23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom This May Concern, Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I am requesting validation of this debt. Please provide complete information on the original creditor, original account number, the date this account was open, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges.

If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request.

At this time I dispute the validity of this debt under 15 USC 1692. Please verify this debt in writing and provide all imformation requested above within 30 days. 
If validation is not provided, I will expect this item to be removed from my credit report and further collection activity to cease.. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

An account under the name " XXXX '' was disputed and removed from my Equifax credit report on XX/XX/2022, as Equifax was unable to validate or verify this " debt. '' This account has since been reinserted onto my credit profile without me being notified by the credit bureau at least 5 days prior to the reinsertion date.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX  XXXX XXXX {$460.00} XXXX XXXX  XXXX {$3800.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX  XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$35000.00} XXXX XXXX  XXXX XXXX {$0.00} These credit accounts are the results of identity theft and fraud.
Product: Credit card or prepaid card

Credit line opened under my name unknowingly. I did not open up a credit card with merchant ( Home Depot ), nor did I ever have any line of credit with merchant, I checked my credit report and notches issue. I was a victim of identity theft and I want this issue resolved immediately. Thank you.
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a a dispute to Equifax I contacted XXXX XXXX XXXX agency by email and by mail several times in reference to my collections account listed on my credit report. I also contacted the original creditor in reference to the account ad my insurance company. I had a redetermination ran through my insurance company and the claim reprocessed I also had a my credit card set up after the claim was complete in order to ensure that the claim was paid. XXXX XXXX was informed this information as well as the original creditor My insurance company reprocessed the claim and then processed my health card for payment I informed the company they the reported the collections account as paid. This account should not have been in collections! This was a insurance issue needing to be handled in which it was handled by insurance, They still are reporting it when it was paid by insurance payment on XXXX. I have reach out the them several times to have this removed from my account. They do not respond, they don't send what is in the credit profile that they are reporting to the bureaus. The credit bureaus are claiming this account is verified after sending in the facts that this account is reporting they are not sending the information as well. This account is considered FRAUD I do not have a contract stating I owed them anything. They don't respond to nothing I send to them they ignore messages. How is this account verified and I don't have a contract with them? How can this be reporting and they aren't responding when I ask what documents they are sending or they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I obtained my credit report from XXXX. I noticed that there are 16 fradualent inquiries on my credit report. I contacted XXXX  to have these fradulent inquiries removed but they have not done so. I am asking that the consumer protection agency office assist me in getting these fradulaent inquiries removed. The fradulent inquiries have resulted in me being denied credit for a new auto loan and a apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - UMB XXXX - never applied for credit XX/XX/2022 XXXX XXXX XXXX XXXXXXXX - never applied for credit XX/XX/2022 - XXXX XXXX XXXX - never applied for credit XX/XX/2022 - XXXX XXXX - XXXX inquires in last XXXX XX/XX/2022 - XXXX XXXX statement XXXX Never worked with XXXX XXXX or applied for credit or deposit accounts XX/XX/2022 - First XXXXXXXX XXXX XXXX  - never applied for credit XX/XX/2022 - XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX in their possession. I've never applied for credit with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was settled and payment history still shows as negatively report. Was never notified about not making payments from an bill auto payment. Was working on correcting this account however bank recommended to settle. I would like to continue to business with the bank in the future and would like in good faith to correct this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I call Equifax XXXX and XXXX They notice that I have a SECURITY FREEZE on my file as of XX/XX/ 2018. 

There is a PIN number provided when you open a security freeze that has to be given in order to lift the security freeze. 

Equifax XXXX and XXXX Isn't asking for my PIN number anymore. Stating they don't have too. 
Allowing access to everyone! 

Please note : I had a friend call while in front of me and my PERSONAL INFORMATION was given to that person!
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXXeaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Mortgage

1 ) When we were offered our loan modification, we were given just one day to go over the documents, sign, and return them ( I have email proof of this ). This did not give us time to seek help in understanding the terms of the agreement. Therefore, we ended up with a balloon payment not really knowing what that meant. If we did n't sign right away, we would have just made all of the trial modifications for nothing and lost the house at that point. We worked so hard for over a year trying to get this modification, we signed not really understanding what we signed. I ca n't believe that it is legal to give borrowers 24 hours to sign such important paperwork. 

2 ) When our renters were unable to make timely payments on the property, we fell behind. I contacted the mortgage company to make a repayment arrangement. I was told to fill out a complete modification package, and then received notice that I was denied. When I was finally able to speak to someone about this, I was told that I did n't really need to fill out all of that paperwork and that they had requested it by mistake.The denial letter was for a modification, which I did not request. I had requested a PAYMENT PLAN to catch up. At that time, I requested a repayment plan over the phone, was given an apx. amount and was told I would be sent paperwork. When I did not receive paperwork, I tried multiple times to reach my point of contact, but was never able to get her, or even that department. I never received an actual amount, or date, to pay.No paperwork no call, no email. I then received notice that I breached the terms of the repayment plan! I never received any terms!! How can I breach something I did n't even see, sign, or know about?? 

3 ) I am never able to get a hold of anyone in their Home Retention Department. Despite calling at their advertised open hours, I am put on hold, transferred, told that they must have left for the day, all the while never getting the information that I need. I am always told by customer service that they ca n't help me and that I need to call back. 

After all of this, I want to sell the home. But, because of the balloon payment that was not explained to us, we wo n't be able to get enough out of the home to pay off the new loan amount. I am afraid to deal with Carrington directly, as I have had nothing but issues with them, as you can see. 

We have been swindled!
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES DOES NOT BELONG TO ME.
Product: Vehicle loan or lease

My car was recently Stolen and so I have no Car to go to work nor to drive for my personal needs. I contacted the bank for a extension or a payment to be pushed back, and after Never being late in any payments they said no, I asked them kindly because I literally have to rent a car until this issue of the car getting stolen gets resolved. the bank denied me any request but threatened to report to the credit bureau if I did not make any payment this month. I am disgusted of how I was treated with this bank.
Product: Credit reporting or other personal consumer reports

XXXXDispute Statement** I, XXXX XXXX XXXX XXXX dispute the address at XXXX XXXX XXXX, XXXX, GA XXXX XXXX reported on XX/XX/XXXX, with dispute number ( XXXX ) XXXX. Additionally, I request the addition of my employer, XXXX XXXX XXXX XXXX 

Regarding inquiries, I dispute the following : XXXX XXXXXXXX - Location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX - Requested On : XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual XXXX. XXXX XXXX XXXX XXXX - Location : XXXX XXXX XXXX XXXX, XXXX, TX XXXX - Requested On : XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual Regarding aliases, dispute the following names and IDs : - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX, ID # XXXX - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX, ID # XXXX Dispute addresses at : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, GA, XXXX, Address ID # XXXX, Single family Additionally, I request the addition of my XXXX XXXX XXXX XXXX XXXX 

Dispute the following hard inquiries : XXXX. XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX, WI, XXXX XXXX. XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX. XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX XXXX. XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA, XXXX XXXX. XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Please investigate and remove these inaccuracies promptly. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

The company XXXX XXXX XXXX, XXXX says that they brought my account from Synchrony Bank in the amount of about {$1400.00} dollars they also reported it to the credit agencies which has caused my credit rating to go down for the second time for the same charges for XXXX  that were not made correctly and of no use to me. XXXX XXXX refused to refund the money to the Synchrony bank credit card that I used to purchase the dentures and Synchrony refused to be fair with collecting the charges and took a one sided approach about who should repay the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a late payment on my account for XX/XX/XXXX. That is incorrect. I was approved for an extension which covered XX/XX/XXXX and XX/XX/XXXX. So payment could not have been late for XX/XX/XXXX since extension was in effect. After multiple attempts to figure out why they reported late. I spoke to representative which then told me it was from XX/XX/XXXX payment that was reported. That as well is incorrect. Payment was made 4 days after the due date which i have a grace period to do so. Representative agreed. He said it was reported in error and that i had to dispute it with the credit bureaus to get corrected. He also stated that they would credit the late fee charge that was applied to my account since that was a billing error. I asked if they could correct it on their side since it was their error. He said they couldnt. But that he could provide me with a transaction history to prove my payments were made accurately. I have not received that transaction history. This has been very frustrating because this is severely hurting my credit score. i continue to contact XXXX to try to get it resolved and they have been no help other than apologizing on their behalf for their error.
Product: Credit card or prepaid card

Approximately XXXX XXXX, during the pandemic, We have access my chase online account and came to find out that it was on the freeze account mode. I've learned that my account was past due and never knew about it. I've contacted Chase to find out what's happened since my payment was on the auto payment mode and the payment were coming out of my personal bank. We spoke to a man representative and told us that my monthly payment were raised and the payment that they received from us was not enough and that's reason I was on the past due status. I asked them why I never received any notification in regards to my new monthly payment. The representative has give me an instruction to make a certain amount of payment for three months until XXXX and I should be up to date on my payment by XX/XX/XXXX. 

After that, On XX/XX/XXXX, I was receiving a notification saying that I am past due again. I called Chase credit card to find out what was happened and they couldn't located who I spoke to back on XXXX XXXX. I was making payment twice to Chase Credit Company from XX/XX/XXXX until XX/XX/XXXX. I also made a complaint to their their XXXX collection dept. that Chase Credit Company got their customers talking to some representaive that they can't even identify who it was. 

on XX/XX/XXXX. I have obtain my free credit report and I came to find out that Chase Credit Card XXXX has reported that I was late for 30 days+ on payment which I have the credit payment on the automatic payment straight from our checking account.
Product: Debt collection

I started receiving calls from this company. Robo calls. 

Tried to get verification from them. Written verification they have refused. 

I emailed, faxed and sent certified mail which they signed for. 

I have got nothing from them
Product: Debt collection

This company called one day out of the blue, asking about an old utility bill for the city of XXXX XXXX. I had not lived in XXXX XXXX for 18 months and had no knowledge of this debt. I told the women that account was closed in good standing years ago with a deposit refunded and everything. The lady and I kept going back and forth and I kept saying it couldn't be my debt, could you send me paperwork so I could review the dates because havent lived there! She asked if I ever lived at the address in dispute. I answered yes. She immediately hung up and it was placed on my credit report. I never saw proof of debt or even a bill. This company broke the rules by not providing any paperwork with said debt and immediately attached it to my credit report even after I said it couldn't be my debt because I havent lived there since 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 1. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

2. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

4. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

5. XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

6. XXXX XXXX Account # XXXX has violated my rights. 

7. XXXX XXXX XXXX Account # XXXX has violated my rights. 

8. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

9. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report.

In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''.

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them?

Please provide me with the name of that individual, their business address, and telephone number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the accounts ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1s hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : XXXX XXXX XXXX XXXX Account Number : # XXXX Account Number # XXXX Provide Physical Proof of Verification
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX XXXX, I have an account with Merrill for company share awards. On the XXXX I sold some shares hoping to transfer the proceeds to my XXXX bank accounts. I use a company calle XXXX that gives me the ability to receive ACH and Wire account transfers in the XXXX. Merrill refuse to allow me to transfer via ACH and they charge {$7.00} for wire transfers ( I also have to pay for recieving the wire transfers. ) I contend that this is anti-competitive to arbaterally restrict the use of ACH transfers so that they can collect fees for wire transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute on XX/XX/XXXX and XX/XX/XXXX and I received a correspondence back from XXXX that my information was not acceptable. Well, I sent in a copy of my drivers license, social security card and my cable bill which is proof of residence. This is a stall tactic to buy more time and this is past the 45 days which was from my first dispute.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2021 Square Inc, closed my account due to a chargeback. My cash tag is XXXX XXXX. I had no affiliation with this chargeback and do not understand where that came from. However, with my account being closed I still had a remaining balanced left on my account. It totals to {$180.00}. I have tried to connect multiple debit cards and bank accounts and it keeps denying them. I have contacted them on multiple occasions only to be told to continue to try different methods. Nothing is working and I am still unable to gather my remaining funds left in my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 

Personal Information : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a check from my insurance company and the check was deposited, funds were made available and then returned. When reached out to XXXX XXXX they said the funds cleared their system. Both parties are claiming they no longer have the funds but they're not in my account either,