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

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX, for committing identity theft. I have never given XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX any right to collect on this alleged debt. 
I have never received any documentation requesting validation from XXXX XXXX, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX, continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company made a hard inquiry against me without notifying me. This was for airline tickets. I contacted the bank that did the inquiry hoping to fix it and they denied all actions. Syncb Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX Syncb XXXX, FL XXXX ( XXXX ) XXXX I have tried to contact the credit burues but they just give me a run around
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX is wrongly reporting my XXXX XXXX Spark card balance. I do not carry a balance on this card.
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME- FIRST PREMIER BANK ACCOUNT # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account appears on my credit profile twice. The first one shows that the account was paid as agreed, the second one, which is right below it, shows that the account was a charge off. I contacted the 3 credit reporting agencies in or around XX/XX/XXXX and requested that this information be removed and/or corrected. As of XX/XX/XXXX this information continues to appear on my credit profile.
Product: Vehicle loan or lease

In XX/XX/2015 someone opened a car loan with Credit Acceptance under my name. I have disputed this several times for all credit bureaus and through them. They only removed it from my XXXX and it was agreed to be removed from XXXX and XXXX as well years ago. This has caused my credit to go to XXXX! I never had a car, they dont even know where the car is and I never got this loan.
Product: Credit card or prepaid card

My XXXX  debit card for Unemployment benefits had been fraudulently withdrawn leaving me with just {$19.00} to survive. 
I had been on the phone with BOA customer service ( no help ) 5 times for the past 3 days. They had transferred me to claims department ; was on hold for a total of 20 hours on those 3 days. 
I was able to file a claim after the 6th hour I was on hold with a Supervisor of Customer Service on XX/XX/2020 XXXX. 
Bank of America is not capable handling this the program they had partnered with XXXX. 
No resolution until today ; I cant live on {$19.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account XXXX furniture company Conns company Are ID Theft and need to be removed
Product: Credit card or prepaid card

I had requested XXXX XXXX XXXX. I already have account. My email linked to my account is : XXXX and my documents were all verified few times. Please open and process XXXX XXXX XXXX. Please follow up with me at the email as registered. Thank you, XXXX XXXX.
Product: Debt collection

Mercantile adjustment bureau placed a collections account on my credit report without my knowledge of the debt. I never received written notice that the account was turned over to them by XXXX XXXX. I contacted Mercantile Adjustment Bureau and advised them of this issue and told them I would like to dispute this account. XXXX XXXX continued to bill me after services were canceled. I explained this to the Customer service agent with Mercantile and requested a copy of the final bill from XXXX XXXX  and they stated they did not have to provide that to me and that I needed to just pay the bill. I explained to them that I would pay what I owed to XXXX XXXX but would not pay for services not rendered. I also advised Mercantile that this needed to be removed from my credit file immediately and they refused to do so. Mercantile Adjustment Bureau is in clear violation of FCRA regulations by not providing written notice of this debt before placing this on my credit file. They are also in clear violation by failing to provide the bill from XXXX as requested. This needs to be removed immediately from my credit file. If they fail to remove this immediately, I will seek legal action against them. They have 10 days from today to remove this.
Product: Credit card or prepaid card

I have tried 3 separate times to close my TJX Synchrony credit card to no avail. Additionally, I over paid my statement by XXXX XXXX XXXXXX/XX/2022 and have not received a refund for this amount. I want to close my account with this company and receive the amount owed to me for overpaying my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CREDIT AGENCIES VIOLATED " FCRA '' CONTINUE REPORTING INCORRECT " PACER '' DATA OF PUBLIC RECORDS ACCOUNTS NOT MINES, OUTDATED AND 41 / ACCOUNTS REPORTED 2X
Product: Credit reporting, credit repair services, or other personal consumer reports

SAFCO- Auto loan. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX phone # XXXX. 
We opened the account in XX/XX/2013 for {$26000.00}. The loan was paid for over 3 years and then we had a hardship and voluntarily returned it to the creditor. They should have only had the remaining balance owed showing on our credit report ( which should have been about {$12000.00} ). The vehicle was sold at auction and I felt after a few years they could have removed it from our report. It's now been 7 years and it's still showing as a charge off/collections. The amount that is showing on the report is more than the original loan amount - {$27000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Prepaid card

I received an Amex Gift Card. I clicked the link from the confirmation email sent by American Express to validate the card, which loads on https : XXXX.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX XXXX XXXXXXXX XXXX ) with a number way less than the face value. And the transaction was declined. I then tried again and got repeatedly rejected. Many people have reported having this problem over past years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed credit reporting agencies about unknown address of XXXX XXXX XXXX, XXXX, XXXX Plus also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my address. Also I retired on XXXX XXXX XXXX on XXXX XXXX,2014 from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, California.XXXX.XXXX
Product: Debt collection

On XX/XX/XXXX I applied for a XXXX XXXX secured credit card, o was denied. Do I went to XXXX XXXX. One there I pulled up. I pulled up three credit reports. Had one negative remark with XXXX, it wzas gor the original {$300.00}. I then attempted to go to Wakefields website to see if I could get any info. Well it required an account Number which I didnt have, I called them spoke with a lady named XXXX she states there is more than {$300.00} on my account I asked her to send me records with all We. on them. Well on XX/XX/XXXXI received an invoice from them for only the additional charges not the {$300.00} we stayed with was not on there at all.They are located at XXXX XXXX XXXX, XXXX Tenn their phone number is XXXX. Now on XX/XX/XXXXI wrote them an email expressing that I did not understand why The amounts the had and the amounts credit reports showed was two different figures. Today onXX/XX/XXXX I received the invoices
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 a account without my written instructions
Product: Debt collection

My ex-spouse took my son to the doctor and there was a bill outstanding for {$180.00} and another for {$25.00}. This happened in Colorado XX/XX/XXXX and XX/XX/XXXX. This week I see a negative mark reporting on my credit report so I contacted Professional Finance Company and explained to the gal that I was not in Colorado during those times and therefore could not be responsible for the dept. I also explained that I didnt even know there was an outstanding debt or I could have paid it before it went to collections. The hospital had my ex spouses address but for some reason my name and social security number. The gal on the phone told me that once it went to collections it became both mine and my ex spouse responsibility according to Colorado Law. Which I understand but I was never given the change to pay the bill prior to it going to collections and if I was given that chance this would be a moot point. The gal at the collection company did have my correct address but never, ever have they sent me a notice of this debt and in fact she said they had been sending it to some address in XXXX Colorado. So there was never an attempt to contact me via mail and therefore I feel that this action should be removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY IDENTITY AND USE IT ON SEVERAL TIMES TO OPEN UP AUTO LOANS BANK ACCOUNTS AND UTILTY ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 crime 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: Checking or savings account

It is for the deposit of a check on XX/XX/XXXX for the amount of {$630.00}, check number XXXX. The funds are frozen and they do not respond to me for them. The bank is chase. My account number is XXXX name of XXXX XXXX XXXX XXXX. My address is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My account was closed on XXXX since then i am trying solution withoud having an answer
Product: Debt collection

I do n't know who portfolio record is, I ca n't find anything about it regarding debt or where it came from. This is really hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX VIOLATES FCRA RE ACCURATE AND COMPLETE REPORTING AS A PATTERN AND PRACTICE. 
I AM SUING EQUIFAX REGARDING THEIR REPORTING OF XXXX XXXX XXXXI HAVE ATTACHED MY DEMAND LETTER AND CURRENT DISPUTE
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed an account with Bank XXXX XXXX and it 's been inaccurately reporting as closed by credit XXXX when I disputed it with credit bureau they did n't correct it even when I sent them proof as Bank XXXX XXXX sent me a letter clearly stating that I requested to close it
Product: Money transfer, virtual currency, or money service

XX/XX/2019 I spoke to the 'seller ' on XXXX , XXXX   XXXX who alleged that she had 1 ticket to sell for the XXXX XXXX concert on XX/XX/XXXX in XXXX Md. She offered to sell it to me for {$50.00}. The payment method was via Paypal, XXXX I completed the transaction she asked for a screenshot of the transaction from PayPal which I sent and her last words were ' I will send the XXXX to you right now ' that was XXXX. She never sent the XXXX and closed down communication with me on XXXX. I contacted Paypal and they said the transaction was considered a 'personal payment ' and there was nothing they could do to help me. I looked on my bank account and the money had already been deducted from my checking account. I need someone to help me get my money back.
Product: Mortgage

