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

I am writing to dispute inaccurate personal information and unauthorized credit inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I request an immediate investigation and correction of the following incorrect personal information and removal of any unverifiable or unauthorized credit inquiries.

1. Incorrect Personal Information : The following names and addresses do not belong to me or are inaccurately reported : Incorrect Names Associated with My Credit Report : 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 Incorrect Addresses Associated with My Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX These names and addresses are either not mine or are inaccurately reported. Per FCRA 609 ( 15 U.S.C. 1681g ), I request that you provide documentation verifying that I am associated with these names and addresses. If you can not verify them, they must be immediately removed from my credit file.

2. Unauthorized Credit Inquiries : Additionally, the following credit inquiries were made without my authorization and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 604 ( 15 U.S.C. 1681b ), a credit bureau may only provide my credit report if a permissible purpose exists. Since I did not authorize these inquiries, I request their immediate removal. If you can not provide verifiable proof that I consented to these inquiries, they must be deleted from my credit report under FCRA 611.

Request for Action : 1. Remove all incorrect names and addresses from my credit report.

2. Remove all unauthorized inquiries from my credit report.

3. Provide documentation verifying any information you choose to retain.

4. Confirm these corrections in writing within 30 days, per FCRA 611.

Failure to comply with this request will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Please send all correspondence to the address listed above.
Product: Debt collection

Rausch Sturm LLP via XXXX XXXX XXXX is stating that I owe a debt from XXXX and stop paying in XXXX. Today I received an envelope from them. XXXX letter said I owed the debt and to call to settle the debt and the other letter stated it was a Default Judgment out of XXXX XXXX from XXXX XXXX XXXX I did not move to XXXX XXXX until XXXX of XXXX and was living in XXXX XXXX at that time so how could I have a judgement in a county against me before I lived there? I called Rausch Sturm LLP who stated that the debt was from XXXX and I stopped paying in XXXX and the debt was sent to them. She then went on to say that in XXXX I agreed to a settlement over the phone for {$800.00} of the over {$2000.00} but it did not go through. That never happened. She said I provided a XXXX XXXX XXXX XXXXccount information which I have had sitting at XXXX for years and use another bank. Ive never provided my bank information and wouldnt provide XXXX if I was going to. Then she said I was being garnished and thats why I set up the settlement but then later said I wasnt garnished and to avoid garnishment I set up the settlement. None of that ever happened. Again, this is 13 years after they say the debt originated. Then I was put on hold so a XXXX could listen to the conversation that was held last year and the lady came back on the phone and said it was me and how would I like to handle the account. The XXXX XXXX case number on the form is XXXX. This does not come up in public records when searched. On XX/XX/XXXX of this year I got an email from Rausch Sturm LLP asking me how I wanted to settle the debt. If you got a judgement against me in a city I had never lived in at the time in XXXX why are you now sending me emails and Default Judgement letters. I believe this is harassment and borderline threatening garnishment on a XXXX XXXX XXXX account and also making up dates and arrangements to move the date of last activity date. I never received a summons to court in XXXX XXXX. Likely because its XXXX XXXX XXXX. Also, in court documents Ive seen in the past the copter does not put the case number as well as the debtors file number in the corner which makes me believe they manufactured this letter for fear tactics. I would like Rausch Sturm LLP and XXXX XXXX XXXX, XXXX investigated because nothing theyre saying or doing is making sense and I have never entered a settlement agreement or validated that this debt even belonged To me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXk Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX has violated my rights.

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

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

XXXX XXXXClosed XXXX XXXX  ( Installment ) Accounts - negative accounts - closed - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX  Payment Status 2-Year Payment History Older Derogatory events More Details Kikoff Lending, LlcClosed Kikoff Lending , Llc ( Revolving ) Accounts - negative accounts - closed - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX  Payment Status Charge-off section-605a4-section-605c-time-limits-charge-collection-accounts Pursuant : Section 605 ( a ) ( 4 ) : Section 605 ( c ) Time limits : Charge-off and collection accounts This is a violation and inaccurate reporting ** 15 USC 1691d** Mandates creditors to provide a written notice of any adverse action taken regarding a credit application Privacy Act Violations : 5 USC 552a : Protects privacy rights concerning the collection and use of personal information without consent.
Product: Debt collection

I am writing to file a formal complaint against SIMM Associates XXXX Inc. regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ) related to their handling of a debt collection attempt for an account with XXXX XXXX Below are the details of the issue I have encountered, which I believe constitutes a violation of the FDCPA. 

Violation : Lack of Proper Validation Notice ( 1692g ( a ) ) On XX/XX/2024, at XX/XX/XXXX I received a call from SIMM Associates. During this call, I informed the representative, XXXX XXXX, that I did not recall the debt and requested validation of the debt to be sent via U.S. mail. I also mentioned that I had never received any prior documentation regarding this debt. I subsequently received a letter marked validation from SIMM Associates, but it was lacking essential information required by the FDCPA. Specifically, the letter failed to inform me of my right to dispute the debt within 30 days and did not explain how to request verification of the debt. Additionally, it did not specify the consequences of not disputing the debt within this period, leaving me unclear about my rights and the process for challenging the debt. 


