23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an unverified account from AMSHERCOLLECTION SERVICES. I had previously disputed this account. I have never done business with AMSHERCOLLECTION SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMSHERCOLLECTION SERVICES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMSHERCOLLECTION SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

See Attached Unauthorized Inquiries I have recently checked my credit report and noticed some inaccurate accounts reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity thieves someone got hold of my information and they use my Accounts and Ive contact all the companies I was told it would be removed from my credit report negative but its still there
Product: Checking or savings account

I opted out of overdraft protection when I opened the account, however to my disappointment, SunTrust allowed a charge against my debit card to go through, through-by sending my account into overdraft. I not only was charged for a item I did not want, SunTrust added in a XXXX fee as my account was over drawn. 

I spoke to their fraud dept. and they asserted, " SunTrust had the sole Discretion to pay debit card charges and add a fee for overdraft, as they had " 2 '' over-draft programs?! I quickly spoke up and advised them I was NEVER advised of a 2nd over-draft program ; if I had been I would have opted out of it. 
This " 2nd overdraft Discretion '' is a fraudulent scheme they are running against their clients to assess fees against accounts. It's simply illegal and must be shut down immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, natural person am filing this dispute on my behalf. The consumer reporting agencies are reporting inaccurate information to my consumer report without my consent, exhibits are attached below.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. the items I deleted are listed in the report. I am a big team of identity theft. I reported the theft on my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts opened in my name on my credit reports in which I have followed the dispute process and all have been asked to be removed and that I claim 0 responsibility. This is all accounts except for my active XXXX account thats not listed, my XXXX XXXX  credit card, pretty much what I havent disputed is fine. I need these items removed immediately for it is impacting my credit worthiness and has been impossible for me to apply for anything. 

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

I requested NewRez to update my credit report with the payments on my mortgage. They sent me a letter stating that it will start reporting in the Month of XX/XX/2020. It is currently XX/XX/2020. They still have not reported my payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon opening credit lines for my husband and I, we called the credit card issuer ( XXXX ) and set up automatic payments. For some reason, the bank only set up auto-pay for my husband 's account but not mine. Consequently, my bill was paid over 30-days late, when we finally noticed the balance had not changed. We called the bank to complain in XX/XX/XXXX and they said they would investigate. We were then NEVER contacted with the results of the investigation and were forced to call the supervisor multiple times to no avail, leaving voice mails each time. Finally today, XX/XX/XXXX, we were able to get this person on the phone, just to hear him say they would not call the credit bureaus to retract the mistaken report of a late payment because it is, in fact, accurate. It's true the payment was made late, but the question is WHY. This was their fault, not ours, so we feel the credit report strike is unwarranted. They could easily pull the call record to confirm we asked for auto-pay to be set-up on both accounts and verify this was their mistake, but they refuse to do so. We have impeccable credit, which we have worked hard to attain. We do not want this undeserved stain on our record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX 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 or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours statingthe account is accurate, without providingany evidence of a thorough investigation.This practice violates the Fair CreditReporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigationof disputes. Furthermore, Equifax 's actionsmay also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingthe account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i,.

which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This is my third application to Ditech and formally name Greentree for a mortgage application but this company only delays and gives excuses for modifying loans but will not do the necessary work instead and trying to run out the clock. I submitted the application for a modification two months ago as well as the documents they requested. I told them the only documents I can not provide are taxes for 2015 because they have not been done. But I signed the transmittal. I sent in my pay stubs and all other documents. The say that my application is incomplete. They call my number 100 times a day but not about the loan modification which by law they are require to do but for payment for an ever increasing rate for the loan which is about to reset XX/XX/XXXX. I am having a difficult time paying for it now so I want to modifying before it becomes even more difficult for me to pay. I have asked them for the payment schedule for the reset. But they decline to provided me with the information. For the past 3 months, my Client Rep have changed -- the latest person I see is XXXX XXXX who just calls and hangs up. This company is just trying to foreclose and not helping in my situation even though they are require from law to help. I am enclosing the most letter the sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below.

Equifax Breach Inquiry Link : https : //eligibility.equifaxbreachsettlement.com/en/eligibility
Product: Checking or savings account

