23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX, TN XXXX, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX had ben taken from my NetSpend acct reported disputes I had XXXX from my tax return I did 1 transfer for XXXX nothing afterwards please call me at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 hard inquiries I have already disputed more than once with XXXX in writing for XXXX/XXXX that I never authorized on XX/XX/XXXX and XX/XX/XXXX. I have also disputed directly to XXXX/XXXX and asked for evidence otherwise to submit request to delete to the bureaus immediately. I have this same inquiry for XXXX   on XX/XX/XXXX and have also disputed more than once directly to them. 

I have 2 hard inquiries reporting to XXXX that I also never authorized from Kohls/XXXX on XX/XX/XXXX and XX/XX/XXXX. I have also disputed directly more than once and with Kohls and yet they have not provided evidence because they dont have any and they have not removed the inquiries from my report which is hurting my credit rating. 

This has been a lengthy process of disputing and waiting for responses that has ridiculously taken about 6 months! I know I have a right to either see proof of credit extension or the inquiries must be removed. I also have a Identitytheft.gov formal submission including these inquiries. FTC Report No XXXX
Product: Credit reporting or other personal consumer reports

Good Whatever, My name is XXXX XXXX and I am filing this complaint because this is the XXXX  time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau has not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer are being violated. I am the victim in this situation and I can not even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action
Product: Debt collection

United Accounts , Inc. Is the name of the place here in XXXX nd and XXXX XXXX SD I own them money sadly there one of the company I have to pay I had already agree for them to take {$100.00} out every XXXX weeks I been having such trouble they dont do it I have to call multiple times. There sooo rude its a stress having to deal with a company that wont let me pay off my debt go on XXXX read there reviews, all I want to do its pay my stuff can I just have a different company. Im trying to get a house its kinda hard too when a collection company isnt doing their job. I thought of calling the original people I owe money too, please please help me idk what to do anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear cfpb I have 2 closed mortgages that are not mines XXXX XX/XX/XXXXand XXXX XXXX XXXX XXXX   XXXX. I contacted this company several times. They said they would remove it. Its a closed account that's not mines and I keep seeing on my report. They are both negative with lates. They also put a credit collection for medical the bureau. This is illegal. Please have them remove these lates from my credit.
Product: Payday loan, title loan, or personal loan

I opened a line of credit with Conn 's Appliances on XX/XX/2016. The original amount was {$2000.00} or so at the time of signing the agreement. As i review all payments up until the charge-off, I've paid {$3600.00} to Conn 's Appliances on this line of credit and they're still threatening to take legal action if they don't receive an additional total of {$4200.00} in interest and fees which is absolutely outrageous. I would've paid this account off 3 times with the amount of interest and fees that Conn 's is asking for to resolve this account.
Product: Debt collection

On XX/XX/2023 I received a letter from Resurgent Capital Services. They're attempting to collect a debt that is not owed. Also, they indicated I had until XX/XX/2023 to contact them. I received the written notice with 27 days to respond instead of 30 days as this violates 15 U.S.C. 1692g ( Validation of Debts ). Second, my father received an email from them on XX/XX/2023 showcasing a debt that is incorrectly owed. Under 15 U.S.C 1692c ( b ) ( Communication with third parties ) my rights under FDCPA have been violated. The email indicated a debt that was incorrectly owed, the amount of the debt that was incorrectly owed, and as discussed before this email was sent to my father. As in reference to 805 ( c ) of the Fair Debt Collection Practices Act, my rights have been violated as I am not a minor, and I never gave Resurgent Capital Services permission to speak to me or a family member on a debt that is incorrectly owed. As of XX/XX/2023 I am putting Resurgent Capital Services on notice to cease and desist communications with me as supported by 15 U.S. Code 1692c. I will provide documentation of the email Resurgent Capital Services below, and where my father attempted to respond & no answer was given by Resurgent Capital Services.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the following fraudulent accounts with the three credit bureaus but TransUnion is still reporting : XXXX XXXX {$2500.00}, XXXX XXXX {$5100.00}. I have also filed an identity theft report with my disputes and while XXXX and XXXX rectified this issue, Transunion has not even responded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit report agency, I am writing to dispute the accuracy of the information contained in my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to delete inaccurate information from credit reports -XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX I demand these accounts be deleted from my hard inquieres their unauthorized inquiries If you continue to report this in my credit report it will only compound the legal consequences you will face. I urge you to do the right thing Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is reporting on my credit. XXXX, XXXX and Experian are reporting different information about the same account According the FCRA and account should report accurate information like payment status, last day of activity. 

