23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was notified by my credit report monitoring service that the account had been posted on my report as collection

by I.C. Systems. I promptly contact I.C. Systems to try and understand what this collection was for and why it was on my report since I was not aware of any debt owed. The company has been unable to provide any information or offer a resolution. I spoke with a representative on XX/XX/XXXX, and was told that it would be best to dispute with the Credit Bureau. I took action and sent my dispute, spoke with the Bureau as well to provide as much information as I had.

The Bureau conducted their investigation and updated the record to reflect " Affected by natural or declared disaster ''. This is completely inaccurate and not at all what was reported. 

I contact the original company XXXX XXXX XXXX XXXX XXXX, and I.C. Systems again on XX/XX/XXXX, and was told that there was nothing they could do since I don't have the details about the account. Even if I tried calling to pay the debt, they would not accept my payment. 

At this point, I have no other recourse to resolve this issue besides disputing again with the Credit Bureau. I just want to resolve the issue and have it removed from my report. But this company would rather hold my credit report XXXX and not work with me to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX ; XXXX am writing you as an aggrieved man. I did not open an account with XXXX  XXXX, nor did I know of and or consent to anyone opening an account up with them in my name. I know nothing about this fraudulent account. My identity was stolen, and several fraudulent accounts opened in my name.
Product: Debt collection

I sent merchants and medical a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021. in regards to inaccurate accounts with XXXX XXXX XXXX  i have no business with this company and have no idea how they even have any of my personal jnformations. This account is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to head to court.
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 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( aka XXXX XXXX ) pulled my credit report 5 times. I talked them about the credit reports and the representative XXXX XXXX advised that they would send a letter to the credit bureau and have them removed, They sent me a letter to sign acknowledging they would take it off all three credit bureaus, Equifax, XXXX and XXXX. its been three months now and the inquires aren't removed. 

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

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. These inquiries listed below was not authorized by me. 
These lenders have accessed your credit file : XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 Per Section 611 of  the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully,
Product: Debt collection

XX/X/14 {$2100.00} was put in collection without my notice
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX XXXX XXXX account on XXXX XXXX XXXX XXXX XXXXXXXX on XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XXXX XXXXXXXX XXXX XXXX XXXX XXXX. on XXXX XXXXXXXX XXXX XXXXXXXX on XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  on XXXXXXXX XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXXXXXX that appears related to the aforementioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX/XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX/XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Product: Debt collection

SYNCB/CHEVRON DC Partial Acct # XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX reported to XXXX  Credit Bureau that I owed an unpaid credit card debt of {$1000.00}. This is not my credit card nor my debt. I told XXXX in a phone call this was not my debt or credit card. I was told XXXX  would check with Chevron. XXXX later told me in a dispute report that Chevron confirmed that I was the credit card owner and I was responsible. The same process happened with XXXX Credit Bureau. Both XXXX  and XXXX down-rated my credit. XXXX XXXX XXXXXXXX cancelled my credit card. XXXXXXXX XXXX  down-rated my availability of credit. XXXX XXXX XXXX, XXXX notified me they had bought my account on XX/XX/XXXX. Their address is XXXX XXXX XXXX, XXXX, VA XXXX. Their phone # is XXXX. They informed me that I could make an ID Theft Report in my own state, which I am doing. They also told me about filing a complaint with FTC.GOV which I am doing. XXXX XXXX XXXX. also informed me that the credit card was charged at a XXXX gas station/garage in XXXX, Alabama on XX/XX/XXXX, and that the credit card bills were sent to XXXX XXXX XXXX XXXX XXXX in XXXX, Alabama. XXXX XXXX also informed me that I could send them copies of my electrical bills ( from a year before XX/XX/XXXX to the present time ) to show my correct address. I have made these copies of more than two years of utilities and also filed a police report on XX/XX/XXXX by computer. I am waiting to speak to the police in person and get my official police report. When I get the police report, I will have to send all utility bill copies and a copy of the police report physically by mail to XXXX XXXX XXXX. as I don't know how to do this by computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XXXX of XXXX  I sent a letter to my local courthouse regarding the verification of a BK on my credit report as there is some information listed that is not correct. They sent me a letter back stating that the bankruptcy courts has no affiliation or communication with any credit bureaus. So I intern contacted Lexis Nexis and the 3 bureaus for verification of the BK information listed on my credit report. It is my understanding that in order for it to be placed on my credit report the information that I believe is not 100 % percent correct that as a consumer I have the right to request proper validation which means lexis Nexis, XXXX, XXXX  and XXXX  will need to perform a proper investigation. If the bankruptcy courts do not communicate with credit bureaus, I am unsure how a proper investigation of the information I am concerned about can be done. First letter to courthouse was sent XX/XX/2020 received response XX/XX/2020. Send their response to lexis nexis and the 3 bureaus after requesting an reinvestigation of the information listed. I received no response from anyone. I in return sent a no response letter end of XXXX to XXXX, XXXX  and XXXX. I called lexis nexis and they stated they never received my letter so the next day I sent it certified and it shows they received it. Till this day I have yet to receive ANYTHING at all.
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 information and accounts 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 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 XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received the email below, but I have never spoken with anyone. I unfortunately defaulted on the loan due to unforeseen circumstances, but have every intention of paying it back eventually. 

CREDITOR : Speedy Cash Group CASE NO : # XXXX AMOUNT OUTSTANDING : {$750.00} This Proceeding issued on you Docket No : - # XXXX with one of SPEEDY CASH LOAN. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of Speedy Cash Loan has decided to mark this case as a flat refusal and press legal charges against you. We have sent you this warning notification about legal proceedings on XX/XX/2019 but you failed to respond on time now its high time if you failed to respond in next 48 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 

In order to resolve this case outside of court you will have to submit payment of {$750.00} today. 

WHAT IF YOU WILL IGNORE We will simply filed the case against you for the three serious allegations, ( i ) Violation Of Federal Banking Regulation.

( ii ) Collateral Check Fraud.

( iii ) Theft By Deception & Money Laundering. 

You will be sue into the court house, where you have to pay {$4500.00}, which is including your bail charges, attorney charges, and court fees. Your employer will be contacted and they will be served with this legal notice. Your all bank accounts will be ceased. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. 

IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF THE COURTHOUSE CONTACT TO RESTITUTION DEPARTMENT AT : mailto : XXXX Sincerely, Settlement Department, speedy cash loan XXXX, TX.
Product: Consumer Loan

I RECENTLY CHECKED MY CREDIT AND NOTICED A MERCEDES BENZ FIN SVCS ACCT REPORTING A CHARGE OFF FOR XXXX ON A VEHICLE IVE NEVER OWNED OR LEASED, SO I IMMEDIATELY FILED A DISPUTE WITH THE CREDIT BUREAU WITH ALL SUPPORTING DOCS TO PROVE ITS NOT MY ACCT. UPON COMPLETION OF DISPUTE IT CAME BACK VERIFIED AS MY ACCT SO I CALLED EQUIFAX AND THEY STATED MBFS VERIFIED ITS MY ACCT SO I CALLED MBFS TO ASK HOW THIS ACCT WAS VERIFIED SO THE REP XXXX AT XXXX XXXX WAS VERY HELPFUL AND ASKED MY SSN # AND IMMEDIATELY TOLD ME ITS NOT MY ACCT AND SHE WOULD IMMEDIATELY WORK TO GET THIS MATTER REMOVED FROM MY CREDIT REPORT. SO THE NEXT DAY I CALLED TO FOLLOW UP AND SPOKE WITH XXXX XXXX WHO ALSO VERIFIED ITS NOT MY ACCT AND WOULD WORK TO HAVE THIS ISSUE RESOLVED A COUPLE HOURS LATER I RECEIVED ANOTHER PHONE CALL FRM XXXX XXXX STATING I NEEDED TO FILE A POLICE REPORT STATING MBFS ACCT XXXX WAS A IDENTITY THEFT CLAIM OR MBFS WOULD NOT REMOVE THIS ACCT OFF MY CREDIT WHICH IS BLATANTLY WRONG WHEN ITS NOT MY SSN # ATTACHED TO THE ACCT NOR MY PERSONAL CONTACT INFO SO WHY SHOULD I HAVE TO FILE A FRAUDULENT POLICE REPORT TO HELP YOU RESOLVE AN ISSUE THATS NOT MINE AND NOW THIS ACCT HAS BEEN REPORTING AS A REPOSSESSION ON MY CREDIT REPORT NOW OVER 30+ DAYS NOW AND WILL REMAIN THERE DURING AND INVESTIGATION PROCESS OF 30 MORE DAYS TOTALING 90 DAYS TO BE PENALIZED FOR AN ACCT THATS NOT MINE AND THIS MATTER HAS DROPPED MY SCORE DRASTICALLY AND I CANT REFINANCE MY HOME NOR BUY A NEW CAR OR APPLY FOR CREDIT OR EMPLOYMENT DUE TO THIS ERROR ON THEIR BEHALF WHICH IS UNACCEPTABLE. ITS BLATANTLY A FCRA VIOLATION THATS HENDERED ME TO THE FULLEST EXTENT AS A CONSUMER AGAIN IT UNFAIR. SO I HAVE NO CHOICE BUT THE SEEK COUNSEL AND FILE A LAWSUIT IN LOCAL OR FEDERAL COURT ON THIS MATTER AND SUE FOR DAMAGES AND PAIN AND SUFFERING DONE TO ME AS A CONSUMER ..
Product: Credit reporting or other personal consumer reports

I requested an investigation from all XXXX  credit agencies to investigate and validate that my informations is being reported properly and none of them confirmed the accounts.
Product: Debt collection

I was not paid XXXX credit by my insurance company, XXXX, as promised. 
XXXX was sent to my bank after my account closure so it had bounced back to XXXX. 

I refused to pay them their last bill of XXXX because they would not pay my credit due of XXXX. 

They ignored my requests to pay me my promised XXXX for more than 5 months & finally added a XXXX fee & referred my account to Credit Collection Services. 
I called XXXX XXXX XXXX XXXX XXXX XXXX & talked to them twice, once with a lady name XXXX XXXX and second time with a gentleman name XXXX XXXX, both have promised they will contact XXXX XXXX XXXX the XXXX XXXX XXXX fee, so I would owe only XXXX but none of them have done so. 

My file at XXXX is XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

on XX/XX/22 I entered into a XXXX XXXX XXXX with Synchrony Bank in efforts of securing a XXXX 's Credit Card. I completed the application and was instructed to call customer service. After being transferred several time, I finally received assistance from REP who then asked to verify my identity using XXXX. I attempted to complete the verification process while still on phone with rep but was denied due to light reflecting off of the back of driver license. My account was BLOCKED and unable to complete the process. I am livid as I was told by XXXX FRAUD DEPARTMENT there was no other way to verify identity. This technology glitch will result in denial of credit although I am " XXXX XXXX ''. Not to mention a HARD INQUIRY was placed on my consumer file although I did benefit from this transaction which is my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$2400.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$730.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$450.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$350.00} This is a formal complaint against all three credit bureaus, ( XXXX, Equifax, and XXXX ) located in XXXX XXXX XXXX XXXX, TX XXXX ( Equifax ), XXXX XXXX XXXX  XXXX, PA XXXX - XXXX  ( XXXX ), XXXX XXXX XXXX XXXX, GA XXXX ( Equifax ) . This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX, Equifax, and XXXX have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification on my credit dated XX/XX/22 the inquirer named CREDIT MANAGEMENT LP a collection agency on my credit, this is fraud. I have also contacted all three credit bureaus
Product: Credit card or prepaid card

I received an unexpected annual fee of {$59.00} ( card is and was advertised as no fee ; however, during the sign up process I was " upgraded '' to a card with a fee I later learned ). As soon as I saw the fee, I called to cancel it ( XX/XX/XXXX ). They offered to cancel my card but wouldn't waive the fee. They didn't even offer a pro-rated credit for all the remaining months! 

I didn't willingly sign up for an annual fee card from Alliant. It's even more disappointing I've been a customer for over 10 years with a very large balance. I emailed the CEO ( XX/XX/XXXX ) about the issue though it still hasn't been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt of {$620.00}. I have no business with XXXX XXXX. They are a third party collection agency that does n't appear to be licensed in the State of Nevada. I am requesting that this negative account be removed from my credit report with all three Collection Bureaus.