23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which report me as late despite my punctuality.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this accounts, i never applied for it, i don't have any contract with this companies. I was victim of Identity Theft, somebody used my personal information and applied for cards and loans on my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date XXXX XXXX XX/XX/XXXX ; XXXXr XXXX Bankruptcy U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX # A XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Sector 602 States I have the right to privacy.

15 USC 1681 Sector 604 A Sector 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plant as late for purpose.
Product: Credit reporting or other personal consumer reports

XXXX Account XXXX XXXX please sent me a copy of the validation of this account failure to do so remove this account from my credit report
Product: Credit reporting or other personal consumer reports

I am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I am trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies remove all fraudulent accounts immediately. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$660.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX XXXX {$2100.00} The following inquiries XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following names are also not correct and appear on my credit report XXXX XXXX and XXXX XXXX. There are also a number of accounts in collection that need to be removed XXXX XXXX XXXX {$2800.00}, XXXX XXXX XXXX {$800.00}, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX {$730.00}, XXXX XXXX XXXX  {$610.00} and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account # XXXX open date XX/XX/XXXX amount XXXX I called XXXX also file an FTC report and they told me that they no longer have that info FCPA section 807 violation misleading false reporting and like this removed account # XXXX XXXX XXXX open date XX/XX/XXXX, amount {$130.00} this account is also fraud and did an FTC REPORT XXXX XXXX XXXX account # XXXX amount {$7300.00} open date XX/XX/XXXX, this account is not mine as well as the others
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

I received a letter in the mail from this company stating that I was denied for credit. I never applied for credit with this company. I mailed them requesting documentation proving that I did. The mail was returned. 

I disputed with the credit reporting agency and I received a letter from the company stating that it was in connection with an application for credit. I asked to receive that document with my original wet signature. I received nothing from them. This is against the credit reporting acts.
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 U.S.C. 1681. 

XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SOLUTIONS 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.
Product: Credit reporting or other personal consumer reports

I want to emphasize that this complaint is not sent in error nor a mistake. Upon thoroughly checking my credit report, I found out that it is full of inaccurate information and not guaranteed to be the maximum possible accuracy. My rights as a consumer is being violated and it is affecting me negatively in ways you can not imagine, hard times are upon me and it would be a big help if these wrong information are corrected or removed.
Product: Debt collection

On XX/XX/XXXX, I received communication from the company AD ASTRA claiming I have a debt with them. I need the following : Were you named on the original contract with the original creditor? 
Do you have a contract between your Ad Astra and me, signed by both parties?

If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me.

It is against the law for a creditor to share my information to any party other than the account holder without my authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft. 

Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 

Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Even if I checked the box that they could share my information and that they might forward it to a collection company, unless XXXX XXXX XXXX is specifically named in the original contract, I am not liable to them. 

Sending old billing statements from a is the same thing is not validation Where is the recorded assignment from the original creditor to them? How much did they pay for my information? 
Where is the contract showing that I agreed to do business with Ad Astra Recovery specifically? 

73 AmJur 2nd, Sections 90 and 93 state that they can not substitute onto a contract unless they have an interest to protect. That means that they have to be clearly and specifically named on the original contract to have an interest to protect.

While on the phone with this company a representative even stated that I have no contract with Ad Astra.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the below-referenced accounts that are currently reported on my credit file. Despite previous attempts to dispute these accounts, the discrepancies and practices observed persist, indicating potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX with Account Number : XXXX Under the FDCPA and FCRA, consumers are entitled to accurate and fair reporting of their credit information. However, the handling and reporting of these collection accounts have not adhered to the standards set forth by these laws. 

Given the failure to adequately address these issues through the dispute process and the potential violations of consumer protection laws, I am requesting the immediate removal of these collection accounts from my credit report. 

Failure to comply with this request and to provide evidence of your compliance with all relevant consumer protection laws will lead me to escalate this matter. I will pursue further action, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore potential claims under the FDCPA and FCRA for any damages incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Product: Payday loan, title loan, personal loan, or advance loan

I used Moneylions instacash services starting in XXXX and stopped in XXXX after I lost my purse during a night out which contained my debit card, ID, phone, and some other items. I was able to recover my ID and applied for a new debit card which I activated on XX/XX/year>. I had an outstanding balance of {$100.00} on Moneylion which I paid back on XX/XX/year> after receiving my check. I deleted the Moneylion app and removed my banking and card information, except for my old debit card since the app doesnt let you remove all forms of payment in case you have an outstanding balance ( I did not have a balance ) and so I thought that was the end of the situation. Fast forward to XX/XX/year> and I am charged {$220.00} for a Moneylion instacash repayment the day after I got paid when I havent used the service since XXXX. Im not sure if someone used my stolen phone to request funds in the app or what. I immediately called Moneylions customer service and explained the situation and they said that they were sorry but that they couldnt refund me since the money was already taken out of my account ( it was not, the charge is still pending ). After a lot of back and forth with them she just said that she would block my banking information so that I wouldnt get charged again and to dispute through my bank. I then called my bank, XXXX, to dispute the charge and put a stop payment on my account for Moneylion instacash services and was told that the token on my bank account was probably still saved by this predatory company despite me removing my current banking and card information and that that was how they were able to charge me. They then told me I would be provided a credit on my bank account once the charge was done pending while they investigated the issue. I redownloaded the app and can see multiple requests to borrow money after I stopped using their services. I am not sure if my money will be fully refunded.
Product: Debt collection

