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

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, the following entries are unauthorized and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX XXXX - XX/XX/XXXX - $ XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - $ XXXX Fraudulent 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

This company purchase this alleged debt from a previous debt collector that was not able to validate this alleged debt. This debt does not even exist and was not originated by me. 

I notified this debt collect with a Cease and Desist because the debt does not exist and I notified them specifically in writing by mail that that I REFUSED TO PAY THIS ALLEGED DEBT that Paramount Recovery purchased from another 3rd party debt buyer. Paramount Recovery and I never engaged in any form of business and I never contractually sign any legal obligation binding me to any allege debt that you spoke of in your letter to me dated XX/XX/2023. Therefore you do not have any original documents bearing any of my signatures, as well as the previous debt buyer whom you purchased this debt, had none either. 

I XXXX XXXX XXXX am enforcing my federally protected rights as a consumer, from this point forward. Paramount Recovery Systems L.P. is to CEASE and DESIST further communication with me and shall not! conununicate further with me with respect to this alleged debt in any form or fashion though any medium.

This Cease and Desist includes but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY, which amounts to collection attempts. To be clear the law clearly states ( if you are unaware ) the following : 15 USC 1692c ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

So therefore I am exercising my rights PURSUANT 15 USC 1692 ( C ). And if you are unaware of the definition for communication under FDCPA / FCRA it is define as follows : The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
Any medium includes any oral, written, electronic, or other medium. For example, a communication may occur in person or by telephone, audio recording, paper document, mail, email, text message, social media, or other electronic media.

You have no permissible purpose by law to contact me or any 3rd party, with my private or personal information. You also do not have any consent to access any of my consumer reporting files with consumer reporting agencies. If you do, your offenses will amount to Aggravated Identity Theft pursuant to 18 U.S.C.

1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX  XXXX, XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

FDCPA Section 807 Violation Misleading False Reporting Inaccurate reporting have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.
Product: Mortgage

I have had nonstop issues with this mortgage company since day one of them taking over my mortgage. First, I was divorced in XXXX. I fell behind on my mortgage payments at that time. I spoke to several different people and got different advice of what to do. Finally, after months of near foreclosure, I got approved for a loan modification. This added YEARS to my mortgage. I have also requested for refinance to remove my ex-husband from the mortgage. They refuse. I ultimately got remarried and divorced again. This time in XXXX. Again, it took months of speaking to multiple representatives to get any help. In XX/XX/XXXX, I lost my job. Because of the past issues that I have had keeping my mortgage current, I decided it was time for me to sale the property. I called on XX/XX/XXXX and inquired about a short sale. The representative asked me if I had lost hours during the pandemic. I told her yes but that was not the reason for losing my job. The representative told me that had to be done through a realtor. I got a realtor and called and adding them to my account as a third party on my behalf. He could never get any answers as to what t do other than list it on XXXX. On XX/XX/XXXX, I called again. The representative then sent me paperwork to fill out about short sale and what she called an " affidavit '' for COVID forebearance. I returned these to them. I called a few days later and was told that they got the information about short sale but not the affidavit. Then on the same call was told it would take 30 days for that paperwork to show up. In the meantime, I found a different realtor for the short sale. She had made multiple calls trying to get a packet of information required for short sale and on every call has been told that it would be sent to her. She was able to get information about equator.com and set up and initiate a sale. Two weeks went by and she got nothing. After several more phone calls, she was told she would have what she needed in 48 hours. Again, that did not happen. The last time she spoke to someone was one day last week after holding for over 45 minutes and the man told her then that he didn't know when it would be sent to her but said he would be in contact with someone to get it expedited for us. In the meantime, I received a call from the mortgage company telling me that I had to send in {$1000.00} to be able to complete the short sale and that I had a demand letter that expired on XX/XX/XXXX so they could foreclose on me at anytime. I am trying to be proactive and not have a foreclosure. It seems this is what they want to happen. In all honesty, I do not want to lose my home. I would like for the mortgage company to refinance my mortgage at a rate and payment that I can afford. It would be the least they could do with the continued issues that I have with them. Actually, I wish I could get refinanced with a more reputable company. Also, they have not reported to a credit agency in years. Please help me in figuring out how to handle this and stay in my home. 

Thank you
Product: Credit reporting or other personal consumer reports

I went to check my credit score and I have like 4 accounts that are now in collections for loans and credit cards I never opened. Someone has stole my identity and been using my name to open accounts. They all date to XXXX and XXXX and I can prove that I was in prison for those 2 years ib just got realsed XXXX XXXX please fix this and what should I do
Product: Checking or savings account

Well Fargo has sent me a customer remediation check for the closing XXXX my accounts with them and has not compensated me for the unlawful violations they have made upon me and my financial ability. In the letter sent to me they stated they assessed service fees and admitted to causing me damage because of funds they stole from my account and closed.
Product: Credit card or prepaid card

On XX/XX/2022, at some point in the afternoon, I logged into the Amex mobile application, added a new bank account, and made a payment for {$150.00} from this new bank account. The application thanked me but did not send a payment confirmation email. I have never received payment confirmation emails from American Express. 

