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

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXXXXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXXXXXXXXXX XXXX {$73000.00} ; XXXX XXXX XXXXXXXX Balance {$20000.00} ; XXXX XXXX XXXX {$17000.00} ; XXXX  XXXX Bankruptcy XXXX Dismissed ; XXXX XXXXXXXX Bankruptcy XXXX Dismissed ; XXXX  XXXX Bankruptcy XXXX Dismissed ; XXXX XXXXXXXX XXXX  {$17000.00}
Product: Debt collection

On XX/XX/2022 at XXXX XXXX  I was contacted by Sequiem Asset Management saying my wife XXXX XXXX owed a XXXX XXXX bill for XXXX. They called me on my cellphone number XXXX. I explained to them that we have never had a XXXX XXXX  account. They were obviously trying to extort money from us. When I asked where the bill came from the account number or any other information they said they had to verify my address to give out any information. I gave them my address and they said it was not the address and would not discuss it with me. I am a XXXX  citizen and I'm really worried because I gave them my address. So I then asked if they would talk to my Wife and give Her the information on the bill they said they would so i put her on the phone. once again they asked for the address again and once more said that the address didn't match up so they could not give any information about the bill except it was someone on my street with the same name as my wife because it is a common name. They said we owed the bill. I hung up and called XXXX XXXX  they said there was no one with my wife 's name that owed any money. When I called sequiem asset management back and confronted them with what XXXX XXXX said that person said it was probably someone in the united states with the same name as hers as that was the most common name in the united states. Each time I called XXXX there was a voice recording saying there is an attempt to collect XXXX. I want them to provide me account numbers street addresses and an actual bill that they were calling me about. I Truley believe they were trying it extort money from a XXXX citizen.
Product: Credit reporting or other personal consumer reports

Equifax furnished and shared information without my written consent or given an option to opt out. All rights were violated under the free credit reporting act, and the consumer laws not being followed as the company Equifax removed a report upon request due to consumer law violations, but later furnished and shared The same information without notice it is my understanding that you are in violation of consumer laws under the fair credit reporting act you are violating my consumer rights and I demand the accounts be re-removed immediately due to violations of not notifying me and or producing any proof of contract
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX failed to eliminate a re-aged debt in my credit report. 

The original debt was with XXXX XXXX XXXX  and it is dated XX/XX/XXXX. It was sold to XXXX XXXX on XX/XX/XXXX. Given the age of the debt, the obsolescence date for XXXX XXXX XXXX XXXX was XX/XX/XXXX ( 7 years and 180 days ). Despite this, the obsolescence of this debt was was extended by the collector, as it is reflected by both Credit Bureaus, until XX/XX/XXXX. 

It is my understanding, according to the Federal Credit Reporting Act, that the sale or transfer of a charged off account by an original creditor can not change the allowable period a credit bureau can report a delinquent account ; therefore, a debt collector can not change the 7-year and six months reporting period, which in my case is long overdue. 

Given that the date for the Compliance/Obsolescence Date can not be changed by the original creditor or any debt collector which purchases the delinquent account, I requested from both bureaus to eliminate this debt from my credit report, which was denied. I believe that the decision of these 2 Bureaus overlooked the fact that the debt was re-aged, as it had expired in XX/XX/XXXX. 

I respectfully request that you consider the above-mentioned facts, and provide remedy to what I understand is a mistake from the Collector and the aforementioned Credit Bureaus.
Product: Money transfer, virtual currency, or money service

I withdrew momey i earned on XX/XX/2024 for items i sold on mercari. The next day they froze my account and stopped the money transfer after i initiated it. It was already initiated and then they stole my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian said they are unable to get my credit report or credit score. Companies running my credit say they are unable to get my credit report or that it is at XXXX due to this. XXXX, and XXXX both give me a score of XXXX as of XX/XX/2022.
Product: Debt collection

They were contacted on XX/XX/2021 about an account appearing on my credit bureau. A collection account for an apartment in a state I have never resided in, or co signed for anyone in that state. I informed them I had been a victim of ID theft and that my personal information had been used. I informed them that a FTC report was submitted. A police report was submitted. There are fraud alerts on all XXXX major credit bureaus, in addition to XXXX XXXX, XXXX XXXX, XXXX, and XXXX. My iformation is as locked down as I can get it. They sent me a fraud packet I completed this and sent it back. That was XXXX weeks ago. Today I called and was greeted by " we have been trying to resolved your bad debt you owe for 2 years now ''. I explained it wasn't mine again etc. To which I was told " as far as we are concerned we purchased good debt that you will pay back ''. I said I don't owe this. You have everything you asked for to resolve this so can I find out when this might have a resolution? NO. NO?! I said you are ruining my credit. I have never had a collection in my life, I am not late with my creditors and I cant purchase home until it is resolved. Not our problem, pay this and we go away... WOW. Not how a legit business should be operating. I am attaching everything that proves I have done what was asked. Now they need to process this and remove this from my XXXX XXXX file immediately
Product: Checking or savings account

Navy Federal Credit Union, without notice to its customers, ceased crediting accounts with deposits from check under XXXX XXXX dollars. Furthermore, they have delayed deposits more than one processing day as per their agreement. I have also found that they do not reverse or seek to assist customers with debits that are in error. Most recently, NFCU allowed for a canceled set of payments to disrupt my bank draft that has been processing for more than two days.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Unauthorized and Unrecognized Hard Inquiries from My Credit Report Dear Equifax Consumer Dispute Center, I hope this letter finds you well. I am writing to formally request the removal of several unauthorized and unrecognized hard inquiries from my credit report, as listed below : -- -- -- -- - XXXX. XXXX XXXX on XX/XX/XXXX -- -- -- -- XXXX. XXXX XXXX  on XX/XX/XXXX -- -- -- -- - XXXX. XXXX on XX/XX/XXXX -- -- -- -- -- XXXX. XXXX XXXX on XX/XX/XXXX -- -- -- -- XXXX. XXXX XXXX on XX/XX/XXXX -- -- -- -- -- - XXXX. XXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- -- - After a thorough review of my credit report, I can confirm that I neither authorized nor recognized these hard inquiries. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or unauthorized. Equifax, as a credit reporting agency, is legally obligated to investigate and verify the accuracy of disputed information within 30 days of receiving a formal dispute from a consumer. 

If Equifax can not confirm the legitimacy of these hard inquiries or provide proof of authorization during your investigation, you are mandated by law to promptly remove them from my credit report. 

To expedite the resolution of this matter, I kindly request that Equifax take the following actions : Initiate an immediate investigation into the aforementioned hard inquiries to determine their legitimacy and authorization status. 

Provide me with written documentation that proves the authorization for each of these hard inquiries. If you can not provide such evidence within the stipulated time frame, please promptly remove them from my credit report in accordance with the law. 

Ensure that all future communication related to this dispute is sent to my address listed above. 

I have enclosed a copy of my credit report highlighting the disputed hard inquiries for your reference. I trust that Equifax will handle this matter promptly and in compliance with the law. 

Please be aware that a failure to comply with my request within the specified time frame will compel me to escalate this matter to the relevant regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ). 

I appreciate your immediate attention to this matter and expect a timely resolution. I look forward to receiving written confirmation of the actions taken by Equifax in response to my dispute. 

Thank you for your cooperation in this matter.
Product: Debt collection

I am writing in response to the debt collection notice I received from your company regarding the alleged debt that you claim I owe. I am requesting that you provide me with validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

EASTERNACCOS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

I dispute the validity of this entire debt. I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code if you fail to meet code requirements. Delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) For the purpose of validation provide me with : The name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, the original balance, the current balance, how much you purchased this debt for and any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) and Texas Surety bond information as required by Sec. 392.101. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. I request immediate notification by mail if this alleged debt is sold or transerred per Sec. 392.301 ( a ) ( 4 ). Please note I am fully prepared to pursue my rights for the harm this innacuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. I emphatically suggest you get your files in order as I am a litigeous consumer.
Product: Debt collection

