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

RECENTLY, I HAVE REVIEWED MY CONSUMER REPORT AND NOTICED THAT YOU ARE ALLEGING THE FOLLOWING ACCOUNTS BELOW ARE WITHOUT HAVING FURNISHED ANY SUBSTANTIAL PROOFS OR EVIDENCE OF YOUR CLAIM. ACCORDING TO FEDERAL LAW, IN ORDER FOR YOU TO REPORT THIS ACCOUNT YOU WOULD HAVE AHD TO VERIFY AND VALIDATE ALL ALLEGED DEBT. AS OF XX/XX/year>,, THE FOLLOWING ACCOUNTS HAVE NOT BEEN VALIDATED. AS A RESULT OF THIS THEY MUST IMMEDIATELY BE REMOVED FROM MY REPORT AS I DO CHALLENGE THEIR VALIDITY. PURSUANT 15 USC 1681B. 

1 ) XXXX XXXX XXXXXXXX CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

2 ) XXXX XXXX XXXX XXXX CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE.
Product: Credit card

we have learned the debt collector, XXXX XXXX, aka a criminal atty and unlicensed in the state of nevada never validated the debt since XXXX according to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXXhere is the timeline:XX/XX/XXXX they filed a complaint in court as per attachedXX/XX/XXXX they served someone named XXXX in a gardenXXXXXX/XX/XXXX they filed the affidavit of serving someone named XXXX in a gardenwho was not methe judge noted in the minutes and transcript this is not proper service and often clerks just file things as they are presented without looking at anythingXX/XX/XXXX they obtained a default judgment by filing an affidavit serving XXXX without proper servicewhen i was not in town from XX/XX/XXXX through XX/XX/XXXXon XX/XX/XXXX i telephoned XXXX XXXX office, i asked them what this is, what is this for what are the amounts and charges for date of last payment etc ... i was put on hold and switched around several times and then told no need to answer ... they 'll take care of iti mailed and faxed to XXXX disputed the amounts and requested validation on XX/XX/XXXXi never heard from them ever again until 4 1/2 years later when a phone call from a XXXX at XXXX telephoned 3 times and hung up ... on my voice mail without identifying himself as to why he was calling. i have it on my machine then a letter was received dated XX/XX/XXXX received by a receptionist XX/XX/XXXX at a company that i am not an employee of ... along with demands for payments in amt of XXXX along within the demand and threats that strangers are responsible for this debt and if they do n't comapy there is jail time it noted my entire social security number and my name ... which i understand is a breach of security and violation of nrs 239 statutes as well as a federal statute ... i have that statute written down that it violated. 
since then i have received mail addressed to my property in the name of XXXX towing companies that are being offered lines of credit. i have had to put a fraud alert on and so far several charges have been made that are not mine. 
i have learned the towing companies are out of XXXX and XXXX ... i looked up these companies that are using my property ... several consumers made XXXX videos stating their cars were being seized illegally by these same companies that are using my property and address. 
i wrote to the the atty general office they said they got my info from the chamber of commerce. i went to see the president of the chamber he said the towing companies are not participating in the chamber events and apologized. and their information is not in their system anymore.
Product: Credit reporting or other personal consumer reports

To whom it may concern on XXXX XXXX, I sent a certified letter to XXXX asking XXXX  to send me validation of debt owe to their bank in the amount of {$19000.00} and the wet ink signatures of me and XXXX XXXXo validate the debt owed. After careful review of the contract they sent me, I find not only any wet signatures binding the contract is that I have no contract with XXXX They sent me a application I filed out for a auto loan the application is not with XXXX nor has XXXX name on the application. I have no contract between myself and XXXX directly. I paid XXXX {$1000.00} From XX/XX/XXXX until XX/XX/XXXX. After reviewing the contract wXXXX name is not on the contract nor application they sent me. They could not provide me with a contract with them that I signed. So I do not owe them this debt and I would like this debt removed from my credit report and payments made to them refunded to me.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX i reported that I had some bank accounts, credit cards and different spelling of my name and lots of crazy addresses and phones number that was not mine, ( note that was in XXXX, On XX/XX/XXXX i once again ask for a copy of my credit report and THERE WAS THE SAME FALSE AND FRUADENT ACCOUNTS and addresses, phone numbers Still on my report, I have placed freezes on my account to stop thefts from stealing my info and using it Again, Well ONCE AGAIN I order my credit reports XX/XX/XXXX AND ONCE AGAIN THOSE SAME ADDRESSES AND PHONE NUMBERS a are still on each of my reports As of FCRA 605B ( 15 U.S.C.1681c-2 ) ( 15 U.S.C.1681 ) ( 15U.S.C.1692G ) apply to the negative actions that are now XXXX  {$6800.00}, XXXX XXXX XXXX {$1000.00} XXXX XXXX  {$5000.00} XXXX XXXX XXXX  {$580.00} XXXX {$7.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$580.00} XXXX XXXX Not Mine accounts nor are those credit cards
Product: Checking or savings account

Twice since XXXX, I have been defrauded as a Truist Banking Customer. My checking account has been completely wiped out since the merge or bank change. It was formerly BB & T/SunTrust. I never had these issues with BB & T.
Product: Debt collection

A " Credence Resource Management Group ''  out of XXXX, TX identifying themselves as collection representatives of XXXX XXXX XXXX have been calling me ( from telephone numbers XXXX and XXXX ) non-stop harassing me for a week on my cellphone without my permission since having had a fraudulent debt removed from my credit on XX/XX/XXXX for a second occasion per the three credit bureaus. On the first occasion this entity appeared on my credit there was a reflected dollar amount of {$740.00} erroneously showing outstanding where the amount was successfully disputed per me on XX/XX/XXXX and subsequently deleted per the three credit bureaus on XX/XX/XXXX. " XXXX XXXX XXXX XXXX '' then on sometime several months later fraudulently and illegally re-reported the same debt as a new account with a slight variant of the balance at {$720.00}. On XX/XX/XXXX this same debt was, again, removed from my credit per the three credit bureaus. This entity has been calling me non-stop on my cell phone without my permission illegally harassing me since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed disputes with credit company after very short time they claimed accounts were verified and remaining on credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  They claim they verified and remain these companies have not proved ownership of these accounts
Product: Credit card

In XX/XX/XXXX I found a charge on my credit card that could not have been mine ( to XXXX XXXX ) but there was a credit to go along with the charge a week or so later so I thought it was a billing error and dismissed it. On XXXX XXXX, 2016 I saw a charge for {$130.00} to XXXX XXXX in XXXX ( I live in XXXX and have not been to XXXX since XX/XX/XXXX ). I called the number to XXXX and the recording said if I had a billing issue to send an email with my personal information and last XXXX digits of my credit card number. I decided to call the credit card company ( Citibank ) and have them remove the charge from what seemed like a bogus company. They said I needed to submit a dispute online, so I did and they issued a conditional credit for the {$130.00}. Over the next day or so I started thinking about it and realized that someone had my card and the representative at Citi did n't shut my card off. I called back and asked if they were sending me a new card and they said they could if I wanted them to but they do n't do that without request. I explained that my card was used on the other side of the United States for chicken and waffles, since I did not make this purchase someone has my card number I want it cancelled. They seemed surprised by this but sent out another card. On XXXX XXXX I received a response from Citbank with a copy of chargeback evidence from XXXX saying that a XXXX XXXX with an address in XXXX and an email address of XXXXXXXXXXXX ( not even close to my email or address ) ordered this and paid with my credit card number ( no signature, no actual card ) and I am responsible for this charge. I am livid at the customer service from this credit card company. I had to call them to dispute it again, sign a form and mail it ( using my stamp ) but they still have the charge on my card. I received a response yesterday saying that they have sent my response to XXXX and they will get back to me by XX/XX/XXXX!! My bill is due in XX/XX/XXXX, I will not pay for a stolen credit card charge when I alerted them the day of the charge. This is a platinum card that is supposed to have protection on it but it has n't protected me at all. I want the {$130.00} taken off of my card without me having to jump through hoops. This is the most ridiculous thing I have ever heard of and I will not pay this nor will I pay for any interest charges that occur due to this bogus charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

XXXX XXXXXXXX XXXX ( XXXX ) claims I did not make my XX/XX/2018 payment and is reporting it late on my credit report. There was a XXXX dollar balance on that account and there was no payment due. So no payment was made for the XXXX because no payment was due. XXXX has blocked my online access to this billing statement and I can not get access. 
I requested online through the XXXX website XX/XX/2018 for a copy of this statement. Today XX/XX/2018 I called XXXX and made a verbal request for a copy of that statement. 
XX/XX/2018 billing statement for the period XX/XX/2018-XX/XX/2018 had a current due amount of {$31.00}. Plus a {$36.00} late charge for XX/XX/2018 which had a XXXX balance. I made a {$50.00} payment to XXXX on XX/XX/2018. XXXX has reported that my XXXX payment is delinquent to the credit all 3 credit agencies. 
Additionally I have made a {$200.00} payment to this account on XX/XX/2018. 
XXXX is reporting two months of delinquent credit card payments which is incorrect. If they would provide me with a copy of the XX/XX/2018 statement it would prove that they are in error but as of now XXXX has blocked my attempt to access this information. 
I am attaching a screen shot of my account statements showing the XX/XX/2018 is not available online for my access.
Product: Debt collection

