23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX a federally protected consumer and Im making this complaint against Telerecovery for committing identity theft. I have never given Telerecovery any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). Iam demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Telerecovery can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, such as a Trilateral contract can not be produced and Telerecovery Continues it collection efforts. I file for litigation for actual damages caused and Telerecovery will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft by deception, Securities fraud from the S.S.A. with my signature please tell me you have it, send me a copy, Im demanding it. Upon the receipt of the documents herein and of this Notice, you are hereby notified pursuant UCC 1 - 202f. Your prompt Attention and Response are both requested and required. Account # - XXXX
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX placed a collection account on my record ( XXXX XXXX, XXXX and XXXX ) for an amount of {$310.00} as a debt buyer. I happened to view my credit report and noticed this debt. I was never contacted by phone or letter about this debt prior to it being reported. I have lived at the same address and have had the same phone number for the last 7 years. I recently moved but I updated my current address with the credit bureaus as well as forwarded my mail. I feel the company could have contacted me and validated the debt. I did not know what it was for. Until recently I was made aware through viewing my credit report, they updated the collection to add California Check Cashing. I disputed the collection with all three bureaus requesting a validation of debt and all came back as verified as accurate. I disputed this debt on XX/XX/XXXX with no response and on XX/XX/XXXX and it came back as validated. I have never heard of this company and to my knowledge I thought California Check Cashing was paid in full. I never once received a phone call or letter in the mail regarding an outstanding bill. How can they place something on my credit and damage my good credit history without contacting me and giving me a chance to verify the debt and to pay?
Product: Credit reporting, credit repair services, or other personal consumer reports

The open date on each account has different months on it, which is no possible way the accounts were opened on 3 different days. Collection/chargeoff account showing balance and that's violation under FCRA.
Product: Student loan

I am XXXX currently under XXXX student visa and under XXXX insurance and I have some financial issues which I really need help for in order to be recovered. I go to gwu school of law
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed to EQUIFAX via certified mail a notarized Dispute Letter requesting that they verify the alleged accounts on my credit report ( attached ). The tracking from the USPS shows the letter was delivered on XX/XX/XXXX ( attached ) which they acknowledged receipt via email ( attached ). More than 30 days elapsed, and I have not received any response containing proof that EQUIFAX verified the accounts. The law stipulates ( FCRA Section 611 ) that the consumer reporting agency must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. I then mailed EQUIFAX a letter via certified mail which the tracking from USPS shows the letter delivered on XX/XX/XXXX ( attached ) advising them of their failure to respond and that because of that all unverified accounts on my previous dispute need to be deleted. EQUIFAX acknowledged receipt of that letter via email on XX/XX/XXXX ( attached ) but did not comply with my request or the law but rather informed me that they are starting a reinvestigation only ( attached ). According to Section 611 EQUIFAX has not established or met the criteria for extension of time from the original letter primarily for their failure to respond according to the law. I have and continue to suffer damages because I need to rely on an accurate and complete statement of my credit record which is reflected on the change to my FICO EQUIFAX credit score which has went down due to EQUIFAX operating outside the parameters of the law.
Product: Credit reporting or other personal consumer reports

I can not accept the presence of public records on my credit report. It is causing significant XXXX  and distress, and I implore you to remove them without delay.
Product: Debt collection

XXXX emails received so far, claiming to collect a debt I have never heard of. I have never had an account with XXXXXXXX XXXX XXXXXXXX XXXX, nor have I ever lived in XXXX 
The first email I received from Halsted Financial Services came to my email address but mentioned the name " XXXX XXXX '' which led me to believe this was spam/phishing. I was surprised to keep receiving these, repeatedly claiming I owe over {$800.00} for a debt I have never heard of before!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts on multiple occasions however they are still reporting them incorrectly. 

XXXX XXXX is only reporting on my XXXX with an inaccurate date opened, no date last verified although I've disputed this account for almost a year and most recently being 1 month ago. 

XXXX XXXX  card is only reporting on my XXXX with no date last verified and the last date reported XX/XX/XXXX. This is an account I'm actively disputing but they return " updated and verified ''. My last payment date is showing XX/XX/XXXX which is inaccurate and they have not sent me verification. 

