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

Americollect I am writing to file a complaint regarding the validation of a debt on my consumer credit report. I've received several calls which I've requested several times to be removed from the call list. This company calls and requests information about me without even validating who they are or what they are calling about. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act. As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company 's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand that these items be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. 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. I respectfully request that your offices provide me with your purchase agreement for this debt and any competent evidence that I have any legal obligation to pay you.
Product: Debt collection

Cawley & Bergmann contacted me demanding payment owed to XXXX XXXX aka XXXX XXXX XXXX and they quoted the beginning balance is due. The beginning balance goes back to the original lender XXXX XXXX XXXX. The written demand for payment indicates no payment since 2016. Which is absolutely not true! I expressed this to the customer service agent and I told him I would contact XXXX XXXX to discuss it. He stated that they will just refer me back to him. I requested a letter in writing and what I received is what is indicated above, which is the wrong information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several open accounts that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft late payment account are as follows : Please Remove Fraudulent Account immediately : XXXX XXXX XXXX  OPEN DATE : XX/XX/XXXX Account Number XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

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

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : SXXXX 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 Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.
Product: Debt collection

I was initially contacted by Mountain Run Solutions via text message on XX/XX/XXXX, stating that had purchased an account and there was a balance due of {$400.00}. I called the number from the text and explained that I didn't owe any money in that amount to them. I asked for documents and an explanation of the total. The lady stated it was for 8 months of monitoring services for {$39.00}. I explained again that information was false and wanted to dispute the balance. The representative stated that she will not accept a dispute. I asked for a letter in the mail or some documents. She later emailed an invoice that only showed their name an address and the balance, nothing showing how they come to XXXX. The lady then became irate and stated that the debt was valid. She hung up the phone. I attempted to county the company back serial times, however, they blocked my cell and home number and I was unable to contact them via phone. I then submitted a dispute on XX/XX/XXXX via email to the representative as well by mail. The company never responded with any information but instead without validating the balance submitted it to my credit report. I then phoned the monitoring service XXXX and they were not familiar with that company and it sounded like fraud and to dispute the account through XXXX and also obtain an attorney to communicate with the company. I have disputed the account serial times over the last 3 months and without any resolve it has not been resolved. I submitted the final statement bill as well the payment to credit agency to show the balance that was due to the alarm system had been paid directly to the Monitoring service of {$290.00}. The company stated that they did't have any documentation to submit to me and it I wanted to settle the account for {$350.00} they would remove it from my credit report. I do not owe Mountain Run Solutions any money. The account was paid directly to the Monitoring service. It appears that this company thats based out of XXXX, Utah has a history of deceptive practices. They refuse to communicate or to send out any documentation to validate or prove theres an amount of XXXX owed, in which it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items removed right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Someone used my personal information to open a Discover credit card, and spent approximately $ 5k on merchandise, cash advances, etc ... I found out about the fraud through XXXX XXXX and also a package was delivered to an address that I had previously moved out of. One of the realtors involved in selling the house after we moved out contacted my wife and connected us with the new owners of the house to get the package. It was a XXXX XXXX which we didn't purchase, and we returned it to the manufacturer. Once we learned of the fraud, I began the process of filing FTC ID Theft Report, freezing credit, contacting Discover, etc ... .. Discover has been very difficult to deal with and here are the facts : A Discover representative informed me that the card was opened from a computer with IP address located in XXXX, TX on XX/XX/XXXX. I was out of the country from XX/XX/XXXX to XX/XX/XXXX, and sent flight documentation to Discover. 

A Discover representative informed of the address used on the application, and it was not even my current address. I moved out of the address in XXXX of XXXX, and the card was opened in XXXX of XXXX. I demonstrated my address to Discover with electricity bills and lease agreements, and they still won't accept the fact that I wasn't living there. 

A Discover representative informed me that someone called from XXXX to activate the card. That phone number was my parents phone number which they cancelled over 5 years ago and has had no association with my family ever since. In order to prove this, XXXX XXXX XXXX XXXX told us that we'd need a subpoena to collect records from that long ago. Discover has said they " matched me voice '' to this call, which is weird because I do not have any defining characteristics in my voice. I don't have a thick accent, and my voice is normal in every way. I do not understand how this would be strong evidence in any way. 

In addition, the fraudster opened a XXXX XXXX account in my name and spent approximately $ 3k. I provided the same documentation to XXXX and they dropped all charges quickly because they knew it couldn't have been me. 

I have consistently cooperated with Discover to resolve the issue and they have been very difficult to deal with. I am trying to buy a house and this issue has hurt my credit score by approximately 200 points! Very stressful and I have provided every piece of documentation I can without a court ordered subpoena. They are costing me time and money!!
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX XXXX XXXX and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. XXXX has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX, Account # 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: 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 : # XXXXXXXX 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 crimes which antedates the report by more than seven years. 

