decided that my % of balance to available credit was too high. I have no incentive to pay off a 0 % interest credit card until the interest begins in XXXX. We will be paying it off in full in XXXX, so we don't incur interest. This makes great business sense, but who knew utilizing your great credit score to obtain money, could ruin your credit score!

4. I have had a no limit credit card with XXXX XXXX, since the late XXXX 's and can easily borrow {$100000.00} from them today. So my credit balance to available credit is quite low and not high, like they perceive. 
5. I have worked hard all my life. My net worth is well over a XXXX dollars. My husband and I have almost a XXXX  XXXX with XXXX XXXX, including {$45000.00} in a money market that can be used to pay any credit card or emergency. We own close to XXXX XXXX in property, including our waterfront home and waterfront business, free and clear. 
6. I have tried contacting them. I called today. It just said Press 1 for English and 2 for Spanish, 3 times and then said sorry you are having difficulties. Call back later. I pressed 1 for English all 3 times and it would not connect. 
7. I tried reaching out online and now I'm getting a solicitation today to sign up for their credit monitoring, which of course, they want me to pay for. 
8. I'm a senior citizen and feel like I am being discriminated against because of my age. They have decided after all these years of great credit, I'm a high financial risk. That is ridiculous. 
Any help to restore my credit score would be greatly appreciated.
Product: Debt collection

I am behind on my loan payments to One Main Financial. They are illegally calling my family members. 
They have called my mother in law twice. They talked to her once about my debt and then left a message the second time. 
Then today they called my father in law and left a message. 
The person making these calls is XXXX XXXX from One Main Financial Office in XXXX, TX XXXX I have not given them permission to contact my family! I told them on the phone I am currently unemployed and not able to make any payments at the moment. 

XXXX XXXX.
Product: Mortgage

I am in the process of selling the home that I originally financed in XX/XX/XXXX under Guaranteed Rate. The servicing rights have changed hands twice ( Shellpoint then New Rez ). In XX/XX/XXXX, I refinanced for a small payout to make some final repairs so that I could be ready to sell this fall. The payoff documentation to discharge the original mortgage has not been filed with the Town of XXXX XXXX so, as part of the closing process, my attorney has been trying to get the document faxed to his office ( for about 2 weeks ). It is now 3 days before my closing and we still do not have the document. I tried calling New Rez and have been told part of the loan release process was not completed and they will " let me know '' when they can have it done. This could delay or disrupt my closing and cost me nearly {$80000.00} in proceeds. Not to mention, my buyer has already sold her house and needs to move in.
Product: Bank account or service

I have a chase account which is being charged {$35.00} a day, I am in the minus today XXXX/XXXX/15 over XXXX XXXX dollars. My account number is XXXX, I have been a customer for just three months. I am really concerned about this, I read all of the information and the lawsuits with this bank. I would appreciate customer service calling me and waiving these fees! I would love to stay a customer with this bank and I would make sure not to use it on a daily basis. What is the protocol with my overdraft protection, what rights do I have?
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that does not belong to me and i want them to be remove from my credit report. 

1. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

2. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

3. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Payday loan, title loan, personal loan, or advance loan

To be clear, I've never applied for a loan through Affirm for any loan amount at any time. On XX/XX/XXXX, I received an email from XXXX XXXX that an installment payment plan was setup to purchase three toy keyboards from a company XXXX XXXX for a total of {$3800.00} for three toy keyboards each roughly priced around {$1300.00} each. Within hours, I reached out to Affirm, who I've never had a loan or account with, to let them know that I did not make a purchase, and I did not apply for a loan and that the loan request was a scam. This was discussed with a customer representative who assured me that it would be handled, and the unauthorized activity had been noted. To my surprise, I received a follow up email from Affirm XXXX stating that I would be responsible for the loan. Affirm is aware of the fraudulent activity and insists that I make payments, which will not happen. Please contact me regarding this consumer abuse and misuse of the credit system, especially since my identity was not verified before creating a loan plan almost totaling {$4000.00}. Also, it seems that the company XXXX XXXX store who is selling the fake {$1300.00} toy keyboard items has disappeared from XXXX XXXX where the transaction seemingly occurred.
Product: Checking or savings account

On XX/XX/year> i deposited my quarterly bonus check.They printed me a receipt saying. 
On XX/XX/year> {$5000.00} available and on XX/XX/year> the rest available.Its now XX/XX/year> and recieved a letter stating no funds available until XXXX i recieved my paycheck in mean time and spent based on availablity of funds. 
which was on a printed slip.No mention anywhere about a signature being irregular. 
The owner sighned check in front of me and was waiting today to see what the issue was. 
Very unprofessional and treated me like i was stupid.I run a company with XXXX employees i get how business works.Buying a car for my daughter with new baby.Now super hot out no ac in her car.Very sad thank you for your time.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : EXPERIANXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2023 I sent a letter to Experian to update my personal information. I then received letter back from them on XX/XX/2023 stating they weren't sure if I was the one submitting to claim, so them I responded to their letter and provided their letter verifying it was in fact me requesting the update of my personal information. On XX/XX/2023 i then received the same exact stall letter once again denying to update my information. I submitted proof of identity as well as the original letter they submitted to me. This to me is another stall tactic for them to not move forward with my updates and reports which is against the FCRA. I have sent them 2 letters within timely manner for the updates which they still refuse to update.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cell # XXXXXXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information in Credit Report Dear Equifax I am writing to dispute the following information in my credit report. I have reviewed my credit report and found that it contains inaccurate information regarding a collection/charge-off account. I am requesting that this information be removed under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681s-2, and 15 U.S. Code 1681i ( a ) ( 5 ). Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Reason for Dispute : The information reported is inaccurate and does not comply with the requirements set forth in the FCRA. According to 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. Additionally, 15 U.S. Code 1681s-2 ( a ) outlines the responsibilities of furnishers of information to provide accurate information. Furthermore, 15 U.S. Code 1681i ( a ) ( 5 ) requires the deletion or modification of information that can not be verified. I have enclosed copies of the following documents to support my dispute : copy of your credit report page with the disputed item. 
Please conduct a thorough investigation of this matter and remove the inaccurate information from my credit report. I request that you provide me with a written statement confirming the deletion or correction of this information. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX : CFBP, Equifax Information Services, XXXX 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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX, NC XXXX Collecons : XXXX XXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXX  Inquiry : XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Employers : XXXX XXXX  XXXX XXXX XXXX XXXX 

Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX, NC XXXX Collecons : XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter in reference to my previous dispute XXXX, submitted to your agency on XXXX XXXX XXXXXX/XX/year>. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX got something on my credit report that don't suppose to be there {$170.00} I don't know anything about this the address is XXXX XXXX XXXX XXXX XXXX, UT XXXX //// THEN ITS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SAY I OWE THEM {$3700.00} I don't know anything about this .//// And XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX day I own them its crazy I don't owe know them nothing {$2300.00} I think they say I need off my report asap and the wrong names and addresses