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

I XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law. 
This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy rights. Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately NAMES ADDRESSES EMPLOYER COLLECTIONS HARD INQUIRIES ACCOUNTS These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response
Product: Credit card or prepaid card

I was a victim of Hurricane Florence and the Tropical Storm that occurred in North Carolina. I informed each of my credit card companies that my job had us out of work due to the damages that occurred and that I would not be receiving any paychecks. I was still charged excessive fees and they did not work with me, but broadcast on their website that they care so much about the victims affected. I am unable to pay the fees that were charged back to these companies. I can take care of what I owe personally but the fees need to be forgiven so that I can get back on my feet. My credit score has dropped terribly because of this. The representatives are cold and inconsiderate and always state that there is nothing that can be done.
Product: Debt collection

Iq Data contacted me on XX/XX/XXXX around XXXX about collecting a payment from an apartment complex for an outstanding balance that doesn't even have 10 days of being posted and in which I had questions about and never received answers from the leasing office despite the multiple attempts to talk to them just for an explanation. The agent from Iq Data asked me to pay for this debt in full on that first call, and expected me to give her my sensitive payment information when I wasn't aware of a due date and I was never informed by the apartment complex or the agency that this debt was transferred over to Iq Data for collection. This agent at Iq Data threaten me that if I didn't pay this debt in full the same day I was going to incurred interests, and that it was going to get reported on my credit and that it was going to affect me from refinancing and doing anything with my credit. I was very confused and scared about this call and so I hang up.

I called the apartment complex later that same day to verify and they provided me the agency name and contact information so I called a second time in the day asking for what legal procedures they took to notify me about this debt since I never received a statement with a due date on it nor any notification that this account was getting transfer over to collections. She told me that the apartment complex and the agency " mailed it out '' to my new address which I am sure it is not true. I never received anything in the mail. and she told me it was not their problem and that they didn't have to send anything by law. Since I was asking for more information, she got upset that I was challenging her with my consumer rights on this, and how I thought this was illegal. She started raising her voice and not letting me explain anything back to her so she hangs up on me.

I finally called them a second time and submitted payment because I do not want anything reported on my credit. However, I certainly feel this is not the proper procedure and treatment for anyone. I also feel they have follow proper written communications guidelines with due dates and consequences explained to protect consumers of unfair and abusive practices.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX. ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
- XXXX. ACCOUNT # XXXX OPENED ON XX/XX/XXXX.
Product: Debt collection

I have contacted Midland Credit Management at XXXX. 
explained to them that these XXXX debts were settled in my bankruptcy case # XXXX in XX/XX/2013. These keep appearing as judgements still not settled on my report. 
I need these debts to be removed from my report and would like a letter stating they were settled. 

MCM ACCOUNT # XXXX MCM ACCOUNT # XXXX
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX this amount of {$4400.00} was put on my credit report I can't remeber when I exactly contacted Apple Goldman Sachs Bank but it was around ealry XXXX and I told them I did not know about such debt and they told me they would email me something to fill out never got it called them back and I got told the forms or what they sent me were in an email which was an older email I don't use they told me to check my junk mail, trash, etc.. nothing was there infromed them nothing was there in the email after that never heard from them again i've tried numerous time to get this removed off my credit report and it has been denied this has been extremely stressful for me I don't have the funds to pay for such debt it has been really fustrating and annoying.
Product: Credit reporting or other personal consumer reports

RESURGENT CAPTIAL SERVICES Compliance Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX TO WHOM IT MAY CONCERN, I DEMAND THE COMPANY LISTED PER 15 USC 1692C ( C ) FOLLOW THE LAWS OF THE FCRA : THE LAW CLEARLY STATES : They must Cease all communication even the reporting on my consumer profile 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. 

The following accounts : CFPB Case # : XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX 

Current Owner : LVNV Funding LLC Reference Number : XXXX Account involved in litigation I HAVE NO CONTRACT OR OBLIGATION TO PAY THIS DEBT OR COLLECTOR AND THEY HAVE NOT PROVIDED ME WITH MY WET INK SIGNATURE BETWEEN ME AND RESURGENT CAPITAL SERVICES IN A BINDING CONTRACT AGREEMENT THAT I AM OBLIGATED TO PAY THIS ALLEGED DEBT TO THE COMPANY WHO IS REQUESTING THAT I PAY. 


I DEMAND THEM TO remove it from my credit report. 




