23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Trying to collect the debt that I don't owe. And reporting late payments to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX To Whom it May Concern My Identity has been stolen from XXXX of XXXX till Spring of XXXX. I was currently living in XXXX California at the address stated above. 

I have a couple reasons to back up my claims this is an identity theft fraud : 1. There have been MULTIPLE frauds Ive had to overturn on my account since XXXX of XXXX. 
2. I reived a letter from XXXX XXXX that my data had been stolen, including my social security number. The theives have used my old address XXXX XXXX XXXX XXXX, XXXX CA XXXX which I have not lived at since XXXX of XXXX. You will see my original application, lease agreement, and notice to vacate attached to this document. 
2. There are major holes in their claims because they used an old address that I no longer use. It just happens to be on my driver 's license still which I have NOT updated since I moved in XXXX of XXXX. 
3. What's more? They took out these lines of credit in these apartment buildings states Ive never been to and places Ive never been to. 
5. Ive created a credit fraud alert to the credit bureau and I have frozen my credit. 

THESE ARE THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX {$1500.00} XXXX XXXX AMOUNT UNKNOWN Ive attached all the copies of police report, notice to vacate the XXXX address, income statements mailed to XXXX address stated above ( I rent so I do not pay utilities personally ), copy of my drivers license which has not been updated since I moved out of XXXX ( primarily because of COVID and I havent gotten around to it. ), and the signatures of the cop who filed my police report. 

Please let me know if I can assist you in this matter further. I had a near perfect credit score before this ( almost an XXXX ) and I would very much like my credit score to be reinstated to its rightful score and have these fraud claims overturned. 

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

Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX SB partial account number XXXX. ( Please see page 12 of the attached credit report. ) I have suffered from short term XXXX XXXX due to an XXXX during combat and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Debt collection

XXXX XXXX put XXXX on hold and then XXXX and then another XXXX then XXXX and I called to find out why and they said I was sued by a debt collector and I called a debt collector and they told me that the debt was from XXXX and they also told me that that was from XXXX and I dont owe them anything I dont know what they are talking about the lawyer secretary said I have to prove to them that I dont owe the debt and I told her she has to prove to me that I owe them the debt they said they was going to send something but still have not and still holding my money they said the debt was XXXX and then one time they say XXXX. I dont know what they talking about. I have the time and date of the conversations we spoke. I need some help.
Product: Credit card or prepaid card

In XX/XX/2018 I did a payment to the IRS with my Credit Card for an amount of {$3400.00}. This payment appears in the IRS records, but it indicates it was reversed the same day. The money was credited to my account on XX/XX/2018. However, the money was taken away from my account again on XX/XX/2018. My bank ( Bank of America ) states that this transaction did go through, and the payment should be with the IRS - yet, the IRS does not have a record of this last payment ( made on XX/XX/XXXX. ) BoA is refusing to look further into the matter, saying that the payment was made, there is nothing else they can do - however, the IRS has issued me a transcript indicating this payment was never made. 
Bank Statements from BoA and an Account Transcript by the IRS have been provided. BoA refuses to acknowledge that the payment never got to where it was supposed to go.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXXXXXX XXXX  XXXX XXXX XXXX : {$0.00}
Product: Debt collection

I have never signed a contract or entered into a legal agreement with your company or firm. No information has been sent to me and nothing has been proven that neither the information you many have or the debt belongs to XXXX XXXX. Your company has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. This is to serve as your legal notice under federal law ( The Fair Debt Collection Practices Act ) to cease all communication with me in reference to the account above. I do not have an account with your company nor have I ever has an account with any company you claim to represent. Remove this account upon receipt or I will file suite against officers of your company and your company within 5 days.
Product: Debt collection

This debt was disputed on XXXX/XXXX/16 via email. A response was not received for the dispute. 

