23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Identity Theft and Unauthorized Collections on Credit Report Dear [ Collection Agency Name ], I hope this letter finds you well. I am writing to bring your attention to five collections that have appeared on my credit report, which are a result of identity theft. This unfortunate incident occurred on XX/XX/XXXX, when my car was stolen along with personal identification documents. 

I would like to clarify that I did not initiate or authorize any of the transactions associated with these collections. As the victim of identity theft, I have taken the necessary steps to report the incident to the relevant authorities, including filing a police report and notifying the Federal Trade Commission ( FTC ). 

Enclosed with this letter are copies of the police report and FTC complaint, providing evidence of the identity theft and unauthorized transactions. I kindly request that you review the information and take appropriate action to rectify this matter promptly. 

I understand that your role as a collection agency is to recover debts owed to your client. However, in this case, I am not responsible for the debts in question, as they were incurred fraudulently without my consent. I request that you remove these collections from my credit report immediately, as they are negatively impacting my financial standing. 

I have also taken additional steps to protect my identity and prevent further fraudulent activities. These actions include placing a fraud alert on my credit file, notifying my financial institutions, and monitoring my credit reports regularly. I encourage you to cooperate fully in this matter and help resolve the situation as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Case # XXXX This complaint is in response to the lack of a response by Citibank in their answer to my prior CFPB complaint against them, dated XX/XX/2022. Although i am addressing the credit reporting agencies in a separate complaint, I shouldnt have to do that as the only recourse, as Citibank suggests in their response. They are furnishers of information, it is on them to know what data they are furnishing and if they are not certain as to the accuracy of the data they furnish, they are in violation of the law, in particular the FCRA and should cease furnishing such information. 

Citibank claims to have forwarded this alleged account to another company and that they were to notify me of the alleged delinquency. This was reported on my credit without any such notification. Reporting derogatory data is a form of collection activity, yet no notice was made of such activity. Citibank claims the amount owed was {$730.00}, yet they are reporting it as {$770.00}, which it was alleged to be in the hands of this third party company, and yet also the highest balance is listed as {$600.00}. Aside from the aspect that a third-party is allowing charges and interest on the alleged account, it seems there is much confusion on Citibanks part how the amounts listed were arrived at. Also, as Citibank asserts in their response that they forwarded the alleged account to a third party, and encourages me in their response to my complaint, to contact that third party for information related to the alleged account, there is no such account showing on my credit reports. The Citibank listing on my credit reports still shows a balance, indicating Citibank shows that they believe THEY are owed this money, not this third party. If this third party has the account, how are they allowed to charge interest and other fees on it, as Citibank alleges in their prior response? Who is the Holder in Due Course here? 
Again, Citibank continues to insist that the alleged account was closed at customers REQUEST, which is simply not true and is false and misleading. There is no evidence of my having requested to close any such account. 
The furnishers of data here, ( Citibank ), again show no clarity or ability to explain how the data is furnished among the three credit reporting agencies. The FCRA makes it clear that that information must be accurate and complete and Citibank, in their response, has not addressed not only the inconsistencies in the data reporting but the gaps. The alleged account here should be deleted.
Product: Mortgage

Citizens sent out an email that they were going to pay an insurance company {$1400.00} for hazard insurance on XXXX/XXXX/2021. I called them on XX/XX/2021 to advise that another company had been set up and that it would be prepaid without need for escrow. I sent a paid receipt from my XXXX XXXX with evidence of insurance on XXXX/XXXX/2021. I received notice from Citizens that they paid the {$1400.00} and the {$760.00} to the other insurance and deducted it from my escrow. 
Further research with both insurance companies found that Citizens never sent checks to either one and/or placed stop payment on them. After three calls to them over the last 6 weeks, they have still not corrected the escrow account. Average wait time to speak to them is over 45 minutes per call. 
Please advise if additional information is needed.
Product: Debt collection

On XX/XX/2021, I wrote to TransUnion requesting an investigation into items that i believed to be inaccurate. To date I have not received a reply from TransUnion or any acknowledgement that an Investigation has started. I've attached my proof. 

