23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received at unverified email from Discover concerning a past due amount on my account of approximately {$37.00}. I 've never had a missed payment with Discover, so immediately called the number on the email. The next 20 minute were the most invasive, pressure filled customer service encounter I 've ever experienced. The operator proceeded to tell me that I had only paid {$30.00} of a {$67.00} bill and I had been accessed a late fee of {$27.00} and interest penalty ; however, if I authorized her to get into my XXXX XXXX XXXX checking account she could take my money. In shock about her knowing my bank account number and threatening to access the account, I explained that I was driving and preferred to wait until I returned home to review my statement, payment history, and to make sure this was n't a scam. Immediately, the representative asked why I would doubt she was legit, because I called her? She stated that unless I gave her permission to access my XXXX XXXX XXXX account or made an phone payment, I would be penalized. Again, I explained I did n't feel comfortable giving her access to my banking account. At this point, I felt very uncomfortable and bullied. Remember ... I 've never missed a payment. Why was I being bullied by a collector for a {$37.00} payment 10 days past due? She then insisted on taking my cash rewards of {$38.00}. When I refused she again applied undo pressure. I refused all of her offers and her tone changed from aggressive to anger. I let the call with, I 'll contact customer service when I get home. I made a mistake on the payment and immediately called the number listed on my statement. The represenrative seemed to be sympathetic to my situation at first, but then immediately went into collection mode with the same barrage of questions, including having access to my checking account. She used my rewards to bring the account current but refused to reverse any charges because I would n't pay next months bill in advance. She asked me a lot of questions almost like an interrogation. At this point, I had had it ; refused to answer any more questions and explains that I had taken all I was going to take in one day. It was the most brutal customer service experience I can ever remember encountering. I am a XXXX. In my 21 years in this position and XXXX I do n't know that I have ever experienced anything like my two experiences today with Discover Card. As a long time loyal customer, I will sever ties with Discover Card, and will communicate with the CEO my incredible experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, WELLSFARGODEALERSERVICES, did a hard inquiry online to get information. I never authorized them to do this inquiry. Do to their inquiry, my credit score dropped. What can I do to sue them for fraud? This occurred on XX/XX/2018. I was informed through credit karma on XX/XX/2018. The address is XXXX, North Carolina XXXX
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct the following accounts from my file. XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXXXXXX XXXX Balance : {$3200.00}
Product: Debt collection

Left XXXX XXXX for another electricity company. Initially, I did not pay my final bill on time. This was reported to a collection agency, whom I paid in XXXX of 2018. I have a screenshot of my credit report that shows that this was paid. The very next month, I got a letter from a different collection agency ( Mercantile ), and they were trying to collect {$58.00} on behalf of XXXX XXXX. They also put this amount on my credit report, and it doesn't belong there. I no longer owe XXXX XXXX any money, and I want the Mercantile {$58.00} debt fully erased from my credit reports. Thank you.
Product: Credit reporting or other personal consumer reports

FINAL NOTICE TO PROCOLLECT INC. FRAUDULENT ACCOUNT | NO CONTRACT | NO AUTHORIZATION | 24-HOUR DEMAND FOR PERMANENT DELETION To ProCollect Inc. , This letter serves as your final legal notice and demand for the immediate and permanent deletion of a fraudulent account you are reporting under my name. I have never done business with your company, have never signed a lease or contract with you or any associated property, and have never resided at the location tied to this alleged debt. 

The account you are reporting is unauthorized, unverified, and entirely fraudulent. You have no legal grounds to continue reporting this account, and doing so constitutes multiple violations of federal and state law. 

Fraudulent Account Details : ProCollect Inc. Alleged Rental Balance : {$7900.00} I did not reside at the reported property I never signed a lease or any binding agreement I never authorized this debt, and I dispute its validity in full You Are Now in Violation of the Following Laws : FCRA 623 ( a ) ( 1 ) ( A ) : It is unlawful to report information you knowor should knowto be false.

FCRA 611 ( a ) : You must delete any information that can not be verified.

FDCPA 807 : Misrepresentation of the character, amount, or legal status of a debt is illegal.

