23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Experian, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Experian, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * XXXX XXXX, Experian, and XXXX never responded! 

Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX : {$680.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$350.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Mortgage

Hello. I requested a two-month suspension on my home mortgage from Wells Fargo after contacting them at the end of XXXX, over the phone. I was told I was eligible for forbearance for my XXXX and XXXX payments and to call back mid-XXXX  to request a deferment/extension of my loan. 

XX/XX/20 : I tried to request deferment through the Wells Fargo automated phone service and was given a response that I would be contacted within 7-10 days to set up. 

XX/XX/20 : I received my statement with a note that my mortgage payments were suspended " for a period of time ''. 

XX/XX/20 : I called XXXX and was left on hold for over 40 minutes until I had to leave the call. 

XX/XX/20 - I sent two emails through the Wells Fargo website asking for instructions and/or help on requesting a deferment. No replies were received. 

XX/XX/20 : I called XXXX - After an hour on hold my call was picked up. Over the phone with the representative I set up a deferment for XXXX, XXXX, and XXXX, but I was told no written information could be sent to me about the agreement, through a letter or email. So the company will not provide any information that I can read or keep for my records explaining the changes to my loan payment. 
Supposedly the representative will enter " log codes '' on XX/XX/20 that will start the forbearance and I will start making regular payments starting for XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that the 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 they decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Charge Off : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXXXXXX Balance Owed : {$58.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$480.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX  XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Collection Agency Name XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX  ) Address : XXXX XXXX XXXX XXXX, XXXX PA XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXXXXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX added a derogatory mark on my credit report per XXXX, Transunion, and XXXX. These degratory remarks and account are apart of identity theft. I have attached a FTC report that list all accounts that were listed on my credit report illegally.
Product: Mortgage

We received our monthly statement from our mortgage company dated XX/XX/20. On the statement, there were 2 charges for $ XXXXea described as FAX FEE. I called their customer service number on XX/XX/2020, and due to high call volume, they let me choose a call back for XX/XX/2020. They called me back on XX/XX/2020, and I explained to them that I wasn't sure what the charges were for. The agent told me they were fees for payoffs and that I or my wife authorized them. I asked for proof that we authorized the charges and the agent said we must have called in. I told her that me nor my wife have ever called in, and never authorized those charges. I asked for them to provide me with a signed document stating that I authorized those charges and the agent told me they don't have to provide me with one. she said they would NOT waive the charges and they will remain on my account until paid. I told her I refuse to pay those charges unless they provide me with proof that I authorized them, and she said they don't have to. I then asked for contact information for their billing dispute department so I could write them a letter and the agent said " one moment '' then hung up on me. I have no other way to contact this company. I now have to wait until Monday to try calling again, only to receive a callback days later. I never signed anything with this company, they took over my mortgage from my former company. I most certainly didn't agree to any {$15.00} FAX FEE, I don't even own a fax machine. The company is Citizens One XXXX XXXX XXXX.
Product: Debt collection

In XXXX XXXX, I had a landlord and tenant issue with XXXX XXXX XXXX XXXX due to a Rodent infested apartment that management refused to resolve the problem. I secured a lawyer and placed the rent in escrow at the courts in XXXXXXXX and I sued XXXX XXXX XXXX aka XXXX XXXX, XXXX 

With assistance of my Lawyer the management of the apartment complex settled the case without going to court. The matter was settled out of court with a cash settlement. 

There are XXXX buildings within the property. Of which each building had different building names. XXXX of which is the XXXX XXXX where I lived the apt number was XXXX. 

Approximately 4 months ago, I received a letter from a Collection Agency Hunter Warfield XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX stating that I owed a debt in the amount of {$2100.00} with a Collection Account # XXXX. 

I immediately contacted this collection agency and informed them that this collection Agency that this debt to a creditor by the name of XXXX does not and did not belong to me. 

Also, I followed up by forwarding a certified Cease and Desist letter to this collection agency HUNTER WARFIELD. 

On Wed, XXXX XXXX, XXXX, I received an email from my credit monitor that Hunter Warfield Collection reported this Debt that does not belong to me in all XXXX Credit Bureaus. This negative information has been damaging and affected my credit score negatively Even though, I have contacted this Collection Agency and informed them that this is NOT my debt, they continued to report this debt to my credit report. 

This debt that does not belong to me was maliciously listed on my credit report by this Collection Agency Hunter Warfield. I am in the process of being interviewed for a Security Clearance and this negative and malicious information will impact my employment. 

I AM SUBMITTING A COMPLAINT TO THE FTC, BECAUSE HUNTER WARFIELD HAVE VIOLATED MY CONSUMER RIGHTS. 