Moreover, debt collector sent two harassing emails within 2 hours. Debt collector first called my phone XXXX XX/XX/XXXX at XXXX from XXXX leaving a voicemail but sent no other correspondence. 
The debt collector has tried to make the communication sent on XXXX/XXXX/16 looks like it is a law firm and threatens to charge interest, late charges and other charges.
Product: Payday loan, title loan, or personal loan

I got notice to vacate the house I was renting because the owner was selling. I had 30 days to find a place and move. I didn't have the money for a security deposit or for moving. I was scared to death. I decided to take out a small loan so that I would not wind up homeless. I got an email from MitigCapital offering me a loan. I called them in tears and explained my situation. They offered me {$970.00}. They did not tell me that I would be paying it back @ {$290.00} every other week for 18 payments. That the interest was 643.71 % or that I would be paying {$4300.00} in finance charges. I would NEVER EVER have agreed to this. I signed the loan documents without first taking the time to read the fine print. That was my mistake I know. I am XXXX years old, single, in poor health and can not see to read without my glasses And I could not find my glasses and did not want to tell them to wait in case they changed their mind. I called today because they had taken out a payment 2 weeks ago and today another. That's when I found out they would be taking {$290.00} from my account every payday for18 payments. I can not possibly pay this. It will leave me with no money for food, rent etc. I live on a shoestring as it is. I explained this to the woman and she said " you should have read the loan documents. You signed them and that's just the way it is ''. I don't know what to do now. I am considering quitting my job, closing my bank account and going homeless so they can't find me. I am terrified. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised and I reported the following errors on my credit report to experian for review. 

I submitted a dispute to Experian. Experian processed the dispute and confirmed the following items should be removed but failed to removed the items from my credit report. 

I did not submit an application or initiate a inquiry and I am requesting that the inquiry be removed. 

XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry XX/XX/XXXX US SM Bus Admin ODA Inquiry XX/XX/XXXX Please remove the following inquires as I did not inmate an inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my XXXX credit report had been made by XXXX ( credit union ), XXXX XXXX XXXX XXXX ( finance/personal ), and XXXX XXXX XXXX ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service that a request for my XXXX  credit report had also been made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. On XX/XX/XXXX and XXXX, 2019, respectively, I received letters from XXXX XXXX XXXX ( SageStream LLC and XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from XXXX XXXX XXXX XXXX stated that " the only addition to your credit report will be an inquiry from us. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted the credit equifax transunion and experian to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX OF Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

A relative ( in law ) received a call from " XXXX '' a representative of Asset Recovery Solutions at her residence on X/XX/16. I am in no way connected to this in law in regards to any form of credit, bank loans, etc. I have never used her personal information for any reason. " XXXX '' or any representative of Asset Recovery Solutions should have not pulled my in laws information from public records to use it to collect any debt they are not legally tied to. " XXXX '' also tried to coerce my in law who is a senior citizen in advanced age to go into her phone to retrieve contact information to reach me about a " job ''.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M SUBMITTING ANOTHER COMPLIANT BECAUSE THERE ARE STILL ACCOUNTS SHOWING ON MY CONSUMER REPORT THAT I DID NOT AUTHORIZE.
Product: Credit reporting or other personal consumer reports

I sent a request to the companies asking to provide my written authorization to report my personal and private information and to withdraw all authorizations per 15 USC 6802. i have uploaded the document that sent to them.
Product: Credit card or prepaid card

I have called several times to get my US Bank Reliacard activated and the company will not activate my card. They asked me to upload a picture of my drivers license and a selfie of me at verify.usbank.com/retail and I did that. I called and waited on hold for hours and the representative said they can't help me. There is nothing they can do. The card is locked and she didn't know how to help. I asked to speak to a supervisor. The supervisor said she couldn't see any of my information and we had to upload the drivers license and picture ( selfie ) again and wait another 7 to 10 business days. I have called at least 20 times to US Bank Reliacard to get a new card and activate it. I finally received the card months later and now I can't activate the card and they keep saying they can't help me. What am I supposed to do? I need to pay my bills! Thank you for your assistance  in this matter. The customer service phone number that I have been  calling is XXXX or I have also been trying to activate the card using the website listed on my mail. www.usbankreliacard.com
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows a drop in my credit score from XXXX XXXX, XXXX through XXXX XXXX of 31 points without any explanation. In the past I 've been able to review if any credit applied for or other activity that would cause a decrease or increase in my score. I call Equifax and they sent a summary, but did n't address the reason for the drop in points. XXXX later drop my score XXXX XXXX, through XXXX, XXXX XXXX points without any explanation through credit karma. I just want to know what cause my score to be effected.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Michigan Laws Dear ONEMAIN, I am writing to address the unauthorized reporting of information to my credit report, which violates the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, your actions infringe on Michigan 's identity theft and consumer protection laws, including the Michigan Identity Theft Protection Act ( MCL XXXX ) and the Michigan Consumer Protection Act ( XXXX  XXXX ). 

