23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am in receipt of United Revenue Corporations letter informing me that they are handling the collection of the account # XXXX for {$1900.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between United Revenue Corporations & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. 

I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate United Revenue Corporations claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and United Revenue Corporation continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in United Revenue Corporations letter, this is a " medical account ''. Therefore, this is a violation of my HIPPA.
Product: Credit reporting

There is an address on my equifax credit report where I have NEVER lived. 
How can I find out why this address is on my report?? 
It is a XXXX Illinois address and I have NEVER lived in XXXX Illinos or Illinois. 
Hope to hear something soon??? 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

On XX/XX/year>, I attempted to use a Capital One pre-approval to finance a vehicle from XXXX XXXX. However, Capital One later confirmed that no pre-approval was found under my name, meaning the dealership applied for financing on my behalf without my consent. 

The dealership misrepresented the loan terms and did not disclose the accurate APR before finalizing the contract. When I contacted Capital One to dispute this, they refused to investigate or adjust my APR, despite the dealerships fraudulent actions. 

I am requesting that Capital One review this loan for unauthorized financing, investigate the dealerships practices, and adjust my APR or allow me to refinance under fair terms. 

If no resolution is provided, I will escalate this complaint to the XXXX Attorney Generals Office and the Federal Trade Commission ( FTC ). 

This keeps it short, factual, and direct, while making it clear you expect action. Let me know if you need changes before submitting!
Product: Credit reporting or other personal consumer reports

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been with Capital one since XXXX. I have 10 accounts with them. I have recently been adding authorized users to my credit card starting in XXXX of XXXX to help friends and family build there credit which is well within my right. Capital one has constantly restricted my accounts for fraud. This card has been open for over 7 years and has never had problems until I have added authorized users. I have sent them all of the documents they have asked for and they still choose to close my account. They wont give me any information as to why after 7 years that my account is being flagged for fraud. They are not taking into consideration that I have been a customer for 11 years with no fraudulent activity. They made me verify the people that were added and than after verifying and reinstating my card a month later asked me to reverify the same people and than closed my account permanently saying that they couldn't verify them. These are real people, with real identification, and real social security cards. When they first asked for verification the friends and family were XXXX people. When there were issues with ID 's not scanning Capital one called back and let me know which ID 's had a shadow and the system would not pick it up. I was instructed to correct the issue and resubmit. They also called and let me know to have the cards resubmitted so that all four corners could be seen. This last time when I added my friend from XXXX they called back with no explanation and said that my account will be closed permanently due to a person that could not be verified. Seems really shady that the first time they were more than willing to offer information but did not want to offer anything and was real quick to close my account. This will drop my credit score at the time I am trying to get a mortgage for my first home. I have worked hard to get my credit where it is and I need my credit history, which can not happen over night.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX//2023 its been incorrectly reported that I owe a balance of {$67.00} to XXXX XXXX XXXX. I have never done buisness with XXXX XXXX XXXX. In the past nor in the present. I have no verbal or written agreements with XXXX XXXX XXXX whatsoever. Which has been stated to Transunion several times as this is an attempt to collect a fraudulent debt. No investigation has been conducted despite my request for valid verification by documents. This is a clear violation of my consumer rights under the FCRA 15 usc 1681. It has ruined my stellar credit caused me stress has me in a current state of XXXX.I would like this matter corrected immediately as it is damaging my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint to CFPB regarding inaccurate, unverifiable, and reporting practices by trans union, XXXX, and trans union 1. I have been in contact via certified mail since XX/XX/XXXX up until recent XX/XX/XXXX regarding inaccuracies of my credit report such as names, addresses, residents that are not mine or where I receive my mail. They have continuously ignored my request to update my name which XXXX XXXX XXXX and my mailing address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This has gone on for several months despite request cent by certified mail, and calling speaking to representatives. 
2. I have asked for method of validation for information reported which had not been produced. For instance, after months of asking since XX/XX/XXXX, XXXX XXXX XXXX has finally been deleted on XXXX, however it is still showing on the other two reports. 

