23daVinci/CFPB_Complaints huggingface dataset:
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 any item 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 which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX  XXXX XXXX : {$10000.00} ; XXXX  XXXX Balance : {$740.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; CPS XX/XX/XXXX ; XXXX XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I received a response back from Equifax stating that the comments were removed from my file but that is not the case. The XXXX account on my credit report was put back into dispute and the comments were put back on my file as of XXXX/XXXX/2016. I have had numerous problems with this account and would like the account deleted and removed from my credit report. I am attaching proof and evidence that the disputes were put back on my account and that this is illegal and should not be ok. I would like Equifax to delete this account and investigate XXXX because this should not happen
Product: Credit reporting or other personal consumer reports

I think FCRA XXXX says wrong accounts should be taken off credit reports. Please check the documents. Some accounts are wrong on my report, making me upset and sick.
Product: Credit card or prepaid card

I XXXX XXXX XXXX, a resident in XXXX Florida am herby filing a complaint against Upgrade a company based in the California area. several times over the past several weeks I have been contacted by this merchant in regards to account they claim I owe. I have informed them on multiple occasions due to a recent accident I have unable to communicate by phone. I have also told them to STOP CALLING ME AND EMAILING ME. They have failed to listen. 

I am protected under ADA and have asked for them to communicate by email With my issue. They once replied said there nothing they can do under AFTER XX/XX/XXXX, but then just got another email. 

I ASK THE STATE OF FLORIDA ALONG WITH OTHER Jurisdictions get involved to assist me. I dont want anyone else having my medical issues along with the apparent debt to be harassed like I have. 

I have also used the XXXX and other agency to try to get helped but they didnt help ( upgrade ) You can contact me at ( XXXX ) XXXX or by the address listed Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, in order for you to furnish the alleged US BANKRUCTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to any of the CRA 's. Including but not limited to 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX, XXXX 's and the likes. 

US Bankruptcy Court has also assured me that it is not within their policies or obligations to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX XXXX that they were not able to validate those alleged bankruptcy in accordance with federal law. 

Having the abovementioned information XXXX, XXXX and Transunion is voilating my federally protected consumer rights. In addition to that violation you are also commiting fraud since you claim to have verified this bankruptcy but sources deny that. Should you need a reminder.. please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information.

I am hereby demanding this entry be permanently removed from consumer file within 30 days from the day you RECIEVE this letter. Should you chose to be negligent in rectifying my affairs. I will follow up with a complaint to CFPB and initiate monetary arbitration is small claims against XXXX, XXXX and Transunion Warm Regards XXXX XXXX
Product: Consumer Loan

XXXX of XXXX Ny offered a special 0 % financing offer to buy furniture through WellsFargo. After initiating the offer and signing the agreement Wellsfargo contacted me by mail informing the agreement signed is not valid after further review. Instead of the signed agreed upon 0 % they will charge me a 28.99 % finance charge. This is against the marketing and the agreement XXXX offered. I am unsure if XXXX was aware of this issue from the onset, the 0 % financing seemed to good to pass up and outside of XXXX normal financing agreements. I seriously doubt this is an isolated incident either. The scheme involved having to spend X amount to obtain the length of time of the agreement and the 0 % financing. Also instead of being a finance loan it is being pawned off or reported as a credit card, not line of credit. A fixed amount and payment will effect my credit report differently then a credit card. This account may substantially effect my debt to credit ratio impacting my credit worthiness. This whole situation is quickly becoming increasingly predatory. I have e-mailed both WellsFargo and XXXX about the issue.
Product: Mortgage

Ive contacted The Money Source and reported issues multiple times regarding escrow being placed on my account when my closing documents clearly indicate that my mortgage does not include escrow. Ive spoken to many representatives, managers on both the mortgage and insurance side and this issue is still not resolved. An overpayment in the amount of {$880.00} was made last month to partially cover insurance amounts totaling {$1700.00} that were paid out without my or my husbands permission. Now I received another statement saying my escrow account is short {$1500.00}. The remainder of the {$1700.00} ( that was paid without permission ) after paying the {$880.00} last month, would be {$890.00}. TMS needs to be cited for unfair business practices and this issue needs to be immediately resolved. Ive requested resolutions in writing multiple times and managers have refused. The last excuse that was given by the manager on the insurance end, was that they dont have the ability to free type a letter. Ive also requested additional manager call backs and no calls have been received. I am considering refinancing just to get away from TMS. Its disgusting to think that Ill be forced to pay closing costs yet again because of a companys unfair business practices. They should be fined for knowingly converting a non escrow mortgage to an escrow mortgage without permission.
Product: Credit reporting or other personal consumer reports