I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against BERLIN WHEELER KS ACCT XXXX XXXX I reject your offer to contract I did not consent to any NONAFFILIATED THIRD PARTY BERLIN WHEELER KS ACCT # XXXX to be in possession of my Nonpublic Person Information. THIS IS A VIOLATION OF THE GRAMM-LEECH-BLILEY ACT FAIR TRADE COMMISION ( FTC ) CONSIDERS PRIVACY VERY CRITICAL. I never gave any permission ( TO BERLIN WHEELER KS ) use any of my identifying information to commit mail fraud by contacting me about this ALLEDGED DEBT. This is notice to CEASE AND DESIST all illegal activity and communications and furnishing false credit information on my consumer reports which is considered communication and illegal activity. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. After you sent a letter to addresses where I DO NOT STAY STATING that XXXX XXXX XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO YOUR DEBT COLLECTION COMPANY. I now have reason to believe that you are ALL conspiring against me trying to collect on a EXTENSION OF CREDIT through unlawful extortionate means. There is NO TRILATERAL CONTRACT BETWEEN US ( BERLIN WHEELER KS ) THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY ( BERLIN WHEELER KS ). THE FAIR DEBT COLLECTION PRATICES ACT ( F.D.C.P.A. ) AND THE FAIR TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME. YOU ARE IN VIOLATION OF THE FAIR TRADE COMMISION ACT WHICH STATES " Section 5 of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. AND BY BERLIN WHEELER KS FURNISHING FALSE ALLEDGED DEBT ON MY CONSUMER REPORTS I WAS DENIED EXTENSION OF CREDIT FOR HAVING A COLLECTION ACCOUNT ON MY CONSUMER REPORT WHICH IS MY FEDERAL RIGHT NOW DUE TO YOUR FALSE CLAIM YOU ARE PROHIBITTING ME FROM OPERATING IN COMMERCE WHICH NOW PUTS YOU IN VIOLATION OF THE FAIR TRADE COMMISION ACT ( F.T.C ACT ). I AM PREPARED TO SEEK JUSTICE, AND DEMAND, ALL MY FEDERAL RIGHTS BE PROTECTED, AND RESPECTED, AND ENFORCED. AND UNDER THE FAIR DEBT COLLECTIONS PRATICES ACT ( FDCPA ) YOU ARE IN VIOLATION OF15 U.S.C. 1692d A debt collector in collecting a debt, XXXX not harass, oppress, or abuse any person. For example, a debt collector XXXX not : Use or threaten to use violence or other criminal means to harm the physical person, REPUTATION, or property of any person. BY FURNISHING THIS ALLEDGED DEBT ON MY CONSUMER REPORTs YOU ARE HURTING MY REPUTATION AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH BERLIN WHEELER KS NOR DESIRE TO. IMMEDIATELY DELETE THE FALSE ALLEDGED DEBT ON MY CONSUMER REPORTS. AND UNDER 15 USC 1692K I AM TO BE AWARDED {$1000.00} PER VIOLATION FINDINGS I DEMAND MY DUE DAMAGES BASED ON 15 USC 1692K BE MAILED TO ME AND DELETE ALL ALLEDGED DEBT FROM OFF MY CONSUMER REPORTs IMMIEDATELY FEDERAL CONSUMER RIGHTS SUPERCEDES AN ALLEDGED DEBT OF {$230.00}.
Product: Vehicle loan or lease

My car was repossessed and then I paid the amount past due, next payment due and all fees totaling {$2100.00}. Bringing my acct completely current on XX/XX/XXXX. This included my XX/XX/2019 payment. 

Then 2 days ago I got a call saying my acct was past due for XXXX and XXXX. I had this investigated and the result was the system is applying payments incorrectly and they don't know why. It can not be fixed so they offered me a deferment of the 2 payments. I took this deferment so my credit isnt adversely affected any further. However, i paid XXXX payment already. Now I'm expected to pay it again at the end if the loan at 18 % interest. 

Their computer system is wrong and they are aware and not correcting this. 

How many other people has this happened to and how much money ate they making on interest by applying payments wrong. 

This is a major violation of the consumer rights! Please look into this!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I checked my XXXX  XXXX  XXXX  and saw a hard inquiry initiated by XXXX XXXX. 

I immediately called the bank along with the credit bureaus to dispute the inquiries. The bureaus acknowledged seeing the hard inquiry done on that date above. 

I also added fraudulent alert to all my bureaus for extra protection. Despite my effort, nothing was done on any of these companies ; XXXX and all the 3 credit bureaus I would like you guys to speak on behalf of me to resolve this issue with all the credit bureaus, XXXX, XXXX, and Experian. 

