23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 an account without my written instructions XXXX5 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Debt collection

I was checking my credit report because I received an email stating my score went down, upon checking my score I noticed that I had a collection from CREDENCE RESOURCE MANAGE so I did what any other person would do, I called the number on my report. I asked the collection rep what the collection was about, and after being authenticated he told me that it was from XXXX about some equipment, I explained that I returned the equipment, and then I asked why I wasn't notified about this, I was told that they tried calling and they sent 1 letter to my home I said to him that I did not receive any messages he told me that they don't leave messages, then I asked well why didn't I get a letter, I was told they don't send certified letters. How could I have known that someone was trying to reach me if there was no acceptable communication, I sent the equipment back to XXXX on XX/XX/year> I also have a recording admitting everything about the call.
Product: Credit reporting or other personal consumer reports

I formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to removed of : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX Balance {$67000.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Debt collection

The amount was paid in full through my financial institution bill pay on date due. The account number was changed. Synchrony Bank/SteinMart was able to submit and withdraw the full amount. A phone call was made to representative, XXXX ID # XXXX on XX/XX/2019 waiving the fees. However fees continue with finance and and interest charges to date. Two written letters have been sent to the company with explanation. I explained that I will not accept phone calls only through written documents. I continue to ONLY receive billing statements no written letter. I always pay this account in full.
Product: Debt collection

Pinnacle credit services is bought s debt from XXXX XXXX that they claim I owe. the claim I owe over {$1900.00}. I have disputed this with PCS and the XXXX major credit bureaus ; however, I do n't think anyone is trying to verify disputed information. Pinnacle is updating each month to all XXXX credit bureaus. I also contact XXXX XXXX and according to them, I do not owe them. XXXX also opened a new account with them and they are my current cellphone XXXX. I think these charges XXXX is stating I owe are bogus ; therefore, these negative marks should be removed from all XXXX credit bureaus.
Product: Debt collection

They contacted my work even after i let them know to stop calling me and they spoke with a couple of my coworkers including the companys accountant.
Product: Credit reporting or other personal consumer reports

last month when i applied for a mortgage at XXXX XXXX XXXX i was made aware that i owe XXXX XXXX  XXXX 2 credit cards that i didnt open. they indicated that i was a victim of identity theft and that i should file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many inquiries on my Transunion credit report the majority of them arent mine. Someone has been attempting to get credit with my name
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.
Product: Credit card or prepaid card

Capital One allowed someone to fraudulently open an account # XXXX in my name also make purchases and also sold my personal information to a 3rd party debt collector without my consent. I am requesting the original contract with terms and signatures that gave consent to Capital One to sell my personal information to 3rd parties for collection. I've contacted Capital One Several times to resolve the identity theft issue with no results. I am requesting documentation to seek legal action if nothing gets resolved.
Product: Debt collection

ON XX/XX/XXXX a dispute letter of request for validation of debt was to Phoenix Financial was placed in the mail. It has been over a month and the collector has yet to remove the collection from my credit reports. I plan to send a follow up of this request again tomorrow XX/XX/2021 in attempts to resolve this matter with them. 

Phoenix Financial has a different address listed on their website than what the XXXX has. I will attempt to send the letter to that address in order to have this matter rectified, prior to your investigation being complete.
Product: Credit reporting or other personal consumer reports

The account was charged off on the following date : XX/XX/year> Since then the date of last activity has been inconsistently updated to all 3 credit reporting agencies XXXX, XXXX, and Experian If the dates are coming from the ORIGINAL CREDITOR the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 
In accordance with FCRA 15 U.S.C. 1681 Please delete this account from my credit report immediately. 
Accounts Name : XXXX XXXX Account XXXX
Product: Debt collection

On XXXX, I went to XXXX XXXX XXXX Hospital because I suffered from XXXX. Upon checking in, they informed me the machine they have that tests that was broken. So I immediately checked out and went to a different ER. 