I fell victim to fraud and someone in XXXX has my card info. They seemed to hack my debit card info. I have gotten XXXX new debit cards now and the latest one is being used before it has even arrived in my possession by the same person who has been using my past cards in unauthorized fraudulent charges and I have reason to believe the banks security has been compromised as my new debit card which I have not even received in person yet is being used.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX account is NOT mine!! I have more documentation including the info proving that I was a victim of the Equifax data breach.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX since then the account has repeatedly been updated as charged off every month.There was also a inaccuracy with the last payment made on XX/XX/XXXX. This is an update in the payment history. A charged off account should not include an active payment history..this inaccurate information falsely manipulates the statutes of limitations .You failed to investigate this account properly and your neglect has violated my rights.i am demanding a deletion of the following account
Product: Credit reporting 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, XXXX XXXX XXXXXXXX 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 an 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: Debt collection

they say these accounts is accurate after dispute but fail to validate so please validate these account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested you to properly conduct an investigation on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX ( this account number is listed three ( 3 ) times for a different amount ) XXXX XXXX You are now claiming that these accounts are " Verified ''. 
I want to be clear, these are MEDICAL ACCOUNTs, that it is protected under the Health Insurance Portability and Accountability Act of 1996 Section XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I noticed the following accounts on my credit report after previously informing the credit bureaus of the fraudulent accounts. Please assist me with this matter immediately. 

1 : XXXX XXXX XXXX ACCT : XXXX 2. XXXX  XXXX  XXXX 3. XXXX  XXXX  XXXX 4. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - {$260.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$95.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$100.00} Along with multiple other fraudulent transactions not listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$4500.00}
Product: Checking or savings account

On XXXX I had seen a denied transaction on my account for {$67.00}. The next day, XXXX another transaction was made for the same amount, {$67.00}, and it wasn't denied. The transaction went though. I contacted Cash App support to let them know an unauthorized transaction was made on my account from some company named XXXX XXXX. They asked me if it was me i said no. Cash app said they would investigate and would let me know their decision in a few days. A couple of days later i get an email stating my account was closed and i could only use their services for a few things but i was limited. I quickly contacted cash app support and asked them what was their process for investigating fraudulent transactions. Cash app said they had another department that could answer this for me and I would get an email in the next few days with this information. I get an email and all it states on is was that they denied my claim because they had reason to believe it was fraudulent and I might be involved. I contacted cash app support once again, and asked them for the reason the denied my claim and what was the supporting factors for them to reach this decision. Once again I was told i would receive an email with this information. I received another email stating the company 's name, the amount of the transaction and the date it happened. When i contacted cash app again and told them they didnt provide me with any details for denying my claim and that i needed to get refunded for this fraudulent charge, I was then told I was sent an email with all this info and if i wanted to pursue this i could contact the company of the fraudulent charge and asked them for a refund. I asked for the XXXXXXXX XXXX phone number and address and cash app told me they didn't have this info and couldnt get it and I would have to research it on my own. I said when i googled the company nothing came up so how did they investigate this transaction if they didn't have any info on the company and how does this make my claim get denied. I received another email a few days later saying that the transactions was fraudulent and in order to receive a refund i would have to verify my identity. After i provided the information that was needed i got an email stating my account was closed and my claim was denied. I asked cash app how can this be if i just received an email stating it was a fraudulent transaction. I then called cash app support and i was told my identity was already verified but my claim was still denied and i would get another email stating why. And this conversation happened today XXXX. I was given no reasons for them to close my account or deny my claim. Can they keep my money at any time and say it was a fraudulent transaction and deny the claim. This should be investigated by the IRS.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which both is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Original creditor : Balance updated XX/XX/2020 XXXX XXXX Original creditor : XXXX XXXX XXXX {$3700.00}.
Product: Money transfer, virtual currency, or money service

I received one bill for my daughter medical bill from collection agent. 
I called same day we agree that I pay {$390.00} as sattlement and they don't report to credit report. Since XX/XX/2020 I keep asking them for a Receipt " Hard copy '' and email to confirm the bill is XXXX and they don't report to three credit report. 
I spoked to three supervisor and they keep liay about they will mail it and email. Last time I called was XX/XX/XXXX If they do that to me they must doing this to other. And they not reported to IRS. I paid it by credit card on the XX/XX/2020. They had my correct address and email. They have branch in XXXX, CA but they go to the office once or twice a month per security building as he told me. 
They located the main office located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN. XXXX Tel. XXXX XXXX XXXX XXXX Company name : Radius Global Solutions LLC
Product: Credit reporting

XXXX XXXX added services that I had not requested, did not use and refused to credit to my bill. 
I called and was given conflicting information. Asked to speak with supervisor and was told he was busy, but would call me back. I am still waiting for call. Received three bills from 2014 XXXX XXXX the XX/XX/XXXX. All were different amounts and said service would be cut off XXXX XXXX. Service was cut off last Saturday of XXXX. I have never received a phoned call or paper bill from XXXX. A collection for {$170.00} is now appearing on my credit report and I firmly dispute this claim. My credit score has been damaged going from over XXXX to XXXX, I am trying to refinance my home and it is hurting my ability to refinance. I feel like I am being extorted by XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC BANK is REPORTING IN ACCRUATE INFORMATION ON MY CONSUMER REPORT I SENT A LETTER XXXX REGARDS TO THIS MATTER AN I HAVE NOT RECEIVED A RESPONDS BACK TODAY IS XX/XX/2022