****To begin, I would like to ensure you have and ONLY hold on to present, TRUE, CORRECT, COMPLETE, and MANDATED recorded To the degree that FCRA regulations, any and all others that could or should be reported now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul permanently and immediately any and all of these aforenoted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious be it indubitable or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis-information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles. 
( a ) I do NOT have any OTHER NAMES or aliases and I do NOT have ambition for any OTHER NAMES or aliases to be retained or recited, if ANY edit out NOW or produce PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ). 
( b ) I do NOT have any OTHER existent addresses and I do NOT covet any OTHER ADDRESSES to be retained or made known, if ANY annul NOW or produce PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ). 
( c ) I do NOT have any OTHER SSNs and I do NOT have wish for any OTHER SSNs to be retained or expressed, if ANY omit NOW or product PROOF of your legitimate AUTHORITY to cling to much less report without infringing my consumer right ( s ).. 
( d ) I do NOT have any OTHER Dates of Birth and I do NOT have compliant-like salacity of or for any OTHER Dates of Birth to be retained or rumored, if ANY expunge NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ). 
( e ) I do NOT have any telephone numbers and I do NOT yearn for any telephone numbers to b e retained or described, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ). 
( f ) I do NOT have any employers and I do NOT long for any employers to be retained or believed, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

Page 1 of 6 -XXXX XXXX ( XXXX  ) I do NOT have any spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or communicated, if A N Y REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to sustain much less report without infringing my consumer right ( s ).
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing unauthorized inquires on my TRANSUNION report for over a year now. I have submitted several CFPB complaints and reported the identity theft to the FTC. TRANSUNION willfully and knowingly furnished my consumer report without having my direct consent. On XX/XX/2021 TRANSUNION sent me confirmation by post mail that these inquiries were finally deleted from my report. I am highly offended that TRANSUNION thinks they can blatantly disregard there negligence to federal law and my consumer rights. Because this information is public information TRANSUNION is responsible for compensating me for all of the civil violations committed against me.
Product: Debt collection

XXXX, XXXX has caused me much anguish by reporting an invalid debt to the credit bureaus. XXXX, XXXX occasionally removes and then re-inserts this invalid debt in order to illegally re-age this erroneous account. XXXX, XXXX is reporting this item as an OPEN account. I never received notice of this debt from XXXX, XXXX. I applied for a home loan and was denied due to this criminal act by XXXX, XXXX. XXXX, XXXX is claiming that I owe them {$340.00} on a debt with an account number of XXXX. I have disputed this account with the credit bureaus and XXXX XXXX. A debt validation letter was sent to XXXX XXXX on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, I received a bill back from XXXX but not contract that was signed by me. This was just another one of their deceptive tactics. They did not enclose a contract with my signature on it because it does not exist. I then sent XXXX XXXX a second request on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, requesting that they provide me with proof that this debt belongs to me, but I never received a response back from the company and they failed to notify the credit bureaus that I was disputing this frivolous account. After several failed attempts with disputing this account with XXXX, XXXX, I decided to dispute the account once again with the credit bureaus. I sent a certified letter to the credit bureaus requesting that they re-investigate this erroneous account and that they provide me with proof that this account belongs to me. I then received notification that my dispute was updated by the credit bureaus but the account for XXXX, XXXX is still being listed on my credit file. This is a direct violation of FDCPA, FCRA and OCPA. This wrongful reporting has not only negatively impacted my life ; it has also had a negative effect on my family as well. I request the immediate removal of this account from all credit reporting agencies whom has been notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or about XX/XX/2020, I disputed XXXX XXXX XXXX  XXXX ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX XXXX  XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.
Product: Debt collection

Dear Receivables Management you responded via mail but failed to provided the proper documentation. I specifically requested the HIPAA release form bearing my signature given the provider permission to release medical information to a third party. In the documentation I have from you do not provide me that form. 
This is against the HIPAA law for you to be attempting to collect on alleged debt owed without having this form. Unless you can provide me the form immediately. I demand you cease debt collecting and remove this account from my credit report ASAP. Further action will be taking if you refuse to provide this information.
Product: Credit card or prepaid card

In XXXX of 2014 I went to Wells Fargo to apply for an auto loan to which I recieved but only because I also was told I needed to open a credit card account with them in order to be approved for an auto loan. Being a young man wanting my car I thought it was legit being that this information was coming from my bank. Fast forward 4 years and this is not the cause. Causing me multiple headaches in fees and interest over a credit card I never needed to open in the first place. Wells Fargo has ruined my future.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Reporting with New Evidence and Request for Immediate Removal of Inaccurate Information To Whom It May Concern, I am writing to formally dispute the continued reporting of inaccurate and outdated information by Early Warning Services ( EWS ) concerning accounts from XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Enclosed with this letter is new evidence from Bank XXXX XXXX confirming inaccuracies in the information reported. 
Disputed Accounts 1. XXXX  XXXX XXXX : Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX Nature of Dispute : XXXX  XXXX XXXX has confirmed that the accounts in question were resolved and reported inaccurately. ( See attached evidence ). 
2. XXXX XXXX : Account Numbers : XXXX, XXXX, XXXX Nature of Dispute : XXXX has confirmed the accounts were closed and purged but are still inaccurately impacting my EWS report. 
3. XXXX XXXX XXXX : Account Number : XXXX Nature of Dispute : The account was closed due to a negative balance and returned transactions ; however, XXXX XXXX has failed to provide sufficient documentation to support the accuracy of their reporting. 
4. XXXX XXXX XXXX XXXX : Account Numbers : [ Provide Specific Account Numbers ] Nature of Dispute : These accounts have been resolved but continue to be inaccurately reported. 
Evidence and Violations The attached documentation from XXXX  XXXX XXXX clearly indicates that their reporting to EWS was inaccurate. This violates the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ensure the accuracy and fairness of the information they maintain. The continued reporting of these accounts is causing harm to my financial standing and reputation. 
Actions Demanded I demand that EWS take the following actions immediately : 1. Conduct a Comprehensive Reinvestigation : Review all disputed accounts and verify the accuracy of the information with the financial institutions.

2. Remove Inaccurate Information : Delete any information that can not be verified or is deemed inaccurate.

3. Provide Documentation : Supply written confirmation of the actions taken to correct my consumer report. 

Consequences of Non-Compliance If EWS fails to address these issues promptly, I will pursue legal action for damages resulting from your continued negligence. I will also escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Please treat this letter as a formal dispute under the FCRA and provide a response within 15 business days. 
Sincerely, XXXX XXXX XXXX Enclosures : Evidence from XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested proof of validation on several occasions from the collections company   XXXX   (   XXXX   XXXX   XXXX   ) and also from  XXXX  and Transunion once in  XXXX ,  XXXX ,  XXXX  and  XXXX  of 2017. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. Since they failed to send me the requested proof, I wanted this account to be closed and removed from my credit reports on   XXXX   and Transunion.   XXXX   and Transunion have not complied with the law and accurately verified my information as well. I have disputed with   XXXX   credit bureaus three separate times and they have yet to send me any proof of the investigation with this company as well.
Product: Student loan

I have XXXX high interest, private student loans with Navent that have been in default for years due to my inability to repay back the loans. I was a student at XXXX XXXX XXXX from XXXX XXXX and graduated with a XXXX in XXXX XXXX. After graduation, I found it very hard to find a job in the field of study. No agency I have applied to accepted my degree from XXXX because XXXX education did not meet the educational requirements to obtain a job in the XXXX XXXX XXXX. I have notified Navent numerous of times and I even attempted to try and repay for 3 or 4 months in XXXX but it was too much of a hardship for me so I had to stop. I explained that I could n't continue and they kept harassing me at work, at home, etc demanding repayment. I have asked them repeatedly, how am I supposed to pay for a degree which is basically a 'blank piece of paper ', in my field, when I can not even obtain a job in that field? I felt that XXXX should repay back the loan. 

XXXX is filing bankruptcy and it was announced yesterday that, you, CFPB is suing Navent for illegal practices made it harder and more costly for some borrowers to repay their student loans. And now today, Navent ( their collection company ) decides to call me again, today demanding I repay the private student loans in full. Loans that totaled approximately {$12000.00} when I graduated in XXXX and is now at approximately {$25000.00}. I am currently on the income-based repayment plan for my federal loans that is at $ XXXX monthly payment because I can not afford to repay and yet knowing full well I ca n't repay, they are demanding I pay in full the Private loans? Why? Because CFPB is suing? I need help.
Product: Debt collection

This was three wage garnishment on XX/XX/XXXX, the final garnishment payment was sent out via my HR department which should if over paid the garnshiment. 

Between XX/XX/XXXX and XXXX the remaining balance was about XXXX dollars. 

E-Mail from HR to Midland : Hi XXXX, I am attaching the latest letter from Midland Credit per your request. On XX/XX/20 at XXXX XXXX  I spoke to XXXX from Midland and she stated your balance was {$33.00} and I informed her that we had your payments being generated from XXXX  automatically. The payment was for {$210.00} and the employee would have to be credited the difference of {$180.00} and she stated not a problem, they would be responsible for the overage being sent to you. 



Thank you and so happy that this is over for you and your family. 

Have a blessed weekend. 

XX/XX/XXXX the balance doubled to XXXX. And change then XXXX. 

HR stopped garnshiment after over payment,. HR notified me on XX/XX/XXXX that they received a continuance and my payment yesterday doesn't show up and neither does the garnshiment from XX/XX/XXXX which it hasn't show up at all in this two weeks. 

I spoke with a XXXX at around XXXX XXXX  AZ time after I submitted the payment of XXXX dollars. She stated that over payment will be refunded. And she submitted the paperwork to go to legal team to stop the garnshiment. 

This is getting ridiculous two times already balance should if been brought to XXXX and they keep tacking on fees and payments I have Ave had submitted no longer show up. 

This morning I log in and balance is over XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I sent a debt verification letter to METRO COLLECTION SVC Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number ( XXXX ) XXXX and have not received a response in over 30 days. The vehicle was repossessed but no information has been given about the debt. They are continuing to accumulate monthly interest with no proof of debt record. I sent the letter on XX/XX/2023 2023