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

XXXX  XXXX account was supposed to be protected by The Cares Act section 4201. Experian, TransUnion, or Equifax did not investigate the inaccurate misleading information thoroughly when dispute was initiated. The XXXX XXXX account was charged off XX/XX/XXXX in the amount of {$1800.00}. As of XX/XX/XXXX XXXX XXXX is reporting multiple inaccuracies to the credit bueras. XXXX XXXX never mailed a 1099c to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer agree to deleted from my 3 report is still coming out should be deleted completed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent an investigation request to Equifax. They were supposed to respond with the results within 30 days, but they have not.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15 USC 1681. 

I told XXXX, XXXX, an Equifax to reinvestigate these accounts. 

XXXX XXXX XXXX  Account number XXXX XX/XX/XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This account has already been closed yet it is still showing up on my account. XXXX already updated this information as closed. I have pics I will send.
Product: Debt collection

To whom it may concern : I have three collection accounts on each of my credit bureaus from a collection agency named Commonwealth Financial Systems the accounts are as follows : XXXX, XXXX  and XXXX  : 1.  Commonwealth Financial Date Assigned : XX/XX/2017 2.Commonwealth Finacial Date Assigned : XX/XX/2017 3.Commonwealth Financial Date Assigned : XX/XX/2017 Please be advised that I am disputing these collections due the fact that ; Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX Does not currently have a valid license in Florida to collect on debts. This information is stating that their license is currently Revoked/Voided according to Florida Office of Financial Regulations XXXX XXXX XXXX XXXX XXXX, FL XXXX I am requesting that you investigate this matter and delete these accounts from all three of my major credit bureaus as per request to remove the above items from my credit report immediately or provide me with physical proof that Commonwealth Financial System are licensed to collect debts in Florida. 
Your immediate response will be greatly appreciated.
Product: Debt collection

A debt collection company called Nationwide Recovery Systems is attempting to collect a debt that I do not owe. The date it was opened is XX/XX/XXXX. It is a medical bill for {$1500.00}. I have been XXXX in the XXXX XXXX system since XX/XX/XXXX and was released in XX/XX/XXXX. I have called the company about this Issue and they put me on hold for long periods, they had an address on file that Ive never lived in, I have asked them to provide proof of what I supposedly owe, they want my bank account information and every time I ask to speak to a supervisor I get disconnected. I have also disputed this through XXXX and they report my debt as accurate. I do not owe this medical debt I have been in XXXX  since XXXX.
Product: Prepaid card

The gift card was purchased on XX/XX/2023 at a XXXX XXXX store in XXXX XXXX XXXXXXXX and was given to me on XX/XX/2023 ( I have the receipt of the card purchase ). I checked the balance the same day and it was XXXX. I called customer service and I was told that I should call back in 10 days, which I did and I was told that the balance was still XXXX and I have to file for a card dispute and i would get an answer in 45 to 90 days. I received an email on XX/XX/XXXX from the card company with a denial of returning the money on the card. 
I checked the transaction that was made using all {$500.00} and found out that the transaction was made 3 days after I had already complained that the balance was already XXXX. 
So, I got the card on XX/XX/XXXX, checked the balance on XX/XX/XXXX and found it XXXX, but someone used the card, to make a bet at XXXX XXXX, on XX/XX/XXXX. 
I think this is an inside job, trying to rob people of their money. 
How can the card be used on XX/XX/XXXX when it had XXXX money on the XXXX?! 
Please help me get my money back! 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX Account # XXXX Amount : {$24000.00} XXXX Account # XXXX : {$0.00} Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, duplicate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

They also did not update my personal information per the request made in XX/XX/XXXX that was sent via mail XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Ive called into all three credit bureaus to keep my credit locked and somehow the Fraudsters are still able to call them and get it unlocked. Experience notify me that my information is being linked on the dark web and by them, knowing that I would think they should go through the two security measures for anyone to get in my account I have multiple hard inquiries on my credit report due to the Fraudster bank accounts and credit cards even been opened I have been notifying the credit bureau to keep my account locked with the double security even in my PERSONAL STATEMENTS XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 


expect that all necessary steps will be taken to rectify this situation promptly.
Product: Credit reporting or other personal consumer reports

Well I went to my home country on XX/XX/ I came back XX/XX/2023 I got a lot mails and phone calls about paying my past due of credit cards from XXXX ( {$130000.00} ) and XXXX Credit Card ( {$38000.00} ) the debt collection kept calling me about Payement I flies a dispute on XXXX  XXXX which I got a case number XXXX account ending XXXX from XXXX  they sent me new card ending XXXX do I said to close it then with Comenity XXXX credit card I called to dispute to close the account which I never apply for those cards never receive XXXX credit card but the letter had account ending XXXX my whole points on those major credit bureaus drop drastically down that hurt me so bad then Im not paying the money Im not using I received 2 letters from XXXX about fraud alert not emails no phone call or text cause i was in XXXX vacation for almost 3 months cant call or text but I sent emails to those credits card companies but no response just sending bills emails me payement due missing payment
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items which are found to be opened due to identity theft. 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. 
XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXXXXXX XXXX  XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$220.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Date of request : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of request : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of request : XX/XX/XXXX ; If you feel there is a possibility these items 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 items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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: Debt collection

Several times I have submitted proof of bank statements that the account was paid with debit card. I continue to receive phone calls and when I log into my account it continues to show delinquent. I call QVC and we go through the same process again and again. This problem has been going on for several months already and it is affecting my credit score. They seem not to care.
Product: Debt collection

Gordon , Aylworth & Tami , P.C . 
bought old debt. Garnished bank account without notice. Took {$410.00} on XXXX17
Product: Debt or credit management

