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

Please check the information concerning Experian in violation of 15 USC 1681i ( a ) 1 challenges the 30 day response time 15 USC 1681i ( a ) 6 ( B ) 3 challenges investigation protocol 15 USC 1681i ( a ) ( 5 ) B challenges reinsertion protocols
Product: Credit reporting or other personal consumer reports

The account that is showing on my credit report is XXXX XXXX XXXX  This is the collection agency that XXXX XXXX send a bogus account to that I never had with them. Now its hurting my chances obtaining new credit. 


I NEVER had any services with XXXX XXXX. I tried to switch over my cellphone from XXXX to XXXX ( XXXX ) through way of a promotion that showed up in my mailbox. While trying to transfer over my 4 lines of service it was discovered that XXXX wouldn't allowed the transfer of my phones and numbers so I cancelled the whole transaction and got confirmation that this transaction had been cancelled. Several months later I started getting notices that I had a bill due from XXXX XXXX ( XXXX ) when I didn't even have the service. I proceed to reach out to the the company several times and once I got a hold of a live rep I was assured that I didn't have any accounts ever with them and they would clear this matter. Now they cleared it alright by just sending the account to collections ( XXXX XXXX XXXX XXXX and allowing them to harass me and ruin my credit. I would like this account removed from my credit report after a FULL INVESTIGATION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Information Inaccurate Disputed - on XX/XX/2020 Inaccurate Charge off amount Inaccurate Charge off Date
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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
Product: Money transfer, virtual currency, or money service

Someone hacked into my Wells Fargo account and had others deposit unauthorized payments into my account which were then sent to XXXX and exchanged for bitcoin. The bitcoin was then transferred to the individual that hacked my account.
Product: Checking or savings account

XXXX Close my account with {$800.00} on my account never received and answer sin XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to AGGRAVATED IDENTITY THEFT pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX  ) I have not initiated any transaction with the following companies : 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 XXXXXXXX XXXX XXXX. XXXX XXXX Furthermore, i do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with COMPANIES listed above for review or collection.

Pursuant to 15 U.S.C 1681n ( a ) " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are far greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that my account, XXXX, is in direct violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ). 

Specifically : 1. 15 U.S.C. 1681, Section 602 ( a ) This section guarantees my right to privacy, which has clearly been violated in this instance.

2. 15 U.S.C. 1681, Section 604 ( a ), Section 2 A consumer reporting agency is prohibited from furnishing my account information without my written consent, which has not been obtained.

3. 15 U.S.C. 1666b Under this provision, a creditor can not treat a payment as late on an open-end consumer credit plan for any purpose. 

As such, I demand that the inaccurate late payment be immediately removed from my credit report and that the XXXX account be updated to reflect accurate information. This will ensure compliance with the Fair Credit Reporting Act. Failure to resolve this matter promptly will result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous amounts of letters to this company to fix the problem but they refuse to do so and have ignored my request my only sending me a letter that was completely irrelevant to my request. I sent this company a letter requesting that they update the account being reported to my XXXX  credit report because it is reporting payments being made that have not been made after the account has been closed, how can you be reporting payments when the account is closed? You are keeping activity on the account by doing that, so I then disputed this account with XXXX  and they didnt change anything wither. Im lost as to what I should do now but currently the account is being reported inaccurately and should be removed from my credit report, that is my final request but they wont do that either
Product: Debt collection

Collections Show All Dispute Options A collection is an account that has been turned over to a collection agency by one of your creditors because they believe the account has not been paid as agreed. ENHANCED RECOVERY COMPANY Dispute Item Agency Address : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$400.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$400.00} Last Payment Date : Status Date : XXXX Status : D - Unpaid Comments : N/A Continue Dispute Summary XXXX XXXX XXXX for : XXXX XXXX As of Date : XX/XX/XXXX Personal Information Accounts Negative Information Inquiries Copyright ( C ) XX/XX/XXXX XXXX XXXX
Product: Bank account or service

After making arrangements with Midland Funding LLC to pay a monthly payment of {$65.00} in 2013 three years later the company went im my bank account and withdrew three payments of {$75.00}, {$120.00} & {$2000.00} without my consent, there was no notification from anyone one concerning this matter.There was no contact from them as it regards to cautioning, additional arrangements or any other resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account on my report I do not recognize XXXX XXXX XXXX {$870.00}
Product: Credit reporting

We are in receipt of the response from XXXX dated XXXX/XXXX/15. 
Unfortunately they have not " deleted '' from my TransUnion Credit file the " Collections '' Activity INACCURATELY reported XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have mailed 3 certified letters to XXXX, XXXX and Equifax to remove inaccurate personal information. Today, XX/XX/XXXX my personal information remained the same and they have not removed any of my requests.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX, AR XXXX XX/XX/XXXX RE : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XX/XX/XXXXXXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : XX/XX/XXXXXX/XX/XXXX : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Mortgage

I usually pay my monthly mortgage statement balance with extra {$500.00} to the principal reduction and have been no problem to do this. However, last month {$500.00} went to not principal reduction to the escrow account. So I called them and left message through their website total 6~7 times. Every time when I call them, the manner of providing service of the agents were not nice. Some time they were yawning or giggling. Anyway they said your request is in process you should see the result in your screen in 2~3 business days, but it has been almost a month now, still I don't see the correct reversal in my account ( loan activity ) page. I'm so tire to talk to them now, and don't feel pleasure to speak with them. I want them to solve this issue ASAP.
Product: Debt collection

I am getting letters from Speed Cash regarding a debt I know nothing about. The past letter dated XX/XX/2022 says amount past due is {$1100.00}. They are also threatening to send this to a 3rd party collection.
Product: Debt collection

Hi, Today I received a letter from " I.Q. Data International , Inc. '' stating that I owed a Principal Balance to a previous apartment complex named " XXXX XXXX '' out of XXXX, CO in the amount of {$2700.00} + Interest of {$570.00}. 

I have confirmation that this debt was paid XX/XX/2021. I have provided proof and they want me to call back weekly - every Friday? 

This is false debt and has been paid and the amount showing on the account due from the apartment complex is fully paid with a {$0.00} balance from years ago. 


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

On XX/XX/2022 XXXX XXXX XXXX XXXX has furnished fraudulent information to consumer report by way of using false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. XXXX violates 809 Validation of debts, XXXX violates 812 Furnishing certain deceptive forms, XXXX violates 807 False or misleading representations. XXXX HAS BEEN FURNISHING INACCURATE AND INCOMPLETE INFORMATION TO MY CONSUMER CREDIT REPORT FOR THE PAST TEN ( 10 ) MONTHS. I AM DEMANDING THE REMOVAL OF ALL NEGATIVE INFORMATION AND REMARKS REPORTED FOR THIS ACCOUNT, INCLUDING LATE PAYMENT CLAIM, ACCOUNT STATUS, AND ACCOUNT HISTORY TO CONSUMER CREDIT REPORT AS WELL AS THIS ACCOUNT CLOSED and or Charged OFF. I am aware that FCRA doesn't not require creditors to report negative information & such should not be disclosed to any non affiliated third party without consumers lawful consent.This is a violation of 15 USC 1681S-2 ( 7 ) ( E ). The information displayed is not Fair and equitable to consumer. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, the consumer holds the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.
Product: Credit card

My wife is going through the exact same thing!! 
I called on XX/XX/XXXX, to close my acct. We tried to close his account b/c of the fee. He stopped using the card months ago. Amex tries to talk him into keeping the acct. He asks for a downgrade to a free card. None available. Amex claims that they ca n't reverse the annual fee for XX/XX/XXXX even though we have n't used the account since the fee was assessed on XX/XX/XXXX. Moreover, we stopped using the account months before the fee was assessed. Amex said we 'd have to talk to a supervisor but she was unavailable. We left her a vmx. No response. 

All we want is to close our acct in good standing with a zero balance. Amex thinks it 's fair to charge an annual fee of {$95.00} for a card we have n't used in months simply b/c we called XXXX days after the fee was assessed on an acct we do n't use. 

AMEX does this every single time. We have never experienced this with any other bank. Then Amex tries to charge late fees and interest charges based on the annual fee alone!!!!! This is unconscionable.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of 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 XXXX XXXX XXXX, VA XXXX XXXX XXXX CT # XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX 1912 XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX XXXX began taking automatic payments on my car insurance policy This policy was opened in XXXX and my policy premium was originally {$1900.00} or around XXXX/ month. However in XXXX XXXX, XXXX XXXX increased my rate to $ XXXX/ month without informing me of the premium increase either by email or post. Since the charge was made directly to my credit card, I did not notice the increased charge until XXXX XXXX at which time I cancelled my policy because I did not want to pay high premiums and obtained coverage from another source. I notified my credit card company and disputed the charges, and a partial refund was obtained for several months of overcharges. however not all of the overcharges were refunded because the credit card agency would only dispute claims from the past 3 months. Since then I have been battling with nationwide who claims that I still owe them a balance on my account and has sent my balance owed to collections and has threatened my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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

XXXX XXXX, a debt collector, suddenly put a collections on my report in XXXX from an apparent XXXX issue. When asking to provide documentation of the debt, they refused. I contacted XXXX and Equifax to dispute the collections and have them provide documentation or some sort of verification from XXXX XXXX and they did not. At no point have I lived at the address they quoted for service or done business with the original company.
Product: Money transfer, virtual currency, or money service

It came to my attention that my phone number was registered with Venmo although I have never had an account nor done business with them. I tried to register using my phone number and personal information but was met with a message indicating that my phone number is associated with an existing account registered to an email that is not mine and would appear to be a non-domestic email address. As a result, I contacted Venmo via the contact information on their website to advise them. They replied very timely and provided the following response. 

It appears that the phone number you are reaching out about is already on file with us. In order to look further into this, we'll need to verify some additional information. At your earliest convenience, please send along the following using our Document Upload Form : A picture of your unexpired US government issued photo I.D . Acceptable forms of I.D . include a drivers license, state I.D . card, passport, or green card. Please be sure that this is a picture and not a photocopy. We will not be able to accept a photocopy. 

A screenshot of your most recent cell phone statement. You are free to cover all information on the statement except for your name, the date, and the associated phone number. 

You can find our Document Upload Form here : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX We need to see your ID in full, so please do not omit or cover any information on your ID. 

This is a ludicrous request to ask a non-customer to provide personal documents and information like this. I want them to take action to disassociate me and my phone number from this service to prevent any unauthorized or fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Equifax received by certified mail, an ftc report, police report and affidavit of truth advising them of instructions on what to report as well as remove from my credit report. They have failed to follow my written instructions. 
On XXXX XXXX, 2021 XXXX disputed department received by certified mail my ftc report, police report as well as an affidavit of truth as well as a statement of violations. They were given written Instructions on what to report/remove from my consumer report. All 3 bureaus was sent all of the corresponding information. Everything that needed to be notarized was so.
Product: Debt collection

I got a letter stating I owe XXXX I dont understand how on my credit report the amount is XXXX Please explain how they can do that to a Person. 
The loan started at XXXX. 
Please help me fix this issue. 
This was for a car loan but it just kept breaking down and I I voluntarily had it repossessed. 
Bought XX/XX/2022
Product: Mortgage

We have single family rental homes which were originally financed through XXXX XXXX  in XXXX. We had XXXX loans and all was well. Then at some point, they sold the loans and servicing to XXXX XXXX -- believe it or not, everything was still handled acceptably for several years. Then about 2-3 years ago, they were transferred to New Rez for servicing and things begin to change. This problem started XX/XX/XXXX when one of our rental homes burned to the ground. XXXX XXXX is one of our carriers and they settled within 10 days as a complete loss and remitted a check to us payable to XXXX XXXX and New Rez for XXXX My wife called New Rez for directions and we complied with everything including endorsing the loss check, a payoff request from the servicing department, a letter with my directions to pay the existing mortgage in full and return the balance to me at my home address. We waited till XXXX and the loan had still not been paid in full. The loan on the burned house finally was paid off on XX/XX/XXXX and we thought maybe the balance due us would be coming back soon ( {$130000.00} ) After 10 days, I called and was told that it would be sent out the following Friday after XXXX by a XXXX card board envelope and we would receive on Saturday. It didn't happen. All I want is the balance of my insurance money {$130000.00}. I was told again yesterday XX/XX/XXXX that it would be sent to me in 17 days -- which is the same thing that has been conveyed XXXX other times since this started so I have absolutely no reason to believe it will happen this time. Besides the aggravation and the time on the phone and being told repeatedly the money would be sent, XXXX has dropped twice since this started which is adverse for the money that I was planning to invest. I am XXXX XXXX XXXX and beginning to think I am being targeted because of my age and they have no intention of returning my money. The loan number for this property at XXXX XXXX XXXX, XXXX Missouri XXXX is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account listed on my credit report. The credit bureau returned to me a response as updated without correcting the errors or deleting the account. Basically handing me back the same issues I disputed like they were corrected. I disputed this account because the information in which the credit bureau reflects is not 100 % accurate and is not Metro 2 compliant. I have highlighted errors for easy finding but yet they still failed to correct the problems or delete the item. My dispute was done in XX/XX/2020.