I have disputed several times with the credit bureaus the FCRA VIOLATIONS but they do not update ANYTHING
Product: Debt collection

I never received any information about the debt that the company bought to collect. I never received any phone calls, emails or mail about the debt they are trying to collect, but they reported it to the credit bureaus and its now on my credit report. I dont know how to contact them about the debt because I dont have any of the account info to look it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not allow me to freeze my credit report on line. XXXX XXXX and XXXX  both had simple processes to accomplish this but Experian, which allowed me to open an account, only directs me to their service which charges {$19.00} a month to lock my account. Experian has a separate page to enter data to freeze my report for free but it either errors out ( example requires a pin of 5-10 digits, when entered, it says error must be 5-10 digits ) my other option was to applet them give me a code. When I chose this option they said they could not identify me and that I would have to mail considerable information via hard copy to them. This when I was logged in just fine 5 minutes earlier using the same information on the site where I would have to pay {$19.00} per month to freeze my credit. This company is clearly making something consumers are entitled, under the law, for free so hard to get that people will pay them {$19.00} instead. Given that the process at the other two companies is simple and free it is obvious that Experians intent is to channel the consumer into their fee for service on line tool! Devious and deceptive business practice.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I lost my Job and fell behind in mortgage payments with XXXX. My mortgage was transferred to Seterus. XX/XX/XXXX, loan is in default, payment of {$2200.00} to bring it up to date, pay by XXXX XXXX, XXXX in addition your regular payment may become due by the expiration date. XX/XX/XXXX paid {$2500.00} certified check with us keeping a copy. XX/XX/XXXX. shortage of {$3300.00} for your convenience we will spread out your payments over the next 12 months. This came with a new mortgage escrow statement adding {$270.00} over 12 months. you may pay the shortage in full by sending. A check for $ XXXX.Spoke to XXXX XXXX who proceeded to tell us to make the necessary payments before XXXX XXXX to avoid escrow another {$900.00}. XX/XX/XXXX sent another {$900.00} ( spoke to XXXX XXXX Seterus to confirm ) ( have copy of certified check ) to fulfill escrow. XX/XX/XXXX cashiers check {$1100.00} ( have copy ) XX/XX/XXXX sent another cashiers check for {$3300.00} ( have copy of certified check ) continued to pay escrow and mortgage payments on time until XX/XX/XXXX! money owing was paid up front with documentation of certified checks to prove it, escrow was for 12 months even though we did n't owe any escrow. but they continued to take escrow from XX/XX/XXXX- XX/XX/XXXX, exceeding the escrow amount even if we did owe it. XX/XX/XXXX they did a review and paid us back {$2500.00}? we have a copy of all certified checks and all documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act FACTUAL DATA, XXXX XXXXXXXX, XXXX and XXXX XXXX XXXX Accounts, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I have already sent dispute letters to credit bureau explaining to them that they have my name filled out improperly and I have other personal info listed that does not belong to me. Problem was not fully resolved.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, XXXX, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Prepaid card

I was recieving unemployment benefits from XXXX and i worked prior to the pandemic and paid taxes in XXXX and XXXX. 
XXXX cut my benefits in XXXX XXXX but i am recieving notices they want me to repay what i recieved. 
Then another notice stated i was still collecting unemployment but in an account i didnt know of or did not have access to. 
Then my stimulus payments were paid into an account i dont have access to or aware of.
Product: Checking or savings account

Im not sure of the dates, but I know it was between XXXX and XXXX I had Wells Fargo Checking with my wife XXXX XXXX XXXX and we have not received any compensation for the overdraft fees and illegal things they did to our account. 

We also had an automobile that ended up being repossessed by them, but again Im not sure of the dates, but Wells Fargo should have them. 
Again we have never been contacted by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the 2nd time in 2 days, I got denied a loan because they think my car was repossessed by XXXX. Whatever lingo is in the community as far as reporting, they are using words that make it appear I defaulted on this loan. I did not default on this loan. I was severely hit by a drunk driver who totaled my car. My insurance paid the majority of it and the rest is really interesting to me. XXXX at last minute during the approval process enforced that I include their GAP insurance protection, and it was sold to me, as a no worry, 2nd form of protection so if anything like what happened to me happened, I was covered. So somehow, between XXXX XXXX XXXX who I have already had to take to court and XXXX, they seem to have left {$1000.00} on my account and they opened it after the load and then closed it and I see that that is why everyone thinks that I had a repo. Because they think it was to court or diminished value. This needs to be reported as an accident or if closed removed. I would like to see the details of this GAP insurance i paid for that was either around or more than the total of what they have left on this account. You can not report these things like this and aim to damage someone's reputation who was a victim of a drunk who chose to drive and hit someone. I have two people now who have denied me and I am enclosing the angry conversation I had with one Finance Dept Individual who was XXXX enough to say in text what she thought, but it will help me prove my point of damage.
Product: Credit reporting or other personal consumer reports

BMO took over an account from Bank of the West for a RV loan. They reported missed payments to the credit bureaus. They reported a new loan rather than a transfer. Both are inaccurate information and affected the credit score. I have proof that all payments were made on time.
Product: Debt collection

Capital Accounts claims that I owe a debt # XXXX for {$3000.00} from XX/XX/XXXX. They say they are from XXXX?? 

I explained to them that this debt is not mine. I also explain to them that I was incarcerated in a Federal prison in XXXX?? It would have been impossible for me to make these charges!! 

I never signed and document of agreed to any of the charges they claim. they are not my charges. I have been divorced since XXXX. I believe these bills were made by my ex-wife. I know nothing of these bills, nor was I ever called to authorize them or assume responsibility for them. 

I have asked Capital Accounts SEVERAL TIMES to remove this item from my credit report. I also asked them to provide me with PROOF of these charges and PROOF that they are mine. They have informed me that they have NO supporting documents to supply me!! 

This item # XXXX has to be removed immediately! It is over 11 years old! It is  unlawful to makeup charges and attach them to someone credit report without any supporting documents or proof that the claim is valid. 

Please have them remove this item from my Credit Report with XXXX, XXXX  and XXXX XXXX Immediately. Thank you I XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX 1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX * ACCOUNT XXXX
Product: Checking or savings account

This complaint would be a follo0w up to two previous complaints # XXXX filed XX/XX/XXXX, and # XXXX, filed XX/XX/XXXX. 

On XX/XX/XXXX a stamped letter was sent to XXXX XXXX, Senior Vice President, Wealth Management, who would be the person who last responded to my concerns about the accounting of my fathers estate, requesting : 1. A copy of the revised XX/XX/XXXX XXXX tax document filed with the IRS in XX/XX/XXXX by Northern Trust. 

2. All correspondence and tax forms filed with the IRS on behalf of my fathers estate.

3. Copies of all legal invoices billed to, and paid for, by the estate after those received for XX/XX/XXXX. 

As their was no response to the stamped letter, a certified letter was sent XX/XX/XXXX to which there was also no response. 

My complaint would be that this information requested would be within my legal right to review, but XXXX XXXX did not respond to my request for this information.
Product: Debt collection

Conversations via phone and mail were held by power of attorneys and XXXX representatives. They have failed to verify or validate their claim according to law. When identity theft was suggested, they removed a few of the reports from the bureau but not all. This situation dates back beyond the statute of limitations of any debt. This is the final attempt to have XXXX cease and desist before we pursue litigation for false reports, libel, and other violations of the FTC and the FCRA. 

The claim now is dated for XX/XX/2018. Clearly XXXX continues to not only falsey report an invalidated claim, but unlawfully renewing a claim which they initially dated a decade ago. 

C/O XXXX Account Claims # 's XXXX,XXXX,XXXX,XXXX
Product: Credit card

In XX/XX/XXXX I believe I attempted to close my account. I tried to do so using the mailing service. 
In XXXX around the same time, which is XXXX, I was told I had a bill. I tried to close the account again and I paid the bill in order to talk to someone to get the account closed.

Now today, I have received a phone call saying I owe them My card fee plus a late fee. I dont use this card. I even have the unactivated card in my wallet. Its about to expire. It has not been activated. I cant contact a person to close my account. I just go through an automated service.

It is a Best Buy credit card with Citibank as the issuer. I refuse to keep paying for a card I dont use.
Product: Credit reporting or other personal consumer reports

In accordance to Fair Credit Reporting Act, this debt collection agency, Resurgent Capital Services, also DBA XXXX XXXX has violated my rights under 15USC1681-SECTION 602 which states that I have the right to privacy. Under 15USC1681-604A SECTION 2, it states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B it also states a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

This debt is inaccurate, and reporting this information on my credit is a direct violation of the law. I request it be removed from any credit bureau it is being reported on.
Product: Credit reporting or other personal consumer reports

I did not see anywhere to put an update on my initial complaint, so Im adding it here. 

I have sent Experian the dispute letter requesting proof of their investigation as to how they validated the debt and I did not even receive a letter response back at all! Nothing even telling me that they did the investigation. It has been over 30 days and in their response on the initial complaint, they clearly state I would receive their response in 30 days. They failed yet again to follow the law as well as their own word. I expected a letter detailing the results of my dispute and I have received NOTHING AT all! Nothing from the XXXX letter of XXXX letter. They have not sent me any details on their investigation let alone the proof of how they validated it, yet EVERYTHING remains on my credit report! They are not following the law that they should be held to! They should legally delete all the negative items they have not sent me the proof I asked for. I have since sent A THIRD dispute letter!!!!!!!