PLEASE ACCEPT THIS AS MY FORMAL COMPLAINT AGAINST HUNTER WARFIELD..
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The Experian and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Balance : {$27000.00}.
Product: Credit reporting or other personal consumer reports

i have filed this FTC Identity Theft Affidavitand now with you at the cfpb to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : 1. A personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX 
2. A personal credit card account opened at XXXX XXXX. 
3. A personal credit card account opened at XXXX XXXX XXXX. 
4. Another personal credit card account opened at XXXX XXXX XXXX. 
5. A personal loan account opened at XXXX XXXX XXXX XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I noticed that there was an inquiry for credit on my XXXX XXXX, that I did not authorize. According to my report my information was used to acquire credit that I did not authorize. This is what is listed under hard inquires for this company on my account : Institution Information : XXXX/XXXX  XXXX, FL XXXX I am requesting that this be removed from my XXXX credit detail.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX regarding civil liability for negligence. Disputed Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items in question have been reported inaccurately, and despite my best efforts to resolve this matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report. According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items. A written explanation of the actions you have taken to resolve this issue. Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner. I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within 30 days from the date of this letter. If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Told them i did not know where this inquies come from and could they take it off my credited report. they said i would have to call the company tha pulled it.
Product: Checking or savings account

I had an account with Chime for about 6 weeks with 4 transactions ( 2 charges for ~ {$100.00} each and 2 deposits of $ XXXX and $ XXXX ). After not being able to log into my account I had a telephone conversation with a customer service person who seemed confused, and then received an email request for front/back image of my drivers license and a 2nd one requesting an secondary ID, such as a passport. ( I complied. ) They also asked the purpose of the funds in the account that I said was for nonspecific future charges. 

On XX/XX/ after providing a picture of my passport, I received an email stating " After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund '' without further explanation. Especially disconcerting, since the account contains approximately $ XXXX, is their statement is not eligible for a refund. Ive sent several emails requesting an explanation and tried calling without success. 

Dealing with Chime has been a very bad experience. The initial debit card they claimed to send and after activating the replacement, customer service has been very bad.
Product: Credit reporting or other personal consumer reports

The account states I was 60 days delinquent however there is no record of a 30 day late payment status. How is that possible? It's not. I was never late. And all three credit bureaus ( XXXX, TransUnion, and XXXX ) are all reporting something differently. 
The Fair Credit Reporting Act ( FCRA ) statesFurnishers of information ( e.g., creditors ) are required to report only information that is accurate and complete. They must take reasonable steps to ensure the data they provide to credit reporting agencies is correct. If a furnisher discovers that the information they reported is inaccurate or incomplete, they must promptly correct or delete it and notify all credit reporting agencies to which they provided the incorrect data. 
Please update this account on this date : XX/XX/18 to paid on time and never late. 
Thank you for your prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint for this day is my follow-up to my previous complaint dated XX/XX/XXXX. My previous complaint disputed items are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Include these items in my previous complaint, Now I am redisputing them again.
Product: Mortgage

Nationstar and XXXX XXXX XXXX, both banks hired, XXXX, who has demonstrated a consistent pattern of conduct in which XXXX, unjustly and illegally enter into a foreclosed home before the mortgage foreclosure process is completed and burglarize the home stealing everything in the house. Since XXXX was hired by the banks, the banks should be liable for their conduct through vicarious liability. Of course, XXXX should also be held accountable for their illegal misconduct. XXXX should not be able to hide behind the employment/agency curtain while pointing the finger at another party to avoid liability, after all it was XXXX and its agents and employees that have committed multiple felonies.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I submitted an revoke authorization for the Automated Clearing House which applied to stopping all debits to my account, including membership fees. On XXXX XXXX the loan was not taken out of my account but the membership fee was still taken from my account after the ACH revoke. I emailed the company and asked for a refund in the amount of XXXX. I received a response stating they can not stop the membership fee as it is an ongoing process. I called customer service to receive a copy of a contract stating membership fees can not be stopped and they were unable to provide one. In my loan agreement there is not in there stating I must continue the membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I mailed certified mail including an identity theft affidavit and an FTC identity theft report to XXXX, Bridgecrest, and XXXX XXXX regarding identity theft and they have refused to remove items from my credit report. They received mail on XX/XX/21 according to USPS.I sent another letter to them back on XXXX XXXX. They have failed to provide me with evidence of their claims. It has been over 30 days since they was suppose to verify so items must be removed from my credit report
Product: Credit card

Discover credit card had send me several offer saving that there is no fee for transfer balancing. Once I applied for credit card and did my first balance transfer that was not the case and I was charged with the balance transfer fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX account showing up on my personal consumer report that does not belong to me.
Product: Debt collection

I sold a property in XXXX of XXXX  which I have proved via title paperwork, deed transfer, and county records. The debt collector, Transworld Systems is attempting to collect a debt for the property I sold for XXXX unpaid bills XX/XX/year>. I sold the property 6 months prior in XX/XX/year>. Transworld Systems has failed to prove that I'm the owner of the debt as I have provided 100 % evidence that I sold this property and the unpaid bills 6 months later are the responsibility of the new owner of the property. My credit score was at XXXX and Transworld Systems has caused financial harm by destroying my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived and worked in XXXX XXXX since XXXX and the only accounts that I have are student loan accounts. Between XXXX and present, someone has stolen my identity and used it to build credit and then take out high value credit cards, run up the balance, and then have them go into collections. XXXX as used to build up this credit. Bank accounts for were opened in my name, phone and utility accounts. 

XXXX refuses to admit fault in allowing these these accounts to be fraudulent accounts. I have filed police and ftc reports. They just keep saying public information points to these being accurate but my entire identity Ive true past 7 years has been a fraud as I simply dont live in the US . All my credit is in XXXX XXXX where I live and work.