23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company name is Destiny Card Services put me in collections on XX/XX/XXXX and XX/XX/XXXX. I dont know who this company is where they couldve have gotten my information from but I never did any business with them. Being put into collections is ruining my credit score and I want it removed.
Product: Credit reporting or other personal consumer reports

This account was charged off on the followind date : year XXXX 
Since then the account has repeatedly been updated as charged off every month. This is an update in the paymeny history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it XXXX and you neglect has violated my rigths, I am demanding a deletion of the following account : XXXX XXXX XXXX, account number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they 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. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES AND ADDRESSES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE FRAUDULENT INQUIRIES XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX FRAUDULENT ADDRESSES XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX FL XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX AV XXXX, NY XXXX
Product: Debt collection

In XXXX, my JCPenney Credit card was stolen or lost. I attempted to report this. I continued to receive bills for the full amount. I was willing to pay the portion I was responsible for, but not the amount charged after my card turned up missing. 

After several attempts to resolve the issue with no resolution, I stopped making payments on the account. 

In XXXX, I started receiving harassing phone calls regarding this debt. I explained the situation and told the company I am contesting the amount of the debt. I would pay the amount I owed, but not the amount charged after the card was stolen or lost. 
The company ( XXXX XXXX ) continued to harass me throughout XXXX. I sent a letter contesting the amount owed. 
They continued to harass me by attempting to call using at least a dozen different numbers. I eventually ignored the calls and refused to to speak with them because they refused to acknowledge my contested amount due. 

Now, in XXXX ( XXXX XXXX ), I received a letter from MY XXXX XXXX XXXX SON 'S bank stating that HIS funds were put on hold. My son has a XXXX. He is XXXX. He does not XXXX. However, he did manage to graduate high school in XXXX of XXXX. There had been only one deposit in this account, his graduation gift money. 
I am ONLY on his account for information purposes since it 's XXXX ( in person or on the phone ) with people he does not know, and since he does not XXXX, I am ONLY supposed to be on this account to speak on his behalf when he is unable. 

I called the debt company this morning asking how we can resolve this issue and they were very rude and condescending. I was told that they would NOT take the hold off of my son 's account. I am in the process of providing proof that the deposit in his account is 100 % his money, none of it being mine. They still could n't guarantee that they would remove the hold or even " take '' all his money from the account. 

I then offered to send them the amount of the hold : {$590.00} ( even though this is a little more than what MY original charges were ) just to have them leave my son 's account alone. Again, they refused to remove the hold and will " take '' HIS money. 

I have two other bank accounts in MY name alone, and yet they go after my XXXX son 's account to remove ALL his money. This is simply not fair. I tried to resolve this with the company and they would not offer me any tangible solution for this issue. 
I 've done my research on this company and I found they have a pretty bad reputation as to their means of " attempting to collect a debt ''. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX
Product: Debt collection

I am in the process of helping my son get in to college by co-signing for his student loans but when I checked my credit I saw I had a collection with ( collection company name ). I never had an account with ( collection company name ) and wonder why its reporting on my consumer report. I am asking for verification and validation of this alleged account. I am asking for this information because my identity was compromised due to the XXXX breach of information. So I am very cautious of whats going on my consumer report. This account is putting stress on me and my family. And need to be resolved. I never received letters to dispute or notice of right on this matter at all according to 15 usc 1692g.
Product: Credit reporting or other personal consumer reports

I order a 50 inch Tv from XXXX through XXXX. Tv was left on porch and no one was home a tv was stolen. I do not possess the Tv so I shouldnt have to pay for it. They said they would send me a replacement if I kept up with my payment but after no response I quit making payments. I also have the police report where the item was stolen and wasnt supposed to be left in a porch. I dont have this tv and would like for this to be taken off my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Bankruptcy Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to my previous CFPB Complaint I submitted on XX/XX/XXXX. On my CFPB Complaints, I requested that the Credit Bureaus remove the fraudulent accounts and information that are reporting on my Credit File. Under the Fair Credit reporting Act section 605b, the XXXX XXXX XXXX are required to remove the disputed accounts and information completely from my Credit file. Although that some of the disputed items were removed, there are still accounts that remained and should also be removed from my Credit File. The Credit Bureaus are expected to comply with the Federal law and have the disputed accounts removed. Once again, I was a victim of identity theft and the disputed accounts and information were the results of such crimes, therefore the Credit Bureaus must remove the fraudulent accounts and information as soon as possible. Here is the list of fraudulent items that should be removed as soon as possible : CXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I received a Notification that a hard request for my credit file was made on XX/XX/22 by XXXXXXXX XXXX XXXXXXXX Located at XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX GA XXXX. I never gave this company permission to check my credit and did not apply to this company for a loan, credit card, or line of credit. This inquiry caused my credit score to decline by XXXX points. I contacted XXXX and filed a dispute stating it was either identity theft or a fraudulent transaction. They sent me an email stating their investigation was closed and the hard inquiry will remain on my credit report for 2 years. I want this item removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTIFIED ALL THREE CREDIT BUREAUS ASKING THEM FOR A VALIDATION OF ACCOUNT FOR XXXX XXXX ACCOUNT XXXX. THIS ACCOUNT NEEDS TO BE DELTED FROM MY CREDIT REPORTS.
Product: Credit card

Purchase a computer from XXXX using XXXX credit. XXXX arrived damaged and returned. According to XXXX they issued a refund on XX/XX/year>. As of XX/XX/year> no refund has been credited to my account and no one from XXXX credit seemed concerned or could explain why I had not received a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX Balance : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

BRIDGECREST Original creditor : tried disputing this with XXXX and XXXX. I filed lawsuit against XXXX, XXXX XXXX, and Bridgecrest and settled this debt with an attorney XX/XX/2022 yet still appears on credit report and on XX/XX/2022 Bridgecrest attempted to sieze property and XXXX a 3rd party attempted to call and harass me about the property. I was unable to get information from Bridgecrest when I called they said debt written off XX/XX/2022. I have been disputing this with XXXX and XXXX but they have failed to update balance with settled amount or pays as agreed status. As a result this has caused continued harm to credit reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair credit reporting act EXPERIAN has violated my rights. 15 u.s.c 1681 section 602 A. States i have the right to privacy 15 u.sc. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

PLEASE SEE DOCUMETS I OBTAIN FROM THE COURTS STATING THAT THEY DID NOT FURNISH ANY BANKRUPTCY ON MY REPORT. 

EXPERIAN HAS YET TO RESPOND CERTIFEID MAIL # XXXX SENT XX/XX/2022 AND DELIVERED XX/XX/2022
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of incorrect accounts from my credit report. Can you review the documents? Some accounts have errors in reporting, including inaccurate amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX and XXXX  is reporting inquires to my credit from UNKNOWN SOURCES without my consent or knowledge. 

XXXX  is reporting 17 INQUIRES EQUIFAX is reporting 11 INQUIRES XXXX  is reporting 8 INQUIRES
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain inquiries from 
my credit report, as I am a victim of a data breach and identity theft. Under 15 U.S.C.  1681c2(a) and FCRA  605(b), I am entitled to have unauthorized or fraudulent information removed 
from my credit file to ensure its accuracy.
Please remove the following unauthorized inquiries from my credit file:
XXXX XXXX XXXX XXXX
Date of Inquiry: XXXX
XXXX XXXXXXXX XXXX
Date of Inquiry: XXXX  XXXX  XXXX
Date of Inquiry: XXXX XXXX XXXX XXXX
Date of Inquiry: XXXX XXXX XXXX
Date of Inquiry: XXXX XXXX XXXX XXXX XXXX
Date of Inquiry: XXXX XXXX XXXX XXXX
Date of Inquiry: XXXX XXXX XXXX XXXX XXXX
Date of Inquiry: XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry:XXXX
Product: Credit card

I currently have a Banana Republic Store Credit Card. I have had the card for over 20 years and am in good standing with the account. Banana Republic decided to turn over their credit card business to Barclays. I received a letter in the mail last week with a new credit card except this card is a Banana Republic Master Card. The communication also stated that I need to activate this card, and this will replace my store credit card. I have no interest in having a new master card, so I called them. They told me that I received a communication in XXXX  ( which I do not ever remember receiving ) that stated if they did not hear back from me with a desire to keep my current card by the end of XXXX, my account would migrate to a master card account. I told them that I do not ever remember receiving the communication and wanted to keep my current card. I was told that since I missed the period for communicating back to them in XXXX, that my account will be moved and there is nothing I can do about it. The person also refused to let me speak with a supervisor. So, I told them to cancel that master card account. This is bad practice and wonder if it is even legal.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The Company Continues To Report Inaccurate Reports To My Credit Report Even After Reaching Out To The Creditors And Letting Them Know About Me Being A Victim Of Identity theft! My Sibling, Deceased Father, & Another XXXX XXXX Had Stolen & Was Using My Credentials And Is Reported And Disputed This Matter And Accounts And Etc With Usaa Several Times as well as XXXX
Product: Debt collection

My daughter was contacted by XXXX XXXX of XXXX XXXX, XXXX claiming that she had a uncollected debt in the amount of {$1900.00}. She asked XXXX XXXX to contact me and I had a telephone conversation with him in which I asked him to email me the supporting documentation verifying the information. He emailed me a file which I can summit. The file gave no details as to the origin of the supposed debt nor any support to prove the validity of his complaint. I attempted to respond to this email but the email address is evidently invalid - [ mailto : XXXXXXXXXXXX ]. XXXX XXXX continues to phone my daughter with threats of legal action although my daughter has asked that he deal through me. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Fax : XXXX
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 my Police Report/FTC identity theft report ( FTC REPORT XXXX : 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX GEORGIA XXXX GAS XXXX XXXX XXXX XXXX XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains 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 others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I 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: Consumer Loan

I have been attempting to gather the correct balance of my deficiency balance for the past 6 months. I submitted a validation of debt dispute with Rausch, Sturm, Isreal, Enerson and Hornik LLC on XXXX/XXXX/2015 through email along with certified mail. The balance of XXXX was incorrect. I received a response to my dispute of the debt from this law office on XXXX/XXXX/2015, in which they indicated that they verified the debt. Once I reviewed the documentation that Rausch, Sturm, Israel, Enerson and Hornik provide. I noticed that the sale proceeds from my car was never applied to my account balance. I reviewed the documentation in 5 minutes and it was clear that the proceeds had never been applied. Based upon my dispute this company continued to misrepresent my debt balance. Once the dispute was submitted it was on this company or the company that retained them to review all documentation thoroughly prior to responding to my dispute. In which this company did not. This is a clear violation of the fair debt collection act, due to the misrepresentation of the balance that is owed. Please be advised that this loan was originated through first investors financial corporation. This incorrect balance has also been misrepresented on my XXXX credit report as well. This is an issue that XXXX has been penalized for in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified responded to my XX/XX/XXXX complaint ( XXXX ) with a letter with half truths : DCI contacted me several times at the end of XXXX. I received a collection letter dated XX/XX/XXXX on XX/XX/XXXX. DCI contacted me via phone on XX/XX/XXXX and again on XXXX and on XX/XX/XXXX after I had asked them several times not to contact without the proper verification. I stated that I had not received an itemized statement and that I had only received a demand or collection notice. I sent via XXXX a debt validation letter on XX/XX/XXXX, a letter that was not received in Diversified 's office until after XXXX XXXX. on  XX/XX/XXXX, so how on earth could they have responded to my debt validation letter on XX/XX/XXXX if they had n't even received it? I provided to the CFPB the receipts and receipt of UPS letter on my initial complaint, I will submit them again for you to review. Additionally, DCI claims that I requested billing statements, which is false, I requested a detailed itemized invoice of the alleged debt owed and I have not received a detailed itemized statement of the account to date. Diversified failed to provide this within 30 days and I have proof. Diversified did n't respond to my XXXX/XXXX/XXXX and they completely omitted it from their statement. Why do you suppose that is? Because Diversified did not follow the proper protocol and still reported a debt that has not been validated which in a violation of my rights under the FCRA.
Product: Credit card or prepaid card

On Wednesday, XX/XX/2023, I received an email from Chase alerting me that someone had requested a new card from my account. On Thursday, XX/XX/2023, I also received a phone call from a man claiming to be from Chase, saying there were fraudulent charges on my card and to confirm my credit card number. I called Chase using the number on the back of my card and they alerted me that someone I did not know had added their name and personal address to my account and added themselves as an authorized user. This person also requested a new card under my account. I worked with Chase to lock my account and issue new cards.
Product: Debt collection

No. XXXX. The matter is reported to the authorities. United States Department of Education, get these perjurous, panhandling frauds out of my inboxes. XXXX XXXX XXXX  XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.