23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Notice for Proof of Claim Account : LINEBARGERBGOGGAN BLAIR & SAMPSON, LLP Casse No : XXXX To Whom it may Concern this complaint is submitted Under. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. 
I currently have no suspensions on my driver 's license and I have already made the payment to the proper jurisdiction to satisfy the state of Florida and the City of XXXX XXXX well over 7 years ago. This is quite possibly just an error in data updates or maybe an illegal re-aging of an old account. The date is XXXX for this account I am more than sure that the date of the last activity is nowhere to be found, because it would have shown that this account has already been PAID IN full TO THE COURTS.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX ss # XXXX D.O.B.XXXX  Address XXXX XXXX XXXX XXXX XXXX ca XXXX Account name XXXX XXXX XXXX ACCOUNT # : XXXX I have sent a dispute XX/XX/year> stating this collections must be deleted and removed Company above responded that they sent a validation notice to me and the United States post office indicated that it was delivered. This statement is not accurate when I have never received validation notice and the company has not attached the validation notice in their response THIS IS MESLEADING and FALSE REPRESENTATION 15 U.S. Code 1692e - False or misleading representations I also requested an ORIGINAL PURCHASE AGREEMENT in which I never received in an email fax or mail So this account must be immediately deleted and removed Due to NO DEBT VALIDATION!

15 U.S. Code 1692g - Validation of debts Also company XXXX XXXX XXXX never showed proof of a real investigation. No procedures in case of disputed accuracy! there is no investigation being done by company delete this collection asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code
Product: Debt collection

I reached out as I am refinancing and saw there was one bad collections on my account from XXXX for cable I didn't have an account of. They posted it was part of the disaster of covid. It was false. I went to XXXX and they issued the form showing it was closed as there was no debt owed. I submitted it to the 3rd party collections for them to remove it. Instead the changed it to paid. I never paid it. I have repeatedly asked them to remove it. I went back to XXXX to get a updated statement showing their credit back to the account as the account they spoke of was paid by an HOA not me. Please see the attachment of the validity of this statement. I am frustrated, it's been two months and three weeks of my time trying to resolve this. The bureaus told me to reach out to you as they have tried to dispute it. The company who refuses to follow the laws of the fair credit act is Berlin Wheeler INC. I am now, asking for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent accounts. Someone stole my identity and open up the fraudulent accounts in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. 

Please DELETE the following fraudulent accounts. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX TRANSUNION ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Please DELETE the fraudulent inquires 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 ( TRANSUNION ), XXXX XXXX XX/XX/XXXX ( TRANSUNION ), XXXX XXXX XXXX TRANSUNION ), XXXX XXXX XXXX XXXX TRANSUNION ), XXXX XX/XX/XXXX ( TRANSUNION ) XXXX XX/XX/XXXX ( XXXX XXXX, XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

We placed a freeze on our credit reports with all three credit reporting firms ( Experian, XXXX, and XXXX following the hack in 2018. We now want to temporarily lift the freeze. I recorded all the relevant information, including the provided PINs when we placed the freezes. We encountered no issues with XXXX or XXXX, but have been unable to lift the freeze with Experian, despite multiple attempts both online and via telephone. Each attempt results in a " we are unable to process this request '' and instructions to mail a variety of confidential documents to their offices in Texas. Despite multiple searches, it is impossible to contact the company -- they refuse to provide any electronic or phone contact information. 
Of the three credit reporting services, Experian was the only one that required payment to place the freeze, and they are now making it ridiculously difficult to lift that freeze, which is directly counter to all their advertisements. I am an intelligent, competent, computer-literate consumer. I find it ridiculous that this consumer-hostile, uncommunicative company can hold my personal financial information hostage. I assume this is a scam to convince me to create an account with their company. Such extortion is unnacceptable.
Product: Debt collection

XXXX XXXX XXXX claims Wells Fargo account ending XXXX was closed and balance in the amount of {$190.00} waved. Previously, XXXX XXXX XXXX advised Wellls Fargo would reach out in re, no one from Wells Fargo reached out, has not indicated balance waved. As stated prior, the account ending in XXXX was opened by Wells Fargo reps which I did not authorize, a debit card purchase in the amount {$290.00} was made from XXXX, purchase was never received, item was shipped via XXXX with a forged signature, signed as XXXX, in which case, I never sign my name like this. Wells Fargo accepts forged signature as true and correct, despite forgery. XXXX XXXX XXXX claims Wells Fargo waved balance, however, I have no verification of such or refund of difference in amount of {$100.00}.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX Ct XXXX, New Jersey XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate XXXX XXXX and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX Av XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX Av XXXX XXXX, XXXX, NY, XXXX
Product: Debt collection

On XX/XX/2020 I received a number of unsolicited phone calls from XXXX XXXX  XXXX XXXX XXXX Pushy calls from XXXX XXXX who had knowledge of my debt. He said he would give me 0 % interest for life with Bank of America for a fee of {$7000.00}. The next day it dawned on me that this was a Scam. XX/XX/XXXX I called and canceled. Asked for my check back They said NO. I stopped payment on XXXX XXXX 2020. They got more abusive calling me a XXXX  old Man. A number of harassment of calls followed trying to bully me into reverse my decision. The transfer was done without my permission. When the Bank of America card was sent I did not accept its terms, use it, just held it. Calling, Bank of America telling them of this Scam cancelling any transfer. Bank of America, shuffled me around the country with my complaint, many hours on hold. No help. No resolve. I submitted complaint in writing. Bank of America response was obvious that they did not read my complaint and no one signs their letter so I can not respond. I continue to get harassed by Bank America. Due to the ABUSE I want forgiveness of this debt
Product: Checking or savings account

They won't let me cess my account or have my money off my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a collection account on my credit reports for XXXX XXXX which I have never had an account with them. I called XXXX XXXX to report it and they advised me to submit a claim through here. Someone in XXXX Texas used my social security number and a married name I had back in XXXX XXXX XXXX  to open up an electric account and did not pay. The address was for XXXX XXXX XXXX, XXXX, Texas XXXX and the amount is {$680.00} and the collection company is XXXX XXXX XXXX. 

I filed a police report and the report number is XXXX with XXXX XXXX XXXXXXXX XXXX  police department XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC says I have a deliquent account with them, they tried taking me to court to sue me, I was already to go and defend myself when they withdrew their complaint. Since they sent a notice of withdrawal, I want them to remove it from my credit report.
Product: Student loan

I have on several occasions tried to log into my mohela account. When I enter my information they say they dont recognize it. When I try to make an account they say an account already exists. 
Ive tried calling them. 5 hours on hold with no success in getting through. 

They placed my account in forbearance without my permission. I am trying to get them to resume payments but I cant get through to them.
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. 
Account name : 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 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

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} Medical XXXX Balance Owed : {$220.00} XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has an open amount on my credit report exceeding {$20000.00} from ... ..XXXX XXXX 

This is over 8 years aging and should be off any credit report. This should not damage my credit standing after 8 years. 

Of note : I do not recognize this account. Therefore, I am requesting original documentation with my signature on an application for this credit card. I do believe that this is an exorbitant amount of debt for a working woman 's credit card. I really do not believe my income alone would allow a substantial credit line. If the owed amount is over {$20000.00} ... ..how much was the original credit card! 

This account has a date of XX/XX/2015 ... ..over 8 years ago. This should not be available nor on my credit report at this time, even, IF this were my credit card. 

I really don't have confidence in this nation 's credit reporting as there are voluminous errors in credit reporting as is. However, I do request this be removed from my credit report due to the question of validity ( I was the victim of identity theft ) and the aging of this credit card.
Product: Debt collection

I have been getting calls from phone number XXXX telling me to call XXXX and XXXX. They have called leaving aggressive messages on the voicemail for days. I have tried to ignore the calls and threats of turning my info over to the courts and them calling my so called supervisor. Here recent and the thing that mad me super upset was that they called a nearby contact. They stated to them that they knew I lived there and was going to come & drag me out of the house. Well this scared them they contacted me & advised they would be calling the police! That is a major THREAT to my persons & at this point I am going to file a report to law enforcement. I'm also going to initiate a cease and desist order no contact with myself or any associate. No one should be threatened to that magnitude I don't care what or if they owed anything. I'm HIGHLY upset and I'm looking for action to be taken ASAP!! The caller was a britney and XXXX XXXX or who they claimed to be. I called the numbers back and couldn't get anyone on Wednesday. I reached out to the XXXX number today they id 'd as legal services attorneys which I know they are not. They gave me info about the debt being with XXXX XXXX. They gave me the name of global and location services as I stated I had been threatened. They stated that they could not give me info or contact number for this company they used. XXXX who claimed to be the supervisor at legal services was rude and didnt want to help she kept hanging up on me at XXXX. My ENTIRE issue here is me being threatened! I will not stand for that at all you can do your job without making threats I DO NOT WANT TO BE CONTACTED BY XXXX XXXX OR ANYONE AFFILIATED WITH XXXX! They need to investigate the who I will not be threatened.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I was invited to view web page with given name on it and encountered an error.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$51000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, XXXX Credit Bureau, and Experian Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact XXXX XXXX, XXXX Credit Bureau, and Experian Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.
Product: Debt collection

I received a letter from debt collection agency Convergent Outsourcing XX/XX/ that has purchased the debt from XXXX XXXX. The letter thet mail me is a debt collection letter violating my rights as a consumer. I requested debt validation and the have blatantly ignored my request.They are violation and as a result I have suffered credit denile, distress and defamation of character. I have attached a letter from them with all violations. I have also attached a bill of particulars and proof of mailing. As a result of there misconduct. I have mailed them a debt validation request. They have not sent the documents requested to validate the debt and they continue to report fraudulent false information to the Credit Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i requested that Equifax send to me documentation of items that they are reporting on my credit file and to do a proper investigation ( this was 60 days ago ) I requested copies of the documents with my signature verfiying that they are reporting on my credit file and all they sent me was a credit report with some of the items deleted. There was no investigation done other than them going back to the furnisher who orginally provided the inaccurate and unvalidated information. I explained to them that there is also someone with my same last name that they may be reporting on my file. 

THEY DID NOT DO A PROPER INVESTIGATION AND THEY DID NOT SUPPLY ME WITH THE INFORMATION I REQUESTED AND IT HAS BEEN 60 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent Experian so many documents to verify my status as a human trafficking victim and to verify my identity and the representative assigned to me ; XXXX XXXX is doing everything in her power to not remove these items. Ive also filed a complaint with my Attorney General in my state. I was told on XX/XX/2023, I was told a supervisor would contact me within XXXX hours ; Ive yet to receive that call. According to the guidelines, once documentation is received they have XXXX business days to remove those adverse items. Every time I call its a different excuse or reason for why they cant remove these items. I feel like this all retaliation because of me speaking my mind about how the lack of professionalism from everyone at Experian and especially XXXX, who I asked to be removed from handling anything that involves me. My lawyer is also filing legal documentation for this because I was also misgendered while on the phone call. Then the XXXX, the person who claimed to be a supervisor, was also dismissive and didnt acknowledge anything about was i previously told and again I feel like everything that is now happening with my file is due to retaliation. Also, the agency that I went through will not be giving out any of my information to anyone. We can do everything through lawyers if this information isnt removed by XX/XX/2023. I have every single phone call recorded and I will use them.
Product: Debt collection

XXXX XXXX has an account in my name that was not opened or used by me and was not authorized by me. I do n't even know how they can do this. I have ALWAYS had XXXX for the last 14 years. My phone number has never changed. Nothing was sent to my house as a bill. No email to inform me or I would 've notified XXXX immediately. It did n't even show up on my credit report until it was derogatory! It 's very poor business practice to allow a person to create a fradulent account and not investigate their credentials. I did not sign ANYTHING. I do n't know who did this or even how someone could possibly do this. This is not my account or bill. It should be removed immediately. It 's for {$2200.00}. It says XXXX XXXX in collections by XXXX XXXX. It was opened XX/XX/2015. Account # XXXX. I have disputed twice with XXXX and it says meets FCRA requirements! I do n't see HOW a fradulent charge can meet ANY requirements. I am extremely disappointed that XXXX XXXX could continue to charge me for this. They definitely dropped the ball on their end by not notifying me by mail, email, or my XXXX phone number of someone 's attempt at fraud involving me.