XXXX XXXX XXXXXXXX is showing inaccuracies on the 30 days late, 60 days late and 90 days late. How is this account showing 90 days late 24 times consecutive? 

The following accounts have all been transferred to a student loan fresh start and should not be showing delinquent or derogatory on any of my reports. The USDEPTOFED are also duplicates and need to be removed immediately. 

DP OF EDUC XXXX- This account is part of Fresh Start with US Department of Education USDEPTOFED XXXX- This account is a duplicate USDEPTOFED XXXX- This account is a duplicate USDEPTOFED XXXX- This account is a duplicate DEPTEDXXXX  XXXX - This account is showing as a duplicate and is part of the fresh start program with the US DEPT of ED. 

XXXX XXXX XXXX XXXX this account is showing on two bureaus with mismatch information such as " date reported '', " creditor remarks are also inaccurate '', last payment is also a huge inaccuracy showing XX/XX/XXXX on XXXX and XX/XX/XXXX. The date of last activity on this account also do NOT match. 

XXXX XXXX- this account was a bogus debt from XXXX ( XXXX ) they credited my account and my balance to XXXX. This should be removed IMMEDIATELY XXXX - This account was recalled by comcast and no longer was reported by XXXX however the bureaus refuse to remove it after multiple attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AFNI ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AFNI ( Original Creditor : XXXXXXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to dispute fraudulent hard inquiries with TransUnion - I've chatted with an agent who claimed they put in a dispute. I called and talked to a second agent who claimed no dispute was put in and I needed to mail in 1 ) a cover letter 2 ) a copy of my credit report 3 ) a copy of the FTC report. I chatted again- they said I need to call another phone number to put in a dispute to remove the hard inquiry.

I've spent over an hour chatting with their agents online and an hour with their agents on the phone trying to get my credit report corrected. TransUnion refuses to provide clear instructions on how I can remove fraudulent hard inquiries on my report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report nor verify any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I dont understand how they usually say that these accounts are mine.

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a discrepancy I have identified on my credit report, dated XX/XX/year>. After a thorough review, I noticed an account that doesn't belong to me. I am seeking your assistance in promptly removing this inaccurate entry from my credit history. The questionable account is : XXXXXXXX XXXX XXXX
Product: Checking or savings account

I have been a member of Navy Federal for about three years now, and they will allow my car to be charged even if the funds were not available and then they will charge me an overdraft fee. Even if I had recently deposited money into my account, they would hold those funds and still allow me to use my account while charging me a overdraft fee.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 


The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Product: Checking or savings account

On Friday XX/XX/2020 my PNC debit card was used for {$900.00} following a {$270.00} charge as well a {$280.00} CARD FREE ATM ACCESS funds withdrawn. I am an XXXX XXXX XXXX XXXX with XXXX XXXX XXXX   I was scammed by a guy who stated he could get me an SBA loan for XXXX XXXX   I gave him all of my personal information name social DOB account # routing # bank user name password and debit card number I thought it was a lot but my business is on the verge of being nonexistent due to COVID19 I contacted PNC and told them about what happen nobody has offered to send me a debit card or even get me a debit card issued they have restricted my online access so me being the actual acct holder can not see or get into my acct they were holding me liable for the fraud until I called and told them that Im not paying for something I did not do and they are holding my paycheck from me from my job during this pandemic I have no $ for anything I need because they wont allow me access I spoke with an agent named XXXX XXXX he was so rude to me did not want to offer assistance he denied my request to speak with someone else he was being deliberately unhelpful and did not know any information I had to give him my information in regards to everything he completely tore my spirit into many pieces in regard to PNC or any of their business practices he was so discourteous and I have no faith in the company what so ever it makes me want to file a lawsuit for pain and suffering. This person also filed so many wrong and unwilling disputes on my acct causing a lot of issues with merchants I have rapport with.
Product: Credit card

I applied for Chase personal credit card, approved and got the card in XXXX, then I applied for a business credit card and after approval I got my business credit card. As soon as I got my business credit card they closed all my credit accounts without any reason. So i could not even use my business credit card. I went to the branch in XXXX and they did not tell me anything. After some time same thing happened to my friend who is also XXXX and lives in XXXX. As long as I have never did anything wrong with any of my credit cards or banking accounts and never get a reason of closing my accounts I am pretty sure in the following. 
Chase bank discriminated against me, they stereotyped XXXX as prone to crime and fraud because I am XXXX and I live in XXXX and my last name is ending with XXXX letters. 
Chase treats XXXX Americans as criminals who were likely to commit fraud.
Product: Mortgage

Im reporting a company called Statebridge. Around XXXX, I had filed XXXX I was past due on mortgage payments and credit card-. I successfully finished the bankruptcy as of XXXX. Statebridge reps continued to say they never got the money from the courts and I still owed them what I paid in bankruptcy. Im XXXX, they refused my monthly payments and sent me back my checks. The customer service reps would hang up on me and laughed. They said I owed money from XXXX and tried to extort the same amount I paid in bankruptcy. They said if you pay XXXX XXXX we will accept your monthly payments. I reached out to the trustee and judge who set up the monthly payments that were paid in bankruptcy and said state bridge is indicating they did not receive the funds- I have the email. They were trying to extort money and told me to contact their lawyer and said I was in foreclosure in XXXX. They were trying to scam me out of more money and should be brought to justice. They lied and fraudulently increased the amount of my loan as well. I told them I was taking them to court for extortion. Now they are suing me for the amount that is past due since XX/XX/2020. I feel they set me up and scammed me. They violated XXXX XXXX XXXX and should be liable for extortion and fraud. I have an attorney and trying to sue state bridge. Last XXXX, they sold my loan to XXXXXXXX XXXX XXXX They have my loan amount incorrect. I want a full audit and investigation on my loan and Attorney XXXX XXXX who is a scammer and sued for extortion. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) 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 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
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I tried to purchase a companion animal for my daughter. The website has all the necessary stamps making it appear legit. I proceeded to reach out to the owner and inquire more information. Upon speaking to the opener it all seemed legit at first. I was promised a companion animal same day. With all the required akc documention. I then started to notice a change in behavior. After looking into it more with the help of a police it was a scam. I then requested a refund from the seller directly. They said they would. Once they became aggressive and didnt I went to XXXX XXXX directly and inquired on how to get a refund. The seller wanted me to close the case ( which meant to XXXX XXXX no dispute could be filed ) I refused to close the case and the seller never gave me my item or refund. XXXX XXXX wont give me my refund for item not received. I went to my bank. Filed a dispute. I called my bank as soon as I noticed it was possible scam to have the transaction stopped. They temporarily issued a refund. I received a email saying they couldnt permanently give me my refund. I called and asked for a explanation and now they are saying because it was a money transfer its not covered. However XXXX XXXX never explained it was a money transfer. And I never reached a item. The item was XXXX with a. Fee making it XXXX. I provided. Documention from the seller saying I would get a refund and still cant get help. The scammer also scammed a person I know shortly after me. We all reported this to the XXXX
Product: Debt collection

I have repeatedly as for ( 1 ) Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor, and they won't provide it ( 2 ) I've repeatedly asked for the original creditor securitized debt info ( 3 ) I've repeatedly asked for the original creditor to the secured trust and then back to the original creditor but they won't provide it ( 4 ) I've repeatedly asked for a copy of the agreement that authorizes the creditor to assign or sell the debt to this collection agency and they won't provide it ( 5 ) This company consistently report on my credit report a " charge-off '' month after month, while the debt can only be charged off one time ( 6 ) ...... All they send is a computer copy from something out of their system... .. ( 7 ) I even asked for some form of payment proof from me, they won't provide it ( 8 ) I asked for a written signature and they won't provide it ( 8 ) The address listed on this debt - I've never lived there, the email address on this debt has never been my email, the telephone number on this debt has never been mine ... .///////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// This debt is Identity Theft, I've reported it to the FTC and I can't get Continental to give me the information I've requested ... .I 've told them this is not me but they continue to send to the CFPB some papers they produced out of their computer system.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. WELLS FARGO XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt