23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was notified by my XXXX at XXXX that Senex reported a debt as unpaid to XXXX on XXXX XXXX, 2015. They did not mail me a notice to dispute before they did it.
Product: Debt collection

I did not receive notice in the mail of my right to dispute this debt AND I did not receive any notice in the mail of an attempt by this company to collect a debt. The debt collection agency had an apartment number XXXX XXXX XXXX XXXX in my address thus making the address invalid/inaccurate. They claim to have sent me a letter but will not provide me any proof of a letter showing notice of collection of debt. I have called this agency on numerous occasions to try to get proof that they sent me a letter in the mail to no avail. Each time I speak with this office they are extremely rude, will not allow me to voice my concern and continuously speak over me and rush me off the phone. Today, XXXX XXXX XXXX I called this office and was told by a woman " I do not have time to dispute this debt with you, I have people in the office ''. I feel that I am being discriminated against and that this company is using unfair business tactics to damage my credit for no apparent reason. 

It is to be known that when I reviewed my credit report in XXXX XXXX and found this collection account listed unknowingly, I immediately called this business to find out what the account was in reference to and satisfied the account with full payment immediately. I then voiced my concern that I never received any type of letter about this debt or any other communication from this collection agency and then asked what address they had on file. I was told the address they had was XXXX XXXX XXXX Unit XXXX, I then told the person I was speaking with that address was inaccurate as there is no " Unit XXXX '' and then voiced my concern to that being the reason that I did not receive the letter.I live in a town house with no " Unit '' association but there are also apartments in my community so I am sure if the letter was delivered it was delivered to someone else. Nobody at this establishment will use ethical practices to realize they had the wrong address entered into the system and that I, the customer, is telling the truth that I never received notification. Once I told them of my address, they claimed to update their system and delete the " UNIT XXXX '' association off of my profile at the time when I paid the account in full. 

I have disputed this illegal, inaccurate, unethical and wrong information with all three credit bureaus to no avail. Each time I submit a dispute, XXXX XXXX XXXX, decides to reject my dispute of this account without researching their systems completely. If XXXX XXXX, can not review my phone call with them in XXXX XXXX to realize that they had my address wrong then they are discriminating against me and being extremely unethical. 

I have never had a collection account on my credit report and this is damaging to my life, my career & my well being and extremely upsetting that I could possibly have a derogatory account on my credit report for the next 7 years due to INACCURATE INFORMATION. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting Act XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Accounts ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00}.
Product: Debt collection

A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent activity on my report. These accounts are hurting my ability to obtain credit. PLEASE REMOVE THE INQUIRIES and all fraud items ON MY CREDIT FILE. THESE ARE THE FRAUD THE ITEMS ( XXXX XXXX XXXX, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Dispute of Fraudulent Account Due to Identity Theft To Whom It May Concern, I am writing to formally dispute the fraudulent account reported by XXXX XXXX XXXX on my TransUnion credit file. This account is not mine and is a result of identity theft. Below, I have outlined the applicable federal and state laws that support my dispute and request for the immediate removal of this account from my credit report. 

Account Details : Source : TransUnion XXXX : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Business Type : XXXX Balance : {$500.00} Applicable Laws and Regulations 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 : Credit reporting agencies are required to block information resulting from identity theft within four business days of receiving proof of the identity theft and a police report.

15 U.S.C. 1681i : Credit bureaus must investigate disputes and correct or remove inaccurate or unverifiable information, typically within 30 days.

2. Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692c : Prohibits debt collectors from communicating with consumers after being notified that the debt is disputed and the consumer requests cessation of communication.

15 U.S.C. 1692g : Outlines the requirement for debt validation and mandates that debt collectors cease collection efforts until the debt is verified.

3. Georgia State Laws : Georgia Code 10-1-393.8 : Protects consumers from unfair or deceptive practices in the collection of any debts, including those resulting from identity theft. 
Case Studies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : This case highlights the responsibility of credit reporting agencies to reasonably reinvestigate disputed information. 
XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case underscores the importance of consumer rights in disputes involving identity theft and the obligations of credit reporting agencies under the FCRA. 
Requests : Given the above references, I request the following actions be taken immediately : Cease all communications to me regarding this fraudulent account. 
Remove the fraudulent account from my credit report. 
Provide written confirmation of these actions. 
I mailed a letter with my ID theft report and and the police report I filed regarding this matter. I sent this to your company back in May Failure to comply with these requests may result in further legal action to protect my rights under the FCRA, FDCPA, and applicable Georgia state laws. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Debt collection

I use to have a contract with XXXX in XXXX NJ and my sister in law too because I was married with her brother we finish having the same last name and the first name. We used to live in the same address but different apartment number. i do n't remember if it was a one or two years contract. I wait until finish and I give the manager of the club the letter that they ask for saying that I do n't want to renovate my contract with them and he make all the changes but my sister in law did n't she just decide to close the account she was using to paid her membership and from the XXXX of us I 'm the only one who has a social security number.When they call me I tried to explain everything to them but they guy on the phone keep telling me that I have to paid that money when he finally decide to listen to me he actually confirm that it was not me because the date of birth that they have in the sistem is not mine. But they call me again telling me the same thing I explain everything to them again and I told them that they are using my social security number to put me on collection for an account that does n't belong to me and I give them my sister in law phone number so they can contact her. But they never solve the problem and they keep me in collection for something that I do n't owe. I need help because This collection is affecting my credit score and I 'm not gon na paid for something that I do n't owe.
Product: Credit reporting or other personal consumer reports

This morning, I found an unauthorized inquiry on my credit report, and I have no idea why. I routinely checked my report as usual, but this time, I saw unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the unauthorized inquiry remained. This issue needs to be resolved immediately, and I request a thorough review of the documents Ive provided to prevent this from happening again.
Product: Debt collection

On XX/XX/year>, I received a notice from XXXX that my credit score had dropped by over XXXX XXXX due to an account from " Consumer Adjustment Company '' that I have no knowledge or awareness of. The company posted an outstanding debt of XXXX XXXX to my account which dropped my credit score. I received NO debt collection validation notice, I had not received any in-person or telephone communication from this company, and I have received no mail or electronic communication from the company. ( I still have not received contact from them, even after they posted this fraudulent account to my credit report ). My understanding is that they are *REQUIRED* to make such contact with consumers before making any reports to the credit score companies. 

I checked the listing for Consumer Adjustment Company , Inc. ( CACi ) on the Better Business Bureau and found that they have a XXXX XXXX XXXX  ) rating with the average consumer review at 1 out of 5 stars and over 600 complaints filed against them with the XXXX in the past year. If my experience is anything like average and I've had to spend 4 hours on my day off attempting to track down where these fraudulent charges have come from, imagine the over XXXX XXXX those other XXXX people have spent battling corporate greed in this way. 

This is an abysmal company here is their XXXX XXXX XXXX XXXX XXXX XXXX Their actions have been extremely unethical and unprofessional and I am appalled that corporations have the power to waste consumers ' and tax-payers ' time in such a manner. I hope that strict legislation harshly penalizes such companies until it is economically disastrous for them to harass the public like this.
Product: Checking or savings account

In XX/XX/XXXX, I attempted to open a checking and savings account with JP Morgan Chase XXXX. I received an email on XX/XX/XXXX, informing me that JP Morgan Chase was " unable '' to open an account for me. I visited a local branch of the bank in New York City ( address : XXXX XXXX XXXX, New York, NY XXXX ) to follow up on this issue. I met with a banker who then made a phone call ( presumably to XXXX 's back office / compliance team ) and they verbally informed her that they could not open an account for me. I asked for further information, but she informed me that she could not provide any further details and that I would not be able to bank with JP Morgan. 

Around this time, in XXXX, my father, who is a customer of JP Morgan Chase, reached out to his personal banker and asked his banker to look into the issue. Similar result ; they reached out to their contacts internally and informed us that all they got back from their compliance team was that it was not possible to open a bank account in my name. 

Later, on or around XX/XX/XXXX, my fiance and I attempted to open a joint checking / savings account at the Chase Bank XXXX ( address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ). After going through the process of opening the account, at the last minute, the banker informed us that they would not be able to open an account with me as an account holder. When I asked for information as to why, the banker told me he couldn't tell me but that I would receive a letter in the mail with more details within XXXX weeks of the appointment. As of XX/XX/XXXX, I have not received this letter. 

Some additional facts that XXXX be helpful : - Shortly after XX/XX/XXXX, I opened a joint bank account with another bank ( XXXX ) and there were no issues doing so. 

- I maintain a credit card account with Chase bank and have maintained this account since at least XXXX. JP Morgan Chase apparently has no issues issuing a credit card to me ; but a checking/savings account is out of the question. 

- I have opened accounts with XXXX and XXXX, and have yet to see any indication that my identity has been stolen or compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked, and according to their website, my data may have been compromised. I 've tried calling them ( today, on X/X/2017 ), but have been unable to get through. They 've signed me up for a slot to apply for their one-year credit protection, but the hackers have data that could affect me for the rest of my life. One year is not long enough. Additionally, they discovered this hack in XX/XX/XXXX, and I 'm only hearing about it now in XX/XX/XXXX. This is all unacceptable, and this company needs to be held accountable.
Product: Debt collection

I am writing to bring to your attention a matter of great concern regarding an alleged debt reported on my credit report by XXXX, account number XXXX. I am seeking your assistance in resolving this issue as I believe there have been unjust activities surrounding this debt. 
To provide some context, I had no prior knowledge or association with XXXX before discovering the presence of this debt on my credit report. I did not receive any written notices, phone calls, or emails from them regarding the alleged debt. Furthermore, I have an open case with my legal tenant and owner lawyer concerning my previous residence, which was resolved when I moved out. 
The apartment complex in question has been less than forthcoming about the details of the situation. They have inaccurately reported when the next tenant moved in, which, according to legal standards, would have relieved me of any further responsibilities. Upon learning about the unexpected bill from XXXX, not the one currently on my credit report, I was shocked. 
It's important to note that there were discrepancies in the bill itself. Initially, I was presented with a bill amounting to {$10000.00}. However, after providing evidence, including legal multiple mail proofs demonstrating that a tenant had moved in during XXXX, the leasing office acknowledged my correctness. I firmly believe that I do not owe any money to XXXX or any other entity associated with this debt. 
To address this matter, I have retained the services of an attorney to assist in rectifying what appears to be an unlawful act. The reported account is factually incorrect, as I never engaged in any business dealings with XXXX. Furthermore, I was never served any notice of this alleged debt, violating my rights as a consumer. 
I kindly request your assistance in investigating and rectifying this situation promptly. I believe that my rights as a consumer have been violated, and the inaccurate reporting is adversely affecting my credit score. I am attaching relevant documents, including proof of the resolved case with the apartment complex and evidence of the tenant 's move-in date. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will help ensure a fair resolution.
Product: Debt collection

