23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX {$920.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

The company is XXXX XXXX. I have an account and they continuously call from an unavailable number. I finally answered and told them to stop and they admitted the robocalls show up as unavailable but they do nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a human being. I am a living human being. I have rights under 15 USC 1681. 

XXXX XXXX and Experian is govern by 15 USC 1681. And the fair credit reporting act. They have violated my rights numerous of times. I demand the following accounts be removed from my credit reports XXXX XXXXXXXX bank acct # XXXXXXXX XXXX XXXXXXXX bank acct # XXXXXXXX XXXX acct # XXXX THE FOLLOWING ADDRESSES NEED TO BE REMOVED ALSO XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX THE FOLLOWING PHONE NUMBERS NEED TO BE DELETED OF MY REPORTS TOO XXXX XXXX The following INQUIRIES need to be deleted off my credit reports too XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A . States I have the right to privacy 15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

XXXX XXXX XXXX, XXXX was trying to foreclose on my property with a sale date of XXXX/XXXX/2017. On the day the sale was supposed to happen I went to the XXXX County CA courthouse and filed an emergency bankruptcy to get a stay on the sale. Shortly after that I called the trustee, XXXX XXXX XXXX, XXXX in XXXX XXXX, CA and asked how much I had to pay to reinstate my mortgage. They told me it was XXXX and that this was good through XX/XX/XXXX. However they never followed up with an itemized statement of what made up that amount. It was over what I calculated by at least {$2000.00}. Since I wanted to get my account current I went ahead and paid the {$12000.00} on XX/XX/XXXX. At this point I thought all was well. Then in XX/XX/XXXX Ditech sent me a statement showing I owed {$14000.00}. A few days after that I received another notice that my house was going to be sold at auction on XX/XX/XXXX. So I once again called XXXX XXXX XXXX and asked for a quote for reinstatement. After about 2 weeks of waiting and not receiving the quote I called XXXX and asked why they had not given me the quote. They said it was up to the lender. Well after about 30 minutes they e-mailed me the quote and it said {$4100.00}. This was for XX/XX/XXXX and XX/XX/XXXX payments ( 2 x XXXX ) plus what I believe were outrageous other charges. To avoid the foreclosure I paid the amount to XXXX Services on XX/XX/XXXX. XXXX Confirmed receipt of the payment and were forwarding it to Ditech. I have been calling Ditech every few days because they confirm receiving the payment but for over two weeks now they say they are processing it. To this day, XX/XX/XXXX, they still have not applied my payment but assured me my mortgage was reinstated. I think they are holding the payment long enough to become deliquent so they can start another foreclosure sale and make me pay more late charges and fees.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX XXXX Account Name : XX/XX/XXXXXXXX # XXXX Account Name : XX/XX/XXXX XXXX # XXXX Account Name : XX/XX/XXXX XXXX # XXXX Account Name :XX/XX/XXXXXXXX # XX/XX/XXXX Account Name :XX/XX/XXXXXXXX # XXXX Account Name :XX/XX/XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit card

I tried to make a payment on my amazon credit card account. the name of the bank, which runs the credit card account is called synchrony financial. i tried to select the box which allows me to make a payment of the amount that I choose. the amount that I attended to choose is in excess of the minimum payment. the website refused to give me the option to pay the amount that I chose. the website only gave me an option to pay the minimum payment. i participated in a live chat session with an agent to resolve the problem. the agent refused to accept the payment after trying to process it
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX  XXXX {$850.00} XXXX XXXX {$800.00} XXXX  XXXX {$460.00} XXXX XXXX {$720.00}
Product: Debt collection

Accounts appear on my credit report that were not authorized by me and that I do not recognize either. affecting my credit life
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX accounts XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A, section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I want my XXXX XXXX XXXX credit card of the month XX/XX/2023 to be changed to PAID AS AGREED. I have made all my payments on time
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to find out why there are 4 late payments in my credit report. I log in to their website and all they try to do is sell some stupid service. I want to know what accounts were late and the account numbers, the date the payments were late and if they can not provide that information I want them removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached document!!! 

