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

I am writing to request the blocking and deletion of certain fraudulent accounts and inquiries listed on my credit report following a recent data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am seeking the immediate removal of the following unauthorized items from my credit report. 
Fraudulent Accounts XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$420.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1800.00} XXXX. XXXX XXXX - Account Number : XXXX - XXXX : XX/XX/XXXX - Balance : {$2100.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XXXX : XX/XX/XXXX - Balance : {$2700.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$910.00} XXXX. XXXX XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$470.00} XXXX. XXXXXXXX XXXX XXXX Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$300.00} XXXX. XXXX XXXX XXXX  - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$240.00} XXXX. XXXX XXXX XXXX  - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$200.00} XXXX. XXXX XXXX - Account Numbers : XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXXXX/XX/XXXX ) - Balances : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. Dept of EdXXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX  XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX XXXX Bank - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX XXXX  - Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Date XXXX XX/XX/XXXXXXXX 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 Date XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/2022, I received a letter from a Debt collector company that goes by the name of Firstsource Advantage LLC. In the letter I they are telling me they are trying to collect a alleged debt on behalf of XXXX XXXX. I am a consumer and i am well informed of my rights and the federal laws that protect me from unfair debt collection practices and according to the Fair Debt Collection Practices Act, Firstsource Advantage LLC has violated these rules and regulations. I never gave this debt collector permission or consent to contact me, and i have sent them a letter of cease and desist pursuant to 15 USC 1692 C. Also In the letter Firstsource Advantage LLC said " As of the date of this letter, you owe {$2600.00} '' This is a violation because a debt collector can't say i owe anything pursuant to 15 USC 1692 b and also in the letter was said " Firstsource Advantage , LLC is a debt collector. We are trying to collect a debt that you owe XXXX XXXX. We will use any information you give us to help collect the debt '' This is also a violation because a debt collector can not use or obtain information on a consumer to collect a debt and i have proof of this pursuant to 15 USC 1692e ( 10 ). I have been receiving multiple phone calls that have interrupted me at work and caused me a great deal of stress, I have proof of these unwanted phone calls i never gave consent to receive, this is a violation pursuant to 15 USC 1692c. Firstsource Advantage , LLC is responsible for all damages that cost {$1000.00} per violation pursuant to 15 USC 1692k
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few student loans through XXXX XXXX. These loans have been in deferment for a while now. I have not been able to make a payment on these debts for a while now and I have communicated with XXXX and let them know that due to COVID im not in a position to pay these students loans and again i am i deferment but they are reporting lates. I need these lates to be removed from my credit file. Under the Federal Mandate, CARES ACT, you can not report lates during the pandemic and plus my account is in deferment.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and noticed a lot of inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency may not furnish an account without my written instructions.
Product: Debt collection

In XXXX of XXXX my XXXX  and I applied to the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  for an apartment. Prior to signing the lease we were notified that the apartment we had applied for was no longer available and we notified XXXX XXXX XXXX XXXX XXXX in writing that we were no longer interested in pursuing a residence at the complex as our selected unit was unavailable. We paid the fees associated with the application process and ended our relationship. On XXXX XX/XX/XXXX XXXX XXXX  the billing agency for XXXX XXXX XXXX XXXX XXXX sent me an email indicating that we had a {$200.00} dollar move out fees for the XXXX XXXX XXXX XXXX XXXX. I informed them in writing that we had never signed a lease and could not possibly have a fine associated with moving out of a property that we never lived in. 

On XXXX XX/XX/XXXX, I received a notification letter from Columbia Debt Recovery LLC DBA Genesis of Everett, XXXX indicating a potential debt of {$200.00} dollars due to alleged administrative fees associated with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XX/XX/XXXX, I responded by certified mail to dispute this debt and to request validation of the debt. Within this letter I included an annotated copy of the pre-leasing agreement with the XXXX XXXX XXXX XXXX XXXX that indicated the fees were not required to be paid as neither my spouse nor I ever completed the leasing process at the XXXX XXXX XXXX XXXX XXXX. The apartment we had applied for had been unavailable and we responded in writing to XXXX XXXX XXXX XXXX XXXX  that we were no longer considering the property per the terms of their agreement. 

On XXXX XX/XX/XXXX, I received an email from Columbia Debt Recovery LLC DBA Genesis that included our partially completed application to the XXXX XXXX XXXX XXXX XXXX ( less the terms and conditions portion ), a sheet that indicated we had passed their leasing criterion and an invoice for administrative fees dated XXXX XX/XX/XXXX. I returned in an email that this was not adequate proof for the debt as the terms and conditions had been omitted from the agreement which indicated that no debt was owed. I called Columbia Debt Recovery LLC DBA Genesis on XXXX XX/XX/XXXX and was told to respond via email and that they were unable to provide a phone number to the division of Columbia Debt Recovery LLC DBA Genesis that validates the debt. 

On XXXX XX/XX/XXXX, I received an email from Columbia Debt Recovery LLC DBA Genesis prompting me on the disputed amount. Columbia Debt Recovery LLC DBA Genesis had not yet responded to my previous email disputing the debt in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I sold another property and my title company dispersed funds to US Bank on Monday XX/XX/XXXX from the proceeds of the saleto pay off my current HELOC balance on my primary home. Today is Friday and the loan still isn't paid down to XXXX. And probably will not be for another few days ( weekend ). The issue is on the US Bank 10-day payoff, the only options they give for payoff is to mail a check. This means that I am being charged interest every day until that loan is paid off. This is {$100.00} a day approximately. I called and spoke with XXXX today ( Friday XX/XX/XXXX ). She gave us incorrect information and suggested that the information on the payoff was correct and the only way that they could accept payment was a check being mailed. I asked to speak to a supervisor and spoke with XXXX in the XXXX office. She informed me that yes the payoff only gives the one option on their 10-day payoff. But if title only asked there are other options available. Very problematic that those options aren't clearly defined on a payoff. I let XXXX know that we asked XXXX this very question, but she gave us incorrect information and said that the only option was to mail a check. So she gave no other options. XXXX acknowledged this discrepancy and said that she will train her better. But that still does not change the fact that there isn't every option of payoff available on their 10-day payoff. And it doesn't change the fact when you call in and speak to a representative at US Bank that they are giving incorrect information. I asked XXXX if there was authority above her I could speak with. She said she was the highest authority that I could speak to. I asked if she would be crediting my account for the interest being charged. She said there would not be. I don't know what more would be a clearer definition of predatory lending than this is. That it takes 10 or so days to pay off a loan when no other options are given other than snail milling a check. So US Bank is earning extra days of interest without clearly allowing someone to pay off. This not only happened to me but I am sure this happens every day and at many other institutions. By the time the check from title is received from US Bank an additional $ XXXX {$1000.00} of interest will be collected. Policies need to be in place where a creditor allows a debtor to pay them off immediately to incur XXXX extra interest charges. I am definitely seeking reimbursement of interest charges for those extra days
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to the previous Complaint I submitted requesting the removal of the fraudulent accounts and information the Crediet Reporting Agencies have been reporting on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required by Federal law to remove any and all accounts and information that resulted due to fraudulent activity. Please help me have the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$80.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items were unknown to me and should not be reported on my Credit File. If the Credit Reporting Agencies believe that the disputed items belong to me and have the rights, legally, to be reportin on my Credit File, I demand that the Credit Bureaus send me copies of documents they found along the way to prove such claims. In the absence of these documents, I expect nothing but immediate deletion of the distputed items.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C.
Product: Credit reporting or other personal consumer reports

there are hard inquiries on my credit report i did not authorize..sent out dispute letters to all 3 credit bureaus no thing is being done about it
Product: Credit reporting or other personal consumer reports

Please see the attached full explanation letter. Essentially, I was trying to make my mortgage and XXXX payments on the last day of the month they were due in. All funds were fully available in my bank account but the bank 's app wouldn't accept the payments and I was therefore reported to the credit bureaus for a XXXXday late payment.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$520.00} XXXX XXXX  XXXX {$240.00} XXXX   XXXX {$2800.00} XXXX XXXX XXXX {$5200.00} XXXX   XXXX {$670.00} XXXX/XXXX XXXX {$410.00} XXXX  XXXX XXXX {$9800.00} XXXX XXXX {$710.00} XXXX/XXXX  XXXX {$450.00} XXXX XXXX   XXXX  XXXX {$22000.00} XXXX  XXXX {$3200.00}
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

Today, XX/XX/2018, I received a notice from XXXX  about a new collections account being posted. 

There were two collections accounts posted on XX/XX/2018. I have received no written or phone notifications from the debt collector that they held the debt, nor have I received any information regarding my rights to verify the debt. 

I have the actual debt from the creditor in my hand and it is a different amount than posted, also the dates do not match with the original, itemized bill. 

I HAVE been receiving calls from unknown numbers who either hang up or say nothing, I'm concerned this may be a scam or this company is intending to commit fraud against me. 

I have not taken any actions yet out of fear of retaliation from the debt collector.
Product: Checking or savings account

my debit card was lost on XX/XX/XXXX unauthorized charges of {$140.00} {$220.00} {$43.00} {$35.00} {$240.00} {$380.00} {$8.00} {$4.00} {$17.00} {$140.00} {$470.00} {$400.00} were all made in the span of the XXXX and XXXX, I noticed the unauthorized charges via mu online banking on or around the XX/XX/XXXX and immediately called wells fargo and disputed and reported it. The representative did not notate the account or claim correctly leading me to have to follow up several times and have more terrible notation occur which complicated what should have been a simple reversal they are for places i have never shopped or heard of. the merchants i had heard of i was able to contact and have the transaction stopped before items were shipped. 
some were online some where swiped NONE of which included my Pin #. 

after several hours of speaking with resolution specialists who were also very rude, Wells fargo was beyond unprofessional their handling of the investigation and simply stated they would not cover the fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX

3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX I received your recently letter. XXXX your contract to service the U.S. Department of Education XXXX loans do not start until after a date in XX/XX/XXXX. 
Currently XXXX can only process XXXX claims of federal XXXX loans for the U.S. Department of Education. XXXX I received your recent letter and last letter the one you reduce the money from {$80000.00} to {$39000.00}. XXXX consider that as the last letter you send me. XXXX you stole my identity. XXXX your employer the real U.S. Department of Education wrote you to Terminated the federal XXXX Note in my identity for Fraud XX/XX/XXXX. The real U.S. Department of Education can cancel a contract a federal XXXX loan for fraud. The note defaulted XXXX XXXX and that stands wrote the real U.S. Department of Education . The U.S. Department of Education wrote Defaulted, Terminate Collection meanng the real U.S.Department of Education does not want the money. The note was not completed in a federal lender orginator of XXXX  loans website for electronic signatures, etc. Many federal student loans FFLE loans the government are still collecting on no mattter of the amount. XXXX remove yourself of my credit reports immediately. XXXX you are in violation of the False Claim Act by stealing money from the real U.S. Department of Education in serviceing a Terminated Note for Fraud. XXXX your in violation of the Fair Credit Reporting Act. XXXX any other letter you might send me I will consider as harassment. I want all the credit reporting agencies to send me the documents that XXXX sent in to open this XXXX  loan in my identity and if the CRA can not tell my why> XXXX CEASE AND DESIST FROM CONTACTING ME UNLESS THROUGH YOUR ATTORNEY. XXXX I AM NOT GOING TO PAY YOU AN XXXX.
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. Again, Im sending over an Identity theft report # XXXX. Pu

rsuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please note that you have 4 business days to block the reporting of an y information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX required I end my fraud alert on my personal account to verify my identity continue using Experian XXXX. They could not explain why a business account and my personal account are linked or to fix this problem. They refused to speak to me about this problem