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

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Still working on this one too, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they are stalling AS REQUESTED FORWARDED TO F.T.C.AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused why XXXX XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else opened up an Experian account with my name I guess my information and everything and now that I'm trying to get a student loan and a student credit card because I'm going to school all of a sudden my account is froze because they're saying I owe {$14.00} well I don't have that or I wouldn't be trying to get a loan I can't get you alone I can't get none of that until my account is unfreeze
Product: Vehicle loan or lease

1. I purchased this car on XX/XX/2023, and I was told that the bank was going to be XXXX XXXX. The contract paperwork lists XXXX XXXX. 
2. I thought my car was stolen off my driveway on XX/XX/2023 so I called the police. They notified me that the car was repossessed by Chase Bank. 
3. I called Chase Bank to ask why they towed my car and they stated that they were not receiving payments from me. They claimed to have sent notices via mail to my home about missing payments. They had the address " XXXX XXXX XXXX '' in their system. My home address is " XXXX XXXX XXXX '' so the representative on the phone, XXXX, corrected this error. 
4. I reviewed my original paperwork from XXXX XXXX XXXX XXXX and noted that my home address is correct and that the bank lienholder was XXXX XXXX. I called XXXX XXXX on XX/XX/2023, the representatives on the phone claimed that my account was attributed to Chase Bank and not XXXX XXXX.Since purchasing my car on XX/XX/2023, I did not receive any notification from XXXX XXXX that the bank lienholder was changed from XXXX XXXX to Chase Bank. 
5. I paid the required fees and excessive late fees to Chase Bank in order to retrieve my car. 
6. By XX/XX/2023, I noticed that my credit score significantly decreased due to this clerical error by either XXXX XXXX or Chase Bank.
Product: Credit card or prepaid card

Recent  Netspend Account closure : I have had a Netspend account for the last few years. Recently, while going through my transaction history, I noticed a few unauthorized transactions. I contacted Netspend and filed a dispute. Netspend  conducted an investigation and ruled in my favor and returned the funds. However, no sooner than they refunded the money, they closed out my entire account, without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has utilized an outside company to record this information. I have not authorized the mystery company to transmit my personal information without my approval. According to 15 USC 1681 section 602 states, I have the right to privacy. 

15 USC 1681b permissible purpose section 604 A section 2 : A consumer reporting agency can not furnish an account without written instructions. Here is the docket number XXXX this info I have not authorized a private company to possess and provide this information to XXXX XXXX.
Product: Credit card or prepaid card

I applied XXXX XXXX card on XX/XX/2017, and I used their XXXX+XXXX limited offer which ended in XX/XX/XXXX. I  already spent more than {$5000.00} within the first three months. But I only got the XXXX base offer. I tried to argue with Amex and failed. But I have no proof that I used this offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently went to the car dealership to LOOK for a new car and without my permission, my credit was ran a ridiculous amount of times to a few companies. the date was XX/XX/XXXX that the Hard Inquiries were added. It was added from 7 different places. 

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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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
Product: Debt collection

On XX/XX/2023, I learned from a credit alert notification that a new collections account had been added to my credit reports in the amount of {$10000.00}. Upon further research, i discovered that my stolen identity was used to obtain an apartment lease somewhere with this property management company in Texas. I have an existing extended fraud alert on my credit reports due to past identity theft issues, and evidently the creditor failed to review my credit report, as it clearly says to contact me and take addition measures to verify my identity before issuing anything. Only about a week later, i received a notice in the mail from a debt collector, Southwest Credit Systems , LP. I promptly send them a response disputing the debt for the reason that it is identity theft, along with the identity theft report that was filed immediately upon my receipt of the alert on my credit reports. As of today 's date, Southwest has not only failed to provide evidence of the debt, but is also continuing to attempt to collect a fraudulent debt.
Product: Checking or savings account

On XXXX XXXX, 2020, I received an email message from my bank Chase Bank/JPMC, asking if I tried to make a charge at a gas station in FL.? I live in CA. It was YES or NO. Answer. I immediately called the Chase Bank fraud dept and spoke with " XXXX '' from the XXXX call center, a fraud specialist. 

I explained to her what I received, and if the email was true and correct. She said YES it was, and to click the NO button, stating that it wasn't me who tried to initiate the charge. Right after clicking the NO button, it brought me to a new screen, the Chase Bank On-Line Banking Website. Again, I asked XXXX if this was alright to put my information in, her reply was YES, so I did. 

The next screen asked for all of my personal information such as SS #, DL #, mother 's maiden name, Bank account number, Pin on all accounts, and the debit card number, and so on. I found that very odd and again asked her if I should fill out that information, and if Chase asks for all that information. She said YES, and to send it. 

Within 10-15 seconds after sending the information, she says to me, " Wait, don't send it '' that she misunderstood, she thought I was asking how to retrieve my password. I became livid, knowing that my identity was fully compromised because a Chase employee didn't listen to what I was saying. She had a very thick XXXX  accent. She abruptly hung up on me. 

I called back to the fraud dept and spoke with someone else who could lock down all the accounts, credit card, and saving account so that it would cover any further damage. I also had to spend {$250.00} on XXXX XXXX for a year, which I would never have needed. 

I called back today and spoke with Chase Fraud Protection, which added even more security to my account. I asked about what Chase would do in reimbursing me for the cost of XXXX XXXX? They transferred me to the Claims Dept, which I explained my problem, and they refused to reimburse me for any amount. Now, what do I do? 

The original conversation was being recorded, or at least that what she said. Shouldn't Chase be liable for something?
Product: Credit card or prepaid card

Yes I recieved a bill from Montgomery Ward saying I had bought a tv for XXXX and it was delivered to my address but I never bought a TV from thrm or did I recieve one nor do I want one and shoild not have to pay for something I dod not order or want or recieve
Product: Checking or savings account

I have been unable to sign up or use XXXX with TD Bank, their XXXX support sent a report to XXXX whom refused to lift restriction, in which case, a separate complaint filed against XXXX in XXXX ... XXXX replied by stating the number used to sign up for XXXX, XXXX XXXX XXXX, shows no such restriction, advised to sign up again, in which case, same error message, " we've restricted access to this service ".