23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Someone opened a credit card at bank of America in my name. I never opened the card or used it. I got a call from bank of American to confirm a charge made on the card was me, and that's when I found out it. I received the card in the mail the very next day. Bank of America closed the card, and disputed the charges made. Since that happen, my credit score went down XXXX, I got letters in the mail saying I requested to forward my mail to another address away from my home address, also away from my mothers home address which is linked to my social security number... which I did not do.. I also had someone do my taxes this year at XXXX XXXX in XXXX Texas. I have yet to receive my refund and i am unable to contact the business that did my taxes. I'm thinking this might be connected..
Product: Credit reporting or other personal consumer reports

The company claim it does not belong to them but you are on there You're on my credit report I did not do an inquiry with you I did not authorize anyone to do it inquiry with you I told them according to the fair credit report act that if goods are not given the inquiry must be removed and they didn't do that and I don't recognize this inquiry cuz I did not do that
Product: Debt collection

I know that I am in good standing with the collection agencies and they are not properly submitting the amount on my credit report. Prior to this as well I tried on several occasions just to pay it off and offer an amount and they refused that as well. I believe this needs to be taken off now and I should not have to pay this back.
Product: Debt collection

I checked my credit score and noticed activity on my credit report that I am not aware of. I am a victim of identity theft.
Product: Vehicle loan or lease

I put down a down payment as there policy for us auto is no matter the credit or amount you make you have to put a down payment I did and they falsified documents that said XXXX. They supposedly operate under tila but they did not give me a my recission papers at all or mention it they did not include insurance I had to go to outside provider the finance charge was not the sum of all charges they also did not give full disclosure and let me know that my signature will create the credit. They tried to take my car that belongs to me there is no lien that has been filed. did a ucc 11 search and it came back as no liens on anything attached to me certified. I have the mco. Its in my name. They are harassing and threatening me to take my car. They say I owe for the car and that is not true I have asked for validation that I owe I have asked for a full disclosure contract signed by both parties with 2 wet ink signatures an invoice the actual accounting the lawful terms and conditions they have yet to do so just keep saying I owe x amount but cant prove it.they had me sign documents that said retail installment loan and it was actually a consumer financing transaction. The person who tried to steal my car completely breached the peace I had to call 911 and they have no security interest in the property only myself
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # 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: Debt collection

To Whom It May Concern : I am writing regarding an entry listed on my credit report under your XXXX XXXX agencys name. I request that you provide validation of the alleged debt as I have the right to dispute its validity under the Fair Debt Collection Practices Act ( FDCPA ). Per 15 U.S.C. 1692g, please provide me with the following information : 1. The original agreement or signed contract related to this debt, showing that I agreed to pay the alleged amount. 2. The name of the original creditor and an itemized statement showing the amount owed, any interest, fees, or other charges. 3. Any documentation showing your legal right to collect on this debt. In addition, I have reason to believe that communication practices associated with this collection have violated my rights under 15 U.S.C. 1692c. If you can not validate this debt in full compliance with federal regulations, please cease all further communication regarding this debt, and have this entry removed from my credit report immediately. Please consider this a formal dispute. Any further reporting of inaccurate information to credit bureaus may constitute a violation of the FDCPA. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call experian several times at XXXX and can't reach a repersenative. 
I have been trying to call about XXXX XXXX account. To my knoweledge this account was deleted om XX/XX/2018 report number : XXXX, this letter was mailed to me. I never recieved a letter saying the account would be reinserted. Please send me proof that you informed me that this account will be reinserted. The FCRA stated that the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after reinsertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had requested the company to do an investigation on an account wrongfully reported on my file and requested a copy of the investigation, they only sent me a letter stating the account was validated but provided no proof of how it was validated. 
I sent another request to provide proof of the investigation and to remove the account from my file, again they sent me a letter stating the account was validated and updated my report stating I refused their validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified this company, and have gave them signed affidavit, advising them that this is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE FIND ATTACHED DOCUMENTATION SHOWING WHY THESE ACCOUNTS SHOULD BE REMOVED. THE FOLLOWING COMPANIES HAVE BEEN NOTIFIED AND THEY ARE NOT FOLOWING THE FDCPA AND THE FCRA. 
CHILD SUPPORT THIS ITEM HAS BEEN PAID AND CLOSED. THE ATTACHED CREDIT REPORT IS INACCURATE INFORMATION A VIOLATION ON HOW ITS BEING REPORTED. 
UNAUTHORIZED INQUIRIES HAS BEEN PRESENTED TO XXXX AND TRANSUNION. 
XXXX XXXX REPORTING LATE THIS IS CLEARLY A VIOLATION. NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AND AS PER 15 U.S.Code 1666b and 15 U.S. Code 1602.In light of the facts and the laws present it is found that each assignee and creditor, being a servicer of the original creditor, operating as money transmitting business, acting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never agreed paying this company I never applied credit with them this goes against the FDCPA I am requesting for validation under 15 USC 1692g.
Product: Debt collection

Denovus is trying to collect a dept that was paid off over 10 years ago. I have recieved letters & phone calls to collect this debt which is no longer valid. This is no longer on my credit report nor is in collection. The debt was paid off 10 years ago.
Product: Mortgage

My home was damaged during hurricane Irma XXXX XXXX, XXXX. It fought with my insurance company and received a settlement of {$34000.00}. A check was sent payable to myself and XXXX Mortgage. The mortgage company placed the funds in a special account for the repairs in XXXX. The company sent a {$10000.00} disbursement in XXXX, which i subsequently paid my independent claims adjuster {$4000.00}. The XXXX was used to pay the electrical contractor and XXXX was used to restore fencing. I have been waiting for additional funds to continue the restoration of my property. I have already have paid to have my stucco restored for the damage to the outside of my home and have prepared it to be painted. I contacted Regions on XX/XX/XXXX to have them send more funds they told me someone would contact me within 3-5 business days to inspect my property. NO ONE CONTACTED ME. I called again on XX/XX/XXXX and again I was told the same thing. I finally received a call from someone who claimed they were sent referred to me by Regions ( I could bare understand the persons English ) and tried to set a date but they told me they could not see me, so they said I need to find someone else help me. iI HAVE HAD PROBLEMS WITH PAYMENT OF FUNDS FROM REGIONS IN A PREVIOUS CLAIM IN XXXX AND HAD TO REPORT THEM THEN AS WELL. I Still have l work that needs to be completed and I have waited almost 2 years to have my repairs completed and still I have to keep fighting these people. They have {$24000.00} of the insurance money I would like to have them pay me so I can finish the work and have my property restored My loan number is XXXX
Product: Debt collection

This debt was owned by a previous debt collection company known as XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. This debt has already been reported and disputed. 

This collection agency has been given explicit instructions to not contact me by phone and only communicate in writing on XXXX pm on XX/XX/year>, and proceeded to call again at XXXX pm on XX/XX/year>. Prior to the excessive number of calls to my private property, I was sent a letter claiming a debt of a different amount from the following company was owed by the same original debtor with the same account number. Requesting further documentation such as a full account summary and the original contract with WET INK signature not only was this not provided. But when I finally received communication they had purchased my information WITHOUT my consent and have not been able to produce any valid documentation. This debt has been disputed. XXXX Report XXXX XXXX My information is being held by CREDENCE RM without permission by me, purchased from XXXX of the above mentioned corporations. CREDENCE RM is in violation of 15 U.S.C 1692g, 15 U.S.C 1692e possessing my sensitive information without my consent, and has not been able to produce a license lol number to confirm they are legally able to collect such debt. Upon sending them a letter to validate the debt by requesting the original contract with my signature and the full account history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request corrections for several inaccuracies on my credit report. I recently reviewed my credit report and noticed several discrepancies related to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX an accounts which has XXXX impacted my credit history. The inaccuracies include late open, late close and charge off which needs to be corrected or removed : XXXX XXXX  XXXX XXXX : {$530.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as agreed and I never missed a payment. Please update it immediately. 
XXXX XXXX XXXX XXXX Balance : {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX XXXX XXXXXXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX XXXX XXXX : {$0.00} The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

The accounts has been reported as a charge-off, which is not accurate. I have never allowed the account to reach a charge-off status, and there should be no such negative status associated with it. 

I kindly request that you investigate and rectify these inaccuracies promptly. To assist you in your investigation, I have enclosed the following documents : A copy of my credit report highlighting the inaccuracies. 
Documentation supporting the correct opening and closure dates of the account. 
Evidence showing that the account has never reached a charge-off status. 
I understand that correcting these errors is essential for maintaining an accurate credit history, which directly affects my financial well-being. I kindly request that you take immediate action to investigate these discrepancies and make the necessary corrections as per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, you are required to investigate the disputed information within 30 days and inform me of the results. If the information is found to be inaccurate, I request that you provide me with an updated credit report reflecting the corrections made.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, was suppose to be deleted off my credit report after being investigated. For three straight months it said deleted, but was never deleted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Payday loan, title loan, or personal loan

We received a bill for {$14000.00} from " GreenSky '' on XX/XX/2019, with an interest rate over 25 %. However, we have never agreed to any loan from Greensky, we have never signed any financing paperwork or approved anything related to a " GreenSky '' account or loan whatsoever. We've never seen any loan information ( other than a bill, after the fact ). The account was fraudulently opened and fraudulently charged against, apparently by a contractor who did terrible work and never finished the job. I believe this as " XXXX XXXX '' ( the contractor ) is the only charge against the account. They apparently took our information and took out a loan without our knowledge or consent. 

We immediately called the company, " Greensky '', that day, and submitted a Dispute in writing per the directions on the bill. They told us they need to investigate and that they would get back to us. Someone then told us via telephone that we are responsible for the loan. We asked for proof, documentation, signatures, anything at all they have that would establish this loan is legitimate ( which we know it is NOT ) and they simply refused. They acknowledged that they did not have any type of loan agreement in their possession. They have not responded to any of our written inquiries or disputes ; we emailed their dispute department on XX/XX/2019 and XX/XX/2019, and sent a certified letter on XX/XX/2019 ( which they did receive ). They have refused our requests for additional information, or documentation supporting their belief that we are somehow responsible for this loan. 

When we call the " representative '' they assigned us, the call goes immediately to voicemail. When we call the XXXX number, we get re-routed to that same voicemail. They are refusing to speak with us or answer our correspondence, and continue to send us bills for this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received information and credit hit for a collection from XXXX XXXX stating I have a balance of {$3800.00} with XXXX XXXX XXXX for account # XXXX. My account with XXXX XXXX XXXX was paid in full and closed in XXXX after vehicle was totaled out. XXXX AND XXXX benefits paid amount on payoff quote submitted from XXXX XXXX XXXX. Recently even received a notice of a XXXX credit from XXXX XXXX XXXX. I do not owe any money to this company, and it was impossible to be late in XXXX as that car does not exist and I was not financed through them at that time.
Product: Debt collection

I sent a VALIDATION REQUEST dated XX/XX/2020 to Portfolio Recovery ( a Collection Agency ) located at XXXX XXXX XXXX. XXXX, VA. XXXX which was received by them on XX/XX/2020 according to USPS records of certified mail. This letter was a request for written validation in accordance with the provisions afforded me in THE FAIR DEBT COLLECTION PRACTICE ACT. The letter asked for documentation proving that they had the legal authority to collect from me along with proof of my legal obligation to pay and other legal notices required by law. They did not respond to me within the 30 days required by THE FAIR DEBT COLLECTION PRACTICE ACT. Because they were and still are in clear violation of the FDCPA, their unresponsive action forced me to send a final demand letter dated XX/XX/XXXX insisting that they remove any and all derogatory reports issued to XXXX, TXXXX and XXXX   credit reporting agencies. To this date XX/XX/XXXX they have not removed their derogatory reports from my credit file. I insist that they remove these negative/derogatory reports or I am left with no other choice but to file a lawsuit for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. My credit report has inconsistent information from all 3 bureaus. I know whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as well as conducting a proper investigation. I have highlighted the information that is wrong for XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name across the bureaus is not correct, should just be XXXX XXXX. 
I have a lot of inquiries that should be removed based on time or the fact that I did not accept the terms of the loan/financial product. 
Account issues that are accurate or missing XXXX XXXX XXXX XXXX XXXX  is missing from XXXX XXXX XXXX incorrect date for the account open XXXX. XXXX XXXX incorrect date in formation for account open XXXX XXXX XXXX - missing reporting on XXXX XXXX. XXXX XXXXXXXX XXXX missing consistent reporting on XXXX and Equifax, date open, and status XXXX XXXX incorrect reporting, date open, status, payment history, and paid off XXXXXXXX XXXX  incorrect reporting paid in good status, and not showing correctly across bureaus XXXX. XXXX XXXX incorrect info across bureaus date opened, last used/status, and debt amount, and purchased through another group XXXX. XXXX XXXX XXXX XXXX unaware of account and not reported across bureaus consitently XXXX. XXXX good account paid on time but not reported across all bureaus XXXX. XXXX - account paid on time, incorrect debt incorrect open closing and payment history XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) - account sold off but paid XXXX account on time item XXXX, don't own this debt XXXX. XXXX ( Original Creditor XXXX XXXX  ) paid on time on issues don't own debt no proof of debt and not reported across bureaus correctly 14. ( Original Creditor : ) - medical bill paid, don't own debt, and not reported across all bureaus XXXX. XXXX XXXX XXXX - reported twice, inaccurate, and do not own debt XXXX. XXXX XXXX - paid on time and not reported across bureaus, good acct XXXX. XXXX XXXX - don't own debt, sold vehicle, cleared the debt and inaccurate info on debt date opened, status, conditions of debt XXXX. XXXX - incorrectly reported, information not correct across bureaus XXXXXXXX XXXX XXXX XXXX incorrect information across bureaus, date opened, balance, payment history XXXX. XXXX - paid and not correctly reported across bureaus XXXX. XXXX XXXX XXXX not reported correctly across bureaus, paid on time
Product: Debt collection

I have requested proof of debt validation multiple times creditor has yet to provide a lease. Last conversation I had with creditor they stated they did not have an account for me.