I requested an investigation for XXXX : Account Number XXXX I requested an investigation for XXXX : Account number XXXX TransUnion did not comply with their policies to complete and investigate items within a 30day period.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Bankruptcy Account Number : XXXX
Product: Debt collection

Atlantic Recovery Systems was told to cease and assist before and they continued to call and now threaten me with XXXX County ... they were not to call and have violated the law to cease contact ... I want them reported they wont even say what the debt is about nor have i received any information they just keep calling taking breaks then calling again over and over ... I looked them up and they have similar complaints and class action lawsuits for abusive practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed on tv service. I have never applied for tv service. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$860.00} XXXX  XXXX {$260.00} XXXX XXXX {$5500.00} XXXX {$210.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$450.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$50.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

CAPITAL ONE Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a XXXX XXXX XXXX XXXX account reported on my credit file with the bureau of TransUnion which I've disputed several times as part of my rights according to the FCRA XXXX along with an address thats not associated with myself ; reported XX/XX/XXXX which they refuse to comply and remove. The 'XXXX  XXXX XXXX XXXX account they mention is verified as accurate which I also disputed again on XX/XX/XXXX, which it's now more than 30 days. They have not removed neither the account nor address, and hadn't hear a reply back from them regarding this unverified account to be deleted as mentioned not mine.
Product: Debt collection

Date company sent letter X/XX/17 Company name is DIVERSIFED CONSULTANTS MAILING ADDRESS IS XXXX  XXXX XXXX FL XXXX Letter address from. XXXX  XXXX XXXX MI XXXX Stating I owe XXXX Address is wrong I never had an account with said company XXXX or XXXX XXXX XXXX They have a phone number that goes in circles and cant speak to anyone about issue to resolve this is fraud phone is XXXX Not my account and they wont remobe off credit
Product: Credit reporting or other personal consumer reports

I am the person making this complaint & I give CFPB authority to investigate this claim. I am writing concerning the following account : XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX  XXXX. I am disputing the account type. It's inaccurate. Please delete it. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I don't have any idea about this INQUIRIES. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

FCRA VIOLATIONS ; NOT MY INFORMATION PLEASE REMOVE INCORRECT ACCOUNTS XXXX XXXX XXXX Original creditor : XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$100.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Status updated XX/XX/XXXX Contact info Name LVNV FUNDING LLC Address XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX XXXX XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Status Account charged off. {$6800.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$6800.00} Highest balance {$6800.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX XXXX XXXX  Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Contact info Address XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX number XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The amount of loans supercedes that in which I actually received. 
XXXX XXXX XXXX. 
The final

aid administrator fraudulently taken Ioans out using my personal information. I'm requesting all student loan debt be forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is reporting what appears to be a medical debt on my credit report which I have NO knowledge of. I am fully insured with medical insurance which pays 100 % of all of my medical needs. This listing gives a date opened of XX/XX/2018. Again, I am NOT aware of this debt as being mine and I have disputed it with XXXX  but just got the dispute results back saying it has been updated. The original creditor was XXXX XXXX. I do NOT recall having any medical service done that would generate a bill such as this. Otherwise, according to a new credit reporting law, a listing such as this one is NOT supposed to be added to a credit report until AFTER 180 days giving the insurance company time to pay this. XXXX will NOT remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. 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. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1100.00}, XXXX XXXX Date XXXX : XX/XX/2019 Balance : {$4000.00}, XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

In XXXX and XXXX of 2019 Wells Fargo Bank allowed fraudulent transactions and charges to all of my accounts without interruption repeatedly without alerting me or flagging the accounts. My apartment was flooded and looted and I had to go to New Jersey from Washington DC. I submitted DC police report XXXX. All cards and I D was in apartment at XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX. Wells Fargo Bank keep saying I should have been aware of the fraud. I disagree and DC police report XXXX shows the fraud. I would have been aware of Wells Fargo Bank had alerted me of the repeatedly fraudulent transactions and charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationwide ceased collection on the account for XXXX XXXX but it still remains on my XXXX credit report. The amount is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a credit building loan. I had a XXXX credit score never missed a payment. Yet this company dropped my credit score XXXX points and declining. They agree I haven't missed a payment. They say they can't fix credit.
Product: Credit card or prepaid card

I paid XXXX XXXX XXXX a {$1000.00} deposit in XX/XX/XXXX for an out of state move to occur on XX/XX/XXXX. After several weeks of no response or correspondence, I finally spoke with XXXX on XX/XX/XXXX, when I was advised that their mover wasnt able to complete my move '' and my scheduled OUT OF STATE move of XX/XX/XXXX was being changed to XX/XX/XXXX! Note, I initiated this call & this moving date was changed without my consent any or any notice and or communication. In addition to my out of state move having been changed, XXXX also advised me that my furniture would arrive up to two weeks post the new move date of XX/XX/XXXX?! XXXX told me that they were not able to refund my deposit as my move was cancelled after their XXXX window of having booked my move. 

XXXX not sure where the disconnect is, but I am the victim here as I paid a {$1000.00} deposit for a move that didnt occur due to no error of my own. If I'd cancelled my move, I'd gladly accept my refund not being refunded, however XXXX rescheduled my move without any notice of consent & I shouldn't be penalized due to their shotty service. 

I have previously provided ALLY/OLLO with all of the applicable supports in addition to waiting an extensive wait time to speak to a rep, only to be transferred & placed back on hold and or disconnected. 

After questioning my denial with your rep XXXX on XX/XX/XXXX, her response was theres a lot going on in the world, I guess to say this claim was irrelevant and or was not important. XXXX then requested I send in a second letter requesting my claim be reopened, of which I did. 

On XX/XX/XXXX, I receive a voicemail from Ally requesting a callback. Today, XX/XX/XXXX, I just called Ally back & spoke to a CSR, who transferred me to the Dispute department, who then transferred me to a supervisor, named XXXX. XXXX apologized profusely for the handling of my claim & requested I fax a THIRD letter in requesting my claim be reopened?! XXXX also indicated that she was forwarding my claim to " Management '' and to expect a call within XXXX as I needed to speak to " Management directly '' as she had no authority?! So to clarify my next steps, I confirmed with XXXX, that I was to anticipate a call from " management '' from an unknown phone number, and If they by chance receive my voicemail again, I would need to return the call to their customer service dept. @ XXXX, who will then transfer me to the dispute department, who will them transfer me to a supervisor, who in turn will transfer me to a " member of Management ( if one is available ) '' and she replied yes!!!!!!!!!!!!!!!!!!! 

Aside from my formal complaint regarding my refund, the service provided by Ally is atrocious & should not be tolerated. Please note, that due to the mishandling of my claim, I have since closed my credit card account!
Product: Credit reporting or other personal consumer reports

I am filing this CFPB complaint to request pursuant to FCRA and XXXX XXXX U.S.C and XXXX, that all credit report agencies, block information showing on my consumer credit report that show identity theft and fraud within 4 business days of receiving this complaint. I am filing the FTC identity theft report to a fraudulent account, appearing on my consumer file credit report. I do not recognize this account, which results in identity theft and fraud. This fraudulent account was open between the years of XXXX through XXXX on the day of XX/XX/XXXX. This account has resulted in a fraudulent inquiry appearing on my consumer FICO credible report. I demand the aforementioned fraudulent account to be removed from each other one of my consumer credit report and all activities that was being said to item cease pursuant to my rights with the FCRA and FDCPA law. The aforementioned account that was listed is a result of identity theft and fraud. I have also attached a copy of my FTC Identity Theft Criminal Complaint number XXXX as proof to show this account result in identity theft or fraud.
Product: Credit card

I preciously filed a complaint and was contacted my BoA complaints dept agent XXXX XXXX. During that complaint, on of my two payments was return unpaid, when I asked XXXX which one that was and why, she told me it was regarding my second payment. I asked her if she was sure since I hadnt had any issues with that payment since one month has passed. She said she was sure and that I needed to file a claim with my bank ( XXXX ). So I did as XXXX told me to do. Consequently, a second return unpaid showed up on my account and I was charged interest XXXX days later because of that claim that XXXX XXXX told me to file. I called BoA to try and fix this myself. After 1 hour on the phone with an agent, nothing was done. They could not listen to my conversation with XXXX, though it is recorded per her telling me that twice during each call I had with her.