FDCPA 808 : Attempting to collect any debt not authorized by contract is a violation.

XXXX & XXXX XXXX XXXX : You are liable for reporting false credit information under state law. 

Furthermore, I contacted the XXXX XXXX XXXX XXXX directly and was informed that they never gave permission for any eviction data to be reported to credit bureaus or tenant screening services. You are unlawfully using court-related data to support a claim you have no right to report.

24-HOUR DEMAND FOR ACTION You have 24 hours from the date of this notice to : 1. Permanently delete the above-listed account from all consumer reporting agencies 2. Cease all current and future collection or reporting activity 3. Confirm in writing that the account will not be reinserted or reassigned 4. Send written confirmation to : XXXX If you fail to comply, I will immediately proceed with the following actions : File a Small Claims lawsuit for {$16000.00} in damages Report your violations to the FTC, CFPB, Attorney General, and applicable regulatory bodies Pursue full legal recourse under the FCRA, FDCPA, and consumer protection statutes This is your final warning and official legal notice.

You are now fully liable for damages.

Comply within 24 hours or face immediate legal consequences. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

our MONTHLY STATEMENT dated XX/XX/2021 total amount was {$1500.00}. 

On a statement dated XX/XX/2021, it became {$1900.00}, because they added Escrow ( Taxes and Insurance ) for the amount to {$400.00}. 

We paid our regular monthly payment of {$1500.00} and we did not miss a payment. 

We received a letter, dated XX/XX/2021, from XXXX, sub serviced by LoanCare XXXX LLC, cancelling the insurance coverage that they ordered and the amount charged to our account has been reversed. The impound/escrow account was also cancelled. 

We received the monthly statement dated XX/XX/2021, the errors were not corrected and a late fee was also added. We were never late in our payments. Our bank statements can prove it. 

On XX/XX/2021, we wrote a letter about the errors that were not corrected. We included a copy of our insurance coverage as evidence, which XXXX acknowledge on XX/XX/2021. 

On XX/XX/2021, we received a " payment reminder notice '', we do not know why, because we never missed a payment. 

Another letter arrived on XX/XX/2021, about being delinquent in our payments. 

On XX/XX/2021, we called Loancare and talked to XXXX and later on to XXXX. They said that everything will be corrected. 

On XX/XX/2021, we wrote another letter about the escrow and late fee errors. we filled the guidelines by CFPB, and we have not recieved any response. 

As of today, nothing has been corrected. I need your help
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681b PERMISSIBLE PURPOSE and Aggravated Identity Theft under 18 U.S.C 1028 A. 

******I sent a letter to XXXX XXXX XXXX , and EQUIFAX to reinvestigate these accounts that are reporting illegal transactions late payments. XXXX refused to investigate. Please see attachment XXXX LETTER I am aware that transactions may be applied to the consumer account as per XXXX LETTER. This applies ONLY if the consumer gives WRITTEN consent to do so. Remove these accounts below immediately. 

******15 U.S.C 1681 A ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report *****Accounts in dispute pasted 30 days : XXXX  XXXX XXXX ( XXXX, XXXX ) XXXX XXXX XXXX ( XXXX, XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX, XXXX ) XXXX XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX EQUIFAX ) XXXX XXXX ( COLLECTIONS ACCOUNT ) ALL reporting XXXX XXXX XXXX XXXX XXXX has performed Aggravated identity Theft according to 18 U.S.C 1028 A. To obtain information from my report without my knowledge or written consent to furnish an account on my behalf. This is another violation of 15 U.S.C 1681 N. Remove this account immediately. 

*****18 U.S.C 1028a ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

*****15 U.S.C 1681 b ( 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 instructions of the consumer to whom it relates. 
*****USPS TRACKING NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX RECEIVED ( XX/XX/XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

Dated on XX/XX/2022 CFPB Complaint XXXX Experian Information Solutions Inc stated we contacted the data furnisher ( s ) for the account you have disputed and asked them to verify the accuracy of the information with which you disagree. They had responded and verified that the disputed account was accurate as reported. 
However, I, XXXX XXXX, Consumer, am aware that Experian Information Solutions Inc ( Experian ) is in noncompliance of 15 U.S. Code 1681e ( b ) United States Code.

