23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022, The Law offices of Mitchell D. Bluhm & Associates , LLC XXXX XXXX XXXX XXXX mailed a debt collection notice, acting on behalf of a debt collector/ attorney, to my residence without my permission. Not only did they mail a debt collection letter to my residence without MY permission, they also claim that I owe them a debt of XXXX. I have never done business with this company, nor was I, the consumer, aware of a 3rd party purchasing information in my name and not compensating me or providing me receipts of that transaction. I do not nor have I ever initiated any consumer credit transaction with this company to owe them a dime. I have no contract with the collector.
Product: Credit card

I signed up for a American Express XXXX card in early XXXX with an offer of XXXX membership reward points after spending {$3000.00} dollars within 3 months. I met this minimum spend on XXXX XXXX which was confirmed by multiple customer service reps. I was told that according to the terms and conditions, I would have the points available by XXXX XXXX ( after 8 weeks ). I attempted to transfer the points on XXXX XXXX and received an error code. I called Amex customer service who could not figure out what the error is. They said to try again on Monday, XXXX XXXX. I attempted to transfer points to an airline partner and again received an error code. I called customer service who also were not able to transfer the points. They transferred me to a membership rewards specialist who told me there was a hold on my points for XXXX8 weeks which should have cleared by today. The customer service rep looked into it and did not have a reason for why my points were unavailable. He recommended waiting another couple weeks, to check back XXXX XXXX. I expressed my frustration that I had met the spend, waited the entire 8 weeks, and still could not use my points. The representative apologized but stated there was nothing to be done but keep checking back every week.
Product: Debt collection

I had a call from this number from this number. I called the number back the individual said something, none of which I could hear or understand. The individual was rude when I kept saying hello as they were going so fast his respond was I am going. He did not say who they where and wanted me to verify my info which I refused as I did not know who I was talking to. individual then stated since I will not verify he will have to end the call. I did him the honor and ended the call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Remove Unverified Collection Accounts Dear [ XXXX/Equifax/XXXX  ] XXXX I am writing to dispute the inclusion of certain collection accounts that have been reported on my credit file by XXXX, XXXX, Equifax, After reviewing my credit report, I have identified collection accounts associated with this agency, and I want to make it clear that I did not sign any agreement or contract with them, nor am I aware of any debt being legally owed to this collection agency. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete. In this case, the collection agency has failed to provide valid documentation that supports their claim that I owe the alleged debt. 
Additionally, under The Fair Debt Collection Practices Act ( FDCPA ), collection agencies are prohibited from reporting debt to credit bureaus unless they can provide proof that the debt is valid, which includes documentation of the original contract or agreement that I supposedly signed. Without this proof, it is unlawful for them to report such negative information on my credit report. 
{$480.00} Open balance XXXX XXXXXXXX XXXX Original creditor {$450.00} Open balance XXXX XXXX Original creditor {$430.00} Open balance XXXX XXXX XXXX Original creditor {$130.00} Open balance XXXX XXXX Original creditor XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$1000.00} Closed XXXX Reported : XXXX XXXX, XXXX {$1400.00} Closed XXXX XXXX  Account numberXXXX Account typeSecured Card Responsibility Individual Date openedXXXX StatusAccount charged off. {$400.00} written off. {$400.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXX Balance {$400.00} In accordance with these laws, I request that you immediately initiate an investigation into these collection accounts and verify : 1. Whether there is a signed contract or agreement between myself and the collection agency.

2. Whether the collection agency is legally authorized to collect on this alleged debt.

3. Whether the original creditor has verified that they assigned the debt to the collection
Product: Checking or savings account

Greetings, I am The co-account holder. I am not completely sure what happened. It started with 2 issues. 1st I discovered checks missing. I contacted Navy Federal. I explained to them checks were missing. Please stop any prior checks and send us new ones. The next day I received an E-mail from XXXX stating, They were trying to secure my account, someone was trying to impersonate me. I immediately contacted them and secured my account. I immediately contacted Navy FederaI, I explained the situation about the missing checks. I asked for a flag be placed on our account. A few days later I tried to sign in our account, just to check. I was blocked. I tried signing in off my phone. I was blocked. I called. I gave them all the answers except the E-mail. The guy on the other end became irate, and asked again who I was. I explain the co- account holder. He said, There is no co-holder and hung up. A few days later I was told my sisters had broken into the account and took all the money, and changed the account. They have no Authority to do this. I need Help.
Product: Debt collection

*Security Card ( XXXX XXXXXXXX XXXX XXXX XXXX  Debt was paid in full *Midland Credit Management XXXX XXXX XXXX XXXX  XXXX Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I filed a dispute with the Experian Credit Bureau about the unverified accounts : XXXX, XXXX  -- XXXX, XXXX XXXX -- XXXX, XXXX. XXXX  -- XXXX, XXXX XXXX -- XXXX, In XXXX 2020, I requested a removal of these accounts for 30-days non response which is a violation of the FCRA. In those 2 months I have asked several times for a response and I have not received anything from this bureaus. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

Company representative said that if I do not pay the debt, then I will " be in a law suit. '' He then denied having made that claim. I informed the underlying creditor and the collection representative that I have been on medical leave and can not pay the bill. Upon informing the collector of my medical leave, he then asked " what the problem is. '' I informed the collector that he is not permitted to ask of my private medical information, he denied having done so and went on to provide an example of other customers who reported car accidents or XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, My BMW lease was coming to completion at the end of XXXX XXXX. On XX/XX/XXXX XXXX, my car was involved in an accident. It was a no fault accident as my car was parked in the driveway and another person stole a different car, hit and totaled my car. This was at roughly XXXX. I spoke to insurance and after they determined it was no fault, they explained that they would take care of everything. Then BMW called me and asked for {$500.00} for completion of the lease or inspection of some sort. I called my insurance company and they said I am not required to pay that since the total cost would be covered by insurance. I spoke to multiple reps at BMW financial and a few of them actually said that would work as long as the got the payment. I called insurance again to make sure they said that there is no deductible/fee of any kind that I need to pay. They assured me that I do not need to pay anything. 

Eventually I got letters and phone calls from third party collection companies regarding the {$500.00}. I believed this to be some sort of scam since many random numbers called me and asked for money. Whether true or not true, I told the companies the insurance has covered it already. 

I was also given instructions to return the lease and car when I explained that I do not have a car to return, which is also why the {$500.00} Charge is incorrect. There is no car to return since it was considered a total loss. 

The next thing I see is my credit dropped from over XXXX to about XXXX. I had no idea how or why and I was told from the credit bureaus that it was because of the BMW collection. I explained that it was some sort of mistake and they suggested I check with BMW financial and the collection companies. 

I am writing this complaint today because I have tried for years at this point to resolve this matter and BMW is not cooperating. I asked what can I do to fix this and they keep referring me to write them letters asking how to remove it and BMW only replies " sorry it is reported accurately ''. I spoke to someone on XX/XX/XXXX with BMW and they said there is nothing I can do. I offered to pay balance, speak to someone, provide anything necessary to fix it and the refuse to cooperate. The current way they are reporting the situation is " Dispute resolved '' to XXXX and " Account Paid '' to XXXX. Also BMW is reporting it as a Paid Charge off to XXXX and a Paid Collection to XXXX. So there are many discrepancies between how its reported, what type of report, and that it is still in collection/derogatory even though it is resolved and account is paid for. 

I have been trying for years to cooperate and they are abusing the system with these month long delays that have turned to years. I have all the documentation to prove my innocence. I do not know where else to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints and until this is resolved I am going to continue before I engage an attorney. I need Wells Fargo and an outside party to go over the conversations starting in XX/XX/ when I first asked them about doing a home assistance program. I need them to LISTEN to the conversation that stated that my options at the end of the Assistance program is 1. pay the shortages at the end of the loan, 2. with a surcharge with the normal mortgage payment, 3. or in a lump sum. At the end of the assistance program, they advised me that I didn't qualify for this and my only option was 40 years. I kept asking why and they told me that isn't what I qualified for. I would have never done the program if the options were changed. I then am told that my hours being cut from XXXX to XXXX a week wasn't covid related, which I wasn't asked and it was. I then was told after my 1st complaint that they put me on 2 different programs that I was never aware of nor consented to then sold my mortgage to another company and continued to mark me late via the credit report. The calls need to be listened to entirely and I will not talk to a XXXX XXXX in their executive office who wouldn't let me speak and cut me off and raised her voice advising me that I don't need to be calling since I know I was wrong. She doesn't need to be in that office and I need a complete investigation done correctly
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX637 ( 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: Vehicle loan or lease

I paid off my auto loan around the first week of XXXX, 2023. Within the next week, I asked for a lien release letter or similar so that I could register my vehicle properly with the DMV. ( The DMV had requested that I get this letter so the title is properly updated. ) Bank of America repeatedly delayed any sort of tangible action in getting a letter processed. It has been over a month, and my temporary license plate is expiring. Still, Bank of America has not gotten the letter to me, nor made and good faith attempt to do so given the gravity of the situation and the time that has already elapsed ( about 1.5 months ).

The Bank refuses to send the letter by email, stating they can fax it. They also refuse to upload it to the online document center where I can find other letters and statements. Their attitude was basically one of dismissal and negligence, not worrying at all about the customer not being able to drive their vehicle due to expired license plates, refusing the most options to get a letter sent faster, like expedited sending, email, or online upload into their system which already handles letters and special documents. They state they can only send it by the slow mail system which takes 10 business days, but given the first one has not arrived, I have little confidence they will get it right the second time, and can not accept the risk of the second one not arriving on time and them trying the same thing a 3rd time as by then I will no longer be able to drive legally.
Product: Checking or savings account

I had an account with Wells Fargo and was charged a number of ATM fees for no reason. I also had a payroll check held for no reason and the account put on hold because they said the check was fraud. I closed my account with Wells Fargo however I feel I should be part of the consumer settlement however no one from the company contacted me. I guess they only provide the service for current customers.
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 and i did no make the charge. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal try, commsision identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX you have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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 or other personal consumer reports

For months I been discovering a lot of hard inquiries, opens account and phone account that wasn't made under my request. For an example XXXX  is on my credit report and I never even opened account with them myself I first reported to experian to get it remove and all experian did was update and kept on my credit report. I then reported it to identify XXXX because this is serious matter and now im contacting you guyss. I want alll these accounts that wasn't made by me ( XXXX ) also all inquiures removed from all 3 credit bureau ( XXXX XXXX, experian, XXXX ) also I never made a Inquirys about a car when I have my own car thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third Bank keeps sending me emails addressed to XXXX XXXX XXXX. I do not know who this person is, but they somehow got my email. There is not a category for this issue, but I've called, and emailed, with no response, and did so again after another round of emails saying I've changed my user name and contact information. After an hour on the phone and 2 agents, I was told my complaint was emailed to " XXXX '' who would get back with me in 7 to 10 business days. She could not provide me with a copy of that request, nor email me confirmation of the complaint. I don't believe there will be any response ... again. They can't tell me if I have an account registered with them, using my contact information, including my email. They keep asking me for my Social Security Number, but I refuse to give it since I never opened an account with them, and have no idea how they or Mr. XXXX XXXX got my contact information. 

I'm requesting : To be notified in writing To be notified in writing if an account has been set up in my name. 
How they got my contact information and what is going on. 
I want my email and any other contact information they have removed from their database. 
I want to be assured there are no fraudulent accounts in my name, or contact information. If there is an account registered to me, what are the last 4 digits of the SSN # I want these emails to stop. 

Thank you.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX To Whom It May Concern, I am writing to formally dispute certain entries on my credit report and to request your intervention in enforcing my legal rights as a consumer under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws.

The violations I am addressing pertain to unauthorized inquiries, questionable account information, and inaccurate personal data that have been inaccurately reported by various creditors. These violations have caused profound distress and hardship in my life. Allow me to elaborate on the impact these violations have had on me and my family : In XXXX, I experienced an unexpected family medical emergency that required urgent attention and significant financial resources. At a time when my focus was on the well-being of my loved ones, I discovered that unauthorized credit inquiries had been made without my consent by entities such as XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX These inquiries were not only invasive but also exacerbated my stress during an already challenging period. 

Furthermore, the inclusion of questionable account information on my credit report, specifically associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has further hindered my ability to secure financial stability. These inaccuracies have prevented me from accessing fair credit terms, imposing obstacles on my efforts to rebuild my financial standing after the aforementioned medical crisis. 

Additionally, the erroneous reporting of incorrect previous addresses, namely XXXX XXXX XXXX XXXX XXXX, AZ XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX, has led to confusion, misunderstandings, and potential identity-related concerns. I value the security of my personal information and find it distressing that such inaccuracies persist on my credit report. 

It is imperative that these violations be promptly addressed and rectified. I kindly request that the Consumer Financial Protection Bureau enforce the relevant provisions of the FCRA, FDCPA, and other applicable laws to ensure the removal of unauthorized inquiries, questionable account information, and incorrect personal data from my credit report. The emotional toll and financial setbacks caused by these violations have been profound, and I believe it is my right as a consumer to have an accurate and fair credit history. 

In light of the above, I urge the CFPB to communicate with the involved creditors and advocate for the removal of the unverified and inaccurate account information from my credit report. This action will not only restore my faith in the consumer protection system but also provide me with the opportunity to regain financial stability and peace of mind. 

Thank you for your attention to this matter. I look forward to a prompt resolution that upholds the principles of fairness, accuracy, and accountability in consumer credit reporting. 

Sincerely, XXXX XXXX