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

Hi my name is XXXX XXXX Im Having A Problem This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXX XXXX XXXX  - open XX/XX/20XXXX XXXX XXXX XXXX open XX/XX/2023 XXXX XXXX XXXX  open XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft 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 not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Checking or savings account

Axos bank closed my account on XX/XX/2023 and now they are holding my funds totaling {$900.00} XXXXThey told me my account is restricted because their internal team was unable to verify the document i sent which is a lie because it is an official name change document there is absolutely no way they can do this. Ive used this document at social security and former places of employment and I work for the government. Although my name has been changed on my social it has not been on my license because its from out of state and its more complex but thats besides the point that are fraudulent institution. Hence thats why I carry my license, social and OFFICIAL sealed name change document from the XXXX XXXX in XXXX XXXX. Ive been waiting for a review for XXXX hours I was told XXXX. I havent had any issues with any other bank using that document XXXX tried to send a wire transfer and I was told i had to send over my documents to have my identity verified. I sent over everything. They closed my account XXXX minutes later and sent me some email saying that my account was being closed because i went against the deposit agreement which i did not. They NEVER verified my document I got an email back today saying they just got it. Theyre playing big games and they need to be reprimanded for their fraudulent banking practices. PLEASE shut this bank down have you seen the consumer reviews. They do this all the time and get away with it .I want them to process my wire transfer so that i can pay my rent they are a scam bank and the representatives are rude and condescending. They need to be reprimanded for their fraudulent banking practices and how they hold customers funds for forever. I attached all the communication that changes everyday as well. I told them that they caused me to get evicted which they did so Im pursuing legal matters if I dont get help here. By the way I sent that document Wednesday but please see all screenshots attached so you can see how much of a lie they truly are!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed a collections account for an apartment complex that I've never lived at or signed a lease for. This is identity theft and fraud and they are trying to collect on a balance that I do not owe, they are unable to provide a copy of any lease or form bearing my signature, proving that I signed a lease to live there ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. You have NOT provided me a copy of AN
Y original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Both XXXX XXXX XXXX  and XXXX ( aka XXXX XXXX XXXX ) have violated ; FDCPA ; Practicing Unlawful Debt Collection ; illegally Attempt to Collect a Settle Debt ; Illegally Attempting to Collect a Debt Not Owed and Falsification of Debt Owed Both XXXX and XXXX ( aka XXXX XXXX XXXX ) are illegally attempting to collect a settled debt from Case No. XXXX ( XXXX vs. XXXX XXXX ) Filed XX/XX/2008 in XXXX, MN with Settlement Judgement reached XX/XX/2008 and Recorded XX/XX/2008. 

XXXX ( XXXX XXXX XXXX ) illegally misrepresented themselves as student loan collectors from XXXX. Only when my wife and I were victims of identity theft was when I found out that they were collecting on same settled debt from Citifinancial. They ceased collections after I filed numerous complaints and threaten lawsuit. They were supposed to refund all the money they took from me and never did. 

CitiFinancial has also not been helpful in attempts to find records of this disputed settled debt. In addition to having both the court administrators office and my bank looking for paperwork from 11 years ago.
Product: Debt collection

I have XXXX XXXX and Americollect trying to collect the same debt for XXXX XXXX. I have made payments in the past to XXXX XXXX on this account and the balance as of XX/XX/23 is {$490.00}. I received a bill from Americollect on XX/XX/23 for {$550.00}. I immediately called Americollect and thecollection agent told me I owed them {$550.00}. I told her that was incorrect that I had previously made a payment to XXXX XXXX and her amount was wrong. She informed me that XXXX XXXX XXXX reported any payment made to them and asked me if I would like to be transferred to a supervisor. I said sure. The supervisor was rude and would not let me talk and continued to try to talk over me and argue about the amount owed. I tried to inform her that I had spoken with accounts payable at XXXX XXXX and paid off XXXX account and set up payments on the remaining account. She said they could see payments made to XXXX XXXX and then changed her story when I told her I had copies of payments made on the XXXX XXXX app. Then she said she was sure they would get around to reporting the payments next week I should check back then. I then told her the payments were set up with XXXX XXXX and I wouldnt be contacting them anymore. I told her it was fraudulent activity to try to collect {$550.00} and I only owed them {$490.00}. She said thats what she could see and thats what they were trying to collect. I told her I would be glad to send over proof of payment and she simply replied by saying we are already past that!
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Specific Issue : " I noticed a discrepancy in the Account Type for this collection account across the credit reporting agencies. ''
Product: Checking or savings account

On XX/XX/XXXX the bank closed my account. I waited for a month for the bank to release my money by sending me a check. The amount is {$55000.00} I had a second account with them and the balance was {$100.00} this money was returned back via a check they sent in the mail. 