On XX/XX/2022, at XXXX XXXX, I received an email from Amex thanking me for my XXXX XXXX for {$150.00} on XX/XX/2022. Later on XXXX, I checked my bank accounts as I had just gotten paid. I confirmed the XXXX payment went through from yesterday to Amex and then checked my primary bill bank account. Another payment for {$150.00} was showing as processing to American Express from a bank account I did not authorize. I checked the Amex mobile application and it showed XXXX payments- XXXX posted and XXXX processing. 

I called Amex and they were unable to stop the processing payment and were only able to log a complaint and instructed me to contact my bank. Amex also claimed that as the payment says " XXXX '' that I arranged for the payment myself. I did not. American Express has also routinely harassed me for money greater than my minimum payment due with threatening chats and several emails instructing me to pay XXXX greater than my minimum payment due listed on my statement. 

Not only have they violated the XXXX but under XXXX their account system falls under bait and switch. You can not claim a customer can use " pay over time '' and then hold an account for ransom for more money when a customer makes their minimum payment due, or more than their minimum payment due. That is a deceptive practice.
Product: Credit reporting or other personal consumer reports

I was in an approved forbearance plan in XXXX, prior to, my mortgage was in good standing. My mortgage comp XXXX XXXX reported XXXX XXXX that I was 180 days late XX/XX/2023, again I was on an approved forbearance. In XX/XX/2023 XXXX paid in full my mortgage delinquency to XXXX. XXXX. Payment was sent on XXXX XXXX in the amount of {$17000.00} ( I do have documentation from XXXX ) Also, per the Cares Act Law signed XXXX XXXX amending the FCRA, to stop adverse credit reporting during XXXX crisis. 
I can not obtain a loan for home repair until XXXX XXXX remove this erroneous error, reflected on my XXXX XXXX Experian XXXX and XXXX reports dated XX/XX/2023. 
Also, XXXX XXXX had a data breach in XX/XX/2023, in which I am continuously contacted via phone with spam robo lender calls from XXXX XXXX. I receive 3-5 junk mail letters from lenders all directly related to the financial breach. Prior to the breach I never received calls/ mail of this type. 
Note ; I filed disputes with all XXXX reporting agencies. Mortgage lender deleted XXXX late from XX/XX/2023 and its now reflected under XXXX XXXX 180 day late.Again, I was in good standing prior to my approved forbearance, moving the delinquency from XXXX XXXX XXXX  is proof to me of the unwillingness to accept the 40-60 point credit points drop reflected on my credit reports. I have called XXXX as recent as this afternoon requesting a supervisor, advised I would receive a call back from XXXX XXXX as of this complaint I am still waiting. Thank you. 

XXXX is under the umbrella of XXXX
Product: Debt collection

VanceHuffman has XXXX accounts listed on my credit report stating that I owe XXXX and XXXX both the state and they were open on XXXX XXXX XXXX I have no recollection of this debt and why it 's reporting on my credit twice same day open to different amounts
Product: Debt collection

I received a copy of my credit reports and noticed that United Revenue Corporation at XXXX XXXX, XXXX XXXX, XXXX, TX XXXX was reporting two medical bills on my credit reports. I immediately reached out to them via certified mail and asked that they verify the debt that they are attempting to collect. I also asked them if they had permission from me via a signed document giving my permission from the hospital to release my personal and private information to them in their attempt to collect a debt that may very well not be mine. I sent my initial request to them in writing dated XX/XX/2021. They responded back with a letter dated XX/XX/2021 with both personal and private information regarding treatment that was given to someone bearing my name but no proof of a signed contract by me nor a signed HIPPA from my giving them access to information on me. I wrote to them again via certified mail with a letter dated XX/XX/2021, informing them that they still never complied with my first request of a signed contract nor a signed HIPPA release form and therefore I was asking that they again verify the said debt they are trying to collect on. 
They responded back via letter on XX/XX/2021 with the remarks that they were classifying your continued vague disputes as frivolous attempts to dispute information that you know to be accurate this was their response verbatim. This is very offensive to me as I know my rights. How is my request for proper, solid verification a frivolous attempt to dispute when I have every right by law to ask for them to show me in writing verification of a debt they say I owe? They are violating many of my rights and I would like to have this matter investigated. Thank you for your attention to this matter.
Product: Checking or savings account

I applied for the " Chase Payment Solutions '' which is an app that would allow my business to take credit card payments using Chase 's Bank network. 

I knew of them because this service is offered at www.chase.com so, as an existing Chase credit card client, I decided to apply for this service back in the Fall of 2023. I did it with the intention of receiving {$1000.00} introductory bonus. This bonus was earned after completing a minimum of 6 transactions within the first 90 days or {$2000.00} in received net payments. Well, I fulfilled both just to make sure I got the money. 

As you can expect, the terms say that it could take up to 6 weeks after meeting the requirements to receive the introductory bonus, and now it's been over 3 months and I am still waiting for it. 

I emailed them and the person who replied to my concern is XXXX XXXX. He is the Vice President, Business Development Manager | Payments | Chase | T : XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX, TX XXXX | XXXX I attached his information. We exchanged emails back and forth for about 2 months where he said he was going to look into it, and that it was going to take time. But after I asked him to provide the information of someone who can help me, given he's not resolved my issue, he stopped responding to my email. 

Keep in mind that within our communication, he acknowledge I fulfilled the requirements and he was going to investigate why I had not received my bonus. I have all these emails and I am willing and able to share these information with you. 

Lastly, I dialed his telephone number and I have been unable to even leave a message. And sadly, to my surprise, this is a known issue as many other Chase clients have had the same problem. 

I look forward to hearing from you. 

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

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3600.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$690.00}, XXXX XXXX XXXX ( XXXX, Open Date XXXX XXXX, XXXX, Balance : {$11000.00}, XXXX XXXX ( AccountNumberXXXX, Open Date XX/XX/XXXX, Balance : {$3500.00} )XXXX XXXX XXXX XXXX XXXX Account Number XXXX, Open Date XXXX XXXX, XXXX, Balance : {$2500.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

I need to inform you that I have recently discovered unauthorized accounts opened in my name, which I believe to be the result of identity theft. I am requesting your immediate attention to this matter and the closure of the fraudulent accounts.

In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation. 

XXXX XXXX I have attached a copy of my identity theft report to authenticate my claim. I am requesting that you immediately close the fraudulent accounts listed above. I understand the seriousness of identity theft and its impact on both the victim and the creditor. I expect your full cooperation in resolving this matter promptly and professionally. 

I appreciate your immediate attention to this critical issue and your assistance in rectifying the fraudulent accounts.
Product: Credit reporting or other personal consumer reports

The following items are inqueries on my report that did not happen. XXXX has no record of them. There is no history of applications, inqueries, or accounts from any of the XXXX support people I talked to at XXXX. 

Experian refuses to remove them, even though it seems to be from Identity Theft. 

XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired XXXX On record until
Product: Credit card

Opened a credit card, immediately spent approximately {$10000.00} on the card. Attempted to log in to pay the card off, and found that the account was locked for suspected fraud, and couldn't create a login. Called the company to attempt to verify identity and get the lock removed, as well as pay the card. Company instructed us that only going to the physical branch would be accepted to remove fraud lock. Would not give me the outstanding balance to pay. 

Despite moving and giving birth during this time, managed to get to a branch, only to be told that even though they can verify me locally, they can't do anything for me for a credit card, because that has to be done on the phone with the credit card department. After a few days, the fraud lock was lifted and I called the company to pay.

In calling the company to pay, I specifically and explicitly asked if late fees and interest would be waived due to the fact that they were the ones that wouldn't accept my payment, despite several attempts at payment. I was told that it would be waived and that the payment would bring the account to fully-paid.

Several months have passed, and I'm getting billed interest, which is now accruing and they're threatening a report to my credit ( which is presently a near-perfect XXXX ).
Product: Money transfer, virtual currency, or money service

I was sent money to help in these difficult times about XXXX in the XXXX XXXX venmo and was unable to transfer to my debit card, contacted customer support multiple times and they were unable to fix/help with the problem, they said to link my bank account and do the standard transfer to my bank account unfortunately i was unable to even link any bank account manually with the routing number or with the plaid system they had in place to link my account on top of that i was not even able to add my information to verify my identity and was repeatedly given the message that there was an issue or things werent working message for days. There was no option to retrieve the money sending or transfering and repeatedly told im so sorry but unfortunately theres nothing we can do except escalate your account and to wait for an email.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Submitted a Police Report and Identity Theft report to all three credit reporting agencies about identity theft including the XXXX XXXX XXXXXXXX Account # - XXXX. 

XX/XX/XXXX - XXXX XXXX XXXXXXXX Account # - XXXX was deleted from my XXXX  credit file. However, that account was not removed from my Experian credit file. Filed several disputes with Experian but they did not remove the fraudulent XXXX XXXX XXXX account which resulted from identity theft crime. 

XX/XX/XXXX - Contacted XXXX XXXX XXXX to try to resolve this matter with them. Spoke with bank representative XXXX XXXX who opened case # XXXX and advised me that a bank representative from the fraud department would contact me but nobody ever contact me. Instead they send me a letter in the mail claiming I am responsible for that debt. 

XX/XX/XXXX - Received a dispute results from Experian saying that the item will remain on my file since it was deemed to be accurate. 

I can not understand the disparate treatment I am receiving from Experian credit report agency since the information was corrected at Equifax but it is still wrong with Experian. I believe that both XXXX   XXXX XXXX and the credit reporting agency are infringing my rights under the FCRA Section 611 and I need your help. 

Thank you very much. 

Best regards, XXXX XXXX XXXX
Product: Checking or savings account

I had XXXX in my account on XX/XX/2023 and I went to get things I needed since I am on social security with a fixed income and now I am XXXX negative when I know I had the money and when I asked well fargo why I was in the negative they told me that there was no XXXX in my bank account but I know what I seen in my bank account and I have been fighting with them for about 6 months now and dont know what I can do and this isnt the first time this has happened to me with them I also had XXXX taken out of my account after I deposited I check a friend give me to help me out and the only thing they said to me was refer to maker