23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from Afni , Inc in XXXX XXXX requesting payment for debt so I asked them in writing to provide me with a breakdown vial USPS mail of what I allegedly owe as well as documents from XXXX XXXX XXXX with my signature agreeing to this account as I suspected fraud. They never responded. After contacting the XXXX about this in XXXX, Afni now states that I have a past due XXXX XXXX XXXX account in the amount {$120.00} from XXXX ( yet they have listed this account as being opened in XXXX on my credit reports ) and included past due bills as verification that this account was mine. I expected to see an actual breakdown of how they came up with {$120.00} or notice from XXXX XXXX XXXX that has my signature agreeing to this service. They have not produced that information to me and by attaching bills, I believe they know this account is n't mine nor can they prove it but they want to bully me into paying a debt that I NEVER owned.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

I am sending this complaint to demand the immediate removal of fraudulent information from my credit report. This account is fraudulently opened in my name without my authorization, and its presence on my report is damaging my creditworthiness. 

XXXX XXXX XXXXXXXX. 

This account is NOT mine. I have been a victim of identity theft, and I did not open this account. I demand that this fraudulent item be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THE ACCOUNT REMOVE OFF MY CREDIT FILE. THIS ACCOUNT IS A CLOSED ACCOUNT THAT IS REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Product: Credit reporting or other personal consumer reports

Please check the information concerning Equifax data breach below in attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent accounts and information 's in my file. The items I need deleted are listed in the report. I have been a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items as soon as possible : 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 Balance : {$0.00}. Also, I have been requesting that you send me copies of proof of verification or proof of ownership regarding these items and yet I received nothing. Your continuous reporting of the disputed accounts and information is in violation of my Consumer rights under the FCRA. I demand you to please remove the disputed items from my Credit File.
Product: Debt collection

i recently went online a obtain a copy of my 3 credit reports and noticed accounts i did not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. Section 1 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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, 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 n accordance with the Fair Credit Reporting act XXXX. XXXX XXXX XXXX # XXXX, 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
Product: Credit card

I applied for a credit card with Wells Fargo using my home telephone number which is a landline. However, they said I can not sign up to view my account online with a landline. They said a mobile phone is the only way they can securely verify me ( they had no problem issuing a card, however ). I've never heard of such a thing. My bank, other cards, and even Social Security have no issue sending me codes by email or calling my landline ( I'm on XXXX due to XXXX XXXX ). I've explained to these people that I struggle with small devices due to my XXXX XXXX I like to set up alerts on my accounts so I can spot any suspicious activity right away as well as keep track of my finances. 
I first called on XX/XX/XXXX ( XXXX ) .I was told I couldn't have an online account with a landline phone for security purposes ( my landline is actually tied to my home... a mobile phone could be lost anywhere ... makes no sense ). I was transferred to another person and got the same story. 
I filed a BBB complaint # XXXX, but they haven't responded to that complaint. 
On XXXX someone from Wells Fargo called me XXXX ( I believe her name was XXXX? ). Essentially I was told the same thing. She said she would escalate it and send me a letter about our call. I haven't received the letter yet. 
On XXXX I called Wells Fargo again XXXX. I'm told the same information and got transferred. The person I got transferred to gave me the same information and again... putting in an escalation. She told me I could go to a branch and really be pushy with them. There isn't a branch in my city. I only drive local because of my XXXX and I shouldn't have to go into a branch and cause a commotion. It's not the way to act and with my health I can not deal with these unnecessary stressful situations. I've never dealt with a bank like this and I shouldn't have to be discriminated against because I have a landline and having a big desktop or laptop screen is easier with my XXXX XXXX
Product: Credit reporting

XXXX previous CFPB complaints for the same issue still unresolved. 

Company is unable or unwilling to send my National Consumer Telecom & Utilities Exchange report I asked for via postal mail. 

CFPB complaint # XXXX - No report was ever received. Company claimed to have mailed it out. 

CFPB complaint # XXXX - Company mailed me an XXXX report I did n't ask for.
Product: Debt collection

On XX/XX/XXXX I paidXX/XX/XXXX XXXX dollars to settle an account for XXXX. 

XXXX stated that the account would be removed from all of my credit reports once I paid the account Jefferson Capital had the XXXX Account before XXXX. When I contacted them to pay the debt, they forwarded me to XXXX. 

On XX/XX/XXXX, I checked my credit report and Jefferson Capital was still reporting the debt. 

Jefferson Capital will not remove the information because I did not pay them. 

Resurgent can not remove it because it is not authorized to remove information from another company
Product: Mortgage

URGENT- PRE FORECLOSURE in our Property. 
Me and my brother in law bought a house in XXXX. We did a subject to contract. A real estate agent contacted us about this property that was for sale and stated that he worked before with the selling company. the property is titled under our name And the mortgage is assumed to the new owner. We invested more than XXXX on closing and repairs at the property. The seller was behind on her payments and found a company called. XXXX XXXX XXXX oering the option to sell the house and pay her arrears on the closing. This company sold the property to us making their profit. We wired the money to the attorney oce ( XXXX XXXX XXXX XXXX ). The agent told us that the property price initially was XXXX and one day before the closing the price was XXXX due to the language barrier we didnt understood the reason and asked the agent for a explanation. He didnt clarify why there was an increase but justified saying that our loan would stay at XXXX as he promised. Two months after the mortgage contacted the seller asking for XXXX unpaid balance. Now she contacts the selling company ( XXXX XXXX XXXX XXXX and they dont answer her calls again. And the agent communicates with us telling the same thing. Theyre not answering his calls either. Days after the bank sent a pre foreclosure notice giving us 45 days to pay the unpaid balance if not the house would foreclosure in XX/XX/XXXX. 
Me and my family are devastated with the whole transaction we dont want to lose the house we have been aected financially and emotionally. Since XXXX we have made 4 payments to SECU mortgage and all that money went to the unpaid balance including fees charged. We invested all of our savings in this house. Were asking for help and review the whole transaction and compensation for all the damages caused to our family. We contacted the attorney and the agent and now no one is taking responsibility over this transaction. The bank is requesting the loan to be pay off due to not communicating with them about the transaction apparently no documentation was sent to the mortgage company
Product: Checking or savings account

My Citibank account was locked XXXX XXXX for no reason and I am not able to withdraw my {$880.00} that's in my account. I was never sent any documents with my account number and I don't know my security word in order to get through and have the bank reset my account or get temporary access to my account!!! Please will you help me get my money out from the Citibank account!!!!
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH XXXX, AND TRANSUNION, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

XXXX : XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XX/XX/2023 XXXX. The following personal information is incorrect Employers : XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX Account Number : XXXX Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

TRANSUNION : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX  NM XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX Account Number : XXXX Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please remove this inaccurate information from my credit report
Product: Credit reporting, credit repair services, 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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit reporting act this creditor has violated my rights. Under XXXX5 USC 1681 SEC 602, states I have the right to privacy. 15 USC 1681 SEC 604A SEC 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

On XX/XX/2019, someone walked into the TD bank on XXXX XXXX in XXXX,  NJ, and withdrew a total of {$2500.00} from the TD bank checking account I share with my wife. I live in Connecticut and have never banked in NJ. Two withdrawal slips were submitted for {$240.00} and {$2300.00}, and my last name was wrong on both slips ( it was my wife 's last name ). My first name was also spelled differently ( and incorrectly ) on one withdrawal. My signature was forged badly, and inconsistently on each withdrawal slip ( one included my middle initial, and the other did not ). No amount was written out on the first withdrawal, and on the second withdrawal the amount written out was XXXX XXXX XXXX but the numerical amount was XXXX. The date on that withdrawal was also wrong ( " XXXX ) It appears the bank teller wrote out my account number, and also my drivers license number. It is not clear whether the teller had this information already, or was given it. After the transaction was approved, and someone walked off with {$2500.00} in cash from my account, TD bank froze the account -- apparently discovering the fraud too late -- but never informed me of the fraud or the fact that the account was frozen! As a result, several auto-pays I had set up from that account failed, and I was charged by the intended recipients for those failures. 

