23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I discovered an unknown medical account dating back from XX/XX/XXXX on my XXXX credit report so I filed a proper dispute with XXXX by way of certified mail as they are the only credit reporting agency that is reporting this unknown medical account. The certified letter was sent on XX/XX/XXXX XXXX received it on XX/XX/XXXX and I received their response on XX/XX/XXXX XXXX said that Illinois Collection Service Inc. had verified the account and if I had any other questions concerning the account I should contact the collection agency. I sent Illinois Collection Service Inc. a letter by certified mail on XX/XX/XXXX which they received on XX/XX/XXXX asking them for validation of the account but I have never heard anything back from them. I sent another dispute letter certified mail to XXXX on XX/XX/XXXX stating that Illinois Collection Service Inc. had not responded to my validation request and has provided no verification of any kind for this account. I also included in the second dispute letter to Experian a copy of the letter I sent Illinois Collection Service Inc. and proof of their having received it. The second dispute letter sent to XXXX asked that the aforementioned unknown medical account be removed from my credit report due to Illinois Collection Service Inc. 's failure to provide any validation of the account what so ever, this letter was received by them on XX/XX/XXXX. I then checked my XXXX credit report on Friday XX/XX/XXXX and discovered that this unknown medical account was still reporting with these new statements included, " Reinvestigation information this item remained unchanged from our processing of your dispute in XX/XX/XXXX '', and this " Collection as of XX/XX/XXXX ''. Illinois Collection Service has not only continued to report this unknown medical account even after my request for verification, validation and their refusal to to supply any information at all to validate this account but they have evened updated the account to XXXX of this year.
Product: Debt collection

XXXX XXXX located in XXXX, WA claims that I owe a debt of {$120.00}, and the original debtor is XXXX. I sent a letter of dispute via certified mail to Convergent on XX/XX/2018, it was signed for on XX/XX/2018. I requested that this debt be validated by way of a legally binding contract bearing my signature. Convergent responded claiming that the debt is verified, and sent a phone bill. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does NOT constitute verification. 
I sent a second letter via certified mail, which was received and signed for on XX/XX/2018. Today is XX/XX/2018, and Convergent still has not responded with competent evidence BEARING MY SIGNATURE. This is a violation of FCRA & FDCPA. It is evident that this company can not validate the alleged debt, and therefore the entry needs to be requested for deletion by the credit agencies.
Product: Checking or savings account

Hi, I requested from Wells Fargo a reissue check for a bouncing a check plus cost and fess on my bluevine business checking account. 
Thanks, XXXX XXXX P : XXXX XXXX
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Chapter XXXX Bankruptcy 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 has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

all 3 CRA reporting account of public records outdated reporting SINCE 2011, not my account/ never file bankruptcy, incorrect " XXXX '' data and violates FCRA provision 605,607,611 and 623a
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$730.00} U S DEPT OF EDXXXX XXXX XXXX Creditor : XXXX  XXXX  ) XXXX Balance : {$1700.00} U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX  XXXX Balance : {$2300.00} USDOE/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$1200.00}, {$4400.00}, {$5800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.
Product: Debt collection

Hi I am contacting your company because I am a victim of identity theft and these companies are trying to hold me responsible for debt that I didn't not make nor did I have knowledge of. My ex husband that was deported XXXX XXXX used my information as well as my sons to open back accounts as well as credit accounts. I have contacted the companies several times trying to fix this but they refused to do anything. I am a XXXX mother of one and I don't want to be responsible for debt that I did not make. I have filed police reports and my ex husband was XXXX for stealing not only my sons and my identity but also a few other people. I am asking you to please make this company remove these fraudulent accounts because they are not mine and I did not profit off whatever it is that was gotten and these account do not belong to me and are 100 percent fraudulent. Here are a list of the accounts that I am disputing Equifax keeps re reporting fraudulent information and I keep telling them that that these accounts are fraudulent and I would like them removed from my credit report at once XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$420.00} XXXX  reported XX/XX/XXXX These are all fraudulent and I want them removed at once I'm including police report and can also provide deportation information if needed this man stole my identity and I want this removed off my credit report for good. 
If there are any questions feel free to contact me.
Product: Debt collection

Child support debt that was paid in full over 10 years ago and the account shows paid as agreed. Both are the same debt but shows different on the credit reporting reporting sites. 

XXXX XXXX XXXX  Account XXXX Florida Dept of revenue Account XXXX XXXXXXXX
Product: Mortgage

I have a 3rd party person to talk for me. When she try 's to do so the mortgage co. tells her that they have to down load the paper work she has sent them. They told her that they are still doing work from XXXX/XXXX/XXXX she sent the paper work on XXXX/XXXX/XXXX. The last time she spoke to them they said they had the paper work but ca n't talk to her till it is down loaded my sale date is XXXX/XXXX/XXXX by the time they get it down loaded there will not be much time to try to stop the sale of my home. I do n't understand why down loading paper work should take so long with the technology of today it should take a few days and not weeks to get it done.
Product: Vehicle loan or lease

This company never responded to a Letter of Demand in regards to a Class Action Settlement against Santander Consumer USA Inc. They are trying to repossess my car during a pandemic and when they have agreed to forgive consumers loans and present them with the title for giving us predatory subprime auto loans. I have filed complaints with multiple agencies and they have not responded to me. When they finally did respond in my last complaint they outright lied that they never received my letter of demand and it has been over 2 months since I sent that. There response is that they can not tell me my " internal customer number '' which is how they determined my interest rate that is insurmountable for an ordinary person with ordinary wages. They never verified my income and gave me an outlandish interest rate that has put me in default 3 different times over the last 2 years I have been in the loan. This class action lawsuit that they settled out of court for {$550.00} XXXX was suppose to remedy this ridiculous and predatory loan. They were expecting me to default because the amount has left me unable to eat, pay rent, or other necessities. On top of this they have negatively reported on my credit many times this year ( during a worldwide pandemic ). I am 99 % certain I am eligible for the settlement remedy which includes forgiving the remainder of my loan, relinquishing the title to the car, and removal of negative credit ratings from the company as they have done multiple times in one month ( I will add documents for proof of my claims ). Thats the difference between me and this company, I have the burden of proof that they have taken advantage of me as a consumer and they need to do what is right as I am intending to sue them for damages if they repossess this car that is not theirs anymore according to the settlement agreement. I don't believe that you all closed my case without them presenting any proof of their claims whereas I have provided proof and my comprehensive explanation. They are a scam company that takes advantage of consumers and then wants to take away their cars whenever they can't pay because they created an impossible interest rate and ridiculous terms.
Product: Credit reporting or other personal consumer reports

I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft.

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by XXXX XXXX. 
The account appears on my credit report with a balance of {$650.00}. that I did not incur. 
I first became aware of this fraudulent account on XXXX. XXXX. XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at IdentityTheft.gov, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( Experian, XXXX, and XXXX ) to place a fraud alert on my credit file. 
I have reached out to XXXX XXXX to dispute the fraudulent account, but they have not resolved the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that i have multiple credit inquires which i never inquired about. I called the companies and they dont have any idea on how my credit was pulled. 


1. XXXX/XXXX  - XX/XX/XXXX 2. Brclysbankde - XX/XX/XXXX 3. Brclysbankde - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX these are the hard inquires that were pulled from my credit report that i never gave permission to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the fair Credit Reporting Act XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reporting to TransUnion XXXX XXXX, XXXX XXXX XXXX has reported fraudulent information to my credit report since XXXX Formerly known as XXXX XXXX XXXX committed illegal activity with illegal repossession and continued to collect payments. Account has not been removed from credit reports with incorrect report information according to FCRA section 609, 611 and 623.

( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer.

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

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. These items ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) is inaccurate because I never established a debt with these companies. I am requesting that the items be deleted. Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such a Please reinvestigate this these matters and delete the disputed items as soon as possible. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account showing on my credit files from XXXX XXXX ( Account number listed : XXXX ) I have never had an account with XXXX XXXX. This is a fraudulent account opened by someone using my identification. 

The loan shows that it was opened in XXXX of 2018 and no payments were ever made on it. 

I have disputed this with all three bureaus and it remains on my account. I have contacted XXXX XXXX for their dispute process. They agreed to send me information to start a fraud investigation. I have not received it.
Product: Checking or savings account

I was a victim of fraud and identity theft. The company and person that was part of the scam and fraud caused me and other victims to have their money submitted and used for a business transaction. The person was my online boyfriend but also a business associate for an investment. The online boyfriend was not real but a scammer who defrauded other victims to. I filed an identity theft report as my personal information and identity had been compromised. I was frauded for over {$40000.00}. I attempted to file a chargeback dispute and submit my identity theft report with Cash App and the advocate refused to allow me to do so. I also tried to submit my identity report with CashApp and they refused to accept it from me and require the police department to so. I asked the police and they recommended I submit it because they are not required to. 
Cash App is in violation of the transaction banking act and refusal to do an investigation and accept my identity theft report and the Fair Credit Reporting Act as required by federal law. I am a victim of a scam and CashApp is required to follow procedures and allow a chargeback of all her transactions. 
Cash App has all of my information on the chat log of all my disputes and stopped me from finishing because they did not want me to file a dispute.
Product: Credit reporting or other personal consumer reports

I used to live at an apartment house, address XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. I moved out of there in XXXX of XXXX. A CBNA Wayfair credit card was opened in my name from a person living at this address in XXXX of XXXX. It showed up in my credit report so I called them to report it as fraud in XXXX of XXXX. They dropped the case in XXXX of XXXX and sent all correspondence to the old address. Citbank seems to take no reponsibility for issuing a credit card to a complete stranger in my name. I need this removed from my credit report and history and they will not cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent in correct information to all credit agencies to have to update my addresses and remove any old addresses they XXXX have on my personal information still have not done so i need this cleaned up or i will file law suit
Product: Checking or savings account

Had a payday loan. It was paid off. The company tried to take more funds out my account. Made claim with Wells Fargo and they gave me a pending credit back for {$360.00}. Wells Fargo closed my claim bc I do n't have proof of paying them and they reversed the pending credit. So they put my account on the negative for almost {$400.00}!! I have talked to Wells Fargo, had reps hang up on me when I told them I wanted a name & number of somebody I can report this horrible bank crook bank to.
Product: Credit card or prepaid card

I purchased hearing aids about 2 years ago from an office that had a payment plan option. After several months, the office was taken over by new management, that did not offer a payment plan, so they enrolled me in an interest free payment plan that was not fully explained. I paid the minimum monthly amount plus {$100.00} for 18 months, fully expecting to pay off the cost of the hearing aids. On the XXXX month, I received a statement with over {$1100.00} in interest. I now learned that this was a " deferred '' interest plan and not interest free at all. If I had understood the terms, I what have insured that the total cost was completely paid off before the end of the deferred interest period. 


Attached is the statement that includes this deferred interest charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETE. The Equifax credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get deleted. 
XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have already filed a complaint with the three credit bureaus regarding inaccurate data on my credit report. The agencies did not respond to my complaint and accused me of using a third party to send the complaint. I want to clarify that I sent the complaint myself. Attached are my letters, along with my ID and FTC report.
Product: Debt collection

XXXX XXXX XXXX XXXX {$1200.00}. I have no knowledge of this account or company! Please show purchase agreement also show they are full owners of this debt! I request all documentation