23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Conserve I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting

XXXX XXXX XXXX said that they requested for this account to be removed because it was not my responsibility to pay. Medicaid said they are the ones who have to take care of this account.
Product: Debt collection

Convergent has re-aged an account that was held in collections with XXXX by having it listed as being originally opened in XXXX XXXX instead of XXXX XXXX. This was intentionally done to negatively impact my credit and according to the FCRA is illegal. I have submitted both credit reports as proof.
Product: Payday loan, title loan, or personal loan

Cash central an online lending company. 
Gave a Loan to someone with similar names or possible identity theft related. 
For the amount of {$5100.00} Send me to collections for this amount Cash central use XXXX XXXX XXXX as their collection agency. 
I was finally contacted by XXXX XXXX XXXX I send proof of identity theft, police reports affidavit that they have the wrong person. On XX/XX/2017 I was told be XXXX XXXX XXXX that they were going to take care of the matter and that all paperwork that I have provided was sufficient.11 months after I now have to go back and deal with CASH CENTRAL. Because they have reported me delinquent an try to ruin my credit. 
I have all paperwork they have requested Yet I have no answers to solve this matter.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; XXXX INquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I took out the {$200.00} loan a few months ago. I mailed by last payment of {$260.00} priority mail on XXXX XXXX it was received into their post office box XXXX XXXX. I had a tracker. They say they cant find it and to wait 14 days. It has been 14 days abd no one will help to find my payment. I have a copy of my money order and priority mail receipt. Please please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice numerous unauthorized or fraudulent inquiries and accounts on my credit report. XXXX XXXX XXXX attempting to purchase a home. Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account.
Product: Debt collection

I have sent several certified letters to  XXXX ,   XXXX   and Equifax demanding that this item be deleted.  XXXX  deleted the item and should have reported the results to  XXXX  as well as Equifax. All credit bureaus except for  XXXX  are still reporting this item on my consumer credit report.     Dates :  XXXX / XXXX /  XXXX    Amount  : {$520.00} Actions taken by me : Sent letters demanding that item is deleted from my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX this letter was sent to CFPB to have the creditor correct the errors on my credit report. After 30 calendar days the creditor has not responded. Prior to i faxed the mentioned creditor on XX/XX/XXXX and no response was noted. The creditor has not responded to any correspondence to have account removed as stated when the payment in full was taken.This letter is in regard to XXXX XXXX XXXX Account referencing the debt that was paid in full and I to paid the full amount in exchange for the following through correspondence with your customer service representatives. Your agreement was to accept the payment as payment in full. This payment was not be noted as a paid collection or a settled account. Your agreement was to remove any and all records of this account from all credit bureau reports. Upon receipt of a signed agreement to these terms, The amount was paid and accepted by your company. According to the Fair Credit Collection Practices Act, I have a right to dispute this debt if deemed necessary. If you do not respond to this letter within 15 calendar days, you can expect me to reach out for further clarification of this issue.Thank you in advance for your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), in relation to the reinvestigation of my credit report. 

The violation happened on the following accounts : XXXX XXXX | Acct # XXXX XXXX. Violation of 15 U.S.C. 1681e ( b ) Accuracy of Credit Reporting As per 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the accuracy and integrity of the information you report in my credit file. I have identified significant inaccuracies on my credit report, and upon disputing the errors, I found that you did not take sufficient or reasonable steps to ensure the information was properly investigated, verified, or corrected. This failure to ensure accurate reporting constitutes a violation of my rights under this section of the FCRA. 

2. Violation of 15 U.S.C. 1681i ( a ) Inadequate Reinvestigation Under 15 U.S.C. 1681i ( a ), when a consumer disputes any information on their credit report, the credit bureau is required to conduct a reasonable reinvestigation of the disputed information within 30 days of receiving the dispute. However, I have submitted disputes regarding inaccuracies in my credit report, and after reviewing the results of your investigation, it is clear that you failed to conduct a proper and thorough reinvestigation of the disputed information. You did not verify the accuracy of the items in question, and as a result, the errors on my credit report were not corrected. 

This failure to conduct a reasonable investigation, as well as your failure to properly verify the disputed information, is a violation of my rights under the FCRA. Additionally, you have not provided me with the necessary documentation or evidence that supports the information currently being reported.
Product: Credit card or prepaid card

On XX/XX/XXXX, I logged in to review and pay my bill and noticed that I had several charges ( unauthorized ) that I had not made ( see below ) : Date Reference Number Purchase Amount 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 I knew the charges were not mine because I was XXXX XXXX XXXX XXXX  XXXX  ) and had not left my house since XX/XX/XXXX. The charges were made XX/XX/XXXX and XXXX. I immediately contacted the XXXX number on the website for assistance and was told to download the fraud affidavit from the website, which I completed and returned for ALL the charges. I have never had excessive charges such as these in any time frame, let alone in 48 hours, especially considering the card limit is {$300.00}. Over {$350.00} of charges were made in 2 days. I have had this card since XXXX and not once has my balance EVER exceeded my limit of {$300.00}. In fact, I regularly pay off my account. 

On XX/XX/XXXX, I received a letter stating that the results of the investigation concluded that since I was in possession of the card at the time of the " alleged fraud '', the charges were deemed to be mine. Really??? I've been a victim to credit/bank  fraud before and never have I been told that because I had the card in my possession, I made the charges. 
I know for a fact that your credit card number can be obtained many ways while you have the card. In fact, I was told by a fraud investigator at XXXX, when I had fraud on my XXXX XXXX, this happens, a lot! 

I am preparing to file a police report with the local police. Additonally, I will be sending letters to XXXX XXXX XXXX ( who owns XXXX XXXX XXXX XXXX I have already sent a letter to XXXX XXXX XXXX ( issuer of the card ) I absolutely REJECT the findings of the fraud investigation that I am liable for the fraudulent charges made XX/XX/XXXX and XXXX, totaling {$350.00}. Additionally, I wish to have all late fees, over limit fees, and any other nonstandard monthly or yearly fees removed from this account and that my account balance be restored back to balance ( less any payments I have made ) it was prior to these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts XXXX XXXX XXXX {$1500.00}, XXXX XXXX {$130.00}, and XXXX {$1300.00}, I have no contact with these companies whatsoever. And I'm demanding the orginal physical documents be produced to both me the consumer and to each credit bureau. If this is not obliged within a fashionable time frame, I'm demanding that these accounts be removed and blocked from my credit report immediately.
Product: Checking or savings account

My direct deposit was sent to my account from my place of employment on XX/XX/XXXX capital one advised they were having issues due to technical issues and would be resolved by this morning. 
my deposit is not there. all i am being told they are working on it to be patient. capital one does not direct deposit on Saturday. Monday XX/XX/XXXX is a holiday. 
this is my only source of income. 
when asked what happens if my money is not there. was told they will do an investigation
Product: Credit reporting, credit repair services, 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 : DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX 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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX  XX/XX/year>
Product: Debt collection

Even after I had verbally stated for this company to stop calling me, they continued to harass me. They have threatened to take legal action on more than XXXX occasions and have been pushy about me giving them a post dated check for the full amount of the debt.
Product: Checking or savings account

In XX/XX/XXXX I noticed an {$16.00} XXXX transaction on my Wells Fargo account that I realized was recurring monthly since XXXX. I had previously assumed that these transactions started after my student account expired, but after some research I realized that these transactions were fraudulent and totaled over {$700.00} over 4+ years. 

After doing some research I learned that in XXXX, many Wells Fargo Accounts in the XXXX, Virginia area were hacked and charged with fake XXXX transactions. XXXX XXXX XXXX ' Two points to make before getting to my actual complaint is that 1 ) the fake XXXX charges XXXX my account are written differently than real XXXX charges ( I've since discovered ), and 2 ) at the time Wells Fargo said that this was not a data breach and that " we are working directly with any Wells Fargo customers who were impacted. '' My complaint is that Wells Fargo was aware that there was a subset of its accounts that were impacted by a specific kind of fraud ( ongoing fake XXXX charges ) in XXXX and did not 1 ) inform the relevant consumer base to be on the lookout for this kind of transaction which could easily be mistaken for recurring XXXX charges, or 2 ) do anything to prevent these fraudulent charges once it had been made aware that this was a systematic issue facing many customers. Since the fake XXXX charges are written differently than real transactions, they could have easily stopped any future fraud by filtering out these fake charges. 

In addition, I noticed the fake transactions on my account because they were using a card that I had not activated yet. So I suspect this was in fact a data breach despite what the spokesperson has said. 

Wells Fargo has denied my claim for reimbursement.
Product: Credit reporting or other personal consumer reports

There is a XXXX reporting on my credit report, These XXXX is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! How can you it was verified? I am telling you that these XXXX are not mine! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased furniture in XXXX from XXXX XXXX, and XXXX XXXX  help with a loan. I made on-time monthly payments until XX/XX/XXXX, when suddenly the account was closed because my credit score went down. 
I called the servicer. I asked them why they closed an account with good payment history. 
The customer service person told me they closed it due to my credit score being low. 
I could no longer make payments on a closed account. 
I see on my credit report the account still shows as a collection with a balance of {$2000.00}, I called them to pay on that due account and they said they can not find the account, or me owning anything. 
I am attaching a recent credit report taken by a HUD XXXX XXXX and the account shows as {$2000.00} unpaid balance ; however, also attached a credit report from XX/XX/XXXX where the same account shows a balance of {$1500.00} and a note on the account that says payed on time never late. 
I want to have this account removed form the report or at least not shown with a balance due. 
I am trying to purchase a home and this account is not allowing me to secured a mortgage.
Product: Mortgage

On XX/XX/2020 I sent a certified registered letter to my mortgage company requesting 180 days of forbearance and they completely ignored my request claiming they never received such a request which I know they did because I had the signed receipt from the postal service. I was waiting to hear from them for 2 months and they had my current email, home address in Hawaii and phone number but they chose to send late notices to the mortgaged home knowing I wasnt going to receive these notices. My daughter had just so happened to pick up the mail and thats when I was aware they had ignored my request for forbearance and were reporting to my credit agencies that I was 60 days late and then I get a call from the VA inquiring about my non payment and I immediately paid my loan up to date to avoid getting foreclosed on. When I contacted Shellpoint Mortgage to find out why they didnt contact me via email, phone or mail at my current address and why they had ruined my credit for not granting me the forbearance request they responded that they never received my request and when I asked them to reverse the 60 day late reports they refused. I then filed a complaint and sent the signed receipt from the registered, certified letter requesting forbearance and I am still waiting for them to correct this.
Product: Credit card

Dear CFPB, I am writing to file a complaint against American Express regarding a serious issue where my accounts were mistakenly linked with another customer 's account, resulting in my financial assets being redeemed by someone else and denial of new account applications. Despite multiple attempts to resolve this, American Express has failed to correct the error.

The key details are as follows : ( 1 ) I have only had two Amex credit card accounts active since XXXX, which I will refer to as Account A and Account B. These are the only two Amex accounts associated with my SSN that have ever appeared on my credit report since XXXX. 

( 2 ) In XXXX, I discovered that over XXXX of my AmEx Membership Rewards points ( worth over {$1000.00} ) had been redeemed through an account I did not recognize ( let 's call it Account C ).

( 3 ) AmEx initially claimed Account C was linked to my profile, admitted their mistake in linking it incorrectly, unlinked it, and returned my redeemed points. I thought the issue was resolved. 

( 4 ) In XX/XX/XXXX, when I applied for the AmEx XXXX card, my application was rejected due to AmEx 's record showing a returned payment in the past 30 days associated with Account C.

( 5 ) Despite providing evidence that I only have legitimate Accounts A and B in my name and SSN with no missed payments, Amex has refused to permanently correct their records. I have received a letter from their fraud department rejecting my claim under the mistaken belief that I am liable for Account C simply because it was ( incorrectly ) linked to my profile previously. 

This error by Amex has put my financial standing at risk through no fault of my own and continues to impact my ability to access their products and services. I have made numerous attempts to resolve this internally, but Amex is unwilling to fully rectify the situation. 

As evidence, I can provide my credit reports showing only Accounts A and B belonging to me, the rejection letter citing returned payment, point activities ( as proof that my rewards were redeemed through Account C ), and Amex 's letter rejecting my claim.

I am hoping the CFPB can intervene and compel Amex to permanently decouple Account C from my profile to prevent any further negative impacts. This linking error is unacceptable and Amex 's lack of action to fully resolve it is concerning.

Thank you for your attention to this matter. Please let me know if you require any additional details or documentation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX - Around XXXX I checked an old email account. I received XXXX emails : XXXX at XXXX stating " a user ID was created and associated with your account ( XXXX ) on : Date : XX/XX/XXXX XXXX XXXX ET " with Truist Bank ; XXXX XXXX at XXXX with new account summary information regarding my new accounts : Truist XXXX Checking # # # # and Truist XXXX Savings # # # #. 

I called the financial institution 's hotline and was transferred to an automated answering system. I decided to look up the nearest Truist Bank. At the time, I had never heard of Truist Bank. I then went to the nearest Truist Bank and explained the situation. They confirmed that a checking and savings account had been opened in my name. I then spoke with an account XXXX who confirmed that the XXXX accounts had been opened using my name, birth date, social security number, old mailing address and a rarely used email account. He was able to confirm that the accounts were opened online in the state of Tennessee. He closed the accounts and advised me to call XXXX, XXXX and XXXX to freeze all accounts. I have since contacted all bureaus and requested hard copies of my credit report from XXXX of the XXXX agencies. I have also begun calling all open lines of credit to inform them of the situation and have requested all new cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent over an hour trying to access my account to thaw my credit freeze. The website does not work. I have tried signing in with different emails, different passwords 6 or so times. I have tried Account recovery over 8 times and I get an error every time. I tried making a new account incase I didn't have one before and inadvertently signed up for a second Equifax product. Looking online incase there was an issue with my computer showed that this is typical Equifax behavior.