Our Mortgage loan started with Country wide, and got sold to XXXX XXXX XXXX, then resurgent which then got sold to Shellpoint Mortgage Servicing. My husband got laid off for 7 months, and we were falling behind. This was a year ago mind you. Every time we sent the documents they claimed they did not have enough information and documents, which was a straight out lie! We would re-submit the files, and by the time they processed the information it was already expired! this is a clever way to collect illegal fees, and make you fall behind even more so they can foreclosure on your home. We were only three monthe behind when this started, and were ready to pay at that point a year ago, but our Account Manager advised us not to pay because it was in review anyways. Any time we tried to make payments online, it would not allow us to pay. To this date we are still playing this game, and have no idea what to do? We do not want to lose our home, and are willing to work with them arranging some type of loan modification, but they keep saying that they ca n't help us because we did not send the information they needed, which is a flat out lie! We have proof from emails sent back and forth with their company. countless phone calls to get a voicemail, and no answer..they claim they do n't have to leave a message. Now our fees they have added has grown to a rediculous amount that we ca n't pay..of course. They want us to lose our house! Please help us keep our home, and get us on the right track with a proper loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I declared Chapter XXXX Bankruptcy. I was up to date on all payments until I submitted the Bankruptcy. 8 of the companies note derogatory reports that my payments were late. My attorney advised me to have this amended as the derogatory remarks of late payments were in error. I went to each credit bureau, XXXX, XXXX and Transunion. Disputed all 8 accounts, however the summaries that the credit bureaus reflect still show the 8 account late payments. I contacted them and advise that is correct even though the actual creditors amended there records.
Product: Credit card or prepaid card

On XX/XX/18 I reached out to Bank Of America to see if they could waive the late fee ( s ) that were incurred due to late payment ( s ) which was no fault of my own I've tried on  numerous occasions to add my financial institution to their bill pay service but to no avail it is my firm belief that they blocked and or prevented me from adding my financial institution to cause such an action the customer service representative stated that i had other options other than using online bill pay which I told her those options weren't best for me suffice to say she said she couldn't waive the fees for me when the fees were incurred due to bank negligence
Product: Student loan

In XX/XX/XXXX I put in a borrowers defense to repayment and on the application, it said that if I wanted all my loans I could put them in forbearance. Fast forward to XX/XX/XXXX. I sent in my renewal paperwork to student aid, and they said that my provider aidvantage processed the paperwork. I waited a little while and I called aidvantage and they told me they never received anything from student aid and that they were told in XXXX that I didnt qualify for the forbearance from the borrowers defense application, but I was never contacted! So the following day, a lady called me from aidvantage and told me that she would enroll me in the save plan. I told her I was worried about it cause a lot of times the payments on your student loans go up, and she assured me that wouldnt happen yet today XX/XX/XXXX I login in my payment is {$770.00} and Im not even working due to a XXXX. I also contacted student aid and they emailed me back and said that I did qualify for forbearance, and they would forward it to my servicer again!! Im more than frustrated!
Product: Mortgage

Good morning, I have had a mortgage at Suntrust and at the beginning of XXXX, I change my mortgage to a different bank. On XXXX Suntrust paid my taxes for my house. I called them to stop the process but they told me it is impossible to stop at this type. On my tax bill, I can see that the Suntrust payment was rejected ( XXXX $ paid ) on XXXX XX/XX/11. I have contacted Suntrust to refund me for my money. I received multiple information, that the money will be refunded at the beginning of XXXX, then in XXXX and XXXX. Today, I was told by Suntrust that the money was the return on XX/XX/XXXX and I need to wait another 30 days to start processing the return. At this point, I have not to trust at all, since information like that was refer to me already multiple times. 

Anyway, I don't have money since XXXX last year, I don't see a resolution to my situation. I feel hopeless and injustice, given the amount of time that my money has been withheld for so long time.