XX/XX/XXXX Debt collector is wanting me to pay for XXXX for unknown service for my previously brankrupted company ( XX/XX/XXXX discharged )
Product: Money transfer, virtual currency, or money service

The company Coinbase will not grant access to my money in any form. I have tried multiple times to get help from the company to access my funds. I have not even been able to talk to a human being in 3 days of constant contact. this is very frustrating as i have used Coinbase on this account for years, there was no warning that any deposits made via USD or BTC would now be held for up to a week. Considering the ripple effect of Covid I have been put in dire straights financially because of Coinbase during the week I pay all my bills. This company is completely unprofessional and are incompetent they have no business in electronic banking ( the outrageous hidden fees should have been a clue ). how can you run a banking service and not have any customer service representatives. Three days of the same Bot responses and automated dialog on the phone have done nothing. I have never reported any corporation for anything, but considering my internet goes out tomorrow along with electric i must file a complaint in hopes that no one else falls victim to Coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bay Area Receivables is reporting false information to credit bureaus regarding a bill. XXXX seperate accounts XXXX balance is {$2500.00} and the other balance is XXXX. I have tried to resolve the issue but Bay Area Receivables area refuses to acknowledge those bills are not in my name. XXXX XXXX XXXX XXXX requires that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : On a recent review of my credit report I discovered XXXX XXXX XXXX XXXX pulled my credit report without my signature authorization on : XX/XX/2021 I fully expect this to be removed from the 3 main credit reporting agencies of XXXX, Equifax, and XXXX immediately. 

Your failure to act will be this matter being referred to the Attorney Generals Office. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

Dear Experian, XXXX, XXXX I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong. PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : PLEASE UPDATE MY NAME TO : XXXX XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/ MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. PLEASE REMOVE ANY OTHER PERSONAL INFORMATION YOU ARE CURRENTLY REPORTING AS THEY ARE NOT ACCURATE. PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. Please send me a new report when you are completed so I may continue to verify its accuracy. Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

A amex credit card is on my credit report utilizing XXXX in credit. I have had amex accounts in the past but they are all 100 % closed confirmed by them. But this has shown on my credit despite at least XXXX disputes with XXXX
Product: Credit reporting or other personal consumer reports

This website uses cookies to ensure you get the best experience on our website. Learn more Got it! 
Skip to main content XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX U.S. Code Title XXXXXXXX XXXX XXXXXXXX SUBCHAPTER XXXX XXXX Quick search by citation : Title Section 15 U.S. Code 1681 - Congressional findings and statement of purpose XXXX XXXX Notes XXXX | next ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Things in dispute : Experian -- Credit Collection Acct # XXXX XXXX -- XXXX XXXX XXXX XXXX -- Acct # XXXX XXXX -- XXXX Acct # XXXX, shows paid as agreed, and in reporting dates are incorrect, and old account. 

No credit report match. Somethings reported on XXXX and not the other. 

Please refer to XXXXS Consumer Law 15USC 1680C ( A ) ( 5 ), section status and 15USC 1681 ( A ) ( 1 ) All these disputes are inaccurate and by law this information should be accurate, if not should be removed immediately.
Product: Bank account or service

I went into Bank of America to make a deposit to pay on a bill. the deposit was for {$75.00}. Once I looked at the receipt, i noticed the last XXXX of the account number the teller deposited my money to did not match my bank account number. Apparently, she deposited the money to another account. I stated that I wanted the money in my checking account so I could pay a bill. This is obviously the teller 's mistake. She stated she could not change the deposit although she apologized. 

Of course I asked to speak to the manager, he said he would investigate. Investigate? Investigate that my money is not where I specifically told them to put it? 

Then I am told that the money was deposited to a CLOSED credit card BOA claimed that I opened in 2006. I have never had a BOA credit card, I applied but I was not approved. I asked for the credit card info- account number etc. I am told that since the account is closed, I can not get that information. 

1. I stated the money to be deposited to my checking account and it was not - BOA 's error2. The money was deposited to a credit card I do not own- I checked my credit which I subsequently pulled my credit report and I have never had a BOA credit card. 
3. So where is my money?
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file. The items that i need deleted are going to be attached in a word document, i am a victim of identity theft, I have Mutiple accounts and inquires that I DID NOT apply for listed on my credit report. i ask that these be deleted so my credit report will only show accurate information. I reported the theft to the Federal trade commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.