This omission has misled me about my rights and the proper process for disputing the debt. 
This has caused significant confusion and stress. I am uncertain about the legitimacy of the debt and how to properly address it. This situation has impeded my ability to respond appropriately and resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.According to FCRA Section 605B ( a ) the Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. Here is the list of account which does not belong to me or was opened without my permission. 

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

Failure to remove 2 negative closed reporting accounts on my credit report that is hendering my ability to get credit..I opened a dispute as a result of identity theft and experian is failing to remove the accounts
Product: Mortgage

I refinanced my loan back on XXXX ending with a conventional ARM loan, currently with an interest rate of 7.75 %. I was able to maintain my payment on time until I was forced to retire back on XX/XX/XXXX due to serious medical condition. I am now depending on my social security benefits and a small pension from XXXX. Due to the income reduction I was also forced to file for bankruptcy in the beginning of XXXX, finally discharged on XX/XX/XXXX. I contacted a Housing Counseling Agency since XX/XX/XXXX after getting a steep increase in my payment. My housing counselor has submitted the workout package along with my financial documentation for a couple of times and I have been following up closely since then. I am know 60 days behind and the lender keeps arguing the bankruptcy case must be " dominated '' to process my application. I have gone back and forth to the bankruptcy court and their staff had clearly stated the bankruptcy is done, shouldn't be an impediment any more. My counselor recommended to report my case to you agency, hoping to get an answer from my lender.
Product: Checking or savings account

I deposited a check for XXXX and it clear at XXXX on Monday, XX/XX/2022. The bank is refusing to release the funds until the XXXX. I am sick and need meds and have to pay my rent. I have never bounced a check or had anything negative occur with this account. First they lied & said they didn't get the funds. Now they are still claiming they didn't get the funds. XXXX XXXX XXXX XXXX XXXX insists they paid them days ago on the XXXX @ XXXX. The bank refuses to release my funds until the XXXX. It's xmas and I can't even buy my mom and dad a XXXX card or a gift. The bank is doing this to me and should not be allowed to get away with this. I need my money immediately!
Product: Debt collection

Debt is being illegally reaged by this company. I have had this debt removed from from my reports by the credit bureaus several times and they keep reaging it and reporting it as new.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which does not belong to me or was opened without my permission. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

I received a letter in the mail from Stuart-Lippman and associates inc. on XX/XX/2021 stating that I some how owe XXXX XXXX {$1400.00} from XX/XX/XXXX XXXX which is not true seeing how I never owned a car let alone car insurance, I don't even have a license. What they are trying to collect is fraudulent and I refuse to pay for something that I don't have and never purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is asinine! Please remove the fraudulent information immediately from my file. 

Home Address : XXXX XXXX XXXX. XXXX, NC XXXX Accounts : XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX ACCT # XXXXXX/XX/XXXXACCT # XXXXXX/XX/XXXXXXXXXX/XX/XXXX ACCT # XXXX XX/XX/XXXXACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XX/XX/XXXXXXXXXX/XX/XXXX ACCT # # # # # # # # # # # XXXX You also have a few different listed addresses as my former address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 
I have included a copy of my utility bill for verification. 

Any and all fraud freezes and alerts should be removed from my report immediately, AS I DO NOT want any blockages on my record for any reason whatsoever. I do not need anyone to keep watch over me like a dog! 







Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX SSN:XXXX DOB : XX/XX/XXXX
Product: Debt collection

I RECEIVED A COURT DOCUMENT ON XX/XX/2016 STATING I HAVE A MAGISTRATE HEARING ON XX/XX/XXXX AT XXXX COURT. I CALLED THE COURT AND THEY TOLD ME TO CALL THE ATTORNEY THAT IS ON THE PAPER ( XXXX ). I CALLED AND SPOKE TO XXXX AT EXT XXXX. WHEN I SPOKE TO XXXX I WAS ASKING IF HE COULD SEND ME ANY DOCUMENTS THAT HAD MY NAME ON IT. HE STATED THERE WAS ONLY STATEMENTS. I ASKED IF HE COULD SEND EVERYTHING WITH MY NAME ON IT IE THE SIGN UP OF THE CC AND MY SIGNATURE, THE AMOUNT OWED AND HOW THEY GOT THAT NUMBER, WHAT WAS BOUGHT, THE DATE THE DEBT BECAME BECAME PAYABLE, BASICALLY ALL INFO THEY HAD AND THE GUY TOLD ME HE WOULD PUT IN A REQUEST TO SEND OUT COPIES OF MY STATEMENT BUT THATS ALL AND IF IT SENDS IT SENDS AND IF IT DOES N'T OH WELL. HE WAS YELLING AT ME AND MADE ME FEEL VERY UNCOMFORTABLE WHEN I JUST WANTED VERIFICATION AND WHAT WAS GETTING BROUGHT TO COURT HENCE THE FIRST TIME OF HEARING OF THIS DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a public record on my background check since the beginning of XX/XX/XXXX and still have yet to have anything resolved. I am trying desperately to get into a home for my kids and I and keep running into problems. The writ of possession which is on my court documents was removed from my credit report due to errors on the spelling of the name and the amounts are not accurate. I have contacted the first advantage company that provided the background check and have been told so many different stories which more recently last week I was told the second dispute resulted in the eviction being removed that I needed to call the low income housing place and let them know they sent the stuff over to the office. After calling and the manager at the property told me nothing was changed. I then called the first advantage place again and he said they took the eviction off but then denied the application due to credit score. They would not let me speak to someone else and also would not go over the phone recordings to listen to what the person had told me regarding the eviction being removed. He said he looked at the notes only but would not listen to the calls. I cant pay the judgment because we cant locate the account holder since he is not a client of the eviction center he went through in XX/XX/2015 and that is the information the courts keep giving me on where to pay. Please help me.
Product: Checking or savings account

The bank is closing my account presumably not sufficiently profitable under provably false pretenses, thus provoking an involuntary forfeiture of the personal contents of a safe deposit box associated with it, which essentially constitutes an attempted theft of my legally obtained property, in light of the fact that I am currently living abroad and can not immediately appear personally to reclaim it. 

These actions constitute a clear breach of the prevailing terms of my account, assured to me in writing by the bank 's branch manager only a few years ago, after I had complained about the bank 's attempt to unilaterally change the conditions. 

Delayed initial notification of the bank 's unjustified intent to initiate closure of account arrived weeks after a deadline to respond had already passed. All subsequent efforts on my part to rectify the issue were unsuccessful.
Product: Mortgage

Please review the attached mortgage prepared by Bank of America. I am the current resident at the property address on the mortgage and am in the process of selling the home. This mortgage was discovered during the title search and has been delaying the sale of my home for about two months with what I now understand to be " XXXX ''. I think the biggest problem with the mortgage is that it was recorded a full year after it was prepared so the title companies involved never knew it was there. Also, I ca n't understand why I had to call them to get the release of lien started ; should n't that be done when the lien is paid off? I think there was some intentional fraud here on behalf of the previous owner and someone that works at that branch. The previous owner went through the closing of the property in question and her new home in Texas without disclosing this mortgage. Please help me to get the release sent to my title company so I can close on my short-sale before it falls through!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXX, Account # XXXX, Account name : XXXX, XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, has violated my rights. 

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.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX and XX/XX/XXXX I contacted Best egg through their websites online chat as well as spoke with XXXX of the reps over the phone to cancel autopay and revoke XXXX authorization. However, on XX/XX/XXXX Best egg attempted to withdraw a payment for {$50.00} which is processing from my XXXX  XXXX XXXX checking account after I revoked authorization back on XXXX and XXXX. I would like the payment returned to my account and for them to stop withdrawing payments from my account. I informed all reps during my contact with them that I would be mailing in payments instead. I also sent an email to them today on XX/XX/XXXX to inform them that I revoked their authorization.
Product: Credit card

I had a 15 month Balance Transfer ( XXXX ) at 0 % though XX/XX/XXXX with a balance of {$6000.00} noted on my statement dated XX/XX/XXXX. In XXXX, I made a large purchase in excess of $ XXXX on this card knowing that I would be charged interest immediately on purchases from thr day the purchase posted. I am not contesting this as this is a normal part of any card agreement. 

I am contrsting the fact that I immediately paid off that purchase within the month of XXXX, XXXX and the payment, after the minimum due was satisfied, was allocated to my balance transfer balance thus wiping it out and leaving the remaining balance of {$7000.00} at my higher, purchase rate on my statement dated XX/XX/XXXX. I have been accruing interest on the remaining balance since. This is in direct violation of my card agreement part XXXX and the CARD Act. 

I contacted USAA once I flnoticed the error in XXXX XX/XX/XXXX and they gave me conditional credits for the finance charges. However, I recieved a call a few days later and was told they were in compliance with the card agreement in which I veimiently disagreed. The refused to correct the situation and have since taken the conditional credits away. 

My biggest concern is if this is happening to me, how many other customers are they doing this to? Additionally, how long has it been going on? Payment allocation has been in effect since XXXX and it's a simple law to follow. I think USAA is putting profits over the constructs made very clear the law and needs to be held accountable.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX did not investigate my dispute. The error keeps coming back verified. I asked them how they went about verifying the account and who they spoke to. I never received a response. 
I have all the documents that they need to delete the account that does not belong to me off my credit report.