23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX AZ XXXX XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

Convergent Outsourcing, a collection company assigned from XXXX reports my account as current and delinquent. 

This was a XXXX Account that was closed XX/XX/2015. My payment on this account was never late. I closed the account and returned my phones. XXXX reported my account in bad standing before they issued me a final bill or gave me credit for my returned phones. 

Every year I dispute this on my credit bureau reports. Every year they report payments history like this was a current or recent account. 
My complaint is that the credit bureaus allow this. My perspective creditors don't see a 6-year-old account. They see a newly delinquent account. This is incorrect. XXXX 's name has been completely removed from the history. I never conducted business with Convergent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was able to place a new account on my credit while my credit is on a freeze. No new accounts were supposed to hit my account during a credit freeze and the credit report agency is allowing XXXX to report on my credit everyday to bring my score down even though my credit is on a credit freeze. All 3 of my credit files are on a credit freeze. How can XXXX enter a new account while on a credit freeze?
Product: Checking or savings account

Mountain West Bank account was closed. They honor check presented after account closed and are continue to charge continuous fees.
Product: Credit card

I am requesting to reopen Bank of America dispute ID XXXX ( {$3000.00} ) & XXXX ( {$5700.00} ) Per my credit card agreement, I am seeking arbitration because Bank of America California , National Association ( FDIC XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX www.bankofamerica.com refuses to correct a billing dispute on my bank statement. I formally request from the credit card issuer, merchant, and merchants bank the business opportunity disclosures required by FTC Federal Trade Commission, Rule 16 C.F.R. Part 437 & 15 U.S.C. 41-58. and the Earnings claim statement required by law. The Commission has extensive law enforcement experience challenging misleading earnings claims under section 5 of the FTC Act, 15 U.S.C. 45 I was never issued an earnings claim statment nor a business opportunity disclosure. This begs the question of the legitimacy of the merchant and the reputation of the merchant 's bank not knowing their customer 's business and not proactively protecting the market from financial crimes and reducing the risk of fraud with proper screening and diligence. Per the XXXX XXXX XXXX XXXX, I request a recall and a hold harmless letter from Bank of America.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account # XXXX reporting illegal late payments on my credit report to XXXX for the amount of XXXX which I do not owe the company they did a illegal debt parking which I did not give them permission to report any thing which the company violate consumer privacy under the federal laws Fair debt collection practice act 15 usc 1692 g also for late payments. Timing of payments 15u.s.c.1666 B ( a ) 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 design 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. 1. Requested the periodic statement 2. requested information from 1637B 3. negative information notice 4. I requested tracking number back dates from recieve did not hear back from XXXX
Product: Credit card or prepaid card

Hi i am a victim of identity theft back 2 to 3 years ago, upon checking my credit i see these theft un authorized cc, i need these removes from XXXX and XXXX pleaseeeeeeeeeee .... 

ARS account resolution for {$47.00} XXXX XXXX {$860.00} ARS account resolution {$1800.00}
Product: Debt collection

I received a call Tuesday XX/XX/XXXX at XXXX MST from a gentleman attempting to reach me at a prior address. XX/XX/XXXX at XXXX MST : I received a call from the same gentleman who stated he is calling from XXXX County to serve me at the prior address for litigation to process. He intends to serve me documents and cant disclose why or where there are from. He said to call XXXX to review the details. I was given a Case # XXXX. I contacted the XXXX and spoke to a XXXX XXXX at extension XXXX who was a " Manager in Legal. '' XXXX stated that I am being sued for a prior account that I had in XXXX and that if I don't pay it I will be garnished 25 % of my wages. I was also offered a lump sum payment of {$1300.00} or pay half now and pay the second half in 30 days. Any payments would need to be mailed via certified funds. XXXX XXXX stated they are located in California however he would not provide an address. This individual has all information listed under the credit report listing for this prior account, which should never have happened. My mother has also reported to me that the original gentleman blocked his number and called her asking for me. I contacted the original creditor and they stated that they have had a few other customers call in reporting that they are also receiving complaints for such calls. The original creditor confirmed they still have my account in house and that these calls are fraudulent. This means they also have my families contact information. I feel that this has put me and my family at risk and in danger.
Product: Debt collection

Re : CREDIT COLLECTIONS- ACCOUNT NUMBER UNKNOWN Dear CREDIT COLLECTIONS, I am writing to formally demand that you cease all communication with me regarding the above-referenced account, effective immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I request that you cease all collection activities, including but not limited to phone calls, letters, or any other forms of communication, concerning this account.

In addition, this letter serves as a formal demand for you to immediately cease reporting this account to any credit reporting agencies. I believe this account to be the result of identity theft, which I have previously disputed. Attached is a copy of my identity theft report for your records. Since this account is fraudulent, it should not be reflected on my credit report, and I expect you to take immediate action to remove it.

This letter does not serve as an acknowledgment of any debt or liability. I do not consent to any communication by phone, at my place of employment, or home regarding this matter. If you intend to take legal action, any further communications should be limited to written notice of such action as required by law.

Failure to comply with my request may result in further legal actions.

I expect written confirmation within 30 days that you have ceased all communication and collection activities and that you have notified all credit reporting agencies to remove this account from my credit report. 

Thank you for your immediate attention to this matter.
Product: Student loan

Some of my private student loans, originally serviced by XXXX, were sold to Discover Student Loans. Of the XXXX loans serviced by Discover, XXXX have seen a major jump in interest to 10.125 %. The third has remained at a reasonable 4.5 %. I know numerous people with Discover Student Loans and they have interest rates in the 3-5 % range. Since I went back to college and had trouble finding a job afterwards, I have not been able to make anymore than the minimum payment and my balance keeps going up. I am already having trouble making ends meet and Discover decides to raise my interest rates to an unprecedented level. They are taking advantage of my poor financial condition to make the principal balance higher so they generate more income on interest. Numerous people are in my position, trying to make a life for themselves but can not do so because student loan companies are conducting unfair business practices.
Product: Debt collection

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately
Product: Debt collection

Reference Number XXXX is the debt collection number that does not belong to me.
Product: Debt collection

A debt collector from XXXX XXXX at phone number ( XXXX ) XXXX called me on XX/XX/2015. The collector asked for me by name and I said yeah eventually. She then informed me that a had a debt for Capital One Back in the amount of {$500.00} dollars. I then asked her if she was going to verify if I was the correct person by Social Security number or Birthday and address and she just kept confirming my name. I then asked her if she was suppose to give me the mini Miranda by law since she just told me everything without verifying and she did not say it. I asked her if she was required to verify and give the mini Miranda and she ignored my question and kept confirming my name. I asked her to transfer me to a manager. The manager got on the phone and I informed him of what just happened. I asked him the same questions and he told me nothing but who I called and if I wanted to resolve the debt. I then asked him if he was a third party agency and he ignored my question. The manager did not verify or give me the mini Miranda. I then asked to speak to his manager. She came on the line and identified me by name she then immediately gave me the mini Miranda and I said. " so you do have to say it! '' I then told her about her other XXXX reps and she responded that they do not have to verify because they bought the debt from Capital One. Which still makes them third party. I am filing a complaint in reference to this call. I feel that if anyone would 've answered the phone and said they were me they would 've disclosed all of my information to a third party. I do not feel comfortable having my personal information in the office of XXXX XXXX simply because of this call and the negligence of the procedures they have in place. This agency is in violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XX/XX/2022 To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXX XXXXXXXX I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. In late XX/XX/2022, I was involved in a serious financial hardship that resulted in reduction of work hours my inability to make payments for several months. 

During the period of my recovery, I struggled to maintain my financial obligations and had missed payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score. 

It would assist me tremendously if you could make a goodwill adjustment that delete these negative account entrys from my XXXX credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

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

I XXXX XXXX have not given written, verbal instruction or permission to XXXX XXXX XXXX XXXX to report to any Credit Reporting Agencies. 

