23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I checked my credit ( XXXX report ), and noticed that there was a collection account from AWA for over {$300.00}. I sent a letter to AWA collections requesting information and verification of the debt. My letter was returned to sender unopened from the correct address on file with the Secretary of State. AWA collections refused my letter, and because of this I have no choice but to File a complaint. That is a violation of the FCRA and the FDCPA. I will be forced to take legal action pursuant to 15 USC1692 and 15 USC1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to have this issue corrected and I have never received a response back. I was out of work due to COVID and had a loss of income and missed a payment. Before COVID I had a stellar payment history and never missed a payment, also all my deductions going forward are on auto-draft to avoid any late payments. XXXX XXXX is in clear violation of this matter due to the CARES ACT.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

After becoming aware of the Equifax Security Breach last week, on X/X/17 I availed myself of their website to check on whether or not my information had been breached. As per their instructions on their website, I completed the online form and received the on screen electronic response that my information " ... ... may have been impacted ... ... '' and it directed me to enroll in their " XXXX XXXX '' product. 

I subsequently called a contact phone listed on their website provided for victims of this security breach and queried them as to whether or not my information had/had not been breached and pointed out that their website had informed me only that it " may have been impacted '' and I wanted to know definitively if if had/had not been. They were unable to tell me and took my phone number and said that when they were able to determine whether or not they could make that determination, they would call me back. Not really an answer and it has been days, and I have had no return call. I also informed them that in addition to my own query, I made up a name and last six digits and submitted a separate query with a last name of " XXXX '' and last six digits of a SSN of " XXXX '' to which the electronic response was that my " personal information was not impacted by this incident. '' The appropriate response should have been that there was no record for the information provided, not that it had not been impacted. 

The individual on the Equifax special phone line only referred me back to the website query point and could not/would not answer my question. Furthermore, they could not even provide me a general phone number for Equifax so that I could further pursue it. It appeared to be a contracted third party that provided me nothing more than did the query webpage. Furthermore, it has been since last week and I still have not call back from Equifax. 

For my genuine inquiry, the response is inadequate. Equifax has obviously identified which files were breached and should tell consumers definitely if their information was stolen or not. There is a lot of work individuals must do to protect themselves if their information was breached and if with this kind of ambiguous response, an individual does not know if they need to undertake the arduous and costly task of further protecting themselves. 
In addition, Equifax should be providing free LIFETIME monitoring, not just a one year program that I will have to pay for beyond that one year period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : {$9000.00} ; XXXX XXXX .... Balance : XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$520.00} ; XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXXXXXX ... XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX .... Balance : {$2200.00} ; XXXX XXXX XXXX XXXX .... Balance : {$980.00} ; XXXX XXXX XXXX XXXX ... XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX ... XXXX Balance : {$180.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX  XXXX XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  Date of request XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These two accounts seemingly sharing an account number, were both opened fraudulently on XX/XX/2015. I've since certify mailed a dispute letter including Identity theft report, affidavit, social, ID, and utility bill for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting a credit bureau after several attempts to change my personal and legal information. Equifax lied and send other falsified information to my house pretending they have made changes under my name. Which causes severe damage to my financial and personal information. Now, creditors, lenders, and Landlords soon banks might not be able to verify my personal information. Every other company but Equifax refuses to change the wrong name that they have on file. CFPB advised me that they sent all this information to Equifax yet still Equifax lied both to CFPB and myself the consumer that my personal information was an agent. I have received pushback. An Equifax agent placed me on 30min hold waiting on the supervisor due to pushbacks. Their own system has issues matching my mailing address with my social. I'm very scared that Equifax trying to still my information. Equifax is providing the wrong information to creditors and lenders. Creation defamation of Character puts me at very high risk for someone to still my identity. I have no control over what Equifax is providing. They have hidden my information on their website. Equifax is violating Creditors give reporting agencies inaccurate financial information about you. The investigation needs to be done on Equifax. I believe they are retaliating because of the data breach lawsuit and Now, they are over verifying, and bullying consumers.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Relations XXXX XXXX XXXX XXXX PA XXXX Dear sir, Upon the perusal of the TransUnion Personal Credit Report , I would like to dispute and ask the investigation on the following : On the pages from XXXX to XXXX, on the section Promotional Inquiries, following I do not receive any promotional offers from these credit card companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even though I have the account with XXXXXXXX XXXX XXXX, we live in the rented place, and I have never seen the home lending from XXXX, as far as I remember. 
The last one, XXXX XXXX XXXX  as far as I remember, I might have received the offer, such as auto insurance ; however, we have the insurance with another company and considered as a garbage. 
I wonder why there was no soft inquiries in XXXX Credit Report from : XXXX  so-called XXXX office ( XXXX ) totaled XXXX times. 
XXXX XXXX totaled 5 times. 
XXXX XXXX XXXXXXXX once XXXX XXXX once XXXX XXXX totaled 4 times. 
XXXX XXXX XXXX once XXXX XXXX XXXX once XXXXXXXX XXXX  once. 
XXXX XXXX XXXX XXXXXXXX once XXXX XXXX XXXX times As I am not familiar since I am a XXXX nationality, I request the concise and clear explanation why these discrepancies exist between XXXX and TransUnion. 