DISPITE THE WRITTEN REQUEST, THE UNVERIFIED ITEMS LISTED ABOVE STILL REMAIN ON MY CREDIT REPORT IN VIOLATION OF THE FEDERAL LAW. YOU ARE REQUIRED UNDER THE FCRA TO HAVE A COPY OF THE ORIGINAL CREDITORS DOCUMENTATION ON FILE TO VERIFY THAT THIS INFORMATION IS MINE AND IS CORRECT. IN THE RESULTS OF YOUR INVESTIGATION YOU STATED IN WRITING THAT YOU " VERIFIED '' THAT THESE ITEMS ARE BEING " REPORTED CORRECTLY ''? WHO VERIFIED THESE ACCOUNTS? YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION ( A CONSUMER CONTRACT WITH MY WET INK SIGNATURE ON IT NOT A COPY OR SCANNED ITEM ) AS REQUIRED UNDER SECTION 609 ( A ) ( 1 ) ( A ) & SECTION 611 ( A ) ( 1 ) ( A ). FURTHER MORE YOU HAVE FAILED TO PROVIDE THE METHOD OF VERIFICATION AS REQUIRED UNDER SECTION 611 ( A ) ( 7 ). PLEASE BE ADVISED THAT UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED.

I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay your company directly since I never signed anything with your company who is trying to collect from me. Please supply the information below so that I can be fully informed : Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay ypur company RESURGENT CAPTIAL SERVICES and lvnv. 

PLEASE PROVIDE ME WITH MY WET INK SIGNATURE BETWEEN ME AND YOUR COMPANY THAT IM OBLIGATED TO PAY YOU AND IF YOU CAN NOT SUPPLY THAT SIGNATURE OR CONTRACT I DEMAND YOU DELETE THIS DEBT FROM MY CONSUMER BREPORT. 



XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccuracies appearing on my credit report concerning multiple student loan accounts reported by XXXX. According to Section 609 and 611 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681g, 1681i ) and Section 809 of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am exercising my legal right to demand verificationThese accounts, reported as " Needs Attention '' as of XX/XX/year>, appear to contain incorrect balances, duplicated reporting, and inaccurate statuses. As mandated by law, specifically under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), you must investigate this dispute within 30 days and provide the results promptly.

Please provide validation of these debts by submitting : - Original signed loan agreements or promissory notes ( required by FDCPA, 15 U.S.C. 1692g ) - Comprehensive payment histories detailing all transactions - Itemized statements clearly listing interest charges, fees, and penalties - Evidence proving your legal right and authority to collect these debts Failure to provide adequate validation or verification within 30 days legally obligates the immediate removal of these items from my credit report, per FCRA Section 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C.

1681i ( a ) ( 5 ) ( A ) ). Additionally, continued reporting without proper validation constitutes a violation of the FDCPA and FCRA, potentially subjecting your organization to legal penalties and consumer damages pursuant to Sections 616 and 617 of the FCRA ( 15 U.S.C. 1681n, 1681o ). 
Your prompt and thorough attention to this request is anticipated. Please comply within the legally
Product: Credit reporting or other personal consumer reports

Experian continues to report address and names that do NOT belong to me. Experian is a data furnisher which means they are paid to report information and are securitizing these reports to raise money for capital. Since this is an account I have equitable interest in this account and what is being reported. Experian is reporting this inaccurate information for profit even after providing evidence of my identity to prove it is inaccurate and should be immediately removed! My only name is XXXX XXXX remove any other name you do not have my consent to report anything other than XXXX XXXX. My address is XXXX XXXX XXXXt XXXX TX XXXX delete any other address it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/20 I sent a letter to all three bureaus regarding inaccurate information on my credit report and to this day over 60 days later I have not received a response yet.I feel like I am being taken advantage and being ignored of my disputes.I demand these inaccurate information removed immdiately.
Product: Credit reporting or other personal consumer reports

Theres currently 3 months of late payments from XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX listed on my XXXX XXXX, XXXX and Equifax credit report. I have never made a late payment on my XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account, XXXX XXXX XXXX XXXX  credit card account, or XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account. All of my payments I have made to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX for my credit card account has been on time payments made.
Product: Debt collection

