23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The collection in my account is a product of fraudulent activity. Please remove it as soon as possible. 

" XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/2024 XXXX
Product: Debt collection

ERC is reporting a negative unverified account on my credit report. ERC failed to respond to my debt validation letter sent on XX/XX/2021. ( please see attachment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # has 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 w : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXXXXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.
Product: Debt collection

ARS COLLECT that couldn't provide me with my signature. ARS COLLECTION violate the HIPPA policy. They didn't give me of a contract that I made with them and I. I sent them letters and they could not give me no answers.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report this morning, and I have no clue why. I checked my credit report as usual, but this time, there were unexpected discrepancies. Refreshing my browser didnt remove the inquiries, suggesting it wasn't a technical issue. Hence, I am requesting that the documents Ive provided be thoroughly examined to prevent future concerns.
Product: Debt collection

I never kept the XXXX XXXX and returned all equipment in working order in the time frame allowed for a full refund. I do not owe anything on this account, it was closed within 30 days of opening with all equipment returned. This is not a valid charge or debt.
Product: Checking or savings account

My checking account at Regions Bank has been on hold for about 4 months now, since I opened the account. Ive went into a branch and signed some forms, which was supposed to fix it. But I still have no access to withdraw my money.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE Account XXXX Reporting Late Payments : 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  days past due as of XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX In accordance with the fair credit reporting act, convergent account # XXXX has violated my rights.

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : 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.
Product: Mortgage

Sold my home XXXX XXXX, XXXX. XXXX XXXX XXXX ( Lexicon Title Services LLC ) has not returned {$450.00} to me from this sale. I want it to be immediately wired to my account at XXXX XXXX, with interest. I paid EVERY WATER BILL MYSELF. I only discovered this in preparing my taxes yesterday. I called XXXX yesterday ( XX/XX/XXXX ) to learn there was a remaining bill ( {$77.00} ) and I paid it. Also, I was charged for a bill ( {$100.00} ) that I had paid on XX/XX/XXXX from my checking account and {$350.00} for Water Escrow to Lexicon Title Services LLC. That woman hasn't even contacted XXXX in OVER SIX MONTHS to see if I own anything. I DO NOT.
Product: Payday loan, title loan, or personal loan

Ive explained in scrupulous detail to Speedy Cash via phone conversations ( which I have the audio file of ) as well as by mail the payday loan that they repeatedly harass me in attempt to collect on WAS DISCHARGED IN BANKRUPTCY at the end of 2015. 

Ive submitted my attorneys information XXXX XXXX, as well as my bankruptcy case number XXXX and this company still continues to call me sometimes 20+ times per day, as well as send me statements in the mail weekly which I have on hand. 

I have contacted an FDCPA attorney regarding this harassment and illegal attempt to collect on a debt that was included in bankruptcy.
Product: Debt collection

XXXX XXXX bloomers keeps calling about at least 5 times a day and no voice mails get left and no one answers when you you call the number back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove these items ASAP.
Product: Vehicle loan or lease

The whole account was paid off when I sold the car!! The whole XXXX was paid off, I owe anything XXXX this car
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2017, 30 days late as of XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

In XX/XX/2017 my loan was over 5 years old and my balance was under the 20 % of property value. I requested to have my mortgage insurance removed, at which time Wells Fargo stated that I need to refinance at a higher rate to remove the insurance. 

Loan number : XXXX Mortgage insurance amount is {$360.00}. 

I would like to have Wells Fargo removed mortgage insurance, and keep my current loan rate. 

I would like to have them fined maximum rate per day until resolved. 

Thank for your time in this matter. 

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

Dear Sir/Madam : I have been in the XXXX Credit Fraud. I have had XXXX credit inquiries by XXXX XXXX XXXX for XXXX. XXXX was on XX/XX/XXXX and XXXX was on XX/XX/XXXX. I  called Chase Bank and they notified the Credit Bureaus and I have personally sent in the letters from Chase Bank. They are still on my report. 

Fortunately, I had another attempt but it does not show as my credit is locked. 

I find this so disheartening as I have worked my entire life for a good credit report and I am now constantly having to worry about these attempts. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated XXXX XXXX XXXX Balance Owed : {$470000.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX XXXX**** Balance Owed : {$980.00} -You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX XXXX Balance Owed : {$4700.00} -This is a duplicate account please investigate this and make a correction
Product: Payday loan, title loan, or personal loan

I took out a loan with Wells Fargo Auto the loan was {$17000.00} with a daily fee simple loan at 3.24 % interest rate.. i have only one late payment since the loan started XXXX XXXX  14 I At the present time the loan is {$7700.00} i have notice over time that due to the type of interest on loan the interest payment has jumped a few times Last week the interest jumped up over {$13.00} On the payment making it {$35.00} so as I'm am paying down the loan the interest is going up.. i called wells fargo and went into battle with customer service, she screamed at me i don't understand the type of loan i took out and if i pay at different times it incurs higher intrest So i did caluculations of the loan XXXX x 3.24 % interest over 365 days = XXXXcents x30days = XXXX  not {$35.00} I have now gone to another bank to refinance theloan to pay off Wells Fargo.. they sent me doucuments they printed themselves and at XXXX i should be paying {$18.00} in interest please beware of Wells Fargo
Product: Credit card