In XXXX of 2023 I visited the bank, and an employee called their HQ and said they are investigating. I offered any information they may need to resolve the issue. They declined and said they will notify me. I did not hear anything back. 

I called their XXXX number multiple times. After getting in touch with one of their representatives they said that I have to go to the branch, and they would be able to help me. 

In XXXX of 2023 I went to the branch and XXXX, the bank manager, was kind enough to call their HQ. The HQ requested information and I provided it to them. After a few minutes they came back that they will have an answer by tomorrow. I followed up with them after 3 days and they didn't have any information for me as to when my funds would be released. 

In XXXX I called their XXXX number again. I got in touch with XXXX, bank employee, she hung up. I called back got in touch with XXXX, bank employee, she hung up. I called back again and got in touch with XXXX, she said that a check was supposed to be cut for me on the XXXX of XXXX. She put me on hold and was supposed to get back to me to find the reason why it wasn't. She never called. 

I called back and spoke with someone and instructed me to hold so she can find the reason why my money was not being released. No surprise she hung up on me. 

PLEASE HELP to get my money back from these people. They give no information or ask any information why their holding on to my money. 

This has already been 5 months from the date of them closing my account. 

I can be reached at XXXX or XXXX XXXX
Product: Credit reporting or other personal consumer reports

E To Whom it may concern, I've sent neuromas letters to explain that XXXX XX/XX/XXXX has taken repossession in the state of South Carolina on or about XX/XX/scrub>/2023 and resold the vehicle on or about XX/XX/scrub>/2023. This account is still being reported on my credit report. XXXX has failed to make contact with me in regards to this matter. 

Under the laws of the state of South Carolina UCC & South Carolina UCC code, you will to look this up and State RISA and MVISA statutes a deficiency to whom it may concern, I am writing in regard to the above referenced accounts and transactions can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

in addition, if you singularly and severally fail to comply with the above request, i reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC & 9 remedies. 

Best Regards
Product: Debt collection

I am responding to your letter dated XX/XX/XXXX, regarding CFPB Case # XXXX. While you claim this debt has been properly verified ( which has not ), you have failed to acknowledge that this debt is NO longer legally enforceable based on the Arkansas statute of limitations. As I stated in my original dispute, according to your own account summary : -- The debt originated on XX/XX/XXXX with XXXXXXXX XXXX -- The last payment was made on XX/XX/XXXX -- The account was charged off on XX/XX/XXXX... Under AR Code 16-56-105, the statute of limitations for debt collection in Arkansas is three years. As there has been no activity since the charge-off in XXXX, over three years ago, this debt is time-barred. While you have rights to the paper documentation of this alleged debt, you NO longer have legal remedies to collect on it due to the expired statute of limitations. Attempting to collect this unenforceable debt violates state and federal law. I again request that you cease all collection activity on this account and inform the credit bureaus that this debt is disputed and should be removed from my credit report immediately. Please confirm these actions in writing.
Product: Credit reporting

My transunion reports are showing XXXX accounts that are in collections and they are incorrect due to the fact they were filed in my bankruptcy that was filed on XXXX XXXX 2015 and should not be shown in collections any longer. We received our letter of release of debt from the court so these accounts should n't be showing to be in collections any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have sent a demand to remove letter on XX/XX/2022. No response or communication from this company. They are not adhering to the Law of Furnishing inaccurate and incorrect information. 15 usc 1681s-2. No documents as have been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and transunion are still reporting inaccurate and unverified information particularly 2 bankruptcies on my credit report. XXXX  & transunion have stated that they verified this information via the court & XXXX XXXX both of which are lies, the court house provided a letter stating they do not verify any information to any third party vendor or credit bureau, a formal complaint has been filed against XXXX XXXX in which they replied they removed both bankruptcies due to not being able to verify, I have attached the letter from XXXX XXXX in which they have removed the bankruptcies. XXXX  and transunion must do the same since there is no bankruptcies to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I requested a copy of my report from NCTUE aka National Consumer Telecom & Utilities Exchange , Inc. 2. I received that report dated XX/XX/2018. 3. There was incorrect information on the report. 3. On XX/XX/2018 I mailed back to them their form for disputing items. 4. They sent back a letter dated XX/XX/2018 requesting a copy of my Social Security card and a copy of a utility bill. 5. On XX/XX/2018 I returned a copy of both to them. 6. Next I received a letter from them dated XX/XX/2018 offering to sell me a copy of my report. 7. As of today XX/XX/2018 they have not done anything to investigate my complaint about incorrect information on my report. The company is XXXX that I am disputing. The 3 major credit bureaus have removed XXXX from their reports. I also disputed XXXX with them. 8. My complaint here is I can't get them to even investigate my complaint much less remove it. Can you please help?
Product: Credit card