It has come to my attention that ONEMAIN has reported information to my credit report without my explicit consent. The FCRA mandates that consumer consent is a prerequisite for any such reporting, as outlined in Section XXXX ( a ) ( XXXX ). Michigan law further underscores the importance of safeguarding consumer rights and prohibits unauthorized use or disclosure of personal information under the Identity Theft Protection Act ( XXXX  XXXX ). 

I assert unequivocally that I have not provided consent for ONEMAIN to report any information to my credit report. This lack of authorization constitutes a violation of my rights, exposes me to potential harm, and demonstrates a disregard for federal and Michigan laws. 

In addition to the federal FCRA provisions, Michigan law imposes specific requirements on entities handling consumer information. Under XXXX  XXXX, any unauthorized use or disclosure of personal information must be promptly corrected, and affected individuals must be notified. XXXX  unauthorized reporting may also constitute unfair trade practices under the Michigan Consumer Protection Act, XXXX XXXX ( XXXX ). 

I demand that ONEMAIN immediately cease reporting any information to my credit report without obtaining my explicit consent, as required by federal and Michigan law. You are further required to remove any unauthorized entries from my credit report and provide written confirmation of this action within 30 days of this notice. Failure to comply will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Michigan Attorney General 's Office, and pursuing legal remedies under applicable laws. 

This demand is not negotiable but a legal obligation under the FCRA and Michigan state law. I urge you to address this matter promptly to avoid further legal consequences. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I thought I had resolved a disputed debt with XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, who had submitted this alleged debt to Professional Finance Co. back XXXX XXXX XXXX. I also had an attorney substantiate that I did not owe this debt, that it was illegal and in violation of CO. REV. STATUES. and to cease and desist from further reporting and collection of this alleged debt. I heard nothing further back from Professional Finance or XXXX, nor did they report this debt to any credit bureaus. Then in XXXX XXXX I got an email from XXXX XXXX that my credit score had changed due to an account in collections reported by Professional Finance Co. for the same alleged debt as above. I immediately disputed this debt with XXXX XXXX, that I did not owe this and that to my knowledge this was resolved that I did not owe this. I also included my attorney 's previous letter that showed that this debt was illegal and in violation of Colorado Law. XXXX XXXX reported on XX/XX/XXXX that they resolved my dispute. I repeatedly tried to see the results on their website but it was not working, it stated due to technical difficulties site not working. I tried for 2 wks and it always stated not working, so I called XXXX XXXX on XX/XX/XXXX. I called and was put on a long hold, transferred and hung up on, I called back several times and was finally given the information they denied my dispute, and I was given the phone number for dispute dept. So I called again on XX/XX/XXXX to Dispute Dept. and after I explained their website was not working and wanted to have more information as to why my dispute was denied, they hung up on me again. Today, XX/XX/XXXX, I tried to add a statement to the illegally reported debt as XXXX XXXX states you can do, but that was not working today as well. I called the XXXX XXXX, spoke with " XXXX '', explained my concerns and after I did, he just disappeared and hung up on me again! This is ridiculous!! XXXX XXXX is reporting an illegal debt against me, they also make it impossible to resolve issues as their website is down for weeks at a time with technical difficulties, then if you call they put you on hold for long periods of time, then repeatedly hang up on you. They state you can make statements as to your account but make it unavailable, then they hang up on you when you call for help.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received you product, on XX/XX/XXXX I sent in the Cancellation Notice via US mail. I also sent an email to the finance company to let them know the Cancellation Notice was sent as well on XX/XX/XXXX. I tried calling the number on the notice XXXX as well as XXXX but these numbers just rang and rang. I emailed the office as well on the XXXX day since I heard nothing from anyone, I finally got a response but just to be told there was nothing they could do. 
I even sent a letter to XXXX 's corporate office and have not heard anything back. 
Attached please find the correspondence. I do not want this contract and did everything I was supposed to do per the contract. 
Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : XXXX. The method used to verify the accuracy of this charge-off. 
2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  || Date of inquiry : XX/XX/2022