23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXXL ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX BALANCED {$300.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX BALANCED {$440.00} XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$77.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$670.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$11000.00} XXXX XXXXXXXX BALANCED {$100.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$1600.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX BALANCED {$420.00} XXXX XXXX XXXXXX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that XXXX XXXX XXXX has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization.
Product: Credit reporting or other personal consumer reports

I contact Equifax and let them know I never had an account with XXXX XXXX XXXX in with XXXX XXXX sold the account to debt collectors XXXX investigated and they removed the account
Product: Debt collection

I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. Me and my father share the same common name. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.
Product: Debt collection

I was contacted by  Rauch-Milliken International , I  XXXX  on behalf of  XXXX   XXXX    XXXX   concerning an outstanding obligation of {$1300.00}. The amount due was related to advertising in the  XXXX   XXXX   XXXX . I was disputing the amount due with  XXXX   XXXX  since the advertising provided was late and it was not in the agreed upon format. The account was turned over to  Rauch-Milliken f or collection and they proceeded to send threatening letters suggesting they would purse asset attachment or seize my bank accounts unless I paid the outstanding balance immediately. I also received several harassing phone calls threatening the same. The representative suggested he was calling from an attorney 's office as opposed to a collection agency. I explained that I was in discussion with Home Pages directly and that I was disputing the amount due but they continued to call repeatedly. They also contacted my employer despite my instructions to only contact me on my cell phone. In addition, they sent a threatening fax to my attention at my work fax number. I spoke to a  Rauch Milliken re presentative on the phone on two occasions and in both interactions the representative threatened legal action, used profanity, and even called me a " dead beat '' for not paying my bills. This company is completely unprofessional and their collection tactics are in direct violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1. XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3. Rent Recovery Solutions XXXX BE ADVISED, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but A request for " Validation '' made pursuant to the above-named TITLE and Section. I respectfully request your offices to provide me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices keep reporting invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX AND XXXX ) THIS ACTION MAY CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. You are in VIOLATION OF the Fair Credit Reporting Act, VIOLATION of the Fair Debt Collection Practices Act, and DEFAMATION OF CHARACTER ( per se ). These Accounts are not mines.
Product: Money transfer, virtual currency, or money service

On the dates of XX/XX/XXXX, XXXX, and XXXX, the amounts of XXXX ( {$110.00} ), XXXX ( {$130.00} ), and XXXX ( XXXX ) were sent to the merchant via PayPal. 

The seller had requested additional payments after meeting the price we agreed on. ( The person had also insisted that I send the payment to them as friends & family. Presumably to omit my buyer protection rights. ) After the 3rd payment was made to them, I didnt hear from them for a few days - no updates as I requested, or as they agreed. 

Later on they contacted me again, requesting a 4th additional payment. I then realized that I was being scammed, and made to file this report. 

I have already informed PayPal, who also requested extending this issue to you, consumer protection. 

The seller had previously agreed to refund my money, and cancel the order/service. But are now refusing. I feel like the victim of a scam.. 

Please help me resolve this issue. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that the Consumer impacting unethical incentives, misleading process, and incompetent processing by Citibank AND Home Depot is resulting in considerable financial damage to me personally. 

My credit report shows a {$200.00} balance was charged off by Home Depot AND Citibank. I was NEVER sent a physical charge card. I was NEVER sent ANY statement. 

I have carefully built over a 40 year credit history with no missed payment. This unethical and incompetent behavior by Citibank and Home Depot is impacting me financially. 

The reporting shows I applied for {$200.00} credit during checkout process during XXXX as part of instant credit offering and it was not paid back. But, again, I NEVER received a charge card, not did I ever receive a statement from either Home Depot or Citibank. 

My request is to remove this damaging information from my credit report. I offered to pay {$200.00} even if the checkout clerk opened an account in my name without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX claim that I owe a mortgage amount of {$120000.00} within my credit report. XXXX XXXX is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which XXXX XXXX reported back in XX/XX/XXXX within my Equifax credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX Equifax correct documents when XXXX  XXXX reported it CLOSED/CO. XXXX XXXX started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. XXXX XXXX is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.
Product: Checking or savings account

I deposited a check on Tuesday XX/XX/XXXX i called XX/XX/XXXX to see when the funds will be available i was told they would be available that friday XX/XX/XXXX after XXXX on friday i checked my account the money wants there the check says posted but nothin is in my account i called the bank navy told me they were told by the federal reserve to put a 5 day hold on my check. i called the XXXX XXXX to verify the funds since that is who sent the check to get them to help they confirmed everything was done right on their side i called navy again and was told the same thing about the five day hold i then called the federal reserve where i was informed they can not tell the banks to put holds on checks they only handle the transactions and movement of the funds. navy has given me false information on several accounts and has done nothing to fix the problem im gravely disappointed and sadden by the the lies i have been told as well as with they customer service not to mention they had extremely long hold times and none of the reps were really understanding or trying to help they made me feel like i was the issue
Product: Credit card or prepaid card

They wont approve me fir a credit card their system doesnt even check my credit to see when I call they refuse to assist me tell me no that based on a past account this is nkt what they told me it was closed due to credit reasons I was told I would be able to have a card and reapply but their system treated me horribke without even trying to pull my credit and qualify me for a card its just canceled and internal reason
Product: Debt collection

This letter is in response a letter dated XX/XX/2018 from Resurgent Capital Services claiming I owe them {$970.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay Resurgent Capital Services this amount.
Product: Credit reporting or other personal consumer reports

I have requested verification in writing of the accuracy of this information for over 4 months now. All I receive is a comment stating that the info has been verified, with no details of written verification. Per 15 U.S. Code 1681s the credit reporting bureaus can not report inaccurate info! 

1. XXXX reports timely payments for XXXX, XXXX, XXXX and XXXX ; it shows it as open but is a CLOSED CARD as of XX/XX/XXXX! 
2. Experian reports it was closed in XX/XX/XXXX 3. XXXX shows it being closed in XX/XX/XXXX XXXX. This card was closed XX/XX/XXXX! 

Furthermore, XXXX posts a 'Date Opened ' of XX/XX/XXXX and 150 days late, Experian and XXXX post a Date Opened as XX/XX/XXXX and 120 days late on a card that was NEVER LATE because it was closed BEFORE the dates being reported as late! 

Dates last active, Dates of last payment are conflicting and inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please see attachment.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent reporting of the attached-referenced account, which has been incorrectly placed on my TransUnion credit report by XXXX XXXX XXXX XXXX XXXX The original account with XXXX XXXX XXXX was already successfully disputed and removed from my credit profile due to fraud and identity theft. However, TransUnion is now reporting this account under XXXX XXXX XXXX XXXX, which is still linked to the fraudulent XXXXXXXX XXXX account. 

This account does not belong to me, and I have previously sent multiple police reports, FTC identity theft affidavits, and CFPB complaints proving that I was a victim of identity theft and that my personal information was compromised in multiple data breaches from XXXX to XXXX. 

Under FCRA 605B, I have the right to request an immediate block of fraudulent information from my credit file. Since I have provided police reports and FTC identity theft documentation, TransUnion must remove this account without requiring further verification from XXXX XXXX XXXX XXXX. 
The continued reporting of this account violates my rights under federal law. 
Failure to Conduct a Reasonable Investigation ( FCRA 611 & FTC Guidelines ) I have previously disputed this fraudulent debt and provided substantial proof of identity theft, yet TransUnion has failed to properly investigate and has instead reinserted this account under a different name ( XXXX XXXX XXXX XXXX ). 
The CFPB has filed lawsuits against major credit bureaus for failing to properly investigate disputes and wrongfully marking valid disputes as frivolousthis is a clear violation of FCRA 611. 

As a third-party debt buyer, XXXX XXXX XXXX XXXX XXXX XXXX verifiable proof that this debt is valid and that I am legally responsible for it. 
Under FCRA 609, I have the right to request the original signed contract proving I agreed to this debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX must cease all collection activities until they provide sufficient validationfailure to do so constitutes an FDCPA violation.
Product: Checking or savings account

XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX Company required a deposit of 50 % of total charges which was non-refundable unless the agreement was cancelled within 3 days of signing. Total amount of {$1200.00} was deducted from my checking account via bank transfer. The company then increased the total charge twice, once prior to pickup and again at the time of pickup. Total charges went from {$2300.00} to {$3500.00} prior to pick up. When the movers arrived to load the items, they raised the price again to {$4100.00}. At this point I had only two options - pay the new outrageous price or cancel the service and lose my deposit. I chose to cancel the service. 

I have since entered a new contract with another moving company which quoted me a price of {$2000.00} to be paid on delivery for the exact same inventory as the one contracted with XXXX XXXX. My items were loaded on XX/XX/2021 and delivered on XX/XX/2021. 

My complaint centers on the fact that they could arbitrarily increase the price, which they did without even examining the items to be moved, giving me no choice but to cancel the service and lose my deposit of {$1200.00}. It was a win-win situation for them and a no win situation for me. They kept upping the price until I had no choice but to cancel. 

I reported them to the XXXX  which shows they have a history of repeating this scenario many, many times. 

I can provide copies of the agreements if requested.
Product: Credit card or prepaid card

Netspend is being used as a gift card but it is really ( on the fine print ) a debit card at XXXX for which you are now an account holder and they require your social security number to active a prepaid card given as a gift. This is not a gift card. It is predatory prepaid debit card that I received for the holidays and can not use in any way unless I provide a social security number as though I am opening a bank account with a bank I have never heard of. When calling customer service they redirect to a perpetual holding queue and never acknowledge the customer issue of wanting to use the funds given as gift card. They are illegally collecting personal protected information and selling it to the highest bidder. The person who bought this as a gift card had no idea that each transaction is charged with a fee which should not fall into the category of gift card use or any prepaid card use. I want action to be taken against them as they are conducting fraud and taking people 's money and personal information without permission.
Product: Checking or savings account

My wife passed away on XX/XX/XXXX from an accidental fall. After receiving the Death Certificate I went to XXXX Bank XXXX XXXX XXXX XXXX XXXX, KY XXXX. I asked to talk to the Branch Manager and I informed her of my wife 's death. I presented to her the actual death Certificate, the Signed Will ( Not a Copy ) Marriage Licenses, ID etc. She informed me I could not close my wife 's account without a Simple Estate Affidavit. I informed her I was going back to Arizona the following day and could I get XXXX there and she said yes. After towing her car XXXX miles back to Arizona I obtained a Simple Estate affidavid from XXXX XXXX XXXX # XXXX Office : ( XXXX ) XXXX, Ext. XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Arizona XXXX I paid {$150.00} for the Document. I then went to XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I had an appointment and prented again the death certificate the will and the affidavit. He said you have everything you need and he put it in the computer and called legal and they informed me I had to take it to Probate in KY. I informed the Branch clerk XXXX that if the amount was under {$30000.00} Probate was not required. He said there is nothing I can do. I informed him I just paid {$150.00} for a document and said because I was given the wrong info I wanted a refund. I went home very disgruntled as this banking institution was giving me the runaround and costing me a lot of my time and money. I called XXXX bank to talk to the legal department myself and was given an Address only. The lady on the phone gave me info on someone that may help me and after 2 weeks this is the email she sent which was more wrong information " Hi XXXX, Thank you for speaking on the phone with me today. I wanted to follow up with you via email with information regarding legal documentation needed to gain access to any account that you are not a co-owner or beneficiary of in our system. 

If you take the Last Will and Testament to get certified in the probate court system, you will get a document titled Letters Testamentary, Letters of Administration, or Letters of Appointment. This document would essentially certify you as the personal representative over XXXX estate and it would allow us to be able to close her solely owned accounts and issue funds made payable to the estate. 

Please let me know if you have any additional questions. 
Sincerely, XXXX XXXX XXXX XXXX Events Senior Specialist I informed her again this DID NOT NEED TO GO TO PROBATE COURT its under {$30000.00}. So I finally got me a Lawyer in Kentucky and they said I just need a " Petition to Dispense '' so This is what I am currently doing BUT it going to cost me {$500.00} plus filing fees and plus the {$150.00} fee I alwready waisted my money on. THI IS ABSURD YOUR COMPANY IS TREATING LIKE THIS DURING THIS SAD TIME. AS SOON AS THI IS OVER I AM PULLING ALL MY FUNDS OUT OF US BANK WHICXH I HAVE BEEN WITH MANY MANY YEARS
Product: Debt collection

Virtually every day from XXXX until XXXX I have received anywhere from 2-7 phone calls from a XXXX number that asks for me by name. Several times the calls are dropped and the few times they stay on the line refusing to identify who they are. One time I gave them the information they requested and they told me that I owed a debt to XXXX. I told them I did n't believe that was the case but that if that was I would take it up with XXXX because i did not feel like giving out my information over the phone to a company i had never heard of. 

They told me that XXXX XXXX XXXX could not help me and that I must pay through them. I told them I would not be doing that. 

I subsequently paid this off through XXXX XXXX XXXX - meaning this debt collection agency not only called me obscene amount of times but also clearly lied to me.
Product: Debt collection

XX/XX/XXXX - This collection was removed before from my report, because another company had no validation or proof of debt XX/XX/XXXX - this collection was placed back onto my account by this company ( rent Recovery ) XXXX Disputed these charges because once again this company has not provided me with anything. 

XX/XX/XXXX - noticed this collection was on my account again XXXX I contacted company, they gave me refusal of account information XX/XX/XXXX - contacted company I was told by the agent handling my account that I will not be receiving a Validation of Debt Letter because they do not have to provide one anymore. I explained that was against the law to tell me I have no right to challenge the debt. I provided a mailing address where they could send the information and was once again denied. 
This claim was from XXXX and is also past the Statue of Limitations, I have asked this debt collector several times to remove this.
Product: Mortgage

Debt Collector ( s ), Obligors, Debtors XXXX and XXXX XXXX are attempting to collect an alleged debt of the Consumer. The named debt collectors are engaged in illegal acts by simulating a judicial court affiliated with the United States. The debt collectors were served numerous notices under federal consumer statutes but fail to comply. The debt collectors are attempting to seize the private property, consumer goods of the Consumer under the guise of Foreclosure which is not being performed in a competent judicial district under 15 USC 1692i. The debt collectors are not exempt pursuant to XXXX, XXXX under federal law. This debt collector is taking illegal non judicial actions in violation of the FDCPA, 15 USC 1692, Identity Theft, XXXX. The FTC has a report by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}