23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX  PLEASE UP DATE MY PHONE MUMBER :  XXXX  I C  SYSTEM INC   XXXX  AND I C SYSTEM INC  XXXX  Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale  or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.    I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from iden tity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.     The reference items are listed below please take this matter very serious I C  SYSTEM INC   XXXX  AND I  C SYSTEM INC   XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in th e U.S. District Court for  the  XXXX   District of  Califo rnia Stop c ollection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX
Product: Credit reporting or other personal consumer reports

I think I've been a victim of identity theft. I disputed the wrong info on my credit report. I don't know how it happened, and I have no suspects. I didn't get any money or stuff from it. Can you please investigate and remove it from my credit file? Thanks. 
XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX Balance Owed : {$1000.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a response to complaint number XXXX ... I didn't sign a contract with XXXX, I signed a contract with XXXX so not sure why I would owe a company money that I didn't sign a monitoring contract with. Also I NEVER received a bill from XXXXs and XXXX is the company that interrupted my service in XX/XX/17 for non payment when all along they were endorsing my checks ... so there is confusion somewhere and I should not be held responsible for XXXX 's mishaps. Who is XXXX??? MY CONTRACT CLEARLY SAYS I SIGNED A CONTRACT WITH XXXX NOT XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

THE PAYMENTS WENT TO THE COMPANY I SIGNED A CONTRACT WITH : XXXX!!!! 
AGAIN, I am attaching the one and only XXXX contract I signed, the service interruption notice, and the payments I made with the company I signed a contract with : XXXX!!! Again, explain who XXXX is as I did not have an alarm monitoring contract with any other provider than XXXX. So there is clearly an ERROR somewhere!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters disputing the validity of this account being mine and requested CITI to provide me proof, bearing my signature, that I have ever had opened this account. And from the responses that I received back from CITI after disputing this account over the past few years, were statements with my name on them. The statements included addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX  XXXX XXXX CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

CITI states that these statements show valid proof that the account is mine, but I have never lived at any one of theses addresses. Nor have I ever disputed fraud charges with CITI from which they stated on a recent letter, that a copy of a Declaration of Fraudulent Charges was sent to my prior address where they claim that I signed and returned to them. I never received such Declaration because I never lived at the addresses that were on the statements provided, and I have never signed any such documents because I have never lived at the addresses that were on the statements provided. My wallet was lost/stolen years ago, and I have called up each bank and credit card company that I had accounts with and cancelled each card. I NEVER called up CITI because I NEVER had a CITI account. 

My credit file with my social security that is reported to the credit bureaus, including but not limited to XXXX, XXXX, and XXXX, all have " Fraud Alerts '' because of such IDENTITY THEFT activities. 

This is not my account with CITI, nor have I ever had an account with CITI. I request to have this account removed/deleted from all of the credit bureaus, including but not limited to XXXX, XXXX, and XXXX, along with any negative remarks associated with CITI, as it is severely damaging my credit file. I also request to cease & desist all communication with CITI, written and/or telecommunication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested to opt-out, fraud alert and a freeze place on at an account that was created in my name at LexisNexis, 3rd parting data furnisher. This was done to stop them from reporting things to the credit bureau that has caused me to suffer because my credit score wo n't allow me to function as a normal human being.
I contacted this company because after I did what was required per LexisNexis, they refused to stop reporting and so-call verifying information that they placed on my report. I was told by the CRS that they can report whatever they want to thru public recording reporting. This is contradictory as to what they require you to do as a consumer per their company to stop what they are doing.
This is so frustrating with this act of trickery to gain more information on you to report to credit bureaus who take their word as law.
Product: Student loan

I consolidated my federal loans with Sallie Mae years ago. When the Public Service Loan Forgiveness became known Sallie Mae told me over the phone my loans would qualify. Then my Sallie Mae became  Navient and Navient told me I don't qualify for the 10 year pay off. I'm XXXX years old, a XXXX XXXX XXXX XXXX XXXX and I spend months arguing with Navient. I don't have time to argue for years with Navient so I transferred those loans to the fed loan system, so I can at least start the payoff. How do I get Sallie Mae or Navient to honor the Public Service Payoff?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contact the companies and they always tell me that they will remove inquiries but they don't I have been going back and forth with them for months with any luck. this is my last resource,
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 


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

these creditors removals prove that these items should be deleted
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 


Account Name : BBY/CBNA Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TU Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Checking or savings account

FRAUD BY ALLY BANK EMPLOYEE ; funds embezzled Set up external bank XXXX XXXX transfer at ALLY bank website between my ALLY online saving and linked XXXX XXXX BANK saving account. Submitted EFT ACH transfer on ally bank website from my XXXX XXXX bank account to ALLY BANK online savings account for {$98000.00}. XXXX XXXX bank received this request and honored it, sending the funds to APPLY BANK and provided monthly statement showing valid transaction, which is uploaded. ALLY is claiming they never received funds even though XXXX XXXX bank statement showing withdrawal provided to them. Clearly ALLY BANK employee has embezzled the funds. I request CFPB to file complaint and investigate
Product: Money transfer, virtual currency, or money service

on XX/XX/22 we sent {$1500.00} via moneygram international at our local XXXX XXXX to an account in XXXX.the funds were never recieved, money gram claims the wrong account # was given. not true, in fact the bank in XXXX would not accept the transfer due to the amount ( over XXXX thb. ) money gram says that it may take up to 90 days to resolve this matter and keep giving us the run around... frustration as our family needs this money.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and bring to your attention what appears to be a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a. My concern pertains to my credit utilization.

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. Upon reviewing my credit report, it seems that my credit scoring may fall within this exclusion.

Additionally, 15 U.S. Code 1681a ( 3 ) states that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer, except as provided in section 1681g ( a ) ( 5 ) of this title. I would appreciate clarification on the procedures followed in relation to inquiries on my credit report.

To assist in your investigation, I have enclosed a copy of my credit report highlighting the relevant information and discrepancies. I kindly request that you conduct a thorough review of the matter and provide a written response within the time frame specified by the FCRA.

If it is determined that there has been a violation, I request that the necessary corrections be made promptly to ensure the accuracy of my credit report. Additionally, please provide me with information on the steps taken to prevent similar occurrences in the future.

Thank you for your prompt attention to this matter. I look forward to your timely response.

Per 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Debt collection

I have written several letters to Portfolio Recovery Associates asking them to verify 4 debts that they are requesting me to pay. All this company do is send me a bill with the amounts of XXXX, XXXX, XXXX and XXXX. I have asked them to send me documentation bearing my signature that this debt belongs to me. My last letter was dated XXXX and once again I was sent a bill nothing validating the debt. This violate my right under FCRA.
Product: Credit reporting or other personal consumer reports

This isnt accurate information on my credit file! I need your method of verification. This isn't my correct address that XXXX XXXX reports as mine.
Product: Credit reporting or other personal consumer reports

debt furnisher reported information on consumer account after report was removed from all 3 bureaus due to the lack of proof of validation of account. Company is reporting false legal representation on file of the account that has not been validated nor belongs to consumer.

Law violation : 15 USC 1692g section 809 ( b ) -Debt collectors must cease collection activities until they provide verification of the debt.

15 usc 1681q : - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Enhanced Recovery Company , LLC, Doing Business As, ERC Reported a false balance onto my credit report that I DO NOT OWN in the amount of {$1300.00} on XX/XX/XXXX by there client XXXX. 


I CONTACTED ERC on XX/XX/XXXX and ERC Agreed to summit deletion request with all credit bureaus involved. ERC sent a letter via email stating the account will be removed with a confirmation number for the deletion XXXX As of XX/XX/XXXX ERC continues to report false and inaccurate information onto my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX and they provided a letter. They stated that they do not have any information on me that should be reported, as they are aware that it is past the Fair Reporting Act limitations of 7 years. The reporting agencies state that US Department is still reporting and but the US Department of Education states they are not reporting. Anyway, although this account was paid in XXXX. The loan was delinquent in XXXX and closed at that time.
Product: Bank account or service

I was at the hospital on XXXX/XXXX/15. I knew I had a check still out for XXXX. I had a check that needed deposited but didnt think I would be done in time to get it there. I called Regions bank and they assured me that my account was not in overdraft and looked fine. There would not be an issue. This morning I woke up to XXXX worth of OD fees charged to my account. When I called and spoke with them they said that they couldnt see the checks coming through. I then asked why did they clear first if they were the last things to show up? She said they pay the higher amounts first and it trickles down. I explained that I was told yesterday bu XXXX that my account was fine. She said I was the only one who knew about the checks and there was nothing they could do. I have a real problem since I had money that could have been deposited to avoid this but I was told it would be ok. Also, because the checks coming through that werent seen were paid first. If they had gone in the order they received them I may not be so upset over the XXXX check fee but this is ridiculous. They say its ok and process however it profits them. I understand they are a business but they are a crooked practice that is unwilling to work with a customer that has been with them for year.
Product: Debt collection

I contacted IQ Data in XXXX. I have been paying my debt both to country and private individuals to include IQ Data. Representative XXXX XXXX and I agreed to a monthly payment in the amount of {$340.00}. This amount was agreed to be deposited on the XXXX of every month. I paid {$340.00} on XX/XX/2019 and {$340.00} on XX/XX/2019. I spoke with XXXX XXXX on XX/XX/2019 in regards to a settlement. The recorded conversation will note that I stated I would contact him if I could pay the settlement of {$1000.00}. I did not contact XXXX XXXX. Therefore, indicating I could not afford it. On XX/XX/2019, IQ Data withdrew {$1000.00}. I called IQ Data and the information given in their defense is false and inaccurate. If the line is recorded, then they will know I did not agree to settle on XX/XX/2019. IQ Data states that they tried to contact me on several occasions on the date of XX/XX/2019 to verify if I could commit to settlement. I have a phone log that states I received no call. IQ Data stated that they left me several voice mails. My inbox states otherwise as my voicemails are forwarded and can not be deleted due to company IT regulations. This company is why people dont pay debt. They are building a defense with no credible information. I request the recorded conversations to be sent to me. If I am wrong I will pay {$1000.00}. I am most certain this is harassment and falsely using information. You will see in attached documents that voicemails have been logged. There is a deleted folder that can not be deleted due to company IT restrictions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XX/XX/year> XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account** Dear XXXX XXXX XXXX I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. 

I have reviewed my credit report and noticed that your company is reporting a collection account that I believe to be inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting " Proper Validation and Proof of Claim '' as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. To assist you in meeting this request, please provide the following documentation : XXXX. A copy of the original contract or agreement under which the debt arose. 
XXXX. A detailed account statement showing the amount of the debt, including any fees or interest. 
XXXX. The Date of Last Activity on the account. 
XXXX. Full, accurate identification ( e.g., my Social Security XXXX ) that XXXX help to identify me as the correct person you are attempting to collect from. 
XXXX. Documentation confirming that you have the legal right to collect this debt. 
XXXX. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : XXXX. Immediately cease reporting the collection account associated with my name. 
XXXX. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies, or provide the requested validation. 

Please understand that failure to comply with this request XXXX result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. 

Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX.