23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear XXXX XXXX / XXXX ; Cfpb : I never had any account with XXXX nor its affiliate companies with alleged balance of {$230.00}???!!! I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : XXXX : Harassment or abuse in connection with debt collection. 
XXXX : Use of false, deceptive, or misleading representations. 
XXXX ( b ) : Failure to properly disclose my rights. 
XXXX : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX credit card ending in XXXX and one other was paid off in full then on XX/XX/XXXX new charges started showing up on this credit card. I sent Sychrony Bank a letter that I never reopened this credit card and this was ID Theft. Then in XXXX I started to get collection letters and phone calls trying to collect on this credit card first by Resurgent and at the same time by XXXX XXXX XXXX and XXXX Funding. I sent them the payoff letter and the ID Theft letter. All they sent back was a copy of an invoice that was four years old and had an address on it that I had not lived at for seven years. I even requested from them under the FTC guild lines of ID Theft to provide the required information. They never did reply. I also asked them to remove this information on me from the credit report companies that they had reported this to, they refused. Then on XX/XX/XXXX XXXX XXXX hired XXXX XXXX XXXX XXXX XXXX to file a claim in small claims court. Again I asked XXXX XXXX to provide the requested information under the FTC ID Theft guild lines. XXXX XXXX refused. We went back and forth in court paper work then in XXXX of XXXX XXXX XXXX by XXXX XXXX request that this case in small claims to be Dismissed and the court did a dismissal order. Again I asked them to have this information on me removed from the credit report companies that this had been reported this to, they refused. The court requested the same information that I did and they could not provide it. This was a fraudulent law suit knowing that they had no proof to back up their case and this was ID Theft from the start. In XXXX XXXX, XXXX, XXXX XXXX and XXXX all had data breach. XXXX bank was the company that issued the credit cards for these companies.
Product: Credit reporting or other personal consumer reports

They have many errands including two SSN # on my account which has been detrimental to my financial health credit and living arrangements I can't get any help I need or want.

places homes cars nothing because of their carelessness me and my kids have been homeless for over 9 months trying to deal the situation I do plan to seek legal advice
Product: Checking or savings account

Bank of America takes over 1 hour to answer a customer service call. Bank of America put a 7 day hold on a deposited check. They refuse to address the issue by saying they have no power to address the issue and long unjust hold. Bank of America also lied on release hold date from receipt issue at branch compare to online info.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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  XXXX   XXXX  i visited  XXXX   XXXX  in  XXXX  Nc. I expressed to salesman i did not want multiple pulling of my report. Well it was pulled a total  of   XXXX   times. Which drastically lowered my credit score ! Reading FCRA it states automobile inqiries within a 14 day period shall count as  1.   XXXX , TransUnion and   XXXX   are all reporting each individual inquiry, which in turn harmed m y credit score. I ha ve already filed complaint against the dealership for going against my wishes. The time between  XXXX   XXXX  to  XXXX   XXXX  my credit was continuosly requested. My complaint is the Credit Bureaus are reporting in error according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed on XX/XX/XXXX both by phone and filed on line with XXXX. Reporting that my loan with XXXX XXXX XXXX XXXX was incorrect. XXXX has not shown a payment since XX/XX/XXXX. The 1st excuse in improper credit reporting was XXXX XXXX not reporting. 2nd excuse It takes XXXX 90 days to show credit payments. It is now XX/XX/XXXX and I have not received a correction of result.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 I learned that millions of customers of Equifax had their data compromised in a security breach. I checked on Equifax 's website and it was confirmed that I was among one of the victims. While I understand that Equifax is also a victim in this attack, they are requiring their customers, such as myself, to manually file fraud alerts and credit checks. Equifax should be doing more to take care of this issue for every single one of their customers. Additionally, the fact that a major company that is involved with countless amounts of sensitive data is not prepared for an attack like this is unacceptable. Now my personal information is available to attackers and I have bear the burden of an increased chance of identity theft for some time to come.
Product: Debt collection

On XX/XX/XXXX I received a letter from Synergetic Communication Inc stating they were collecting a pay day advance loan. After speaking with the representative and informing them that this was a fraudulent activity the following additional details were provided. 

This payday advance was taken XX/XX/XXXX XXXX first time I have heard about this ) from " XXXX XXXX ''. The note was subsequently sold to XXXX XXXX XXXX who then contracted Synergetic Communication. 