Pursuant to 15 U.S. Code 1681e ( b ) I, XXXX XXXX, Consumer, am demanding ( Experian ) to prove with documentary evidence that ( Experian ) has followed the reasonable procedures to assure maximum possible accuracy according to Federal Law 15 U.S. Code 1681e ( b ). Respectfully, XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX : {$160.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a first time home program seminar and they told me that I couldnt sign up because of my credit. I got a copy from the annual report and there are alot of items on my credit that is not mine. Please remove so I can co sign for my son a car. N/A ( Acct # XXXX XXXX ), XXXX XXXX.XXXX  XXXX/XXXX-XXXX, XXXX, XXXX, XXXX XXXX XXXX. I also saw where my credit was ran several times and I went through it and these inquiries are not mine. I dont run my credit like that : XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 have contacted the police and the people at FTC. I'm doing this on my own and need help.
Product: Money transfer, virtual currency, or money service

I am a XXXX combat veteran and on XXXX XXXX, XXXX I purchased two Western Union money orders At the XXXX XXXX in XXXX, GA. to pay my rent. One was for & XXXX and one was for {$550.00}. I mailed them that day at the US Post Office in XXXX, GA. My landlord telephoned me two weeks later to tell me he never received the letter with the money orders. I called the Western Union customer service number to immediately stop payment but the customer service number is strictly an automated system with no recourse to speak to a live person about dealing with the immediate situation. I was desperate to stop payment on the money orders as they were either lost or stolen. The automated instructions were to filed a Money Order Customer Request which takes six to eight weeks. I sought the help of a consumer help advocate in XXXX who dug up a Western Union fraud phone number But when I called them the person said there was nothing they could do to stop payment and I would have to fill out the form and wait up to eight weeks for payment to be stopped on the lost or stolen money orders. only then would a stop payment be issued and only if the money orders had not been cashed. If someone had stolen them and cashed them then I wold have to file a report with the local police to try and get my money back. I tried to explain that I am a XXXX XXXX from combat XXXX and live on a small medical stipend and that I could lose my rental house if I did not pay soon. The person said sorry and hung up on me. On XXXX XXXX I faxed and sent a " Money Order Customer Request '' for to Western Union. This was the worst case of " no '' customer service I have evr experience. There was absolutely no compassion or desire to help and most shockingly, no concern about the fraud of the stolen or lost money order. They already had my money and now it was my problem. How can this company operate in the US without some accountability to the public? 
Thanks for any help you can give. I am frustrated that there is nothing else I can do from my side. I may lose my place to live if I can not resoleve this quckly.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft VERIZON Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}.
Product: Credit reporting or other personal consumer reports

RE : Personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleted from my file. 
To Whom This May Concern : It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information. 
On ( XX/XX/XXXX ) I received a response from ( Experian ) stating that the following accounts were fraudulently opened, and I am indeed a victim of identity theft, and it was immediately DELETED from my credit file. 
Accounts that were deleted from other credit bureaus : XXXX XXXX XXXX {$53000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$37000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  {$1000.00} XXXX -XXXX  XXXX XXXXXXXX {$210.00} XXXX XXXXXXXX XXXX XXXX  {$410.00} XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Per the PROCEDURES and laws stated in 15 U.S.C . 1681i and its subsections I have requested that ALL FURNISHERS related to these accounts and CONSUMER REPORTING AGENCIES in which these items have been disputed be NOTIFIED of the DELETION of this account due to Identity theft.

As stated above, I have requested information be sent to all CRAs and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT.

PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit file is a violation of my rights.

Please DELETE THIS ACCOUNT IMMEDIATELY so we can avoid further potential of a consumer or legal complaint. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was impacted by the data breach. these items do not belong to me and have negatively impacted my credit. 

DISCOVER BANK Account # XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX  Account # XXXX Opened : XX/XX/XXXXXXXX XXXX