Thank you in advance!
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Fraudulent Account Information due to Identity Theft I am writing to formally notify you that I am a victim of aggravated identity theft, and to request the immediate removal of inaccurate information from my credit file, the account associated with Court Case # XXXX XXXX XXXX XXXX XXXX XXXX does not belong to me, and the information being reported is false. 

The reported account refers to an address at XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, which I have never resided at nor have any association with. This discrepancy stems from the XXXX data breach and is directly related to fraudulent activity, which has resulted in the creation of this false account under my name. I have never had any business or personal ties to the aforementioned property, and I believe that this issue arose due to identity theft facilitated by the breach of sensitive information. 


The inaccurate reporting of this account is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and should be addressed immediately. Specifically, I request the removal of all information related to this case and the listed property, as it does not pertain to my identity. 

As per XXXX USC XXXX, aggravated identity theft is a crime, and under XXXX U.S. Code XXXX, you are required to block any information that results from identity theft, including public records, from being reported on my file. Since this account is the result of fraud, I urge you to comply with the statutory timeline to block this information from my XXXX housing report, as it is inaccurate and does not belong to me. 

Please take immediate action to investigate and block the reporting of this fraudulent information within XXXX business days, as mandated by federal law. 

I have attached the necessary supporting documents, including a copy of my identity theft report and any relevant evidence, to facilitate your prompt investigation. Please notify me once the removal of this inaccurate information has been completed or if further information is required.
Product: Credit reporting or other personal consumer reports

noticed several unauthorized inquiries on my credit report that I would like removed Inform them that according to the FCRA these unverified and unauthorized items must be removed. ''
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX {$490.00} was added to my cash app account, then withdrawn. I called customer service for XXXX..I was then instructed to download cash app in case there were any charges for services. I gave this person my account numbers. On XX/XX/XXXX went to my bank to report the transaction. They contacted cash app. On XX/XX/XXXX I was assured they refunded me my money. I never received it. It was sent to an account that was not mine. Been battling this issue since then to no avail. They say they sent refund..they are not listening to me when I tell them it was not sent to me.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I went to a consultation at the XXXX XXXX XXXX XXXX XXXX  I paid {$50.00} for the consult, the {$50.00} would be applied to any service. I applied for credit with Cherry Technologies and was granted XXXX. The treatments at the spa totalled {$3400.00}. I made an appt. for XX/XX/year>. I cancelled the appt the next day. I was told no refunds and charged the entire amt. I DID NOT SIGN ANY CONTRACTS WITH XXXX XXXXXXXX XXXX I only applied for the credit. I repeatedly requested a copy of my contract, which I never received. Since I have {$3400.00} on the books, I decided to make an appointment. I was notified that my appt request was cancelled unless I withdrew my complaints to the XXXX XXXX XXXX  and Consumer Affairs. I refused, I meant every word of my complaint. I requested a refund, which was also denied. I emailed the owner/manager XXXX XXXX XXXX I have repeatedly emailed, text and called XXXX XXXX for months without a response. Last response XX/XX/scrub>XXXX
Product: Debt collection

I was charged for an apartment under my grandma and I 's name, she lived in California and cosigned for me and I lived in the apartment, so she wasn't there, we were just cosigners on it at XXXX XXXX XXXX XXXX  in XXXX, Texas XXXX. They posted a bill on the account under both of our names after I moved out due {$500.00}. My grandmother paid it in full, and then they sent me the bill of it afterwards. They charged both of us {$500.00}. They received the first {$500.00} payment from one person ( my grandmother ) and sent me a bill for {$500.00} as well, attempting to collect a total of over {$1000.00} dollars. After my grandmother payment, ( which she had to send in twice to the apartment complex, in which time she had them send it back once and cancel it once which I have email documentation between her and a worker there about it dated XXXX of her check stub payment and full with one XXXX XXXX at XXXX XXXX XXXX ), the account balance should have been zeroed. But I still received a bill. I have email correspondence proving she paid the amount in full, but yet I am still receiving mail in both my grandmother and my names separately from RentDebt Automated Collections  XXXX XXXX XXXX, XXXX, Tennessee XXXX that were sent over from XXXX XXXX XXXX for {$500.00} for both my grandmother and I to my current address. They have posted it on my credit and it went down 47 points. I received another collection today XX/XX/2020 telling me to " settle it '' by now paying {$370.00}.
Product: Checking or savings account

A Key Bank employee opened accounts and a prepaid card in my name. I was notified by mail on XX/XX/2021, that an account and card existed under my name. It notified me that there were recurring payments on the card in question. I want the accounts and cards at their bank closed immediately as they are the result of fraud at their bank. I would prefer someone contact me to confirm they were closed.