The dispute has been initiated and I firmly stand by my claim that this is a fraudulent loan taken by another individual. It is worth noting while speaking to the rep from Synergetic, that the date of birth provided by previous companies was inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX CHInquiry XXXX XXXXIInquiry XXXX XXXXInquiry XXXXINInquiry XXXX XXXX IInquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX  XXXX  - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Debt collection

This debt is so old it is way past the statute of limitations. I have not had a XXXX phone for more than 5 years and ERC is trying to collect on the debt. I have no other records of last payment bu I know it was more than 5 years.
Product: Money transfer, virtual currency, or money service

I lost my wallet and cell phone at the beginning of XXXX. They are attached to each other, so I didn't realize that unauthorized transactions were being made on my Cash App account until I saw a large amount of funds had been removed. I immediately contacted Cash App, but they have not provided me with any satisfactory answers or assistance in resolving this issue.. 

I rarely used cash app and beleive the last time I used it was XXXX!! since I was refused help back then by cash app for buying a product from XXXX market and got scammed.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a call from XXXX representative saying that I have a balance of {$520.00} for XXXX XXXX in XXXX, TX. I explained the rep that this is not the first time receiving these phone calls and it's a fraud. They have also sent me a letter for me to dispute the charges. I have also received another letter from Penn Credit dated XX/XX/XXXX, with debt of {$530.00}. That is also not my bill and is a fraud. I have checked my credit report and found address that don't belong to me as well as two debt collections for accounts that have been opened fraudulently. I have disputed those accounts in my credit report and have placed a fraud alert on my credit because I have been a victim of identity theft. I have never lived in XXXX, Texas nor on other addresses that the credits bureaus was showing which I requested to be deleted. I am not sure how these companies allow somebody to open electrical accounts without checking first. My phone number nor my address of residence has changed. So far I have seen three electrical bills for the same time frame, when my house is in XXXX, Texas and I get my electrical bill from my house every month.
Product: Debt collection

I WAS A VICTIM OF IDENTITY THEFT, XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt is an old debt back from XX/XX/XXXX that I have been harassed by primus financial for. I currently have a modification saying that I owe XXXX that was dated XX/XX/XXXX. They garnished {$60.00} from me on XX/XX/XXXX. On XX/XX/XXXX they took {$370.00} out of an account that was not mine. I am a signer on someone elses account and they took money out of their account, and my savings and checking. They left all accounts with a zero balance. The person whos account they took from is not my spouse and it is not their debt.
Product: Checking or savings account

On XXXX XXXX I receive a phone call a person saying that is he representative of the XXXX talking in XXXXHe said under my phone number there is another phone number linked to my current phone number sending advertising and commercial to other users. If I dont fix it now they going to abandon my phone number. If I want to delete that phone number I need a report from the police. He said regarding that phone number is created in XXXX XXXX XXXX  so I need to XXXX local police department. Because I dont have their phone. As the result the XXXX representative said he can help me transfer there. By there the policeman ask my passport and said I went into big troubles I need to send them XXXX dollars and XXXX or XXXX weeks later I need to send another XXXX. Before the XXXX, they promised me that they will return those money back to my account. When I trying to contact them they never response me and block me ; I realize that I got XXXX XX/XX/23 I called Chase Bank and report that I got scam from my personal checking account and the Bank help me to filed in a claim. Asking me a lot of question and told me to wait if the money could be refunded or not. On the XX/XX/23 I went in person to the bank they provided me a claim number, the claim phone number, and wire recall number. The XXXX of representatives of Chase told me wait few days to call the number. Today XX/XX/23 I call them in the afternoon regarding my claim. Again they ask me the exactly questions afterward the resolution they give me is that they couldnt give me refunded from XXXX transactions because it through the wire transfer. Later, they ask they are going to the ask that bank, the money I transfer to, for any money were leftover or recover or even both.
Product: Payday loan, title loan, or personal loan

In XXXX I opened a loan under loan ID : XXXX I made all my payments on time and about a month ago I got a message that I qualified for a new loan. I went online to apply and I was declined, then I received a letter stating I was declined because I had a current loan. 
If this is the case, I should not have been told I qualified yet to re-apply. On XXXX the XX/XX/XXXX I called to pay of my current loan early, at that time I was told if I pay it off over the phone and want a new loan, I will have to wait 7 days. I was okay with that.
However, now I am being told I have to wait 90 days because I applied and declined, but that was because I was told I qualified right then. If I had known, I had to wait 90 days I would have just let the payments continue instead of paying it off early.
I feel this is mis-information that now cost me a chance to get a new loan. I like the rates and company so I really wanted to get and can use another loan to help with bills. I just do n't understand why they told me I qualified when I did not and now because of that,
I am being told to wait 90 days after I was told 7 on the phone
Product: Credit reporting or other personal consumer reports

This account was reported without my knowledge, and theyre presenting a misleading view of my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the time period my student loans became past due, I had been experiencing some inconsistencies/glitches with the AES website that made it unclear what payment was due. I had made attempts to log on between XX/XX/XXXX and XX/XX/XXXX and at times the website showed that either a zero balance was due or only {$19.00}. There were also attempts to log on that resulted in the message Were sorry - an unexpected error occurred. I have attached screenshots of examples of this. This was confusing as I was used to to seeing payment due in the {$250.00} dollar range. I would greatly appreciate the removal of the negative credit reporting that is listed as 60 days late for all 5 of my loans. I am applying for a home loan in XX/XX/XXXX and will not be approved without these removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cardinal Financial Company has reported an account as delinquent for the period in which the account was enrolled in and authorized COVID-19 forbearance. 

They have reported 12 months of late payments, although the account was never late, enrolled in a CARES ACT anpproved program and has been out of forbearance since XXXXXXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am reaching out regarding a duplicate and unvalidated debt appearing on my credit report under multiple account numbers. Despite my efforts to dispute this matter through the credit bureaus, the issue remains unresolved. On XX/XX/XXXX, I spoke with a representative regarding this matter, yet no resolution has been reached. 

The account in question was originally assigned account number XXXX before your system transition. Following the new system implementation in XXXX, the account number appears to have changed multiple times, including but not limited to : XXXX XXXX XXXX XXXX ( post-charge-off ) Due to these discrepancies, I am formally requesting full validation of this debt, including original documentation proving its validity. Additionally, as I have already filed disputes with the CFPB, FTC, and local law enforcement via a police report, I am requesting the immediate removal of these accounts from my credit report. 

Please provide written confirmation that these accounts have been removed from my credit report and that this issue has been resolved. I expect a prompt response and appreciate your cooperation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Equifax Credit bureau has failed to respond about the removal of the erroneous information about my inquiries. Sending them letters dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiries are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned XXXX that is still reporting on my reports : XXXX -Date of inquiry XX/XX/XXXX XXXXE-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit score is open and accessible to the public and I dont want that. The credit agencies namely ; XXXX, XXXX, FICO and TransUnion all make my information accessible to insurance agencies etc. 
This has affected my credit score dramatically and reduced my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX we received a check from Wells Fargo Bank for the amount of {$12.00}. We called to try to get additional information about the account that this was related to, and they were unable to give an adequate explanation. They provided us with a phone number to call XXXX ( aka XXXX ) and they were also unable to provide additional information. They only know that it involved an account that started in XXXX, and that XXXX/XXXX  had placed charges on our account and that an audit showed that XXXX felt they owed us a refund. We indicated that we would turn this matter over to that state attorney general of Arkansas because we felt we were not in a position to get any further information from WF  or XXXX. 
We next received a letter dated mid XX/XX/2018, informing us that Wells Fargo was processing a check for {$200.00} as a customer appreciation award. 
Next we received a letter from Wells Fargo offering us mediation for our concerns dated late XX/XX/2018. 
Next we received a check from WF for the above mentioned {$200.00}. Our concern is that we are uneasy endorsing anything from WF or their partner companies, because it is unclear what we are agreeing to if we accept these checks. Have you any suggestions as to what we should do?
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX of XXXX I Realize that my information was used to open account dating back all the way to XX/XX/XXXX for a outstanding balance of {$2100.00}. Second account seemed somewhat similar with an account Dating back to XX/XX/XXXX with a outstanding balance of {$2300.00} .3rd account XXXX XXXX XXXX  XXXX XXXX Dating back to XX/XX/XXXX with an outstanding balance of {$260.00} the Specific steps advise by the credit girls which was filing a police report which will be uploaded the file
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT. 
WITHOUT : Permissible purpose from the creditor. 
Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 


XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995
Product: Debt collection

I was sent a letter on XX/XX/2020 from Convergent Outsourcing, inc., saying that my XXXX account has a negative balance of {$330.00}. The company claiming to be a collections agency offered me a settlement of {$160.00}. I have checked with XXXX and confirmed that my account is in good standing, I'm concerned that Convergent Outsourcing Inc, is trying to scam me and many others.