23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, this debt for { { {$280.00} } } appeared on my credit report. I have no knowledge of this debt. I have been requesting a signed confirmation with my signature that I opened this account over and over. They only replied to billing printouts. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report. 

They have sent me documentation with service under my name in XXXX, XXXX   XXXX and I have never lived in XXXX. but they continue to say that they have verified this information. They have also sent a service worker to my present address in XXXX which I moved into this apartment on XX/XX/XXXX, and he verified that I don't have XXXX when in fact as he found out after checking the wires outside of my apartment that I have XXXX. The service worker then left my apartment with no incident or resolution to what was to happen. 

This account was previously with another collection agency and I asked for validation as I have done with Southwest and they had none so they sold it to Southwest. Which I believe it is against policy and law for collection agencies to sell accounts to other collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had charges on my account that were inaccurate. I'm not exactly sure of the dates but when I called XXXX XXXX the assured everything was corrected so at that time I closed my account. I did this on XX/XX/2018 I would like the credit companies to reflect this on my credit report.
Product: Checking or savings account

I had a XXXX with Suntrust Bank now known as Truist. Earlier this year, possibly around XXXX I completed the paperwork at my bank to transfer XXXX  XXXX to XXXXXXXX XXXX as they were paying interest. I competed the paperwork at my bank ( Truist ) and took it to XXXX XXXX. i never heard anything about it and realized I never received a confirmation email or any acknowledgment from XXXX XXXX. XXXX XXXX has no record of the transfer. I went to my local branch of XXXX where I completed the transaction. They could not pull up any information stating that becasue it was an IRA they don't have access to the information and would have to send an email. I located old statements from the bank and dropped XXXX off to the bank. This is over {$10000.00}. Can you help me locate my account, please help me.
Product: Debt collection

I have retained legal counsel and per the FDCPA I wish for all communication to cease and desist. I will be filing BK.
Product: Credit reporting, credit repair services, or other personal consumer reports

The moment I received the duplicate of my report that I purchased with XXXX I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNTS : XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the repeated failures to address the issue of fraudulent items on my account. Despite making three previous attempts to rectify the situation, the problem persists, casting doubt on the effectiveness of your fraud detection and resolution processes. 

The continued presence of these fraudulent items not only undermines the integrity of my account but also poses a significant risk to my financial security. Moreover, the prolonged delay in resolving this matter has caused undue stress and inconvenience. 

Furthermore, I expect transparent communication throughout this process, including regular updates on the status of my complaint and the steps being taken to address it. 

Failure to resolve this matter satisfactorily will compel me to explore alternative avenues for resolution, including seeking assistance from relevant regulatory authorities and consumer protection agencies. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX opened XX/XX/XXXX XXXX open balance XXXX XXXX XXXX XXXX reported XX/XX/XXXX XXXX open balance XXXX XXXX  reported XX/XX/XXXX XXXX reported balance XXXX XXXX reported XXXX XXXX XXXX XXXX  reported balance XXXX  reported XX/XX/XXXX XXXX XXXX  reported balance has violated my rights.

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

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

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

XXXX XXXX XXXXAccount-XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX Santander account XXXX XXXX-XXXX XXXX XXXX XXXX and also these inquirires addreses and names not associated with me XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX I found that my ex-husband applied with XXXX XXXX XXXX for a commercial loan with my SS #, and address. After many attempts to find out how they were able to get a credit report for a guy posing as a female. I contacted the Fraud department of XXXX XXXX XXXX and I told them happed and they told me that the account be flag as an identity theft, also told me that any application that will come on his name with my SS # will be rejected. Monday XXXX XX/XX/XXXX, I picked up my mail and is a letter from XXXX XXXX XXXX addreed to my ex-husband with my address and letting him know that the credit was freeze and to reach out to have that taking care off. This time he applied for a credit card. XXXX XXXXXXXX XXXX never did what they told me they will do marking his name as a identity theft, he is able to keep trying. I understand they are just doing business but after they know and have a report of the circumstances and have the name and SS # related to the fraud why they keep telling happend. What about my protection. They have a male applying with a female SS # and all is ok. When I called the bank on Monday XX/XX/XXXX the person that took the call told me to go to XXXX If that's the way a banker treats someone compliening about identy ttheft by someone else, I'm not sure how they can treat any one by suggesting to learn how to manage their life. Why the banks allowed people to apply for either a loan or credit card by their website and don't request than the person applying goes to one of their branches and identified them selfs. That should be a protection to the consumer. NOTE : I BEEN DIVORCED FROM HIM FOR 10 YEARS AND IN 10 YEARS I DON'T KNOW ANYTHING ABOUT HIM.
Product: Credit reporting or other personal consumer reports

Upon a recent examination of my credit report, I have identified multiple billing errors pursuant to 15 U.S. Code 1666 ( b ), specifically : 1. The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on the statement 2. A computational or similar accounting error on the creditor 's statement.

Moreover, the creditor did not provide the legally required 21-day notice prior to the statement, resulting in improper late payment recordings on this account. I hereby demand verifiable documentation from the creditor 's financial records substantiating that I failed to make these payments on time. It is evident that this constitutes a billing error.

The following items must be amended to " Paid as Agreed '' on my consumer report : 1 ) Payment Status for Month of XXXX, XXXX 2 ) Payment Status for Month of XXXX, XXXX 3 ) Payment Status for Month of XXXX, XXXX 4 ) Payment Status for Month of XXXX, XXXX 5 ) Payment Status for Month of XXXX, XXXX Pursuant to my rights as a consumer, I demand that these remarks be updated or deleted immediately. Due to these incorrect payment reports, my ability to obtain new credit has been severely limited, hindering my efforts to improve both my life and my children 's lives. Non-compliance will compel me to seek monetary compensation for this violation under 15 U.S. Code 1681n ( Civil Liability ) in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 I let the credit bureaus and secondary agencies know that there are inaccurate, unverifiable, and fraudulent items on my credit file that do not belong to me. I submitted and identity theft report. The items are still on my credit file. This is blatantly ignoring Section 605 b of the Fair Credit Reporting Act. It says that the items must be removed within 4 business days of you being notified. Also, no item is to be furnished on my credit file without my written consent. I never gave written consent for anything to be furnished on my credit file!! I have contacted XXXX, XXXX XXXX XXXX and US BKPT CT XXXX XXXX. They have told me and also sent in writing statements saying that they dont even report to the credit bureaus. This false information on my file was provided by XXXX, XXXX, XXXX and other illegal means. I do have a right to privacy! The continued defamation of my character will not be tolerated! You have caused great distress to me both mentally and financially with your deceitful practices.
Product: Credit reporting or other personal consumer reports

Collections cant be reporting as late or open on my credit report. This is a major FCRA violation. According to code 15 USC 1692g please have this removed immediately.
Product: Debt collection

I NEVER GOT VALIDATION OF THIS NOT BY MAIL OR ELECTRONICALLY
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was sent XXXX to my account on XX/XX/2022 I did a transfer of that XXXX to be in my bank. It states it takes 3-5 minutes instant transfer. All of the sudden it takes 24 to 48hrs to review not even get the money to be reviewed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written 3 letters to Experian about removing a bankruptcy from my credit report due to them not validating it correctly and for violating FCRA laws when they tried. I have sent letters XX/XX/19, XX/XX/19, and now XX/XX/19. They have failed to provide proof of validation and are breaking FCRA Laws which I have provided proof on upload.
Product: Debt collection

I went for an emergency visit to XXXX XXXX XXXXXXXX XXXX on date XX/XX/2022 when I was positive with XXXX  and was feeling unwell due to some XXXX in the XXXX, XXXX and XXXX. I was in the XXXX  for a total of XXXX minutes for which the doctors directly told me they did not know what I had. This resulted in the XXXX charging me an amount that did not match the solution or treatment provided. I was seen by 3 staff members and they all performed the same procedure as they do not trust what the others already did. At the end, their solution was for me to go home, very professional? I was sent a bill home for {$910.00} which surprisingly had a discount of {$510.00} to make the amount I had to pay {$400.00} for the little service provided, I find this as authorized stealing. This amount was fully paid on XX/XX/2022 for which I have the proof of my bank activity due to them not providing any receipts of payment apart from an email which I also have as proof. Recently, I am receiving calls from you, the debt collectors, saying that I have to pay an amount of {$280.00} this is the final amount requested and I will not go into detail of the ridiculous real amount and supposed discount because it was you who sent the information. I want you and the XXXX  to get on the same page and stop trying to charge something I do not owe. I want this resolved immediately and I want confirmation of you receiving this email and your response so I can seek the necessary legal help in case you not resolving this. Furthermore, I want an explanation of why this happened and why it is allowed for a XXXX XXXX to steal money openly and it being supported by debt collectors. Also, understand that the delay in this response is that you had my address wrong to start with and all your calls are during my work hours.
Product: Credit card

On XX/XX/year> I requested a balance transfer from my Citibank Credit Card to XXXX XXXX XXXX Credit Card in the amount of {$3900.00}. After checking both accounts, the amount was reflected on my Citibank Credit Card XXXX but the funds did not reach XXXX XXXX  XXXX Credit Card. I contacted Citibank Credit Card asking for proof of transfer of funds ( Customer ID and Trace ID ) which was received and shared with XXXX XXXX XXXX Credit Card to open up an investigation ( Case # XXXX ). 

Upon months ( XXXX - XXXX ) of trying to resolve the issue with both banking institutions ( each indicating they will open another investigation - running in circles now ) nothing is getting resolved. I called Citibank asking them to request a return of the funds which they declined to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and Experian by phone and by mail to dispute and have incorrect information removed from my credit reports after receiving the information directly from the companies. I have contacted XXXX and Experian the entire month of XX/XX/XXXXand XX/XX/XXXX by phone and U. S. postal mail. The companies also sent XXXX and Experian letters asking them to remove the information from my credit report as well and they are refusing to do so. Both credit agencies keep telling me that they can not remove the information only the companies can. I contacted the companies and they told me that they have notified XXXX  and Experian and that they will have to remove the disputed information not them. I have mailed letters and contacted them and I am not getting anywhere. The information still remains on my credit reports and XXXX and Experian is refusing to update my credit reports to reflect the correct information. I need assistance in this matter and the only other option I have left is to file a lawsuit against XXXX and Experian. I need assistance and for this information to be updated ASAP. The law states that information that is disputed must be updated or removed if not both. I am looking for my credit scores to go up with XXXX and Experian based on this information being removed from my credit reports. As of today the information is stil on my credit reports and XXXX and Experian is refusing to remove it. I have gotten no where with calling them and paying lots of money mailing the same information to them to remove the disputed information. XXXX  is the only credit agency that has updated this information without incident or problems. Once the information is removed from my credit reports I am also wanting to ensure that my credit scores do go up as well given that I've had so many problems with XXXX and Experian. Please assist me in this matter ASAP. I am up for renewal of my security clearance and I need for this information to be updated ASAP. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$2800.00}.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX # XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX/XXXX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2021 I purchased a new but damaged refrigerator and a gas stove from XXXX XXXX. I opted for the " 90 same as cash '' program with American First Finance. When the first 30 day payment came through I realized that there was a service agreement in the package that I was originally quoted as {$100.00} for a 5 year plan, is now charging me $ 74/month for the next 24 months. I called and said I did not want that plan. I was told that I had to go back to the store to have it removed. I went to the store to explain the situation and I was told that I had to call the company that supplies the warrantee because they do not. So I called the company and explained. I was told that the service agreement was removed and I would get a refund to pay American First Finance back the money. I waited in doubt. On XX/XX/2021 I still did not get a refund. I went back to the store and called American First Finance so that we could all be on conference. 
I was told the same information as before. I told them I wanted to pay the appliances off and I feel like I am being punished because they are reporting to my credit something that I do not have. I was told that they would give me an additional 30 days but that I still needed to make the monthly payment with the incorrect amount. I called the service agreement company and was told that they processed the refund wrong and that they would reprocess the refund. I called American First Finance to ask if I could please pay off the appliances and wait until I got the refund from the service agreement company. Again I was not allowed and I was told that someone from the special team would call to assist. Currently this is affecting my credit and my ability to purchase my home. I need help getting this resolved.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX my bill of XX/XX/XXXX dollars did not go through when it was on auto pay. I reached out the company and they acknowledge that they saw the payment try to come out of the bank but was rejected. They did not notify me about this rejection and just gave me a late payment. Now Im trying to get a Mortgage and because of this mark on my CREDIT REPORT its making it hard for me to provide a home for my family, it unfair that the company is not trying to work with me to resolve this issue when pay payment was automatically set.