23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX where I make a XXXX dollar minimum payment. I recently have gone through financial hardship and have been late on making one payment in XXXX of XXXX that was 30 days late. Since then I have paid off the card and have been current ever since.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, & XXXX NEVER perform a real Investigation. Therefore, I have commenced the process of litigation in the federal court system... .. ... XXXX XXXX To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case NoXXXX XXXX XXXX XXXX in The Central District of Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : 1 ) XXXX XXXX XXXX {$530.00} acct # XXXX 2 ) XXXX XXXXXXXX {$63.00} XXXX 3 XXXX XXXX XXXX XXXX {$370.00} acct XXXX 4 ) XXXX XXXX XXXX  {$300.00} XXXX. 
. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose.

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following inquiries are at issue : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, EQUIFAX MORTGAGE, XXXX
Product: Credit card

citi became the new credit issuer for best buy and home depot. I was then discovered that my spending limits were slashed for no reason and was never notified. Never late with payments. I then notified citi I was cancelling this acct. They immediately shut down my on line access and since I went paperless, there was no way for me to pay my bill. I called again and they said when accounts are cancelled, so is the on line access. They then said they would send a paper bill but it would take a while. And in the mean time, they reported to the credit reporting people that my acct was 2 months late and my score dropped XXXX points, greatly hindering my abilities to obtain anything. They should have told me about shutting down my on line access when I cancelled my acct but they didnt. I am sick by what they have done to me as its taken me a while to rebuild my credit over time and they just ruined it and me. Some action needs to be taken against these criminals.
Product: Credit reporting, credit repair services, 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 XXXX : XXXX XXXX, Account Name : XXXX XXXX XXXX : XXXX XXXX, Account Name : XXXX XXXX : XXXX XXXX, Account Name : XXXX : XXXX XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX : XXXX XXXX. 
Account Name : XXXX : XXXX Account Name : XXXX : XXXX Account Name : XXXX : XXXX Account Name : XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX : XXXX 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 : Also states a consumer reporting agency can not furnish my account without my written permission.

15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains 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.

5 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: Checking or savings account

I called at XXXX on XX/XX/XXXX to see if there was any update regarding the security appeal form I sent, after speaking with the representative named XXXX from the savings account customer service department he informed me that there was no update on the appeal and no additional information can be provided by NFCU due to me providing the same information over the phone and therefore they can not, again I repeat they said that my funds CAN NOT be released due to not enough relevant information provided, so then I proceeded to ask if there was any particular documentation that they need so I can happily provide that to them, but due to privacy and security concerns they are unable to help me further, I asked if there was any way they can pull the call reguarding this information and he said all calls are recorded so yes they can, I asked his name and said name was XXXX he couldnt provide me with a badge or employee number so. Just notated his account. 

If there are any discrepancies with NFCU Id definitely ask them to pull the call from today which was on XXXX on XX/XX/XXXX. 

Thank you for your time and consideration.
Product: Debt collection

I have recently obtained a copy of my credit report, which revealed the presence of an account allegedly being collected by your agency ( XXXX XXXX  ). Upon careful review and analysis of the information provided, I believe there are inaccuracies in the reporting of this debt. I have no legally enforceable contracts or affiliations with these accounts or companies. I did not authorize these accounts on my credit report. Including multiple violations of the Fair Credit Reporting Act and consumer law processes designed to protect me from illegal and unethical reporting. I expect that you thoroughly investigate that EVERY NECESSARY STEP AND PROCEDURE WAS COMPLETED BEFORE RESPONDING TO ME. IF NOT, YOU ARE OBLIGATED TO REMOVE EVERY ACCOUNT LISTED IMMEDIATELY. Consider the Fair Credit Reporting Act ( 15 U.S.C. 1681b, 1681c-2, and 18 U.S.C. 1028A ), which requires you to remove all of these inaccurate items from my credit report for legitimate purposes and aggravated identity theft. TAKE NOTE THAT I DID NOT AUTHORIZE THESE ACTIVITIES, AND LEGALLY REQUIRED REGULATION STEPS WERE NOT FOLLOWED. I will fight to have these violations corrected.
Product: Credit card or prepaid card

They refuse to send me something in writing, Ive repeatedly ask to close my account and they havent. Was told by a representative they were not closing my account until I pay Im full. They said the fees and late fees will take on until then. They never told the credit bureaus what I all them to do or what they said they were going to do. They just doing it, from {$250.00} to {$740.00} and growing please help me. This is really stressing me out, XXXX Veteran with XXXX. I dont ever want anyone else to go through this.
Product: Debt collection

Equifax is continuing to report errors and inaccurate information on my credit Report from the collection agency XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX on three separate accounts. 

Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 

It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher XXXX XXXX XXXX XXXX ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
Product: Checking or savings account

On XX/XX/2020 I got a email saying my account was in the negative. I logged on to my Chase JP Morgan Bank account I found a withdrawal of {$6700.00} and another of {$230000.00} plus ( I don't remember the account balance ) but it was over {$230000.00} I called the bank and they had closed the account they told me they would be mailing me a check for the balance of the account. They gave me a phone number to the Fraud department I called them on Saturday XX/XX/2020 and asked what was going on? They said they closed my account and they did not have to disclose why and that I could never have a Chase account again. I have not received the balance of the account no notice the account was closed nothing. Chase Bank has removed the checking account from the online Banking so I can not give you the exact Balance of the checking account.
Product: Credit card

Pal Pal Credit line made encouraged my response on every purchase to use their credit plan and defer payments for 6 mo with no interest. At the end of that 6 mo all the accrued interest was charged. The initial offer had no mention of this and the assumption was that in order to start using their service they were offering this 6 mo grace period without interest. I have sent a note to them that it was deceptive and unethical with the expectation that the customer will miss or forget to pay before the deadline and incur six months of interest. When I called the agent was clear that it was in writing and when looking back I did have to dig to see this disclosure.
Product: Debt collection

I talked to Midland funding by and tried to resolve this with XXXX XXXX he said he would not do anything for me to make payment arrangements he would not even try anything he was going to garnish my wages for the whole amount the only way to stop it would be to pay him the full amount very rude very nasty very threatening was not helpful at all try to resolve this they just won't do it I will lose my job if they garnish my wages please stop this company from harassing me and trying to get me to lose my job tried numerous times to make arrangements with them
Product: Debt collection

On XX/XX/2023, I mailed Resurgent Capital Services L.P/LVNV Funding LLC an initial letter requesting full debt validation of the alleged debts in question : Account # XXXX, # XXXX, # XXXX, # XXXX ) via Certified Mail. Resurgent Capital Services L.P/LVNV Funding LLC received my initial letter on XX/XX/2023. After XXXX days, I did not receive a response from Resurgent Capital Services L.P/LVNV Funding LLC , so I mailed my second letter requesting full validation for the alleged debts in question again via Certified Mail on XX/XX/2023. Resurgent Capital Services L.P/LVNV Funding LLC received my second letter on XX/XX/2023. After waiting for an additional XXXX days, Resurgent Capital Services L.P/LVNV Funding LLC failed to send their responses. 

On XX/XX/2023, I received a letter from Resurgent Capital Services L.P. stating that the alleged debt was placed in their prelegal collection track on XX/XX/2023 and will soon be reviewed for further action and may be forwarded to an attorney to review for possible lawsuit. I have never received any correspondence for my previous requests for proper debt validation of said debt from Resurgent Capital Services L.P. and now I am being threatened with legal action when this company has yet to properly validate alleged debt ( s ). Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify the alleged debt ( s ). I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified mail. These debts are not mine and I was given no evidence of my obligation to pay this debt to this collection agency. As a consumer, it deeply concerns me that, despite my written disputes and the absence of proper debt validation, Resurgent Capital Services/LVNV Funding LLC has continued to report these alleged debt ( s ) on my credit reports as of XX/XX/2023, which is considered a collection activity, according to 15 U.S.C. 1692g ( b ). This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress. I do not know who Resurgent Capital Services/LVNV Funding LLC is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt ( s ) nor do I agree with these alleged debt ( s ) on my reports as I never signed anything with such agency.
Product: Debt collection

Commenity Bank over charging for the amount was {$150.00} I have paid that plus more and they are still trying to get money after it has been paid for my Catherines credit card.
Product: Debt collection

I pulled my consumer credit report and saw inaccurate information being reported by a debt collector. This debt collector has not provided evidence that this alleged debt belongs to me. They pulled my credit without authorization when they received my validation letter on XX/XX/2022. I did not give them consent. I have a right to privacy.
Product: Debt collection

Harvard collection. Based on state of Illinois law. You can not try to collect on an overpayment for food stamps or tanf if 12 months has passed from the original time the overpayment was given. They stating they overpaid in XX/XX/XXXX- XXXX from XX/XX/XXXX-XX/XX/XXXX and XXXX from XX/XX/XXXX-XX/XX/XXXX.First notices did not go out until XX/XX/XXXX that I never received mind u I was still getting benefits. The last notice that was sent out was XX/XX/XXXX which I never received. They wait till XX/XX/XXXX to put this on my credit report which could have been done years ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DE XXXX I sent XXXX, Experian, and XXXX 2 letters and My FTC report asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DE XXXX. This is my only name and my only address. I have also attached my FTC report related to the incorrect Information.
Product: Credit reporting

XXXX can not be verified properly. The company that hired this company, XXXX, should have billed my insurance company and failed to do so. My insurance company paid for the emergency room visit. The failure of XXXX to get paid is their own doing. 
The Date Opened on my credit report is listed as XXXX, which is incorrect. The date opened according to FCRA should be XX/XX/XXXX. Thus, this should be removed from my credit report according to the FCRA. 
Lastly, I never received a bill from XXXX XXXX or XXXX. Per my discussion with them in XX/XX/XXXX after viewing my credit report, they asked me for an address because they did not have one on file. They admitted they were mailing to an XXXX address. However, I was a resident in XXXX the entire time in question. 

The attached documents clearly show that the hospital was paid. Therefore, if the ambulance company had done its proper due diligence, they could have been paid as well. Thus, XXXX did not perform proper due diligence to verify the legitimacy of this debt.
Product: Checking or savings account

I was charged 4 times by a company called XXXX. As soon as I noticed these transactions I called to file a claim added my police report along with proof. 3 days later the email me informing the claim was denied and they found no error. Ive never heard of this company nor have I ever done business with this merchant. This totally drained my whole account balance to XXXX dollars with no money I have towards bills, car payments, gas, and food. My whole checking account is XXXX. this is totally unfair and I will be doing everything in my power to get my hard earned money back. And this being the first step. I wont let this be or go Totaling amount {$800.00}
Product: Credit card or prepaid card

I purchased XXXX XXXX XXXX from an online retailer named XXXX payment made to XXXX XXXX on XX/XX/XXXX for {$170.00}. The coins I received were counterfeits. I emailed the company requesting a refund and they wouldn't respond. I then notified my credit card company, Capitol One, and they requested the item description, invoice and company return policy. I sent this information to Capitol One. They gave me a credit on XX/XX/XXXX for the disputed amount, but on XX/XX/XXXX they charged the amount back to my account. I was told they needed more information. They suggested I have the coins appraised by a coin expert. I paid to have done on XX/XX/XXXX and sent them a copy of the appraisal stating the coins were in fact counterfeit. As of XX/XX/XXXX they have not given me credit for them. 
I have attached copies of payment recipe showing amount paid including description, email request for a return refund ( was never answered ) and appraisal from coin experts verifying coins as fake Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$26000.00} ; XXXX XXXXXXXX Balance {$370.00}
Product: Money transfer, virtual currency, or money service

So I was scammed through someone posing to be my landlord. I had contacted them through a posting online in the beginning of XXXX. Then they later claimed they wanted the money through the post office money order. I met up with someone they claimed was a realtor who took my money and id. I was told I could pick up the keys then and I told to get new locks on the XXXX. I was there on the move in day. I found out that the building was owned by someone else. Also that someone else had moved in a week ago. I went to the police to file a report. They told me to check with the three major credit beaureus if there was any credit cards under my name or to inform them. They could only direct me to the FTC, and had me file a case for their detective. Then I went to the Post office but they made me pay a fee to investigate who the check went to. Also they said it would take two weeks to even get my money back. I have to move out soon so this makes it harder as I have to wait and see if theyll even be able to help or give me a not even full but they said a percentage of a refund. On top of this theres a whole secondary process for them to investigate it this further. Then I had to file a case at my bank Wells Fargo but they said because the money order wasnt with them I couldnt get my money back even though theyre the only one I bank with. Its honestly really sad and frustrating the way that the individual must make these leaps and we still have to pay to get our money back even though identity theft and scammers are so commonplace these days. Alongside this I was hoping to get a new numbers for my id, ssid, etc. Attached is the email of the scammer, proof the money was taken, also the contact name they pretended to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is being reported on my consumer report without my WRITTEN CONSENT. I did not authorize any of these companies to report or obtain information to report on my behalf. Please see attached documentation explaining further my concern.