23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

FINANCIAL CONTROL SERVICES XX/XX/2017 Address : XXXX XXXX, TX XXXX Phone : XXXX XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FINANCIAL CONTROL SERVICES or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission FINANCIAL CONTROL SERVICES or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Product: Student loan

I attended  XXXX   XXXX  from  XXXX  to  XXXX . I graduated and left with a bunch of loans. I have been on an income base repayment plan since I graduated. I owe more than I make. I was I had false practices with my loans.  I was told be a loan consolidating that there were more than one loan opened in one day. Loans being taken out of my name without my acknowledgement. I will receive emails showing I have {$0.00} payment and then come across some emails showing I owe {$100.00}. I 've tried to apply with borrower defense   back in   XXXX   XXXX   I did not hear back from Navient regarding me claim. It was n't until last week,  XXXX   XXXX  when I thought I, was being scammed by a student loan servicer that I had called Navient to ask what their affiliation with Student Loan Educators was and they told me they do n't work with third parties regarding student loans and also that my submission for the borrower defense program was denied. Nobody contacted me or, let m e know it was declined. This student loan debt is screwing my credit score. Its really hard to obtain credit or even a house. I got lucky with my current apt . I feel Navient did not look into my loans to investigate amd to help me discharge some or if not all my student loan debt . I put  XXXX   XXXX  as my school on my resume and I 'm being laughed at or ca n't get a job in my field with my degree, I, would really appreciate if someone would look into this. I 'm so, desperate for help I went to a student loan servicer and got scammed. Please someone help.,
Product: Credit reporting or other personal consumer reports

Hello, I have been trying to eliminate incorrect information from my credit for some time and it has been very difficult for me, I have tried many ways and nothing has helped me, please verify all this information and if it is not mine, please delete! 

Name incorrect : XXXX XXXX XXXX XXXX XXXX Current addresses incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that no recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX incorrect accounts : XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$3400.00} Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$320.00} Date XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Balance : {$730.00} Date Opened : XX/XX/XXXX COLLECTION Account # : XXXX Balance : {$320.00} Date Opened : XX/XX/XXXX COLLECTION Account # : XXXX Balance : {$730.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report that has not been addressed by TransUnion, despite my previous communication with them. As per my records, I contacted TransUnion on XXXXXXXX  regarding the following incorrect information : XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX ) - This account does not belong to me, and I request its immediate removal from my credit report. 
XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX ) - This account is not associated with me, and I request its prompt removal from my credit report. 
XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX ) - I am not responsible for this account, and I request its expeditious removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An alert came to my phone about a debt that I do not recognize. The amount is {$1100.00} and the account # is XXXX. I was never notified by the original creditor or collection agency regarding any of this information. This is very much indirect communication. I am a victim of identity theft and experian is very much aware of that. I was shocked to find this negative/fraudulent account in my credit report. I had a good credit score rating before this issue. This is damaging to my credit and character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 Equifax XXXX XXXX by XXXX XXXX XXXX did an Hard Inquiry on my credit report. They never informed me that they where going to pull credit. XXXX had just started conversation about rates and terms when all of sudden they must have pulled my credit report without me knowing.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

Wells Fargo failed to restore my online banking services in a timely manner, which caused great inconvenience to me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I have requested validation from TransUnion on an item they have listed on my credit report as a collections account from a company by the name of : XXXX XXXX XXXX w/ an account # beginning in XXXX. Each time I write to TransUnion disputing this item and requesting validation they write back stating they already verified the item. So first thing is, I didnt request verification I requested validation. Second of all Ive also requested they send me the information they have in their files that validates this alleged debt, and each time they ignore that request and refuse to send me this information on MY credit file. 
On their most resent response dated XX/XX/2020, to yet another dispute and request for validation for this same item that I sent to them, they replied we previously completed an investigation of the below item and { verified } the information on your credit file. 
Now, neither XXXX or XXXX were able to validate this alleged tradeline and have since removed it from my credit file, nor has the company themselves been able to validate this debt as belonging to me and isnt paying to report it against me any longer. So I truly do not understand how TransUnion claims they are able to do something thats not even possible to do, and validate an alleged debt that doesnt belong to me! I would like TransUnion to immediately remove this from my credit file with them, or supply me with the information they state they have on file that VALIDATES this alleged debt as undoubtedly belonging to me.
Product: Debt collection

Misrepersentation of information, never conducted private or business with this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and a XXXX fraudulent account appears on my credit files. I have reported this account to all necessary authorities and Experian and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Product: Debt collection

Subject : Request for Reinvestigation and Removal of Charge-Off/written Off. 

To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report. I have not received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has not been issued, the reporting of this charge-off is both inaccurate and misleading. I request that XXXX XXXX XXXX conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,
Product: Debt collection

Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Wa. XXXX ( XXXX ) ~XXXX~ XXXX Date XX/XX/2020, Creditor : XXXX, Client account : # XXXX Convergent Account : # XXXX Reduced Balance Amount {$250.00} Amount Owed : {$380.00} Total Balance : {$380.00} Additional Address : XXXX XXXX XXXX  XXXX XXXX, PA XXXX Change Service Requested I called XXXX and the letter is fraudulent. They will also report the company they say.
Product: Checking or savings account

I wanted to switch banks from Capital One to XXXX, so I submitted a wire transfer request to Capital One on XX/XX/XXXX. The following day, on Monday XX/XX/XXXX, Capital One sent me an email saying they froze my account, worth almost {$400000.00}, providing a phone number for me to call. I called them and provided extensive verification information ( such as my social security number, passport details, travel history, account details, family member information, and current location ). On the call, they then told me they've decided to " end the business relationship '' and freeze my funds to do an " investigation '' that takes " 1 to 3 '' months. I asked why and they said that they can't tell me because it may " jeopardize '' their investigation and I was told that I can not appeal. I received no follow-up email. 

I can no longer pay my taxes, which are due in less than a week. I can not buy groceries or pay rent. I'm a simple marketing freelancer, and my banking history is simple payments from clients, and everyday transactions like taxis and restaurants. I travel to many places as a tourist, going to countries like XXXX, XXXX, XXXX, and XXXX. In the call with Capital One, they asked about my travel history, and they seemed to not know that XXXX is a country, as they asked me if I meant " XXXX. '' In any case, a private business froze my funds and I have no recourse. I am happy to verify any account information, transactions, travel details, or anything else. I told this to Capital One, and instead of asking me to provide more information, they froze everything I have.
Product: Credit card or prepaid card

On XX/XX/XXXX, I used my AMEX credit card at an ATM to withdraw funds, however- the ATM failed to dispense funds and my account was subsequently debited. On XX/XX/XXXX, I called the bank and filed two disputes in the amounts of {$840.00} ( XXXX ) and {$520.00} ( XXXX ). The representative assured me that I will not be responsible for paying back the funds because it is under investigation. Fast forward, I have yet to receive any credit for the two disputes I filed, and it's been 3 weeks now. Moreover, my balance on my account still reflects the two withdrawals, even though I was told by multiple representatives ( including a manager ) that I do not have to pay anything back. I don't understand why I haven't received any credits on my account after waiting this long. I've been a customer for 3 plus years, I pay my balance every month, yet I can't receive a refund for my disputes until the investigation is concluded. From my experience, banks typically provid a provisional credit ( AMEX has done so before on disputes for my account ) until the investigation is done, then they either reverse it or make it permanent. To date- I have not gotten any written correspondence from AMEX regarding the status of my dispute or a refund for either amount. Every time I call I get the same scripted response, but no real resolution. I need my money!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 sec 602a states " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy '' backed by 15 USC 6801. As an aggrieved man pulling the credit file, I noticed that XXXX XXXX XXXX XXXX, account # XXXX entity id # XXXX its associates : " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX '' that's under colorado laws, has caused injury and violated XXXX XXXX XXXX consumer and privacy laws by reporting inaccurate, false and misleading information to XXXX, EQUIFAX, AND XXXX ; and has not sent proper notice and caused tangible and intangible injury to the point credit can not be extended for personal and household use. the multiple violations include : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Copywritten Character 4. Violation of The Privacy Act of 1974 5. Violation of the FTC 6. Any and all injuries tangible and intangible sustained due to lack of following proper procedure
Product: Credit card or prepaid card

XXXX XXXX a avp at XXXX XXXX  in XXXX of XXXX Accessed my bank account, credit cards, and rent by using stolen accounts from people applying for mortgages at XXXX. I stopped working for the company back in XXXX and starting in XXXX he stole peoples information and use me and my information as a cover-up for fraud. He got into my bank accounts and credit cards, doing test deposits, making fraudulent charges and tried to make payments before I could find out. When it cleared he went to XXXX and XXXX XXXX to commit bigger fraud. I wasnt aware of the situation and I didnt know how bad it was until my bank accounts were frozen and credit cards canceled due to fraud. As the months went on I started getting updates from my credit report and banking institutions along with the police and feds About how deep the fraud went. I was cleared of all charges and capital one refuses to delete the 90 day negative payment history and charges off my credit due to they keep confirming its my credit card which I never denied. I have had this card since XXXX with outstanding report history. But the fraud charges that was committed on my card and payments fraudulently causing my cards to close I dont accept accountability for. I lost my {$300.00} deposit and want me to pay over {$800.00} suggesting that I make payments for fraud activity to stop the negative reporting then waiting for possible reimbursement is a scam due to they can take my money and never pay it back leaving me more in debt than the damage already caused.
Product: Credit card or prepaid card

A credit card was opened in my name with wells fargo. I never applied for one. Never!. Someone opened a cardwith all my information when my mortgage was transferred to to wells fargo company. 
My mortgage has since been transferred no one would talk to me about the card or why one was opened in my name.
Product: Debt collection

Upon reviewing my personal credit report, I noticed accounts that I do not own were opened in my name. I noticed fraudulent accounts and inquiries that I did not authorize on my credit report and it is preventing me from receiving credit and housing.
Product: Debt collection

A company called Portfolio Recovery calls my phone number constantly for my ex husband who hasnt lived here in over 7 years. Portfolio Recovery is a Debt Collection agency. I keep blocking their number but they call back from different numbers leaving a computer generated message. I have never spoken to them. They have been calling for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

FILE A DISPUTE XXXX XXXX XXXX XXXX XXXX The account is not in deferrement status. The account is closed/paid in full. 

Please correct comments. Please remove negative deferred comments. 

thank you,
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased 2 XXXX gift cards issued by U.S. Bank worth {$200.00} each from XXXX in XXXX, WA. 

I attempted to use them on XX/XX/XXXX, but found one gift card had a fraudulent charge of {$180.00} at XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX. The other gift card had a fraudulent charge of {$190.00} also at XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX. The cards were in my possession in XXXX at the time ( and I still have the cards ). 

After calling the customer service phone number on the card, I wrote and faxed a dispute letter and filed a stolen card claim on XX/XX/XXXX to the U.S. Bank dispute department at XXXX. 

I received a response letter and a new card on XX/XX/XXXX. After returning the information, U.S. Bank claimed I did not dispute the charge within a 4-month timeframe despite already acknowledging the dispute on XX/XX/XXXX ( 3 months after the XX/XX/XXXX charge ). 

It is now claiming it can not help me despite my complying with all of their requests in a timely manner. It seems like this is a widespread issue with U.S. Bank XXXX, which is more concerning.