On XX/XX/year> my credit card was used online for XXXX XXXX tickets for the total of {$1200.00}. I did not purchase these tickets. The individual who did purchase these tickets printed the tickets at home. Fifth third and XXXX XXXX have since told me these tickets were used on the same day of purchase, in Texas. I live in Michigan. I do not know who the person is. I filed a dispute XX/XX/XXXX, fifth third refunded the charges, and sent me a new card. The same purchase was then charged again on XX/XX/XXXX. Fifth third said XXXX XXXX denied their claim because the individual had all of my information, making it a valid purchase. I told them the person obviously stole all my information the same place they stole my credit card number online. Fifth third denied my first dispute. I filed another dispute on XX/XX/XXXX only to have that one denied also because I didnt submit any additional information or documents. I told fifth third I dont have anything to submit. I didnt purchase the tickets. I asked a fifth third fraud specialist on the phone if they can check my bank statements and see I was nowhere near a XXXX XXXX on the date of purchase/use. I was using my other fifth cards in Michigan and Indiana only. The specialist advised I email the dispute team with that question. I did, on XX/XX/XXXX. I just received another letter in the mail, dated XX/XX/XXXX that my dispute had been denied again and this is a final decision unless I have new information. I dont know what else to submit. I have not received ANY emails or phone calls from fifth third, just the TWO denial letters. Ive called multiple times. One of the times I called I was only told about the second denial and told to send the emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged {$280.00} incorrectly by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I contacted XXXX, and was able to correct the information, and was sent a letter by XXXX XXXX from the XXXX XXXX XXXX on XXXX XX/XX/2018. He informed me this was also being sent to all 3 credit reporting agencies, and should be removed in a month 's time. It is still on all 3 credit reports, and I am unable to have it removed.
Product: Debt collection

To LVNV FUNDING LLC In Re : Consumer Financial Protection Bureau complaint ID XXXX I want to address the unauthorized account you have listed under my name. It's imperative to clarify that the account statement, balance, or similar documentation provided by your company does not constitute a legally binding contract between us. Therefore, you have no legal rights to contact me for any form of payment, as I have no legally binding obligation with your company. 

In light of the information you have recently sent, I am reiterating my request for you to cease and desist all contact with me, unless it pertains to the deletion of this unauthorized account ( s ). You have 15 days, if you are unable to produce a signed, legally binding agreement between us and ( not without this ether ) verify the accuracy of all information provided, then it is imperative that you delete the account from your records. With deletion letter ( s ) sent to me at the address above. 

I want to emphasize that I have no knowledge of your company, nor have I entered into any agreements or contracts that would obligate me to pay you. This letter serves as my final attempt to resolve this matter amicably before considering legal action. 

Furthermore, in response to my previous request, I demand that you delete the alleged account since you have failed to validate it. I specifically requested validation, not verification ( WHICH YOU CLEARLY STATED THATS WHA YOU PROVIDED ), and your failure to comply is unacceptable. My message and intentions in previous complaint were straight forward and couldnt of been misconstrued as frivolous. Additionally, I notice that you are now reporting new information, which further undermines your credibility. If I have already disputed the accuracy of this information, you should have conducted a thorough investigation before reporting it. 

I insist that you report these accounts to the credit bureaus as disputed and under litigation, as I am pursuing legal action to resolve this matter. This is my last and final attempt to cure outside of litigation, failure to do so will result in further action being taken against your company. 

Do not attempt to justify the verification process by claiming, it was addressed to XXXX XXXX, therefor you didnt need to follow the request for validation. It is evident that debt is continuously sold between entities, but that does not absolve your responsibility to provide validation for this debt. My request was for validation, not verification, and your response, or lack thereof, is a clear indication of that. you can not continue to harm my consumer report with ALLEGATIONS THAT LACK PROOF! Not to mention the violations in connection with communication of a debt collector, and keep proving violations akin! 

Your actions are damaging my consumer report, credibility, and overall financial standing. I demand that you remove all information pertaining to me, as I have confidence that you will not provide the requested validation. TAKE THESE LAST WORDS INTO CONSIDERATION ( I AM NOT YOUR CUSTOMER! ) ALLEDGED ACCOUNTS ( Account XXXX ) ( Account XXXX )
Product: Credit reporting or other personal consumer reports

I've suffered from identity theft and SSN theft where my SSN was being used to work elsewhere in the country. i have the police report when my wallet with original SSN card XXXX XXXX DL and ID were all stolen and never recuperated. in addition my SSN information was stolen from the IRS in the breach they had a while back. As if that was not all my SSN has been used to work in different states. 

I have countless name variations and many addresses that do not belong. 

In addition collection agencies continue to add delinquent status on my credit report on accounts i never opened or had. 

this is impacting my ability to obtain a home a better paying job and funding for my business.
Product: Debt collection

XXXX XXXX XXXX ( 01 XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$740.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX XXXX XXXX  ) 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 XXXX XXXX XXXX XXXX  of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX XXXX XXXX XXXX 


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 XXXX and It was never provided. 


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


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Those accounts are not belong to me or any transactions made by me. 
Please remove as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX # XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being denied from a lender for too many inquiries. I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Transunion and   XXXX    report that I did not authorize and had no knowledge of. I contacted Transunion and  XXXX  immediately and was being given no help. I also request a fraud alert already to avoid any future issues. please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. I have investigated and none of these companies received any identification or authorization from me to pull my credit for any reason.     Transunion   : 1.   XXXX   XXXX   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   XXXX  3.  XXXX   XXXX   XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX  7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   1.  XXXX   XXXX   XXXX   XXXX   2.  XXXX   XXXX   XXXX   XXXX  ,  XXXX  3. XXXX   XXXX   XXXX   XXXX   XXXX  4.  XXXX    XXXX   XXXX   XXXX   5.  XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  8.  XXXX   XXXX   XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   10.  XXXX   XXXX   XXXX   XXXX   XXXX   11.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX