23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1961 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX RCVL PER MNG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been  notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any  consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RCVL PER MNG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXXXXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1961 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY IDENTITY TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Uponreviewingmycreditreports, IdiscoveredthatEquifaxisreportinganaccountwiththenumber XXXX while both XXXX and XXXX have no record of this account. This inconsistency raises concerns about the accuracy and validity of the information being reported.
Product: Checking or savings account

All of XXXX and XXXX up till XX/XX/XXXX was consistently over drawn account and doing a process they called reordering or something to where they would show a certain amount in my account ( and I only used my debit card except for my mortgage ) then the next day show me with an overdrawn account and this happened almost every month sometime if I got hostile they would credit a few fees but maninly told me this was there practice and it was nothing I could do about it, overdrawn account so bad that when I left my job in XX/XX/XXXX I had to change banks it was the worst experience ever and I still owe them around XXXXXXXX XXXX because of this issue
Product: Debt collection

NOTHING, in your list of things, as appropriate to my problem.

My problem is this : As soon as my local news ( last year ) reported about the Equafax breech, I filed for money. My claim # is XXXX-XXXX. WHEN will I get my money? Are you waiting for me to die of old age?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Family Education Privacy Act of 1974 and the Privacy Act of 1974 my rights were violated by each institution that has shared my private information with each of the credit agencies.
Product: Consumer Loan

XXXX XXXX, 2015 around XXXX ET someone rings the door bell. My wife, XXXX XXXX, turns on the porch light and asked our son ( who is XXXX years old ) to put the dogs up ( we have XXXX XXXX pound XXXX and a XXXX XXXX. We live on XXXX acres in the county and rely upon them to secure our home and property. A " Beware of Dog '' sign is prominently displayed visible from the street along with a " No Trespassing '' sign. People know to call us before they come to our home so the dogs can be put up ). After the dogs were put up, my wife walked to the door and opened the door, keeping the full-length glass storm door closed and locked. She asked the young lady that was on the porch, how can she help her and who on she was. She stated that she was from " the bank '' and was here to on pick up " the van. '' My wife told her that we did not have a van. The young lady, without producing a business card, any paperwork identifying her firm, said that they know the vehicle is in the garage because " they saw it '' ( to see inside the garage you must go around onto our back deck to look into the back of the garage. My wife, who is not on the loan, asked her did she call me as I had instructed Santander because I was not home ( When I called Santander early yesterday I agreed to surrender the vehicle but someone must call my cell first because as a XXXX I am called out and we have the dogs that must first be out away ). She replied that " he was aware that they were coming to pick up the vehicle tonight. '' This was a lie. My wife again asked her, did you call him, she replied that he had spoken to her boss earlier and she was there present when he ( I ) had spoken to the bank. '' At this time, my wife notices a young man peek around the corner toward the front door. My wife explained to her that she needed to call me and I could take care of this since it was in my name and I had called to make arrangements earlier to turn over the vehicle. The young lady then stated to my wife, because " You are unwilling to turn over the vehicle, that is considered theft and charges will be filed tomorrow. '' My wife and son are both willing to provide sworn affidavits to support what they heard last night.
Product: Credit reporting or other personal consumer reports

In mid-XXXX  2023 I received a notification from my credit monitoring service stating that one of my accounts was being reported delinquent. Upon evaluating my credit report I identified the source of the delinquent account information to be my XXXX credit card. I could not understand how this was possible, since I had set up autopay on that account directly on the XXXX website several years ago and the monthly minimum payments were always withdrawn from my checking account with XXXX XXXX XXXX . When I contacted XXXX about this issue the representative told me that the issue was the result of IT system failures as a result of systemwide data migration of their system, and that other customers were likewise impacted ( their autopay was also dropped ). I immediately brought my account balance to XXXX. The person that I initially talked to at XXXX was XXXX XXXX  , a Resolution Specialist at the XXXX Contact Center . XXXX XXXX  assured me that the dispute would be resolved but then she sent me an email stating that the company would not be correcting my credit report. I was shocked by this outcome since the missed payments were not the result of anything I did or failed to do. I then decided to escalate my complaint to a Resolution Manager at XXXX, who took the information but has not been able to resolve the issue. The managers name is XXXX XXXX. 

XXXX credit card acct number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( As a XXXX XXXX XXXX who was impacted by a data breach of XXXX Im enrolled in credit monitoring service. )
Product: Debt collection

i am disputing several fraudulent items on my credit report. 

XXXX. XXXX XXXX {$16.00} XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX. XXXX XXXX XXXX XXXX {$3200.00}
Product: Checking or savings account

Opened a savings account with XXXX by Goldman Sachs on Monday XX/XX/2022 Transferred {$500.00} and {$250.00} on XX/XX/2022 Transferred {$800.00} on XX/XX/2022 Transferred {$450.00} on XX/XX/2022 Transferred {$150.00} on XX/XX/2022 XXXX by Goldman Sachs Savings account is temporarily locked and provides a number to call. 

I call for them to tell me that they closed my account and couldn't provide a reason for it. I asked who I can contact for my funds to be return or when they would be return and they told me they didn't know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/ 2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

unknown inquiries on my credit report without my knowledge or consent XX/XX/2019
Product: Credit reporting or other personal consumer reports

" These furnishers continue reporting false, inaccurate information on my credit report. XXXX, XXXX and Equifax continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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. 
- XXXX XXXX XXXX ( a ) and XXXX XXXX ( a ) ( XXXX ) : Duties After Notice of Dispute from XXXX. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- XXXX XXXX XXXX ( a ) ( XXXX ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. " XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Checking or savings account

I was contacted by someone named XXXX, who stated that he was a representative of Wells Fargo. He stated that he had reviewed the business account overdraft protection charges. He concluded that $ XXXX of overdraft fees over a year or more had been credited to the business accountend of investigation concerning overdraft fees. He also mentioned that an ongoing investigation concerning the breach of the business account involving the opening of an account by an employee of Wells Fargo along with an unauthorized breach of personal and business information. I also received a letter from Wells Fargo mentioning possible mediation to solve the breach of account matter, but yet to receive further communications. 

I'm in total disagreement with his conclusive overdraft claim about the previous un-timely claim # XXXX, and I think that a special third-party auditor should be assigned to the task of the investigation. As this is related to overdraft fees and other practices stemming from back in XX/XX/XXXX, when Wells Fargo came to a settlement with the CFPB regarding abuse of fees and interest charges handed down by the bank to customers in which I'm a victim. Please note that the breach of account started in XXXX, and is yet to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not agree with the reporting of these late payments and I would like them to be remove led.
Product: Bank account or service

I deposited a check for {$5000.00} on XX/XX/2017. It cleared my other bank on XX/XX/2017. Bank of America, however, sat on my funds for seven business days because they claimed that " check specific information '' indicated it was not collectible. This was a major inconvenience to me. I would like to know exactly what " check-specific information '' told them it was uncollectable under the Expedited Funds Availability Act. I await their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX account # XXXX has been on my report for 9 years. This account should be aged off but its still reporting
Product: Debt collection

This is the 2nd complaint that I have submitted on this issue. The 3rd step is going to be me taking CBE group and XXXX to court for harassment regarding a bill that I do not owe. I created case # XXXX, I received a response that CBE would cease collections and has sent in a withdrawal to the XXXX credit bureaus to remove the debt from the report. Now I have received yet another letter from CBE requesting the same funds again in which I will NEVER pay. I have provided all of the documents including a letter from the leasing agency proving that I relocated and left the premises XX/XX/XXXX. XXXX XXXX XXXX and the CBE group are attempting to collect {$350.00} from me stating that the disconnect date was XX/XX/XXXX. I called CBE group, they advised for me to get proof that I had moved, I got proof from the leasing property management that shows the date I moved ( XX/XX/XXXX ) and sent it in. I was then advised by CBE that XXXX has advised them that they do not accept proof of customers relocating and to keep it as a valid debt. My next action was to come to consumer financial protection bureau for assistance, I created the case mentioned above and got the response of the CBE group has ceased collections. I now have another letter dated XX/XX/XXXX with them attempting to still collect funds that I am not responsible for. I have asked for XXXX to pull the records of my disconnect call and was refused, even with proof that I relocated they are still continuing to harass me. I do not owe this debt and it will not ever be paid by me. You can not collect funds or attempt to scam someone whom has proof of moving.
Product: Credit card or prepaid card

I have been living in the XXXX since XXXX after spending the previous 8 years living in the US. Someone has fraudulently used a Capital one card in my name and incurred many fraudulent charges this year in XXXX while I have not been in the country. I registered these charges as fraudulent, but I have since incurred interest charges through missed payments on the Fraud, that I obviously am not liable for. I have requested on XX/XX/XXXX to close the account and investigate the charges. it is now XX/XX/XXXX and the charges have not been removed and I am still incurring charges, effecting my credit rating in the USA. I have called multiple times and have been passed from department to department, making it very difficult to speak with the correct people. The last time I called I was directed to 'collections ' to try and have me pay the fraudulent balance. Capital One have not done anything to resolve this situation and I find myself calling them daily many months after the original request to close the account and clear the balance was made. I can verify that I have not been in the USA in XXXX and can not possibly be liable for any of the charges made in my name. I am finding their service both ineffective and hostile to resolving problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Health Care facility along with Professional Placement SVCS has violated my Health Insurance Portability and Accountability Act ( XXXX ) Privacy rights.They are in Breach of Notification Rules or the Patient Safety Act and Rule. I did not give any consent to share my Personal health information. Why has this comapny frivolusly reported multiple accounts more than 5 times on my credit file with no consent. Along with violating my XXXX rights, they are violated my FCRA rights according to the law 15 usc 1681. 
The accounts that are in violation are : XXXX XXXX XXXX Acct # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
XXXX XXXX XXXXXXXX Acct # XXXX. 

Why has this been able to happen?
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I spoke with XXXX, a supervisor in Customer CARE regarding confirmation number XXXX filed on XXXXThe investigation is regarding an erroneous date of first delinquency. 
The problem I have is that Equifax possesses a preponderance of evidence in their hand proving this is the case so there is no need for a " creditor/customer weigh- in '' regarding this evidence.The same evidence they see or acknowledge Today was provided in CFPB COMPLAINTS XXXX,XXXX,XXXX. 
Today the date of first delinquency regarding an unpaid rental contract is over 7 years old, A SERIOUS FCRA violation.The proof I've supplied shows a summons date of XX/XX/13, proof of the collection process for rent.the judgment date of XX/XX/2013 is the wrongful date the creditor supplied stating some federal code that they have the right to keep a judgment on file for seven years ... YET, THIS IS CLASSIFIED AS A COLLECTION ACCOUNT.The beef is ... ..EQUIFAX, due to the proof on hand does not need the creditor to weigh-in or consult ... all that this does is create further damage, keeping a negative item on file well beyond the 7 year uniform policy pertaining to a statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card companies generally do not charge off accounts until they are 180 days past due. My Kohl 's Charge account was paid and brought current XX/XX/XXXX for {$13.00}. On XX/XX/XXXX I made another payment for {$39.00}, which was returned due to the account being closed. I did not receive a phone call, email, or letter notifying me of this, or I would have corrected it immediately. Kohl 's incorrectly charged an old bank account on file with them, one that had not been used for payments in over a year. The current bank account I was using for payment was also listed as the default account, so I would not have have made this mistake myself. On XX/XX/XXXX, the account was charged off. I called the collections department and they informed me it was not 113 days past due before the charge off, but XXXX. I asked how they arrived at this number, which is still less than XXXX, and they were not able to offer an explanation. I also received a phone call from the office of the president, by a lady under the name of " XXXX XXXX '' who also told me " even if we made a mistake, we will not be correcting this ''. This is an admittance that they do not adhere themselves to the fair credit reporting act ( FCRA ). If my account was in fact 171 days past due, it would have showed as such on my credit report. All of my credit reports show the same thing " XXXX XXXX of 90 days on XX/XX/XXXX ''. But the fact of the matter is 171 days is 9 days shy of 180 days that must pass for an account to charge off, and since I made a good faith payment on XX/XX/XXXX, which their computer system incorrectly pulled from the wrong account, it was in fact only 90 days. This also corresponds with the " 90 days maximum delinquency '' listed on my credit reports. 
Lastly, the payments I made on XXXX, XXXX and XXXX of XXXX are not reported at all on my credit reports. In fact, for those months, it shows 30 days late in XXXX, 30 days late in XXXX, 30 days late in XXXX, 60 days late in XXXX, which is not correct. It should not even show 60 days late in XXXX, as I made a payment for that month.