In XXXX of XXXX I was alerted by XXXX XXXX that it was a collection put on my credit report for XXXX XXXX XXXX XXXX : FRANKLIN SERVICE INC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I immediately type and sent a certified letter to said collectors stating that I never had an XXXX XXXX XXXX  account here in XXXX, XXXX I have no account number for this alleged account nor have I ever received a bill containing an account number at my address/ addresses. I move here to XXXX XXXX, in XX/XX/XXXX with no job or financial means so I resided with my cousin at XXXX XXXX. Once I got on my feet I moved in my own place XX/XX/XXXX. I work 12 hours a day 6 days a week. I can not afford any extra amenities. Then I moved in with my ex to XXXX XXXX XXXX XXXXhen to his apartment XXXX, at which both places had XXXX for internet services and TV. The only cable that I aquired is XXXX which was turn on upon my move in XXXX XXXX XXXX in XX/XX/XXXX about 3 to 6 months later. This is not my account nor do I have knowledge of it. As it has taking me some time to get my credit rating at a decent score this fraudulent account has brought it down. Please assist me in resolving this matter
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX My email address is XXXX My phone number is XXXX My mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX My Fl DL G XXXX XXXX XXXX XXXX XXXX On or around XX/XX/XXXX if 2020 I found an add on XXXX for an apartment for rent. I have communicated with the said landlord for over 20 days founding in the date that I was suppose to take possession that I got scammed. 
This claim is against Zelle In well known app which is embedded into my mobile XX/XX/XXXXmobile app. 
There were there transactions made from my Account through Zelle app. Before I sent the money I asked for a lease/rental agreement and a copy of the ID. The place was also advertised for rent on a different website which was included in the rental agreement. The rental was for a place in XXXX XXXX Fl. The payments were made as follows : First payment of {$1000.00} on XX/XX/2020 Second payment of {$2800.00} on XX/XX/2020 Third payment of {$3500.00} on XX/XX/2020. 
The imposter whose ID I included for your records, told me that I can not see the unit because it was rented and the tenant was going to leave in the day that I was suppose to take over and it needed to be sanitized and cleaned because of COVID 19. This add was posted as a short term rental stupidly I was checking in at XXXX XX/XX/XXXX on XX/XX/2020 It was a hotel and they post phone the check In until XXXX XX/XX/XXXX telling me that the apartment was not ready. 
As soon as I got theres he front clerk told me that the place was not available and that this unit does not even exist. I immediately insisted to call the police. I made a police report with the XXXX police department case number XX/XX/XXXXXXXX. 
Since it was after XXXX I could not call my bank immediately, so I called next day and I made a claim with XX/XX/XXXX claim # XXXX XXXX XXXX They told me that would take 45 calendar days for the problem to be solved. I have numerously followed up with the bank and with the police department, but nothing has been solved until now. In XX/XX/XXXX I made an FBI report and I submitted through fax the report to my Bank. 
Today I am making a claim against Zelle and the receiving bank.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX multiple times about an account not being reported correctly. I have given them documents from another credit bureau that has confirmed with their investigation to update my information correctly. XXXX has refused to confirm their investigation information with me and they refuse to accept my documents to correct my information about my account. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card or prepaid card

Up until XXXX I paid for a storage unit using my Barclays Mastercard. 
I had auto paid in XXXX, then toward the end of the month I went to the center and changed the auto pay. I decided to start using my Visa card instead. 
On XX/XX/XXXX I got a late notice from RCI via email. First of all, it was autopay. Secondly I always pay on time, on the XXXX of the month. 
I contacted them, explaining the situation to XXXX. At the time I thought I had been double billed which didn't make sense. He said that there was no scheduled payment for XXXX and wanted to know how I had processed the payment. I told him again that I was no longer using this credit card, that I now pay with a different card, and that I should not have been billed. he kept saying that I owed {$130.00}. I told him that I was disputing the charge, disputing the late fee and the interest. XXXX said he would waive the late fee and interest charges but I still owed {$100.00}. Told me to contact the merchant the next morning to issue a refund on my account. That it was on XXXX XXXX that I got charged. He stated that once Barclays received the credit it would reflect on my account and satisfy the current balance. Also said that I could contact the dispute department if I got no response from the merchant. XXXX. 

I went to XXXX XXXX and XXXX at XXXX XXXX XXXX assured me that they did not double bill - they only charged my Visa card for XXXX. 
I duly reported this to the Mastercard company on XX/XX/XXXX. I was told to call the dispute department, who doubted my veracity. 
By now it is XX/XX/XXXX and I keep getting robocalls at all hours stating that my card is overdue. I don't have timestamps on my home phone so I can't detail the times. I can state that sometimes it was as early as XXXX in the XXXX. I have XXXX, so every time the answering machine beeps, it wakes me. I changed my contact number to my cell but it didn't stop the robocalls. 
I finally started turning off my phone when going to sleep. 
Called again XX/XX/XXXX. No live person available. 

I returned to XXXX XXXX  XXXX. The manager gave me copies of my past billing as well as a signed note stating that they did not bill Mastercard after XX/XX/XXXX, and provided the paper showing that I paid in XXXX with a Visa card. I sent all of this information via XXXX  which arrived date stamped XX/XX/XXXX. 

I contacted Barclays again XX/XX/XXXX because the calls and emails would not stop. Spoke to XXXX # XXXX, asking to speak to a supervisor. After being on hold I was told no supervisor was available. 
I immediately called the billing dispute department - same thing. No live person with whom I could speak. 
The phone calls finally stopped but I still get daily emails stating that I am behind on payments, that I can use my tax refund to get back on track, or to explore ways to get my account up to date. As recently as yesterday. 
This is exhausting and I am tired of dealing with them.