I called American Express and asked for the XXXX address or XXXX location of device used to creat or apply for this credit Card. 

The address, phone numbers used to create the credit card are different than mine. 

Amex denied the fraud claims stating that I benefited from the card. I have given documents showing that my address is different from where they sent the credit card. 

Please describe how I benefited if you never sent me a XXXX card. 

I will provide the proof of address Amex was sending the XXXX card to and my address.
Product: Debt collection

I had a conflict active with Affirm in Affirm 's conflict resolution center that was initiated XX/XX/XXXX of 2022. 

On XX/XX/XXXX and XXXX I provided evidence I was able to gather that Affirm asked for to settle the dispute with The XXXX XXXX for {$390.00}. 


I did not receive a response to the evidence I provided to Affirm. On XX/XX/XXXX I messaged Affirm through the Resolution Center for an update. 

I received no further communication about the dispute from Affirm until I called them XX/XX/XXXX [ 2022 ]. 

Affirm assured me my case would be visited and closed. Affirm then messaged me in the conflict resolution center asking me for evidence that I had already provided them. 

On the XXXX of XXXX, Affirm communicated to me via the resolution center that they sided with The XXXX XXXX. 

The XXXX XXXX, I believe is a fraudulent company that advertises false claims about their product. The XXXX XXXX also does not have an active contact channel for consumers to settle disputes. The XXXX XXXX also has a suspicious set of purchasing guidelines. 

According to Affirm, " Affirm will resolve all disputes in favor of the party that best substantiates their claim ( XXXX ). If Affirm resolves a dispute in favor of the merchant, the merchant will not be liable for any amount of principal or interest related to the disputed transaction. '' However, Affirm never disclosed to me whether they were able to contact The XXXX XXXX. I assume that they were not, given that The XXXX XXXX is not contactable. Yet, Affirm decided to side with the company after not once acknowledging the evidence I provided. 

On XX/XX/XXXX I called Affirm to understand the decision. I was transferred to a supervisor who hung up on me mid-sentence. When I called back, I was led to a dial tone. 

To resolve this. I would like Affirm to cancel the loan, refund me the amount I have paid, and fix their flawed resolution system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three ( 3 ) credit bureaus numerous times in regards to my social security number being compromised. I have let them know each time that I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX via the XXXX XXXX police department. I have been advised they may contact them at ( XXXX ) XXXX to verify the report and have informed them of this in each request. I have asked each time for them to remove and block all information from my credit report that I included in each request, and to send me a copy of my credit report proving they have done so. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX  - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Opened XX/XX/XXXX XXXX XXXX Credit Card - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX BANK XXXX XXXX  - XX/XX/XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX/XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX I asked them to remove and block all information resulting from identity theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within four ( 4 ) business days of receipt.

Again, I also asked them to please send an updated copy of my credit report at no charge as the act says there should be no charge for this updated report. I also requested that they please send notices of corrections to anyone who received my credit report in the last six months.

The only responses I have received are generic responses saying these items have been validated. I have requested numerous times for them to provide proof of how they obtained validation and have received no response.

According to the Fair Credit Reporting Act, Section 609 ( 1 ) ( 1 ) ( A ) they are required by federal law to verify, through the physical verification of the original signed consumers contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are five misspelled name variations on my credit report associated with Report Number XXXX with the following Name ID Numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX. Having misspelled versions of my name associated with my social security number creates risk of someone misusing my personal information. I called Experian 's customer service number several times but the recording does not offer any meaningful help.