23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$3100.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is THE FOLLOWING ACCOUNTS HAVE NEVER SENT REQUESTED LEGAL DOCUMENTATION THAT I NEED FOR MY PERSONAL REVIEW : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all of them were required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, they failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) they failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation these third party collectors are held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. none has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX provided my personal information to a third party without written or verbal consent. They sent my information to CMRE collection agency. They are in violation of XXXX laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received an alert on my credit and it appeared to be an account I was unaware of. I am sending this message in regards to the account showing that I opened up a new account on XXXX XXXX, XXXX. It is impossible to place an account on my credit file, it is a fraudulent action by your company. I was never contacted by anyone nor did I allow anyone to use my credit without my consent. Now I am seeking a civil case towards your company including XXXX. I did not apply for new credit. It is impossible to own an account after a month so you can remove this account for good. I do n't have any clue where this account came from. You are committing a fraudulent crime. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled with the company cbcinnovis two times XX/XX/19 and XX/XX/19, the company that they work for is XXXX credit union which informed me that my credit wasnt pulled but it was pulled. There was no need for the company to have pulled my credit two times back to back and when I asked to have them removed I spoke to a very rude woman that works for cbcinnovis who was not helping me at all. I have never delt with this company and would never want to, I would just like for the inquiries to be remove and an apology for the rudeness by the employee.
Product: Debt collection

I have an alleged collection on my credit report from Capitol One Bank from XX/XX/2018and it is mark as a derogatory mark but I have Never ever in my life banked with them and do not know why this is on my account? They have an alleged collections on there for {$520.00} dollars but I have never opened an checking or credit banking account with them At All. I do not know if I have been a victim of Identity Theft or what but I know for a fact that I have not tried to bank with them nor have i ever and would please like this removed from my account because it is hurting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX 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 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 in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to an error on your Macy 's website account login I resulted harmed in my credit report and I seek a correction. 

Please read below. 

When I signed to a new credit card XXXX XXXX ending in XXXX, I had to add the card to my Macy s account online by entering the : CARD NUMBER / NAME AS IT APPEARS ON YOUR CARD / SECURITY CODE / LAST 4 DIGITS OF THE PRIMARY CARDHOLDER S SSN. 

That is why I did but I could never activate the credit card due to an error in the information provided ... this delayed me the process of paying the credit card as you will see further on. 

The problem is that the website asks for THE NAME AS IT APPEARS ON YOUR CARD. The name that appears in my card XXXX XXXX is XXXX XXXX, which is different from the name which I was supposed to provide XXXX " A '' XXXX XXXX customer support explained my name was supposed to be different ). Why should I have provided XXXX " XXXX '' XXXX? If that is not the name that appears on the XXXX credit card? 

Now, if you ask me to input the name as it appears on my credit card, I will do it. Right? Why should I enter a different name? 

This mistake from your end led me to not activate the credit card and have an unpaid balance of {$87.00} dollars which I carried for over 90 days and resulted in you reporting to the credit report bureau. 

I called to explain this situation to Customer Service but they replied they can not do nothing about it and they could not care less. 

But now I am seeking to get a mortgage for my first home and this mistake from Macy 's end is jeopardizing my future. This is not fair. 

I am a good customer of XXXX, always buy some XXXX XXXX pants only in Macy 's and now shirts to go to work. Why should I get criminalized from a mistake on your end? 

This is not fair. This is not an I forgot to pay. This is an inability from Macy 's end to add an additional card with the proper name. 

This is one of those errors which need to be fixed from Macy 's end.
Product: Checking or savings account

My aunt went into the hospital due to a major XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX a fraudulent check was written and cashed in her name for {$38000.00}. Once this was discovered by my aunt through her monthly checking statement she followed all of the protocols required by the bank to have the money reimbursed. On XXXX, XXXX, XXXX PNC Bank reimbursed {$28000.00} of the stolen money. As of this date, XX/XX/XXXX the remaining {$10000.00} has yet to be put back into the account. My aunt passed on XX/XX/XXXX without this being resolved. She put me on her checking account before she passed. I am now taking care of the bills for her home and attempting to get the process started to become executor of her estate which this money would allow me to cover the court filing fees which I can not currently afford. This money is important to me moving forward with handling the business I need to take care of. My most recent correspondence with this situation has been with a follow up call from their fraud investigator saying that their back office was looking into the matter on XX/XX/XXXX. I only receive follow up calls once I take the initiative to reach out to them. I need this money put back into the account immediately.
Product: Credit card or prepaid card

I moved and was not receiving my forwarding mail and my bank account was hacked through XXXX and I was issued a new card as a result the bill went unpaid. I tried to resolve the issue directly with discover but the account was already closed out and I was unable to go through them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a debt that is not mine. I recently checked my credit file and noticed this debt reporting on there. It looks like they are trying to collect for Citibank? I have never had an account with Citibank for as long as I've been alive. This account must be fraudulent and I have filed a police report for this account. I ask that during this investigation period XXXX XXXX remove all negative reporting from my credit file and such deletion letter will be provided to me. XXXX unvalidated debt on credit could constitute fraud under both federal and state laws so I ask that XXXX XXXX remove this account immediately.
Product: Debt collection

On XX/XX/2020 I received a phone call from Kingston Data Credit International saying I owed a gym membership which I cancelled via certified letter. I was told by the collection company that I needed to pay {$170.00} or that the company is going to report this to my credit report I even have a voicemail from a woman saying the same thing. I have received no letter from this company or correspondence from this company.
Product: Debt collection

I HAVE CONTACTED THE ORIGINAL CREDIT AND THE COLLECTION AGENCY FOR PROOF OF SERVICE FOR THIS MEDICAL BILL. I WAS PROMISED TO HAVE IT RESEARCHED AND TO RECEIVE IT VIA MAIL. NO ONE CAN TELL ME WHAT THE BILL IS FOR, WHEN SERVICES WERE PROVIDED, AND WHO WAS THE PHYSICIAN. I AM ASSUMING THE RECORDS DO NOT EXIST.
Product: Checking or savings account

I requested my on-line saving account at PENFED Credit Union , with a balance of about {$150000.00}, to be close on XX/XX/2023. I also requested the account balance ( ~ {$150000.00} ) be sent to me via check, since they indicated a sum of that amount could not be issued to me via an electronic transfer. Note I had used electronic transfers to and from PenFed and my accounts at my primary banks. I have contacted PenFed via phone to ascertain where and when the balance will be issued a number times without any definite explanation from them. The only response has been we are looking at it and will get back to me by phone. No followup phone calls have been received from PenFed as of today. I have contacted them over XXXX times including today, with same response.
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ).

1. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. The following personal information is incorrect Account Number : Former : XXXX XXXX Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ..promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XX/XX/year> ADDRESS : XXXX XXXX CT, XXXX, GA XXXX TO WHOM IT XXXX CONCERN, THIS IS ABOUT THE INACCURACY THAT IS INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND MY FAMILY AND I HAVE BEEN FACING FINANCIAL HARDSHIP. 


ACCORDING TO XXXX XXXX XXXX ( A ) ( XXXX ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS. 


THERE IS NO SUCH LAW THAT STATES ANYTHING THAT NEEDS TO BE REPORTED TO A CONSUMER REPORTING AGENCY. THEREFORE, YOUR ORGANIZATION IS LIABLE. 

PURSUANT TO XXXX XXXX XXXX ( A ) ( XXXX ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 

XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

THIS IS ALSO VIOLATING THE IRS CODE FOR DISCHARGED AND CHARGE OFF DEBTS. ONCE THE DEBT IS IN THE CHARGE OFF STATUS IT AUTOMATICALLY BECOMES INCOME FOR THE CONSUMER AND IT IS UNLAWFUL TO REPORT INCOME TO CONSUMER REPORTS. 

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY. 

I AM DEMANDING YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAIL OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETER THE TRANSACTION TOOK PLACE OR NOT. 

PURSUANT TO XXXX XXXX XXXX ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND THE DELETION OF THE FOLLOWING ; XXXX CREDIT XXXX BANK XXXX XXXX. XXXX BANK XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX THANK YOU FOR YOUR COOPERATION. 

SINCERELY, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you to request the immediate blocking and deletion of certain accounts and inquiries on my credit file, as I am a victim of a data breach and identity theft. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to maintain its accuracy.

Please remove the following accounts from my credit file : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$48000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1600.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$380.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$840.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2800.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I hope that this message finds you well. I am a consumer let me first start there. This company that I make this complaint against has used my report inaccurately and unlawfully. According to 15 USC 1681e these companies should make sure that are not in violation of 15 USC 1681c which discusses and states that the only reason any information should be furnished on an account is because of federal judgments or if permission was granted. COVID-19 set alot of people back including myself having to walk away from the industry. Now I was checking my credit report on yesterday and I noticed that XXXX XXXX  is reporting multiple late payments and this reporting agency is allowing the furnishing of such information after I asked for accommodations under the CARES ACT which states that information is supposed to show as current and never late. If I may add further to that. There are laws that have and are still currently in place that state that open transactions should not be reported and that also written consent must be given by the consumer which is me to furnish such information and looking at the consumer report the information is incomplete and inaccurate. This is aggravated theft and I am demanding that this account be removed due to the multiple law violations that this reporting agency has broken. This has caused significant trauma. Please allow me to be CLEAR. I am not looking for VERIFIED nor am I looking for those spam like messages that state that we are required to report which is not true by the way. I just provided the law that CONGRESS placed not your policies. I want the account removed or I reserve the right to get the allotted amounted for each violation.
Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect or delete off my credit report account. Axcess financial, XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX
Product: Student loan

I would like to consolidate my loans but I keep getting some outrageous amount that already more than my debt itself
Product: Student loan

Current cosigner for a XXXX loan now serviced through UAS. 

Original loans totaled $ XXXX, paid loan amounts down ( to roughly $ XXXX ) prior to the loan converting from interest only payments to principal & interest payment. 
Received monthly payment amount based on full borrowed amount of $ XXXX. 
Called UAS spoke with XXXX on XX/XX/21 asking to re-amoritize the loan for which he stated he would do. 
No change to billing statement called on XX/XX/21 spoke with XXXX XXXX who state she sent email to a higher representative that would get back to me via email in few days. 
No response or email, called again XX/XX/21 spoke with XXXX XXXX who stated prior contact person doesn't work with them any longer. She stated she would escalate. 
No response so called again on XX/XX/21 ( 4th call ) and spoke with XXXX XXXX ( who stated my call was escalated to him and he would email me so I could receive updates or reach back out to him. 
Emailed XXXX XXXX twice in XXXX without any reply. 
Called again XX/XX/21 spoke with XXXX XXXX she said XXXX wasn't in and she would leave him a message. 7 months later STILL NO RESPONSE- DEPLORABLE TREATMENT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report and I have not received any investigation results.