On XX/XX/2023. Contact was sent to Transunion Intermediate Holdings LLC and XXXX XXXX XXXX XXXX about several inaccuracies on my report. The following companies instead of acting in my best interest as a federally protected consumer ... Transunion and XXXX continued to add information that is known to be inaccurate. I am shocked at their clear disregard for their duty to uphold the rights enacted to consumers. I am hurt and my rights to privacy have been violated.
Product: Debt collection

I was sent via XXXX a letter from BLitt and Gaines for wage assignment in XXXX with a court date of XX/XX/XXXX. I went to court on that day and the lawyer for Blitt and Gaines stated my employer XXXX did NOT respond to the lawyers request for wage assignment and my case was to be forwarded to XX/XX/XXXX. Yet my wages are being garnished with NO court judgement against me. The lawyer stated to call my HR employer and state to them to respond to their request so that it can finalized in XXXX. I called Blitt and Gaines and the rep stated to be as of XXXX XXXX their office STILL DID NOT receive any type of notification from XXXX ( my employer ) to their request. I also stated to the rep at Blitt and Gaines I went to court to state my case and she told me it does n't matter anyway you do n't have any right to appeal the decision, it is just an option for you to show up and nothing can be done. XXXX did n't send me any notification of garnishment until XXXX the day AFTER I went to court. When trying to speak to representative at XXXX I asked to speak to a supervisor the rep there transferred me to someone else who was not a supervisor. I then asked to speak to a supervisor which the woman put me on hold for 10 minutes stated there was no one available and then hung up on me. I called back and was hung up again.
Product: Credit reporting or other personal consumer reports

I have not had an account with XXXX XXXX for a while now and i had closed the account with them due to the branch breach like XXXX years ago and that account has not fell off of my account i have sent out some letters for disputes to each credit burro and it has not fallen off and they have outdated information and or some information that is not mine all starting about XXXX years ago when i started checking my credit and learning about my credit. I also have house, car and a house bill in my name in places I have never been in going back to when i was like XXXX years old how does that make sense at that age I'm not able to pay a phone bill use a car or buy a house.
Product: Debt collection

A debt collector ( ERC ) is attempting to collect a debt from me ( 1 ) that is not mine, and ( 2 ) that I have already successfully disputed with the credit rating agencies last year after the first attempt to collect on this debt that is not mine. 

The debt alleged is {$970.00} for an XXXX XXXX XXXX XXXX account. I have never had an account of any sort with XXXX ; I am and have been a XXXX customers for my cell phone service, my internet service provider when I lived in XXXXXXXX XXXX  until XXXX was XXXX, and my current internet provider in XXXX XXXX is XXXX ( formerly XXXX XXXX ). I have never opened an account for either cellular or internet service with XXXX. I have never done business of any kind with XXXX. I first learned of this erroneous debt collection when it was placed on my credit reports in XXXX of XXXX, and I immediately opened disputes with the credit rating agencies it was reported to ( It showed up on 2 of them : I know for sure one was XXXX, and I believe the other was XXXX ) and those disputes were quickly resolved in my favor and the debt collection was removed from my credit reports. 

Now ( XXXX of XXXX ) I have received a letter in the mail from : ERC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Attempting to collect on this same erroneous debt that I already successfully disputed last year.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is CHOICE RECOVERY INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CHOICE RECOVERY INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CHOICE RECOVERY INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CHOICE RECOVERY INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CHOICE RECOVERY INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.CHOICE RECOVERY INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Debt collection

I purchased a vehicle jointly with my daughter XXXX XXXX XX/XX/XXXX. The vehicle was XXXX  XX/XX/XXXX. We never received notice that the vehicle was sold at auction, what amount it was sold for, and what negative balance remained. However this was placed on our credit reports. 

According to the Fair Debt Collection Practices Act, 1006.30 Other prohibited practices.- ( a ) Required actions prior to furnishing information. 

( XXXX ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies paragraph ( a ) ( 1 ) of this section.

None of this has happened
Product: Credit card or prepaid card

I was informed by Chase that an XXXX card had been opened under my name in XXXX of XX/XX/22. I contacted the bank the day I found this out. They blocked the account from charges and then opened an investigation. My first issue was that upon signing into my account ( I had a Chase Freedom card I also monitored ), I noticed that one day that the card was randomly reopened with the same balance. No notification and the card was actually reaccessible to use just as before. The bank did eventually notify me that they believed this was just a card that I opened. I explained to them that someone had utilized my social security number that day to attempt to also open a XXXX card but luckily I had put a freeze on my credit in time to stop that account from being opened. They again did the same exact thing ( Chase ). Blocked the account, opened another investigation. Until today, the account had not reappeared on my online banking statement. However, today, once again it is there with the balance of XXXX. If the bank had cared to contact me to request more information it wouldn't have been difficult to show my XXXX account in the timeframe without a charge for that amount. Upon further reviewing of old documents, it also appears that although the bank initially closed the account for safety, they took it upon themselves to reopen it by simply giving it a new number. This is apparently an XXXX XXXX. I have attached my complete purchase order history for XXXX to show I never made this purchase.
Product: Checking or savings account

This morning ( Thursday XX/XX/2023 ), I received an email from Wells Fargo stating my account balance in my checking account reached XXXX dollars. I logged onto my banking app and saw that two charges were on my account that were fraudulent. Both are purchases from " XXXX '' which I have not heard of before. One charge was for {$420.00}, the other for {$440.00}. I immediately called Wells Fargo to report the fraudulent charges. I was told that a new debit card would be mailed to me and an investigation would launch. I asked if I would be refunded the amount originally in my checking account as both these charges are still " pending '' according to my banking app ( still pending as of XXXX the same day, 10 hours after I called them ). The Wells Fargo representative told me she could not guarantee the money would be refunded and I would have to wait until the investigation was completed.
Product: Debt collection

This account was sent from XXXX XXXX to IQ Data International sometime mid-XXXX. The amount at the time was {$5400.00}. I saw it on my credit, got the number, and I called IQ Data to discuss settling in XX/XX/XXXX. They were rude, talked down to me, made threats if I didn't pay in full. I offered {$3000.00} to settle and I was told they do not settle, and because I wasn't calling to pay out of the kindness of my heart, they were not obliged to help. 

I then called and talked with the new manager at XXXX XXXX. She told me the amount owed was actually incorrect, and that I really owed {$3200.00}. It took from XX/XX/XXXX through XXXX of XXXX to finally correct the amount in their ledgers and with IQ Data. I tried calling IQ Data again in XXXX and offered {$2000.00} to settle. I was told they don't settle and was literally yelled at every time I tried to speak. I finally hung up. 

I started researching options to deal with debt collectors and read that one should never call, only communicate in writing. So XX/XX/XXXX I wrote a debt settlement offer to them and mailed it certified mail with return signature receipt. That letter was received and signed for on XX/XX/XXXX. 
On XX/XX/XXXX I received a bill from IQ Data asking for the full amount ; they totally disregarded my debt settlement offer and acted like they never received it. Aggravated, I asked an attorney to help. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX issued a letter to IQ Data requesting validation of the debt and listed off all documents to be collected and sent to me within 30 days from the date of their letter, otherwise they were to cease and desist collections efforts and I could file a complaint against them. The law firm also stated should the debt prove valid I would offer to settle the debt for {$2000.00} issued in one lump sum by cashiers check to be paid no later than XX/XX/XXXX should they agree. I received nothing from IQ Data. 

I have never in my life been treated so poorly by people I am trying to offer money to. There is no judgment on this amount. Every other collections agency I've had to work with over my 41 years on this earth has been more than willing to settle ; I know that they do. Why IQ Data insists on insulting me and not cooperating is baffling.