A person named : XXXX XXXX Called me at work telling me that I own money to XXXX XXXX, This account was already discharged on Bankruptcy and she is telling me is another account. 
When I asked to send me all the paper work to my address the person was very rude an told me ill see in court. 
The number was XXXX. 
The male that was rude call me back from a XXXX I also sent the bankruptcy papers to a Fax XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX XXXX XXXX with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$1200.00} XXXX XXXX XXXX Owed : {$8100.00} 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

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX 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. XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section XXXX637 ( 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

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. 
XXXX XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681XXXX. ( 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 mare 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 persom knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Citibank was deceitful in the way it double charged me late fees without giving me any notice that there was a balance to pay.. 
I went to Best Buy to pay my bill. I paid the balance. A month later I got a call from Citibank about my credit card bill. Owed {$52.00} and change. I called to see who had used my card since I had n't bought anything after paying off my balance. 
They said XXXX $ for being late. And that I had n't paid the late fee so there was an additional late fee. Plus interest. I said I paid the balance at the store. If there was a fee, why was n't I told then. Or later? 
Eventually they removed XXXX late fee. I went to Best Buy and they tried by phone to get Citibank to refund the other late fee. Citibank would n't help. I said, ok then. I 'm paying this fee right now at the store, after which I want my card cancelled. 
They cancelled the card within XXXX seconds while we were still on the phone and before the store associate could process the payment. They ca n't process payment on a closed account. Catch 22. They may charge me more interest! What? The store associate was appalled. Me too. 
Not only was this deceitful, mean, and unnecessary, it ought to be illegal. 
I 'm filing complaints for their deceitful practice of charging me WITHOUT notification, charging me again on the first wrongful charge, and canceling my account so that the store could n't accept my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I attempted to dispute an account from XXXX XXXX ( # XXXX ), this account was added to my personal credit file through theft as I was a victim of Identity theft in a security breach with XXXX XXXX XXXX. The disputes were all sent via certified mail, yet I have received no response from any of the Reporting Agencies as to the removal of this fraudulent account.
Product: Debt collection

American Express Date open : XXXX Acct # XXXX Started the dispute process with XXXX on XXXX/XXXX/XXXX - than again on XXXX/XXXX/XXXX then again on XXXX/XXXX/XXXX - each time since then every few weeks I call for a follow up to American Express along with XXXX the account itself has no deletion date and its over now XXXX years old acct open : XXXX XXXX, XXXX account was apparently from what the rep in XXXX told me XXXX XXXX, XXXX - charged off which means I went delinquent 6 months prior to that date because it takes 181 days to charge off an account than I was told by XXXX location in XXXX that no really the account was charged off in XXXX of XXXX than I was told on another date that really the account was n't charged off but its still an open account that needs to be paid. this has been going on and on since XXXX of this year we are literally already in XXXX almost at XXXX and have received no follow up and no clarification of what the time line is - the debt itself is past the statue of limitations and should be removed all together. 

XXXX has had little to no help at all with this account for me in fact I have been bounced around like a potato
Product: Credit card

My payment amount was XXXX on XX/XX/XXXX and after the company changed the fee to XXXX. This occurred with the Zales Credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXXXXXX XXXXta breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA 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, credit repair services, or other personal consumer reports

XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Additionally, I exercise my right to opt out of any and all authorization I the federally PROTECTED consumer may have given XXXX  whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account number XXXX amount XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX amount XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX these accounts are not mine was fraudulent open I have police report and ftc report to prove immediately remove these accounts from my credit report immediately and return my score and profile back to normal
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear of neglecting this kind of complaint. Pursuant to offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than XXXX business days after the date of receipt. I have sent tons of dispute letters and complaints alongside my FTC report but you there at Experian are so firm with what youre doing, and thats disregarding my complaint. Is it that hard to understand where XXXX coming from? Common! This is not rocket science! Please comply with the law and DELETE the following items right away. 

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

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : 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