I'm being sued and an attempt to garnish my XXXX XXXX XXXXXXXX and XXXX  my transportation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are still reporting as late payments..Definitely not correct.. On time payments were sent to the creditors and should not be reported as such..Please CFPB step up and reverse the late payments on XXXX XXXX   XXXX
Product: Debt collection

on XXXX XXXX a collection was placed on my consumer credit file by the company : harvard collection for the amount of {$1100.00} i sent a debt validation letter as my rights under the fair debt collections practices act & fair credit reporting act the company listed in this complaint never responded and the results is this collection on my file..the company are well aware of the constitution and the laws thats why they never responded and violated my rights as the consumer ... the laws they violated are listed below15 U.S. Code 1692c - Communication in connection with debt collection I NEVER GAVE THIS DEBT COLLECTOR TO FURNISH THIS DEBT ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 these items which are found to be opened due to identity theft. The dispute items do not belong to me. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Name : XXXX XXXX XXXX Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fl XXXX XXXX DOB : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Bureau Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Recently, I did an investigation on my credit report and found several items in there to be inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC Code 1681i ( 5 ) Treatment o inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer. an item or the information is found to be inaccurate or incomplete or can not by verified, the consumer reporting agency shall- ) promptly delete that item of information from the file of the consumer. or modify that item of information, as appropriate, based on the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Personal Information : XXXX. XXXX XXXX XXXX - The personal information is incorrect -please remove this from my credit report immediately Accounts : XXXX. ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX This account is being reported inaccurately.
Product: Debt collection

This account was wrongly created by a store employee that did not followed the correct procedures. The phone was returned prior to 48 hrs and the offer was up to 72 hrs. I tried to fix this matter with the  company and they were not able to help me. I have never had a late payment in my credit history and they are telling me I owe them {$53.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/XXXX and into XX/XX/XXXX XXXX began billing me without notifying me or sending me any bills. They did not call me, they did not email me, they did not send physical mail. I found out about the billing due to a 200+ drop in my credit score.  I contacted XXXX through a conference call with XXXX XXXX XXXX. When I told the XXXX Representative what had happened he was unable to provide me with any other information other than " we contacted you through your inbox ''. Upon informing him that I have not received any emails from XXXX he repeated the same statement over and over until he mentioned they were notifying me through their own messaging account system on the XXXX website. I did not have an account active on the XXXX website at the time of the billing period, therefore I never received any notifications. If there was an account under my name active on XXXX 's server it was created without my authorization or my knowing. I rated XXXX on the XXXX website and they sent an unsolicited letter to my place of residence stating they were in the right and could not ethically reverse the negative reporting. I contacted XXXX on XX/XX/XXXX requesting an investigation, to which, they never replied. According to the Fair Credit Reporting Act XXXX can submit a revision to the Credit Bureau removing the negative reports from my credit report. I also know, under the FCRA, I can file for an investigation in dispute of XXXX 's error directly with the Credit Bureau with or without legal representation. The error being in violation of the Fair Credit Billing Act, XXXX did not properly contact me regarding my billing and therefore all submitted overdue debts were submitted in error. According to the FCRA XXXX is also obligated to resolve this matter and report back to me within 30 days. All of which XXXX has failed to do. Upon filling this complaint I tried to gather my billing statements and other information on my current XXXX web account, but all of the billing I did not know about have been removed by XXXX, but the delinquent credit report they submitted has not been removed from my credit report. They are clearly aware of the issue -or- have attempted to hide the problem preventing any possible reporting to the CFPB.
Product: Checking or savings account

Two frauds were done in my account first one was resolved the second one was filed and they want me to wait 72 hours for a response its friday that money was for me to pay my rent and they dont care they say they do but they dont have more resources to help me with being a big company they can not do more today XX/XX/2023 is the last day to pay rent landlord stated he will start evcition and will not stop it.
Product: Mortgage

I tried to refinance a loan from Annie Mac. For last 3 weeks the loan officer XXXX XXXX is not locking my rate and just delaying it. I have tried connecting multiple times but he is not responding.
Product: Credit card or prepaid card

I attempted to dispute a credit card billing charge with the company on XX/XX/2021. The company investigated the claim and required me to attach a receipt or any sales documentation. The dispute was about the charges of a subscription-based vendor. The only receipt given to me was upon the start of the subscription. 

The subscription had a promotional offer new customers " credits ''. Originally, the charge should have been {$7.00}, but the vendor charged me {$47.00}. After contacting the vendor 's representative, I disputed the charge with the company. The amount in dispute is {$39.00}. 

The company replied that I needed " A copy of a sales receipt ( s ) or any documentation you may have that shows you were charged the incorrect amount. '' I have no such documentation because the vendor did not provide any such document at the time of service. I also explained my case to a company representative, who also tried to re-open my claim. The claim was again denied due to a demand of an incorrect amount receipt. 

The company requires a receipt showing the incorrect amount. However, the receipt given by the vendor does not include any credit from promotional offers. The vendor can essentially bait people with promotional offers and avoid consequences from the company. The company would not investigate further without a receipt of an " incorrect amount ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called transunion as I had already pulled a credit report from XXXX and saw there was Inquiries on my credit multiple times that I did not recognize. I had reached out to these companies and they said that I am not on file anywhere to get ahold of the credit reporting agency that listed the inquires. I did so and spoke to XXXX XXXX  and he stated he could not help me. I asked for a supervisor and got a gentleman named XXXX and he stated he could not help me. So I am filing this complaint in hopes to get the inquires off that are not supposed to be there : XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX Thank you for your time.