23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1993 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Todays XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter  very serious XXXX  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXXistrict of California Stop collection proceedings against me Signatures on  applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1993 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Mortgage

Valon mortgage bought my mortgage then would not transfer my insurance. I called multiple times and was assured it was being handled. They allowed my XXXX  to lapse so they could sell me their own XXXX at a very high premium. My mortgage went up {$300.00} a month to cover their in house XXXX plan. I believe that since my mortgage is XXXX XXXX  they couldn't buy it and make any money so this is how they do it. I could not get another insurance company to cover me because Valon showed my XXXX  had lapsed. When they wrote the new policy they back dated it to my " loss of coverage '' date so there is no lapse of coverage either.
Product: Credit reporting

After becoming a victim of ID Theft, I obtained a police report from my local police department. With that, I notified all XXXX credit agencies, to put a fraud alert, or freeze my reports. I then filed a complaint with the FTC, and combined that with my police report, and wrote a detailed letter to Experian, explaining exactly which accounts have been effected by identity theft. I send these certified mail, and it has cost me nearly {$40.00} in mail. 
They simply respond with apparent " Stall Tactics ''. XXXX reply dated XXXX XXXX, says " Take some time and review your credit report, look for fraudulent activity '' I clearly told them of each account. I immediately contacted the Fraud department at Experian, with my " CreditCheck Monitoring '' service I have paid for for several years. The man I spoke with, said he thinks the police report looks " Fake '' and laughed. 
I assured him, it was not fake, and to contact the officer to verify the information. He advised me, this police report was not notarized, and therefore worthless. I got the document notorized, and faxed it to the Experian Fraud department. I followed up, with the notarized copy of the police report, and notarized FTC report. 
Experian 's response on XXXX XXXX, is to now include more information. Now it must have nearly XXXX additional pieces of information, I have already provided. 
I contacted the police department, and they do not complete separate police reports, simply because XXXX credit reporting agency refuses to comply with the law. 
Experian refuses to block the fraudulent information from my report. I am trying to keep up with this fraud as its piling up, and they will not even begin assisting me. I have spent XXXX dollars providing them all this information, by taking time off work, visiting police stations, and investigating several databases. They MUST start doing their job!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly a charge off for {$1000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in a car accident and deemed a total loss. I had GAP insurance which covered the full amount for the vehicle. Please see a copy attached from my insurance company. There is no outstanding balance due on this account. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Auto loan company called at XXXX I was in bed and thought it may have been my mom I answere the phone and the lady was calling to collect on our auto loan payment. I let her I would pay in three days and it's not 30 days late. She proceeded to try to harass me into making a payment I let her know I would make it. She kept insisting I make the payment now and I let her know it was late and after XXXX she didn't seem to really care and said she was just trying to collect payment. I let her know she isn't allowed to call after XXXX and so I hung up.
Product: Money transfer, virtual currency, or money service

My identity was fraudulently used to create and use a cash app account. I then received a 1099-K saying I made over $ XXXX. I am trying to get the account closed and get them to cancel the 1099-K with the IRS. 

I contacted cash app support on the phone and they sent me an email requesting additional information, which I completed. I have not heard back. This is absurd.
Product: Credit reporting

On XXXX I filed a dispute with Experian disputing the following accounts. But they never responded to my dispute. I disputed that the accounts below is not reporting accurately. 

Here are the accounts that I XXXXXXXXXXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX & XXXX BANKXXXX
Product: Debt collection

I am slightly behind but making progress on my past due loan. They call multiple times a day, everyday, even on Sundays. I tell them everyday to stop harassing me and that I will catch up, soon. The calls continue. It is a robo-dialer.
Product: Bank account or service

I had a checking account XX/XX/XXXX with Huntington Bank. I had a item that returned and was NSF fee at the time. This fee was unpaid due to the lack of me being able to afford it and over time the fees were just tacked on to make my balance {$170.00}. I have since then filed bankruptcy in XX/XX/XXXX. Today, I have a checking account with this same bank and have for a year now. Today I wake up to my account being short {$170.00} because they decided after three years and since then a new account, they would take their money without me being aware of it. This debt has not only been sent to collections but was also included in my bankruptcy.
Product: Debt collection

The original company is XXXX I don't owe them any money.  They also sent letters to an address that is not mine. and once I received notification from Convergent Outsourcing I contacted them about the debt.  When I spoke with the XXXX representative the person told me that she could not access my old account to even provide me with any information.
Product: Mortgage

This is to further a complaint I filed with Wells Fargo. They blatantly are lying to the CFPB in the response to my first complaint. They said they have not been able to " establish contact '' with XXXX XXXX, so they need up to an additional 60 days to further investigate. This was today I received this response. I knew they were crooked, but this is absolutely disturbing. They are lying, we have had numerous communications with Wells Fargo. My XXXX, XXXX XXXX XXXX, has written letter upon letter, called XXXX times, and can't even get online to an access her Wells Fargo account online. Wells Fargo is not investigating the complaint, but they are buying time to foreclose on our home. And XXXX, XXXX XXXX XXXX was in court via XXXX, where she did not even get to say a word. Wells Fargo yesterday intends on moving forward to dismiss the unknown occupants ( which the first affidavit said the home was VACANT!, which was also a lie! ). Meantime, on Sunday XX/XX/XXXX at XXXX. there was a XXXX XXXX sheriff knocking on my door, with papers to serve from Wells Fargo. This was the second attempt to serve me ( unknown occupants ). The COVID CARES ACT allocated funds to be directly distributed to Wells Fargo, why is it that we can not get this money? Why did the forebearance period end and ignoring our requests for loan modification get ignored? They went STRAIGHT TO FORECLOSURE AND NOW THEY WANT 60 DAYS TO ANSWER AND INVESTIGATE A COMPLAINT BUT THAT WILL BE TOO LATE! THEY WILL HAVE ALREADY AUCTIONED OFF THE HOUSE. I LIVE IN WITH MY SON. we have told Wells Fargo from XXXXXX/XX/2022 that We have a debt free XXXX property that is closing, and we have had every intention of paying them with this money. Regardless of that, they have moved forward to accelerate the note, and foreclose. Now the CFPB has advised me to get an attorney. Why is WELLS FARGO STILL ALLOWED TO REGULATE THEMSELVES!!??? THIS IS CROOKED! THIS IS WRONG!!!!!!!!!!!!! and they will continue to get away with this. Its pathetic.
Product: Credit reporting or other personal consumer reports

Hello, I've had reached out several time to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to send over an original signed agreement contract showing that I am obligated to pay XXXXXXXX XXXX XXXX a debt of {$310.00} which that I do not owe them and they fail to comply to my request on sending over the original agreement showing that I owe XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. They sent over a copied doc of a signed paper of a break down bill from a different company besides themselves which the signature on the paper does not match my signature. This is most definitely violating my rights under 48 USC 2106 Failure to regulate business practices by law. 

If the furnisher can not provide evidence to verify the accuracy of the information after a dispute, they are required to remove or correct the information in the credit report.

Also, there are two different balances being reported on my credit report and mailed out by XXXXXXXX XXXX XXXX {$300.00} and {$310.00}. This falls under 15 U.S. code 1681s- inaccurate information
Product: Debt collection

XX/XX/2024 LVNV Funding LLC {$550.00} LVNV FUNDING LLC THIS INSTITUTION IS REPORTING NEGATIVELY ON MY CREDIT REPORT! I DO NOT OWE THEM, I HAVE NEVER SIGHNED ANY AGREEMENT, PROPOSAL, OR CONTRACT WITH THIS INSTITUTION! I AM DEMANDING THAT THEY EITHER SHOW ME AN ORIGINAL CONTRACT SIGHNED BY ME OR IMEDIATELY REMOVE THE NEGATIVE ACCOUNT FROM MY CREDIT REPORTS!
Product: Checking or savings account

I visited a branch in XXXX regarding my DC Citibank account to reconcile the account which was overdrawn by {$19.00}. I was told that the account was closed, then received an email attempting to collect {$52.00} for an account that I was prevented from reconciling due to Citibank 's procedures. 

This is predatory and discriminatory. As a person with XXXX currently in litigation, this is not what I expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX, XXXX of XXXX XXXX XXXX account # XXXX violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This account is fraud and not my account. I do not know what this is I.C. SYSTEM, INC Balance : {$300.00} Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$21000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$21000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute these items on my own with the companies but i havent had any success.Please delete and block these two accounts for my credit report : XXXX XXXX XXXX {$3400.00} XXXX XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I receive an email from this breadfinancial aka Comenity bank with good XXXX rewards card open with {$400.00} Id never apply to this company Im out of the country dealing with a family emergency so I did try to contact the company and they saying I have to wait
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to state that I opened an account with XXXX XXXX XXXX in XX/XX/2022. I hav n't opened any account with them. Credence Resource Managment has stated that I own {$130.00} to XXXX XXXX XXXX placing this on my XXXX report. I have disputed this statement twice that I know of. The first time it was filed by a different company. This time I filed a complaint with Credence Resource Managment. In the past, I have asked the first company to supply the original documents/contract for services and notified them that I did not start the account on XX/XX/2022. To date no documents or correspondence has been provided pertaining to this XXXX & XXXX account. I didn't open this account and I am not aware of anyone who has. Nor have I given permission and authorized anyone to start an account with XXXX XXXX XXXX. Also, the account states that it is closed. But has the open balance of {$130.00}. This appears to be unfair practice by XXXX XXXX XXXX to collect monies from me that I do not owe by posting them on my credit reports. It is on XXXX, XXXX and XXXX. Are you able to contact Credence and demand the contract, original creditor and/or the signed contract stating the services that are believed to be due?
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payment, Ive attached a copy of my report to this compliant. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
Account XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.Please remove all fraudulent accounts. Thank You
Product: Credit reporting or other personal consumer reports

I WAS TOLD TO EMAIL COPIES OF MY CREDIT REPORTS TO THE BAK OFFICES ON XX/XX/2024. 

I REQUESTED A SUPERVISOR OVER THE TELEPHONE CALL TO DISCUSS THE 30 DAY LATE ON MY CREDIT REPORTS AND WAS ADVISED THE ** NO LATE FEES WERE ACCESSED FOR XXXX XXXX AND TO EMAIL THE CREDIT REPORTS COPIES TO THE ( XXXX ). I THAN WAS LIED TO ON SEVERAL OCCASIONS THAT I MUST WAIT XXXX HOURS ON XXXX DIFFERENT CALLS FOR A RESPONSE BY EMAIL FROM THE XXXX XXXX! NEVERTHELESS, NOTHING WAS DONE AND AS OF TODAY, I WAS TOLD TO DISPUTE THE INFORMATION WITH THE CREDIT BUREAUS DIRECTLY IN WHICH I HAVE SINCE XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX has violated my rights and needs to be deleted from credit report these inaccurate addresses are not mine and needs to be deleted from my credit report 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 this name is not mine and violates my rights XXXX XXXX XXXX XXXX to be deleted from credit reports These telephone numbers are not mine and need to be deleted from credit report XXXX XXXX XXXX XXXX XXXX XXXX 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 consent
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint about Equifax and it was in regards of a dispute. Its been over 30 days since that complaint to which they have responded that they needed proof of identity in order to process my dispute. I did however provide them with proof of identity in the attached. This is the complaint number XXXX. I called them a couple days ago to talk about the investigation results that I never received. They told me that they finished their investigation on the XXXX of XX/XX/year> and that the results were sent to me. I told them that I never received and and requested they resend it to me. They did not want to send me the results. I demand that they resend me the results as I have never received them in the first place.
Product: Checking or savings account

In XX/XX/2019 purchased an item from XXXX XXXX and the item was not as disclosed upon delivery. What i ordered was not what was delivered. I opened a dispute through XXXX and no response without proper notification about the dispute, and did not provide a remedy or a resolve. Then I opened a dispute through JP Morgan Chase, which is the bank that was used for the purchase through XXXX XXXX, and they also provided no resolution.
Product: Debt collection

I have requested Several times for Preferred CMS to Cease and Desist from using and is PROHIBITED from using, reproducing, publishing, buying or selling the Private Property XXXX XXXX XXXX associated with social security # XXXX of the Estate. They will not stop contacting me about debt I do not owe. I do not have a contract with Preferred CMS. If they can produce a contract that I have with them they need to forward it to me. 

15 USC 1692 - Communication in connection with debt collection, https : XXXX ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
Product: Credit card or prepaid card

I have an American Express open business card for more than 5 years. In XX/XX/XXXX last year I was  notified from American Express by phone that I got 0 % promotion interest charge for one year. Since then I always made minimum payment every month on time. Today ( X/XX/2017 ) I logged into my account and I found there was {$240.00} interest charge on X/XX/2017. I paid my balance in full immediately and called American Express asking why there was an interest charge on my account. I was told the 0 % interest charge ended on X/XX/2017 and the charge is for 30 days balance. Since I signed up paperless statement I never get a notification about when the promotion period ends. It is unfair to charge me the interest rate without any notification.
Product: Credit reporting or other personal consumer reports

According to my TransUnion credit report, I owe {$460.00} to some company called XXXX XXXX, XXXX, and that the account has been placed in collection. 

When I called XXXX, they can not find any record of me ( or anyone named XXXX XXXX ) in their system. I have never heard of XXXX. I did not open this account, nor authorize anyone to open it in my name. 

TransUnion has provided no proof that I opened this account, or that I incurred these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i talked to an agent which promised to provide you me with a loan using soft inquiry on my credit report. once i handed him my information they ran my credit and they never gave me the type of mortage i wanted to for a home or so. i tried contanting the company XXXXROCKET MORTGAGE L XXXX and they didn't wanted to help me remove the inquiry on my credit report even when i told the agent that i never allowed the agent to run a hard inquiry on my credit report.
Product: Debt collection

They called family relative more than once as they are allowed to call only once this is a huge violation of my rights when explicitly they were told to not call the relative
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. These accounts i don't recognize nor authorize them and are being reported by a third party.