Between XXXX and XXXX of XXXX an individual attempted/suceeded in opening several accounts using my maiden name and previous address ( I was given this information by the fraud department of one of the accounts that was opened ). I was able to close two of the accounts and receive fraud letters for future reference. An account with XXXX XXXX XXXX was successfully opened fraudulently using my maiden name and social security number and previous address, this account apparently went delinquent and was sold to debt collectors. I have tried to reach out to XXXX XXXX XXXX and they can not find an account with my correct information and basically cut off the calls. I have never received any correspondence from MRS BPO ASSOC. XXXX XXXX XXXX XXXX XXXX, NJ XXXX in regards to this collections so that I may dispute it and forward it to law enforcement as well as an attorney. They have reported this collection on my credit reports, I have disputed this with the credit reporting agencies and have had it removed from two reports. This is straight up fraud, I have worked hard since my husband passed away in XXXX of XXXX to maintain what we had. This has caused me a lot of stress and undo time spent trying to remove this. There has been a fraud alert on my credit reports since I discovered this, as well as a credit freeze. XXXX XXXX XXXX opened a fraudulent account using my maiden name and social security number and they have sold it to debt collectors something needs to be done about this. I have had the same cell phone company for over ten years and it has been current. This needs to be removed from my name, it is not mine.
Product: Mortgage

I am livid how Wells Fargo has handle my loan. I have tried to re-apply for a modification numerals times and Wells Fargo refuses to review my loan for a modification. I have tried to work directly with them but they have hang up my call many times when I start questioning them in regards to my loan. I do not want to lose my house I have an active sale date for XXXX/XXXX/16. Wells Fargo refused to withdraw the mortgage payment out of the automatic system, my cousin XXXX had activated before he pass. It has been really stressful to keep up with the mortgage payment because I was paying half of the mortgage when my cousin was alive.
Product: Credit card or prepaid card

I am a victim of identity theft/mail fraud on XX/XX/2021. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that MIDLAND CREDIT MANAGEMENTXXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning on XX/XX/XXXX, I filed a dispute with the credit bureaus. I later sent a letter on XX/XX/XXXX and again on XX/XX/XXXX. i requested that they do a full investigation in regards to these accounts but the incorrect and false information is still showing on my credit report. Section 611 ( a ) says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been well over 60 days since I have been going back and forth with them and I feel as of my request is being ignored or overlooked. I am demanding that this accounts be deleted immediately or I will seek legal representation since these accounts are in litigation due to a workman 's comp case.
Product: Checking or savings account

I am writing to file a claim against Navy Federal Credit Union regarding multiple overdraft fees in which I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

Unlawful overdraft fees when funds were available for transfer/overdraft protection from another savings account.
Product: Debt collection

LVNV FUNDING LLC sent to my credit report {$950.00} for collections status. Apparently they say they are the original creditor, I never contracted with this company but they claim the collections started XX/XX/year> and the account status is open and is currently affecting my credit scores. Also I looked them up under XXXX consumer access and come to find out they are not licensed to do business for dept collections in the state of Florida, so seems as if they are trying to pull a fast one on me.
Product: Debt collection

This is a medical debt that was paid with the original provider. they have excessively called my phone and been very nasty in their tactics. By placing my personal information on my report it has negatively affected my financial state
Product: Mortgage

We closed on a refinance mortgage with Amerisave Mortgage in XX/XX/XXXX, for our primary residence. Amerisave is suppose to pay the property taxes out of escrow, per the terms of the mortgage. We have made all our payments on time. As you will see from the attached documents, we received a tax delinquency notice from our municipality on XX/XX/XXXX. I called Amerisave and asked them to fix this, and to pay the interest due to the municipality. I sent Amerisave a follow up email with a copy of the delinquency notice. 

On XX/XX/XXXX I received a tax refund check from Amerisave 's Title Company for {$8400.00}. Taxes at that time were still not paid. I contacted Amerisave again and asked them to take care of the property taxes and to advise me what I should do with the {$8400.00} tax refund, i.e. do I need to return it to escrow? ( see attached emails ). 

On XX/XX/XXXX I sent a follow up email to Amerisave to see what the status is ( see attached ). To date, no response. Our municipality advised if this is not taken care of they will put a tax lien on the property. We have been paying the monthly mortgage ; it is Amerisave 's responsibility to pay the tax - and interest for failing to do so.
Product: Debt collection

I don't know this company or signed a contract or agreement with this company ... company needs to show proof with my wet signature.. company needs to show payment history and none payment history.. company needs to show original Contract and proof of ownership for authorization to collect from XXXX XXXX
Product: Debt collection

This debt has damaged my credit. I been homeless over a year because this debt is listed. I spoke to the collection agency about this debt & asked for way to get this off. They advised me that the only way this debt could be removed is paying XXXX .

We were never evicted & lived out our 6 month lease. In this apartment we stayed 4 years. Normal wear and tear was done in the apartment. They also told me on year 4 they will not renew my lease because my finance at the time was my boyfriend they felt as if we didn't need to live together any more. This was a frustrating time for me because this was the end of the pandemic & all resources was tight.
Product: Debt collection

Didnt get in a car accident ran something over in the road late one night. XXXX gave me 25 % of the damages while raising my down payment and rates 4 times immediately getting the money back and marking me as if i had a car accident with damage to 2 cars and personal injury. This claim shouldve fallen under accident forgiveness as promised seeing I received al little over XXXX. Switched companies I get an almost {$700.00} bill from progressive for coverage i didnt ask for, told the rep im on XXXX XXXX from XXXX and these rates are now well over half my monthly income and i was unable to afford it. The rep and I discussed making minimum payments until tax time to pay it off which i have been making to find out the placed on my credit a few weeks before tax time. Attached you ll find copies of the money orders ive been sending per our agreement.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you