23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The original company never explained what this debt was for. I dispute the validity of this debt. I was never provided invoices or other information as to what this debt was about.
Product: Money transfer, virtual currency, or money service

My name is XXXX, XXXX remitted money to XXXX through Sigue Corp on XX/XX/year>, order number : XXXX, amount {$2500.00}. I have never received it in XXXX! I asked SIGUE CORP for a refund through different methods, and now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>, and SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Product: Payday loan

I received a settlement letter from Ad Astra Recovery Services for a payday loan through XXXX XXXX stating that they were willing to settle with me on a past due balance. I contacted them and they agreed upon the settlement. I asked during the settlement process if the items could be removed from my credit report. The representative stated that it is n't something that they normally do, but she would check with her supervisor. She came back to the line and stated that her supervisor agreed to remove the account from my credit and o should see an update within 30 days. This happened in XXXX 2015 fast forward to today and the item still is n't removed from my credit reports. I called in today and spoke to XXXX who said that she did n't see the notes where the account would be removed, I asked if the calls were recorded and she said yes. I asked her to listen to the call. She put me on hold, and said she needed to speak to her supervisor. She then came back to the line and said her supervisor looked at the notes on the account and said she did n't see any notes supporting what I was telling her. I then asked well I thought you were putting me on hold to listen to the actual conversation because that would supersede whatever the rep documented if she told me one thing and then documented another. She came back to the line and said she was transferring me to the supervisor. I was instead sent to voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a unauthorized use of ID information I am in the process of filing another Police report. My bank account and credit profile have been comprised.The information is not information relating to any transaction by myself, I am attaching a copy of my ID and SS to confirm My Identity to the credit bureaus. It was an unauthorized XXXX XXXX  account. I have never done business with any of these companies I don't know who they are : XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am requesting a FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency
Product: Mortgage

Hello, I am a Wells Fargo customer since XXXX. I keep a Mortgage and a checking Account with them. I signed a Mortgage with Wells Fargo end of XXXX beginning of XXXX. This loan was rated at Four percent and the monthly fee was no more than {$350.00}. It was a Thirty year loan, but then I was offered to cut the Thirty year loan to XXXX years if I doubled the monthly payment which I did. The monthly payment came to about {$630.00}. I was doing good on my payments until I lost my job with XXXX. And this is the second time I am fighting a foreclosure. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i did a pre approval with XXXX XXXX in XX/XX/year> and the representative kept running my credit without consent thru the end of XXXX. i have a freeze on my credit so he kept running it to get an approval without my consent. he was later fired from the company as stated by XXXX XXXX when contacted about the inquiries.
Product: Credit reporting

Both my husband and I have tried to order our credit report from the https : //www.annualcreditreport.com/XXXX website. Both attempts ended in an error or the report not being available. My request was for XXXX and my husbands was for Transunion. Please correct this problem so we can get copies of our reports.
Product: Payday loan

The store allowed an extend payment plan on a payday advance that was paid for in full by ACH check on XXXX XXXX, 2015 and fail to refund cash payment. 

I obtained a loan of {$500.00} from The Check Cashing Store and agreed to payback {$550.00} on XXXX XXXX, 2015. I was not able to pay the full amount on my due date. 

The representative allowed me to make a partial payment of {$300.00} in cash in order to extend the remaining balance of {$250.00} for my next pay period. 

The Check Cashing Store ran my check which cleared on XXXX XXXX, 2015 in the amount of {$550.00}. 

I contacted the store and was advised they had no record of my cash payment and that my receipt was not valid because it was tendered as a Money Order. 

The rep claimed she could not do anything but have the manager XXXX look at the surveillance cameras to prove I paid cash. 

The Check Cashing Store or the manager has made NO EFFORTS to contact me with results of the surveillance camera or my REFUND of {$300.00}.
Product: Debt collection

In XX/XX/2022 someone opened up an account with Citizens in my name to purchase some gaming consoles. The information used was at an address I had not lived at for 15+ years, but the people who opened the account XXXX used my email address and i got notification that it had been applied for. I called Citizens immediately, before any purchase had gone through and told them to cancel everything, it isnt mine. they told me everything would be canceled and any impacts to my credit would be updated.. Citizens continue to try and collect, they refuse to return my calls to the fraud department and keep sending me collections emails. This is not my account, I tried to stop it and they still opened it without my permission and allowed charges to be made even though they knew at the applications origination that it wasnt mine and were told to stop everything. Stope trying to collect on something that doesnt belong to me and remove this from my credit! This is not my account, I did not authorize or benefit or receive anything from it and it needs to be gone!
Product: Credit card or prepaid card

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX XXXX XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017 2017
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024, as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity Theft! l Please delete these items IMMEDIATELY! 


These accounts should not be fumished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 1 NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT, IS IDENTITY THEFT. As a consumer, I am demanding the deletion of accounts listed IMMEDIATELY!

I have attached my Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank has continued to post bad information on my credit report. None of my reports say the same thing. The more information I provide the worst the reporting gets. 

I have attached proof that I have been paying my account. 

I will be contacting a lawyer and the AG of Texas about this. This false reporting is causing me hardship. 