3. There are other accounts reported inaccurately and according to FCRA accuracy and reporting of E-Oscar have created numerous metro 2 errors. I have sent numerous letters certified and they have ignored removing/deleting these errors. 
4. As a consumer involved in the equifax data breach, along with the three creditors my personal data has continuously been misrepresented on my credit reports and these addresses and incorrect information could put me in harms way to identity theft by these bureaus constantly reporting inaccuracies representational of my identity. 
5. As a result of Covid I am suppose to have free access to credit monitoring, and as a victim of identity theft. Experian will not allow me access to my updated reports every 7` days which was agreed upon as a victim of identity theft. They are soliciting me to pay 26 dollars and some change to access my lawful information, and blocked my access to monitor my credit of there constant mistakes.
Product: Credit card or prepaid card

According to the IRS " get my payment '' web portal, my government stimulus payment was deposited into my American Express Serve card account on XX/XX/2020. The ABA routing number and my account number listed for the transaction are both correct along with the deposit amount. My account does not have any information on this transaction and after calling American Express customer service, they claim no such transaction has occurred on my account. They were not willing to investigate my claim, they were extremely rude and unhelpful in handling this matter. In addition, I asked to be transfered to someone in a supervisory capacity and on 3 seperate phone calls, my call was transfered only to be left on hold and disconnected. I have been trying to resolve this issue since the problem was first discovered on XX/XX/2020 and my last call to them was on XX/XX/2020
Product: Credit reporting

I contacted the Bankruptcy court asking their method of verification and they responded saying they do not verify or validate any information to the credit bureaus. The credit bureau refuses to remove the information although they specifically told me they verify personally. This is a direct violation of my consumer rights and I would like the false information removed immediately from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to the website to try to update my information but their website declined to delete old information and update the new one.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2022 I had multiple autopay bills for credit cards due. The majority went through as usual with no error, but a bug with Avants banking system double billed me for two of these charges. 

The incorrect charges are as follows : XXXX XXXX - XXXX - double billed XXXX XXXX - XXXX - double billed I contacted Avant on the morning of XX/XX/XXXX by phone. The agent put the blame on XXXX XXXX and XXXX. If that is the case why has the issue never occurred before, and I have used the Avant banking product since it was named XXXX XXXX  close to launch. 

I contacted both XXXX and XXXX XXXX and they confirmed there is only one payment registered on their systems. I called back the Avant banking phone support line and they kept putting blame on the credit card issuers. I was emailed a dispute form and told that my funds wouldnt be returned for up to 45 days. This is unacceptable. 

In addition to these issues, Avant has not sent me a functional debit card after multiple attempts over a year or more to get one sent to my address. This company has no business running a banking product when their systems do not function correctly and they have next to nonexistent customer support.
Product: Vehicle loan or lease

multiple times account was supposed to be working with direct auto payment from our account but it does not. Then we get calls from an outside us call center. Reps are rude and hard to understand. Even when they call they actually sound like scam.and when you try to fix the issue they still treat you harshly. And after auditing the account I noted we have about 4 late fees that were attached. These late fees were also not explained and seem to come up under the original payment form. They add late fees without telling you.even though its their fault. Im seeking these late fee be refunded to us. And professional an courtesy when contacted.
Product: Credit reporting or other personal consumer reports

IN XXXX I WAS CONTACTED BY A EQUIFAX CREDIT BUREAU REGARDING A DATA BREACH AND WAS TOLD THAT MY PERSONAL INFORMATION INCLUDING NAME BIRTHDATE AND SOICAL SECURITY WAS COMPRIMISED. A FEW YEARS LATER I WAS RECIEVING EMAILS ON HOW TO PROCEED WITH A SETTLEMENT FROM EQUIFAX REGARDING THE DATA BREACH. AT THE INITIAL TIME THAT I WAS INFORMED OF THE DATA BREACH I CHECKED MY CREDIT REPORTS AND FOUND NO SUSPICIOUS ACTIVITY SO I ASSUMED EVERYTHING WAS FINE. BUT AS OF RECENTLY ( XX/XX/XXXX ) I HAVE COME TO FIND THAT MY INFORMATION HAS BEEN USED TO OBTAINED SEVERAL CREDIT CARDS IN MY NAME BUT WAS NOT MAILED TO MY RESIDENTIAL ADDRESS BUT WAS INSTEAD MAILED TO A DIFFRENT LOCATION. THE CULPRITS THEN MADE PAYMENTS ON THESE CARDS FOR A PERIOD OF TIME TO GAIN MORE CREDIT CARD FROM THESE CREDIT COMPANIES AND THEN MAXED THE CARDS OUT AND EVENTUAL STOPPED PAYING, I HAVE REACHED OUT TO THESE COMPANIES WIH LITTLE TO ANY RESULT BUT A FAMILY MEMBER INFORMED ME I SHOULD GO FILE A POLICE REPORT REGARDING EACH FRAUDULENT ACCOUNT ( WHICH I HAVE NOW DONE ) AND FILE A COMPLAINT AGAISNT THESE COMPANIES -XXXX XXXXXXXX ACTT # XXXX -BALANCE {$4800.00} IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX # XXXX BALANCE {$750.00} IS AFRAUDULENT ACCOUNT, XXXX. XXXX XXXX ACCT # XXXX BLANCE {$180.00} IS A FRAUDULENT ACCOUNT, THESE ACCOUNTS ARE AFFECTING MY ABILITY PURCHASE A HOME AND I NEED HELP.
Product: Credit card

Somebody called XXXX XXXX is using my credit and opened A lot of credit card
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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date XXXX Balance {$800.00} StatusAccount charged off. {$800.00} written off. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date XXXX Balance {$2400.00} StatusAccount charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance {$2500.00} StatusAccount charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX MORTGAGE Potentially negative Date openedXX/XX/XXXX Balance {$230000.00} StatusOpen. 
XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance {$0.00} StatusClosed. {$20000.00} written off. 
XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance {$1700.00} StatusOpen. 
XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance {$960.00} StatusCollection account. {$960.00} past due as of XX/XX/XXXX. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX , FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim to XXXX XXXX I am very limited on getting a XXXX XXXX due to my court foster care and adoption records being redacted and sealed I request permission from the current judge who only gave me a limited file with redacted information in reference to my XXXX  status I was told some information in my case could not be shared with me Senior Associate XXXX XXXX with Experian challenged every XXXX document i sent in she even went above and beyond to contact outside agencies in the letters I sent in to verify the validity of the documentation whereas she denied my block requests stating documentation is invalid I am truly a victim of XXXX XXXX and Im tired of crying out for help my ssn and name has and is continuing being used and shared by XXXX my credit file is destroyed I seeked help from Oklahoma Housing Authority for a section 8 voucher due to XXXX XXXX XXXX again in my adult years Im tired of running from XXXX XXXX XXXX Im just trying to get my life back!!! And the bureaus is no help!!!
Product: Mortgage

Nationstar acquired our mortgage from XXXX in XXXX of 2015 and immediately began showing delinquency of monthly payments, which was not the case. They then began sending me letters indicating payments were missed altogether and further action would be taken to collect the debt if this was n't corrected immediately. sent statements showing two months worth of payments were due even though their own transaction history on the website showed no missed payments and all payments completed. To make matters worse, my credit report now shows XXXX missed payments and several late payments and has ruined my credit worse than it already was. Each month I receive a nasty letter saying my payment has n't been received, even though it has been deducted from my account and shows up on their own transaction history. attempts to contact them have been completely futile as the XXXX or XXXX person on the phone barely understands me nor I them. My last actual conversation with them was a XXXX minute explanation by me of their own transaction report showing all payments made and absolutely no comprehension on their part of what I was trying to illustrate. I 'm ready to sue and have consulted with an attorney on the matter, but my costs will be ridiculous in order to get this matter resolved. Please help if you can to clear this up. I feel as if the company is not a mortgage holder, but a debt collection agency which is trying to squeeze something from me they are not entitled to. I never had a single issue with XXXX by comparison, but these people need to make it right and stop harrassing me about their own incompetence. Thanks
Product: Credit reporting or other personal consumer reports

I have disputed items that have came back accurate and verified but never received proof with my signature or permission to report anything concerning my credit. 
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX XX/XX/2024 {$480.00} Transworld Systems XX/XX/2024 {$1000.00} XXXX XXXX XXXX XX/XX/2024 {$2500.00}