23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 I reviewed a copy of my credit report and noticed two collection accounts XXXX XXXX XXXX XXXX for the amount of {$1500.00} and XXXX for the amount of {$550.00} that does not belong to me. I reached out to the credit bureaus in regards to this matter on both collection accounts and I have not received a response with proof validating this debt. These accounts are hindering me from purchasing my first home and I would like them deleted immediately. I received a letter in the mail from the creditors with e-signatures that I have no knowledge of. Please resolve this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} written off. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. 
XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XXXX XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed by a fake investment company and then a fake law firm who said they would help me. Payment went through XXXX  and cashapp. My issue now is I feel like there are scams of people who say they can recover my funds as well. So I am very weary of the process here until a friend of mine who is very concern about my health that is deteriorating informed me of your service that you can help me put things right. 

I was contacted by what I thought Was a legitimate investment company named XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX they promised me fantastic returns on investment and we signed multiple contract agreements. Payments were in BTC through XXXX totaling {$55.00} USD. After they kept asking for more money I found the real XXXX XXXX and they ensured me that who I was dealing with is a scam ( I have the emails that show this ). 
An accomplice of theirs made as if he had fell to the scam with me and had me contacted by XXXX XXXX, a law firm that was going to help get my money back. I paid them $ XXXX in BTC through cashapp and after I got nowhere with them ( they made a big story and forged legal documents out of the XXXX XXXX I found the real XXXX XXXX and they assured me the email addresses that I was talking with were a scam.
Product: Debt collection

I noticed 1 collections account on my credit around XXXX of XXXX. I called the apartment property manager who confirmed this account to be fraudulent. She informed me that there was a fraud alert placed on the XXXX XXXX apartment application on XX/XX/XXXX and the drivers license number on file is incorrect ( does not match my drivers license number ) and she was a new property manager so she was unaware of the transactions. They have an emergency contact for XXXX XXXX, I do not know this person. They also have a contact email address on file that is incorrect. This person rented the apartments and did not pay anything towards the account but they could not be evicted during covid. The total amount is for {$22000.00}. 

The property manager stated she would send the information she provided over the phone via email but she did not get back to me after multiple attempts to get through to the office I attempted to find the contact information for the collection agency. I requested a physical copy of my credit report around XX/XX/XXXX. 

I believe that same person rented another apartment at the XXXX XXXX. The apartment property manager would not give me any information and stated I should contact the police to receive any information on a possible fraudulent account. I called the collections agency on XX/XX/XXXX and was informed to dispute the charges with the main credit bureaus. The collection agency manager provided the account number and amount owed was {$29000.00}. I filed a police report the same day, XX/XX/XXXX. After receiving a copy of the police report on XX/XX/XXXX to report the incident to all major credit bureaus possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in countless letters to XXXX  and TransUnion consumer reporting agencies regarding the XXXX XXXX account on my report. I have served XXXX XXXX with a Cease and Desist Notice. The XXXX XXXX account should not be on my Consumer report. I haven't given any company or person permission to furnish XXXX XXXX on my Consumer report. Both XXXX  and TransUnion should delete the account immediately before I take legal action against both Consumer reporting agencies according to the FCRA.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Re-insertion of Previously Deleted Accounts on Credit Report To Whom It May Concern, I am writing to formally dispute the re-insertion of previously deleted accounts on my credit report. These accounts were appropriately removed following prior disputes and should not have been placed back onto my report. The re-insertion of these accounts constitutes a violation of the Fair Credit Reporting Act ( FCRA ), consumer protection laws, and federal regulations governing credit reporting practices.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), the FCRA prohibits the re-insertion of previously deleted information unless the creditor provides certified evidence verifying the accuracy of the information. Furthermore, Equifax is required to notify me within five business days of any such re-insertion, as outlined in the same section. To date, I have not received any such notification, nor have I been provided with certified evidence substantiating the accuracy of these accounts.

This failure to comply with the FCRAs procedural requirements jeopardizes the accuracy and integrity of my credit report and undermines my rights as a consumer under federal law. I demand the immediate removal of the re-inserted accounts and request the following actions to resolve this matter : Immediate and Permanent Deletion of Re-Inserted Accounts : Remove all accounts that were previously deleted from my credit report and ensure they are not re-inserted without full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Provision of Certified Documentation : If Equifax claims the accounts were properly re-inserted, provide certified documentation from the data furnishers verifying the accuracy of the accounts, as required by federal law.

Written Confirmation : Provide written confirmation that the accounts have been removed, along with an assurance that no further re-insertion will occur without adherence to all FCRA requirements.

Failure to address this issue promptly and in compliance with federal law will leave me no choice but to escalate this matter. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies for FCRA violations.

Thank you for your immediate attention to this matter. I look forward to your response and resolution within 15 days of receipt of this letter. 

Sincerely, XXXX XXXX
Product: Debt collection

I work in XXXX, IL and got a few parking violations that I thought were inaccurate due to parking in our community which impacts me just trying to work in that community. Either way, I got a call from A/R Concepts ( a collection agency ) @ XXXX on XX/XX/2023 from a gentleman. He was very foul and threatening. He called me and everyone in my community names and entitled after I told him to go ahead and put this on my credit. I am in the process of attempting to settle with XXXX. This gentleman then started to use profanity and after I reacted, he continued the conversation turning it personal. He threatened to call my employer and even started to look me up as he stated " let me look at XXXX to see where you work so I can anonymously call them and tell them who you really are ''. I feel threated and my rights are violated. I want that call to be heard ASAP as he said this call was being monitored and recorded. He can not call my work or try to get me fired after I told him to simply put it on my credit. This behavior and his attempt to make me upset was unprofessional. He obviously made me very upset and now I am concerned what his intentions are.
Product: Payday loan, title loan, or personal loan

I placed an order with XXXX XXXX XXXX in XX/XX/XXXX for plantation shutters that were supposed to deliver and install on XX/XX/XXXX. XXXX XXXX installer came in XX/XX/XXXX to install the shutters half way through the installation I noticed they were they wrong color and they were damaged so I stopped the install. As of today XX/XX/XXXX, I have requested XXXX XXXX XXXX to pick up their shutters as I no longer want to do business with them as no one has returned my calls in a over a week and it is now XXXX and my issue has not been resolved. I filed a dispute with Greensky regarding payment and not receiving the correct product which was damaged and not installed. Greensky said that they are closing my case as they had an email from XXXX XXXX XXXX stating that they would make good on my purchase which has not happened. As of today XX/XX/XXXX, XXXX XXXX XXXX has not returned my calls or emails in over a week. I told Greensky I would reopen my case as XXXX XXXX XXXX has not responded to me. I was told " NO I am not '' When speaking with Greensky they were rude and did not care that I had not received my product and are holding me accountable for this loan. I had never spoken to Greensky about my loan until I filed a complaint. They never confirmed anything with me. I feel this company is strong arming me into paying them for product they know I have not received.
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 federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX accounts have reported inquires that are not mine. 

Equifax XXXX XX/XX/XXXX XXXX has violated my rights. 
XXXX XX/XX/XXXX XXXX NOT MINE! 
XXXX XX/XX/XXXX XXXX NOT MINE! 
Equifax XXXX XX/XX/XXXX XXXX NOT MINE! 
XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX NOT MINE! 
XXXX XX/XX/XXXX EQUIFAX NOT MINE! 
XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX NOT MINE! 

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

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is appearing on my credit, the loan was taken in XXXX. I live in XXXX, it is illegal to take a payday loan in XXXX. This information is incorrect and does not belong to me. The company refuses to take this off my credit
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX i noticed fraudulent accounts on my consumer report with Experian. I filed a dispute requesting the results of their findings. Within 30 days they notified me that that the charges were validated but failed to provide me these alleged findings. 

In XXXX of XXXX I filed another dispute and reminded them that they did not provide me their results in which they are required to. I also notified them they are required to validate the debt BEFORE furnishing it so it SHOULD be available to just give me. I received another response that the accounts are validated but again they did not provide me the evidence so that I could effectively file a police report. 

I filed a identity fraud report along with a police report along with additional required documentation and sent it to Experian. I submitted it and since then they have failed to comply with 15 U.S. Code 1681c-2 as it has been over 10 days with absolutely no action taken. 

I called them on XX/XX/XXXX and brought all of this to their attention and as soon as I professionally highlighted how they are not compliant I was hung up on. I called back while remaining professional and the same thing happened ( hung up on ). Later in the evening of XX/XX/XXXX I received multiple emails stating that they would investigate again and give me a decision 20 days later. 

Per my 2 disputes BEFORE the filing of the identity report and police report they claim to have already investigated this. This would make a 3rd investigation in which is NOT COMPLIANT WITH 15 U.S. Code 1681C-2. They are not abiding by the law. These fraudulent accounts were supposed to be removed within 4 days of receiving all of the required fraud documentation. It is now approaching 2 weeks. The unauthorized furnishing of this information is affecting my business/ livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2014 Balance : {$640.00} Please remove/block this account as they are fraudulent & were opened without my consent or knowledge
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report linked to 15 USC 1681c-2. The inquiries listed were not authorized by me, and I request their removal as they are impacting my credit.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX  XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified Letter sent to the Credit Bureau to remove the following items because of inaccurate and incomplete reporting of the following companies on XX/XX/XXXX. 
XXXX Funding $ XXXX XXXX  XXXX XXXX {$57000.00} on XX/XX/XXXX XXXX  XXXX XXXX {$220.00} on XX/XX/XXXX They have violated federal law by not properly investigating within the required timeframe, and failed to provide me with a copy of any viable evidence and continue to verify inaccurate items. They are noncompliant and have not deleted the items from my credit report.
Product: Debt collection

I have been repay my student loan for over three years in person and cash.. In XXXX, about an hour after I submitted my payment. I received an email regarding a missed payment that was made 4 months back.. I come into the office every month and yet no one said anything so I could show the appropriate documentation now it being months later.. I no longer kept the record and when asked them to view there video system they claimed they dont keep it for more then 90 days..
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my balance on my XXXX XXXX credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XX/XX/2016. I left the matter alone and was notified with my credit report later that the account had not been removed as promised. I 've disputed the claim with transunion and XXXX 4-5 times with each company. Each time the dispute comes back as 'verified as accurate '. This was not the agreement I had made when completing my payments and my credit reports need to reflect that accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 requeseting to update and correction of these suspicious accounts I found on my Credit Report. Upon reviewing a copy of my updated credit Report, the previously disputed accounts are still reporting erroneous information on my Credit File. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints, and I'm including them again. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$400.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$7200.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX  XXXX XXXX XXXX Balance {$3600.00} ; XXXX  XXXX XXXX XXXX Balance {$6400.00} ; XXXX XXXX XXXX XXXX Balance {$4600.00} ; XXXX  XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX XXXX XXXX Balance {$6100.00} ; XXXX XXXX XXXX XXXX Balance {$5700.00} ; XXXX  XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance {$2800.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$4200.00} ; XXXX  XXXX XXXX XXXX Balance {$2800.00} ; XXXX  XXXX XXXX XXXX Balance {$2300.00} ; XXXX  XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX XXXX Balance {$2800.00} ; XXXX XXXX XXXX XXXX Balance {$250.00} ; XXXX  XXXX XXXX XXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX Balance {$3200.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$4100.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00}
Product: Debt collection

I believe XXXX XXXX necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me XXXX
Product: Debt collection

A sales person for yellow pages called XXXX XXXX show up one day to my place to offer me a good deal on marketing for my busines wich is currently colsed, the original agreement was XXXX dollars per month i never sign any document i just accepted verbally, but the first bill that i received from them was for the amount of XXXX dollars plus XXXX, by then i totally disagree with that amount because we agreed XXXX and nothing else i did not have that amount to make that payment, I asked twice to XXXX when he came to my shop is there any hidden or extra charge and he told me not at all and that was the reason why I accept by then he never mentioned anything about that ridiculous amount always told me XXXX will be your first bill even when i received my first bill i contacted him and he contacted yp for an explanation, when i receive the call from collection from XXXX and from XXXX i told them i do n't want to do any advertising with your guys because this is not what we agreed so close my account and im more than welcome to pay for the 2 months that your guys had my listing online 2 months later they close my listing and that it, never heard from them anymore, ( I DID NOT SUBMIT ANY PAYMENT ) Now 2 YEARS LATER this company called ( Rauch Milliken International, inc ) XXXX XXXX XXXX, LA XXXX PHONE ( XXXX ) Just send me a letter claiming that i owe XXXX dollars wich is not true is totally incorrect and also they just threat me to seize my bank account, inventory, account receivable etc, without this case being taken to a small claim court or anything like that, also they just called me on Thursday XX/XX/2017 and same thing the girl on the phone threat me to take legal action against me or my company wich do n't exist anymore. Please advice.
Product: Credit card or prepaid card

For 11 months now, I have been trying to get Comenity Bank to remove a payment block on my bank account so that I can make online payments for three of my Comenity credit cards ( XXXX XXXX, XXXX XXXX and XXXX ). On XXXX XXXX, 2016, my online payment for my XXXX XXXX credit card was returned because of a state tax lien. It was listed as a No Fault returned payment and no fee was charged. The tax lien was resolved, and my bank account was quickly restored and is in good standing. However, Comenity Bank continues to have a block on my bank account, so that I am unable to make payments online for my XXXX XXXX, XXXX XXXX and my XXXX credit cards with Comenity, even though online payments were not returned for the XXXX XXXX or the XXXX account. I have tried to resolve the problem with Comenity for almost a year now, and have followed their customer service reps and supervisors ' advice to pay by check from the same bank account ( which was supposed to resolve the problem once their system cleared the check from the bank account ), to removing my online profile and re-entering it, to calling the Federal Reserve ( the most idiotic suggestion yet, but I did it ). It would n't be such a problem if it were n't for the fact that paying by check makes it difficult to gauge the timing of when the payment will hit my bank account, and Comenity charges a {$9.00} fee to pay by phone. For the past several months, I have been able to get the {$9.00} fee waived in making payments. However, I have had some late payment fees that I would not have incurred had I been able to pay using my bank account online. Moreover, Comenity has accepted my monthly payments by phone, using the debit card associated with the same bank account that is blocked online. There should not be a block on a valid bank account that Comenity continues to accept payments from by check and by debit card. The block on my bank account is punitive ( I have n't had this problem with other creditors that were affected by the tax lien ) ; I also believe it is an attempt by the credit card company to exact extra fees and a failure on their part to address flaws in their credit card payment system.