I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an account balance sheet. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation 15 U.S.C. 1681 Section 602a, states I have a right to privacy. 
15 U.S.C. 1681 Section 604a, section 2, Also states that a consumer reporting agency can not furnish an account without written instruction from myself. 

The account statement that was provided to Experian, XXXX and XXXX to validate the account can not be considered as sufficient verification of a debt. Please read the case below : In the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ) Instead, XXXX obtained a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 


The balance sheet in no way provides sufficient verification of the debt. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. 
- This account is also a fraudulent and have file an Identity Theft Report with the Federal Trade Commission Report # XXXX Please remove this account from my report, it is against federal law to report unvalidated information. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

I requested a dispute and investigation into XXXX account that shows a balance of {$1500.00}. The account number to this account is XXXX. I have not received an update on this account. I have disputed this account as recently as XX/XX/2023 but I have not received any updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX DEPT OF ED INQUIRED ON XX/XX/XXXX XXXXXXXX XXXX  INQUIRED ON XXXX XXXX, XXXX XXXX XXXX INQUIRED ON XXXX XXXX XXXXXXXX XXXX INQUIRED ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON XXXX XXXX, XXXX
Product: Debt collection

A Collection Agency named Progressive Management say I owe {$330.00} to them for a medical bill XX/XX/XXXX. Which would n't be possible since I was under my mothers healthcare and barely graduating high school. I did n't know anything about this debt till I tried to get a credit card around XXXX. I got no letter or email saying I owed anything. It just stopped me from getting a credit card since this was on my record. I checked XXXX and XXXX to see if they can find it, I even called XXXX to see if they can find this debt I owed. But they said I had a clean record and I owed nothing. So I tried for a credit card in XXXX with my mother to see if I can do a joint account for a credit card and they told me the same thing. this debt collecting agency was on my record. So after that I research them and found out they scam people in debt that is not real. I found out they went for people who had someone deceased in their life. If it was their child, spouse, or even ex spouse. They have been around since XX/XX/XXXX. Now XX/XX/XXXX I finally have a credit card but still have this in my record and I just want it finally removed after finally getting this letter of last month showing that this company actually is on my record on this piece of paper.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

The information on credit report is incorrect and not accurate it is only showing the name of the account XXXX XXXX  XXXXXXXX XXXX XXXX Last 4 numbers of the account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report has been improperly used and my rights have been violated. In accordance to 15 USC 6801, 6802, I was supposed to be given the appropriate notices to report anything on my Consumer Report, then be given the option to opt-in or optout of allowing that information to be reported to my consumer report and then given the exact process to be able to optout securely. 
1. XXXX XXXX 2. XXXX XXXX XXXX I need for all of this information to be removed from my consumer report. In addition, there's one reporting in particular I never even heard from and they have not responded to the certified letter I sent them a month ago. They need to be removed from my consumer report as well. 
1. Nationstar Mtg./ Mr. Cooper
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On one account the items were deleted but appeared again as card services. XXXX XXXX XXXX appeared after the original account was deleted. The info on my student loans is incorrect. I have opted out of my information being shared with credit agencies with XXXX XXXX. They should not be reporting any info on my report. The XXXX XXXX card was a business card that was not on my personal. I have been in constant contact with these companies but yet there is still inaccurate information creating harm and unpleasant devastation to my life. However the credit report agencies. Keep sending me letters stating that someone else is trying to dispute these items off my credit report and that they are not deleting them for security reasons
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that EXPERIAN credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 3 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following XXXX XXXX XXXX Collection Account Account Number : XXXX Balance : {$1300.00} XXXX XXXX Collection Account Account Number : XXXX Balance : {$1900.00} Inquiry from XXXX XXXX  Date : XX/XX/year> These fraudulent accounts have resulted in multiple unauthorized hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize these accounts, collections, or inquiries. They were not opened, made, or initiated by me and are entirely the result of identity theft and fraud. 

Attached is a copy of my FTC Identity Theft Report Case Number : XXXX which serves as proof that all the aforementioned accounts, collections, and inquiries are fraudulent. I request that you block this information from my credit report immediately as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter is greatly appreciated.