1. ( XXXX  ) CITICARDS CBNA Last reported XX/XX/2020 {$120.00} Reported balance PAYMENT HISTORY You've made 70 % of payments on time All 2020 payments are reported as LATE. 
Minimum monthly payment {$25.00} 2. ( XXXX  ) CITICARDS CBNA Last reported XX/XX/2020 {$99.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Minimum monthly payment {$25.00} 3. ( XXXX  ) CITICARDS CBNA Last reported XX/XX/2020 {$120.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Monthly payment {$25.00}
Product: Credit card or prepaid card

I have an account with Capital one been with then for a couple years now, XXXX XXXX.I had fraudulent happen on my account someone paid my credit card out in order for them to withdraw the money out but when I check my account I told Capital one this is fraudulent transaction on my account so the bank of XXXX XXXXXXXX XXXX where the fraudulent happen was sent back to the bank I'm in an another state and I don't understand why Capital one telling me they need more proof that this not bank and doing to help me, well the XXXX XXXX XXXX tried to return the payment again XXXX XXXX again so Capital one let them but close the account on me and also put the fee on my account which made my card a higher balance for the return fraudulent payment on both of my cards so now I'm having to pay a higher payment on my card and want adjust it and charging me for it telling me to do my own investigation it's nothing they can do for ne to call the bank myself and tell them to verify I'm in a whole nother state when Idaho have no clue why my own credit card company I deal with want help me but expect for me to pay for it please help
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I've discovered a couple of discrepancies in billing that need urgent attention. These inconsistencies highlight a significant failure in the creditor 's management of my account, for the accounts listed which is telecheck services. It's my right as a consumer to receive a credit report that is always 100 accurate. I respectfully request that the mentioned accounts cease to negatively impact on my credit report or be promptly removed. Additionally, any remaining information lacking proper evidence or precise details should be promptly eliminated. Your prompt assistance and consideration in resolving this matter are sincerely appreciated.
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, 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. 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. I found that under section 605b ( a ) TransUnion and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00}. 
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts 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: 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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, credit repair services, or other personal consumer reports

I really hope you can help me. XXXX and XXXX reporting an account that is past the statue of limitations. It's over 7 years and should no longer be reporting. I really need your help. There is an account with Cavalry Portfolio Services that it appears is some time of debt buying company. I have disputed it several times and XXXX said to contact XXXX and XXXX will not send documentation showing the account information. I really need your company 's help.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S
Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this account. Never had an account with this lender and I have never done any business with this collection agency that is trying to collect a debt I do not owe. Attached is my FTC report and letter. 

XXXX XXXX Account Number : XXXX Amount of alleged debt {$1000.00}.
Product: Debt collection

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX stating that XXXX, XXXX XXXX XXXX had recently recalled their file and has been placed in RAS LaVrar Law Office . 

I received a letter dated XX/XX/XXXX, from RAS LaVrar Law Office attempting to collect. I attempted calling several times with no answer. XX/XX/XXXX, I sent letter asking RAS to cease contacting me. By tracking the number an Alert came up stating that delivery was attempted-no access to delivery location. Received another letter from RAS  on Saturday, XX/XX/XXXX stating that last date for payment is XX/XX/XXXX of {$18000.00} ( which I dont owe ). The following Monday XX/XX/XXXX I was able to talk with someone at RAS and explained to him that I dont owe this amount and that the case had already gone to court. 

I dont understand why XXXX XXXX. ( XXXX XXXX XXXX ) keeps harassing ( with different debt collectors ) me threatening to repossess any property and hold as collateral against meI think that XXXX is being vindictive about everything. Weve gone to court over the matter and a lien is against my property already. What the Court said that I owed was {$16000.00}, plus costs in the amount of {$190.00} totaling {$16000.00}. I dont owe the amount of {$18000.00} because Ive made payments also. How can anyone go above what the Court say and charge something different?
Product: Debt collection

I previously filed complaints with the CFPB & other agencies against XXXX XXXX XXXX for abusive business practices relating to an unsubstantiated collection account. ( Case number : XXXX ) XXXX XXXX XXXX responded to my complaints and deleted the unsubstantiated collection from my reports and stated that they were closing the account. Shortly afterwards, another collection agency DeVille Asset Management placed the same unsubstantiated collection on my credit reports. After years of abusive and illegal behavior from XXXX XXXX XXXX, they appear to have done nothing but pass this unsubstantiated collection on to another collection agency. A few days ago, I received a letter from DeVille Asset Management, LTD stating that I MUST pay by XXXX/XXXX/2016 or it would result in further action being taken against me under all available remedies. This letter was not in an envelope but sent simply as an already opened perforated piece of paper. The credit reporting agencies have placed security alerts on my credit reports. I have also filed formal complaints with the office of the TX Attorney General.
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX are playing fraudulent activities while reporting a fraudulent account thats been wrote off for tax purposes but still reporting pass due balance as XXXX as if it wasnt a tax write off the IRS this is fraudulent tax fraud that double dipping Ive explained this to TransUnion to receive the correct information but they have caused me harm including house, transportation and jobs over this fraudulent account in the attachment I put a copy of the report on these companies and Im also suing for damages