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

I am bringing this complaint forward as I have contacted this credit bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. 
The accounts are listed here below : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lenders are showing charge-off of accounts that were closed XXXX. Nordstrom TD Bank original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX XXXX original charge XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX original charge-off XX/XX/XXXX. They are all more than 12-24 months old and must be moved from my credit as they are destroying my credit score.
Product: Credit card or prepaid card

I received a unsolicited credit card from BBVA in the mail for an account I closed about 5-10 years ago. I called them up told them that I did not apply for this credit card. They said the plastic was a replacement card for a closed account and that it was due to an error in their system. The representative then proceeded to ask personal information like my phone number, home address, email address and drivers license number.

If the representative had stated that it was an error in the system and apologized and then ended the call with that, I wouldn't be so suspicious. But by asking me for personal marketable information indicates to me that this whole thing was an illegal marketing ploy to get updated marketing information from me. Why else would he ask for information to update a closed account? He ended the call telling me that BBVA is there to help if I wanted to open a new account.
Product: Debt collection

I have already sent XXXX letters to the company in question. They have yet to comply with either XXXX. They keep calling and bothering me about some account that I know is not mine because I have never heard of this place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my Equifax credit report that do not belong to me that have to be a result of fraudulent activity. Ive tried on multiple occasions to have them removed, but Equifax is refusing to remove them. I have no accounts with these companies nor have I ever given these companies consent to run my credit. The accounts and dates are as followed : XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX  XX/XX/XXXX and XXXX on XX/XX/XXXX. I am requesting that all of these inquiries be removed immediately as they arent mine. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

I did not get any services from ELEVATE RECOVERIES LLC nor did i authorize the sale of my personal information to a company for any reason
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

There is a company called " XXXX XXXX XXXX XXXX reporting a collection amount of {$880.00}, and they are NOT reporting this account accurately, because it is reporting on my credit report under a middle name spelled " XXXX ''. That is not me and that is not my name, and I don't remember this alleged debt, and they are NOT suppose to be reporting late payments, because this account is labeled as a collection. Even though they are reporting late payments for the month of XXXX, XXXX, and XXXX of XXXX. Also, I sent a validation letter to this account on XX/XX/XXXX. This company was NOT able to validate this account. It has been very stressful and I have even sent an " Affidavit of Truth '' along with a " Cease And Desist letter on XX/XX/XXXX and they have had plenty of time, over 30 days ago to fix this problem, but they STILL haven't. I also sent a " Reinvestigation Request Letter '' to " XXXX '', " XXXX '', and " Experian '' on XX/XX/XXXX and I STILL have not received any reply from them.
Product: Credit reporting or other personal consumer reports

After submitting multiple disputes with supporting documents still they failed to correct my report. Causing anyone requesting my report to see incorrect information.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the
Product: Credit reporting, credit repair services, or other personal consumer reports

Company could NOT verify this account belongs to me. Two other credit reporting agencies REMOVED this account. This account can NOT be verified, as I was NOT on the lease anymore when this collection was created for an old roommate. This is fraud and needs to be REMOVED. 