I received a bill from XXXX XXXX XXXX Hospital on XXXX for {$100.00}, since that was my emergency room co-pay with XXXX after what they contributed, which I promptly paid. That was the end of that. 

At least, until the morning of XXXX/XXXX/15 when I received a call from CMRE Financial Services stating I owed {$130.00}. This was complete news to me as for over 2 1/2 years I heard nothing more about this. 

They informed me that XXXX XXXX XXXX XXXX XXXX sold them my case back on XXXX/XXXX/13. That they 've sent notices to XXXX of my addresses and interest had been accumulating on it. 

Instantly a red flag was raised because both addresses they told me were obviously wrong. XXXX XXXX XXXX Hospital always had my right address and that 's where the doctors would pull it from. So why would they have been provided XXXX incorrect addresses? 

And why would I be charged interest on an illegitimate charge I was never notified of? This is literally illegal. 

The charges were broken down to me as follows : {$300.00} - total charge for exam {$100.00} - night fee charge {$400.00} - total {$290.00} - XXXX paid {$100.00} - my balance {$25.00} - by % 10 of interest {$130.00} - total I oweRed flag number 2 goes up. If my emergency room co-pay is only {$100.00}, why did XXXX charge me more? Also, why did n't XXXX send me an itemized statement of what they contributed like they did for all my other treatments? 

Red flag number 3 : the tests that CMRE said were performed on me never were as the machine was broken and there 's a record of that. 

Red flag number 4 : The hospital always had my phone number, why did CMRE never attempt to call me in 2 1/2 years time? 

Red flag number 5, CMRE had no address or phone number listed for this billing agency. And when I called XXXX XXXX XXXX Hospital, they said they 're not based out of there and there was no way to reach them ( except by a lead on a phone number that does n't seem to be working ). 

Turns out it 's a scam and CMRE was complicit in insurance fraud and bilking me on interest charges on a charge that never existed nor was I notified of.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has become apparant that the Data Breach in Equifax has caused considerable damage to XXXX of Americans across the country with no sign of remorse or monetary supplementation I believe my right to privacy has been infringed upon and request that all my personal information is stripped from the credit reporting agencies immediately all accounts deleted and all inquiries deleted from alXXXX XXXX reporting agencies and new social security numbers issued
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items 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 are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Mortgage

We mad a payment to Ditech for our mortgage and the mortgage company put our payment onto someone elses account. This payment was done over the phone with a conformation number given. This payment also shows a debit out of our checking account. We have been in contact with them for 4 months about this and they say they are taking care of it and have not done so. It is still showing that we did not make our XX/XX/XXXX payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting late payments on two of my credit cards, cards ending in XXXX and XXXX. 

15 U.S.C. 1666b is part of the Fair Credit Billing Act ( FCBA ) 15 U.S. Code 1666b - Timing of payments ( a ) 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get incorrect information removed from my credit experian report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for an account that was closed in XXXX and was last paid on in XXXX. 
I have requested that experian validate and provide the copies of information to prove they have the right to put negative items on my credit report. On XX/XX/XXXX I call and emailed a copy of a letter from my Attorney that was sent to the Creditor ; XXXX XXXX XXXX 
Experian updated the dispute on XX/XX/XXXX again to show a negative mark and my credit report is still not correct. 
I can provide a copy of the letter from my Attorney.
Product: Checking or savings account

Ive had several transactions disputes due to another company ( XXXX ) debiting my account after I revoked authorization. USAA dispute department walked me through steps via phone and I requested stop payment on future transactions- it didnt work. 

Then Im notified dispute credits will be reversed. I make XXXX each week and the reversal amount to XXXX this week. I have tried multiple time to discuss with USAA live representative and I was told yesterday that request to pause or move date of reversal was submitted ; I woke up to discover the reversal occurred and my account is over drawn. I have no gas, no food, and will be stuck in XXXX Tx.
Product: Checking or savings account

On XX/XX/XXXX I disputed an unauthorized transaction from my chime account XX/XX/XXXX Chime approved my dispute admitting an error occurred and saying I would be refunded. Still to this date I have not been refunded. On XX/XX/XXXX I called customer service and they said I would be refunded by XXXX hours. That did not happen. I have called multiple times in the past weeks and they keep on doing the same thing just saying they will escalate the claim and it will be refunded in XXXX hours. Still they keep telling me the same. Thing with no results. I have been lied to by multiple employees and they refuse to connect me to someone who can actually help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT ACCOUNTS THAT DONT THAT BELONG TO ME
Product: Credit reporting 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.

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 an 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

I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiries listed below from my credit file. I am a victim of a data breach, and I did not authorize or initiate these items. 
Fraudulent Account XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$610.00} ) Fraudulent Inquiries XXXXXXXX XXXX XXXX  ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX  ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Date : XX/XX/XXXX )
Product: Checking or savings account

I add my card from XXXX XXXX to PayPal and for show pay, show pay is scan code, that you user in variety of store That PayPal indoors and you can user the code with there indoor er, well I make a couple of purchase with the scan code show pay, to be exact about for purchases, on the fifth purchase there system was block my card and my purchases was coming up decline. I don't understand why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies these accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDOEXXXX XXXX {$48000.00} US DEP ED XXXX {$23000.00} US DEP ED XXXX {$2900.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}
Product: Mortgage

My mortgage has been passed on to Fay Servicing and a deferred balance of {$100000.00} showed up on my statement. I called them and they could not give me an answer as to the breakdown of this cost. The deferred balance will come due when the mortgage is paid off in XXXX. I need to stay in my home, so if I tried to sell I would never make enough money to pay this deferred balance owed. 

History of my Mortgage XXXX had my mortgage and I was trying to get refinanced but they never received my application ( Faxed in many, many copies ) XXXX sold to XXXXXX/XX/XXXX sold to XXXX XXXX XXXX sold to Fay Servicing
Product: Credit card

As I was going through my credit card statement one day back in XXXX XXXX, I noticed an extra interest charge that read " cash advance '' In XXXX again, I was checking other statements starting from XXXX XXXX through now and noticed a {$510.00} cash advanced charge plus all the interest they have been charging me. I was falling behind on my payments and that is why all the interest and amounts finally caught my attention. Not knowing why the charges were there, I called Capital One to find out and the person that I talked to said that the charges are for a supposed {$510.00} cash advanced withdrawal, which I never made. He said it was related to the " cash advanced '' for XXXX XXXX. Which I never made. I went to one of the branches and I was told that I had to disputed directly with the credit card, which I already did. If you could please help me out with this situation.Help me clarify this transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am an expat who have been living abroad since 2012. My credit score has dropped from excellent to poor in the last 6 months ( while I have been living in XXXX ) due to identity theft. Someone has gotten 2 XXXX cards under my name, which has become delinquent, and applied for multiple other loans / credit cards, which resulted in " hard '' credit inquiries with the 3 agencies. 

Seeing that I am living overseas, I tried to file disputes on the fraudulent accounts / inquiries and place a security freeze through the websites of Equifax, XXXX, and XXXX, but I was unable to complete my request. The XXXX site in particular keeps directing me to their PAID fraud protection services at {$19.00} / month. I suspect that these credit agencies deliberately make it difficult ( or almost impossible ) to place a freeze in order to promote their own products.
Product: Debt collection

AVANTE is claiming that I owe them {$680.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my identity has been compromised, it has strongly effected my true credit report and reflects unauthorized and unknown accounts to me, I'm demanding that these accounts be removed immediately from my credit report. The following accounts are, XXXX XXXX XXXX {$440.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$1500.00}, XXXX XXXX {$640.00}, XXXX XXXX {$210.00}, XXXX XXXX XXXX {$150.00}, In accordance to the laws of the FCRA if you can not show true and physical documentation of the original document of these accounts then these accounts shall be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX 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