XXXX XXXX  {$7700.00}
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX. I am filing this form out today because I have recently find out that I have been an victim of identity theft. Ive recently found out through my bank XXXX XXXX XXXX XXXX that someone has been inside my account charging my accounts fraudulently buying things with my debit and credit card and running 2 accounts to the negative. So I ran my credit with XXXX XXXX reported and found out that my Social security number along with my email has been compromised to the XXXX XXXX due to an breach that occurred with XXXX XX/XX/2021. I am looking to get help because they have ruined my credit put my accounts in the negative opened fraudulent accounts and even used my social security number to apply for an house thats constantly calling me saying I am in debt at a place that I have no knowledge about! This situation has set me back major I am getting denied for things I need for my family because these hackers have destroyed my name and SSN.I have attached a police report and an FTC report below.
Product: Credit card

CapitalOne/Pottery Barn statement dated XXXX XX/XX/year> ; paid full balance of {$2500.00} on XXXX XX/XX/year>. On XXXX XX/XX/year>, received email statement from CapitalOne/Pottery Barn that a balance of {$13.00} was due by XXXX XX/XX/year>. Balance was for Interest Charged on account. 

Called Capital One to ask why I was charged interest on XXXX balance ; rep said that interest starts accruing on the account at the beginning of each billing period. In other words, additional interest starts accruing the day they send me a statement. My concern is that CapitalOne/Pottery Barn will continue to charge additional interest on the account since a new billing period has already started. 

I made the required payment while online with the representative, which they confirmed showed on the account. I requested the account to be closed and a formal complaint be registered. The rep then proceeded to tell me that I had to agree to all their disclosures before the account would be closed. A supervising rep repeated all the above ; I agreed and repeated my request for the account to be closed. CapitalOne/Pottery Barn then kept asking me if I wanted the account closed. I emphasized that I had asked repeatedly for the account to be closed. 

This is not the way to treat consumers!
Product: Mortgage

I bought my house on XX/XX/XXXX and was required by the lender to have an escrow setup to pay my home owner 's insurance, PMI and property taxes. In XX/XX/XXXX of last year I received my property tax bill from the county ; the amount due was {$730.00}. XXXX, my mortgage company, did pay my property taxes in XX/XX/XXXX in the amount off {$1200.00}, although the county was still showing me as delinquent on XX/XX/XXXX when I received a delinquent notice from them, XXXX had not paid to the account number associated with my address. After getting that resolved the county said i had overpaid by {$460.00} and was due a refund, this was on XX/XX/XXXX. I sent the county a request for the overage to be sent to me in a check. I waited a month and still had not received the refund check so i called the county to ask why, and they told me that XXXX had been calling them about the refund and wanted the check sent to them instead ; The county is still holding the refund while this is being resolved. The beginning of XX/XX/XXXX I received my escrow analysis from XXXX and they are still overcharging me monthly for property taxes, they're also saying I have a shortage of {$250.00} in my escrow and my payment to cover the shortage will now go up by {$35.00} a month. I have sent them numerous emails and called several times to try and resolve this matter and prove to them that I am being overcharged for property taxes every month and that I shouldn't have a shortage in my escrow because i ended XX/XX/XXXX with a surplus of {$120.00}. XXXX either doesn't respond in a timely manner, like their website promises to do or they insist that the amount they are charging me on property taxes is what my county is saying I should be paying ; That is an out right lie, my property taxes did not go up by almost {$500.00}, I don't know where XXXX is getting their information, but the county says I will not be paying anywhere near the {$1200.00} that XXXX is charging me.
Product: Debt collection

This matter started in XX/XX/XXXX to XX/XX/XXXX. First received a call from Portfolio Recovery stating they were trying to collect a debt from my ex-wife and because she has a problem writing and reading English I offered to help. I first told them I would remit a check in the amount of {$170.00} if I found that she owed the debt to XXXX XXXX. They advised that XXXX XXXX had sold them the debt. They pressed me to send the check that day but I told them that I needed to check to see if she owed the debt first. After checking with her found that she had continued to pay the amount in question directly to XXXX XXXX and the next time they called I explained the above to them. They said they had no knowledge of her payments. I then asked them to provide written evidence of this debt and hung up and found out a week later she had not received any information from them. They called again and I reminded them they had not sent any information evidencing the debt, also reminded them she had made payments directly to XXXX XXXX and they became insistent we should pay without having the evidence. I eventually hung up on them and that is when the barrage of calls started. I have received at least 15 calls from them on an every other day frequency. Each time the individual on the phone denied they had called and when I ask for them to check their records they refused and continued demanding the payment and also requesting how they could contact her directly. I refused and at least 10 times now I have demanded they stop this barrage of phone calls even telling them that my phone was on the do not call list but as recent as XX/XX/XXXX at XXXX they are still calling. Please have them cease and desist with their phone calls making demands for payment of this debt.