I reported the crime to my local precinct, and to the XXXX NJ police, but despite contacting the bank numerous times, I have yet to hear from anyone from TD bank 's fraud department, and yet to receive credit for the money stolen. 

It seems clear to me that the bank was grossly negligent, at best, and someone at the bank may have been involved in the crime. Can you help me?
Product: Money transfer, virtual currency, or money service

Im filing a complaint where I sent wrong person money an paid for items an was blocked immediately that wasnt an cash app was no help at all
Product: Debt collection

Portfolio Recovery continues to call me on a debt that passed the Florida statute of limitations 5 yrs ago. I have advised them of this on the last few phone calls and that I would be notifying the proper authorities and they CONTINUE to call.
Product: Credit reporting or other personal consumer reports

Please DELETE this account, XXXX XXXX XXXX XXXX XXXX Inaccuracies Identified Across Credit Bureaus Date Opened Discrepancy : Experian reports the date opened as XX/XX/year>, while XXXX lists it as XX/XX/year>. 
This inconsistency violates FCRA Section 611 [ 15 U.S.C. 1681i ], requiring accurate and consistent reporting. 
XXXX.Balance Reporting : The account balance of {$590.00} is inconsistent with the reported high credit of {$550.00}. 
This contradicts Metro 2 Compliance Standards, which mandate accurate representation of account balances and high credit. 
XXXX. Payment Status and Reporting Issues : Both bureaus list the account as XXXX without providing verifiable documentation to substantiate this claim. 
This violates FCRA Section 623 [ 15 U.S.C. 1681s-2 ], which requires data furnishers to ensure accurate reporting and provide proof upon dispute.

3. Inadequate Documentation of Collection Activity : No verifiable documentation has been provided to substantiate the collection claim, as required under FCRA Section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The List below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX Has Violated my rights. 15 U.S.C 1681 SECTION 602 A States I have a 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 agencies 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 7 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

on XXXX i sent the credit bureau a dispute letter with a FTC identity theft report concerning some accounts that were opened fraudulently. They didnt respond to my request to delete the false accounts. I am asking the deletion of these accounts.
Product: Debt collection

XX/XX/XXXXXXXX  YOUR ACCOUNT NUMBER : XXXX Agreement with : XXXX  XXXX Current Balance : {$300.00} Dear XXXX, Your XXXXXXXX XXXX XXXX electronic statement is available for viewing. Visit XXXX Account Center for details. 
You may access your account online anytime by visiting XXXXXX/XX/XXXX Account ending in : XXXX Statement Balance : {$980.00} Minimum Payment : {$90.00} Payment Due Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Welcome! Your XXXXXXXX XXXX XXXX XXXX account ending in XXXX is being acquired from XXXX ( XXXX ) by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and effective XX/XX/XXXX, will be replaced with a XXXX  XXXX account issued by XXXX ( the XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 or other personal consumer reports

I recently reviewed a copy of my credit report and noticed it had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account number : XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below XXXX XXXX XXXX  Account number : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A states i have right to my privacy.

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. 


In accordance with the Fair Credit Reporting Act. The List of accounts below XXXX XXXX Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A states i have right to my privacy.

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. 



In accordance with the Fair Credit Reporting Act. The List of accounts below XXXX XXXX  : Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A states i have right to my privacy.

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 card

I used a balance transfer on my Union Plus credit card to pay off other credit card.s. My minimum payment was {$25.00} a month. I made monthly payments of {$50.00} a month. XX/XX/2016 my minimum payments doubled from {$25.00} to {$56.00} a month. According to representatives XXXX and XXXX, this was because my account started accruing interest. This does not explain why my minimum payment almost doubled. I do not use this card for purchases. It was strictly to transfer a balance from another credit card. Capital One has now added late fees of {$35.00} to my account since XX/XX/XXXX which they refuse to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, INQUIRIES, OR PERSONAL INFORMATION IN DISPUTE AT ALL. UPDATE IMMEDIATELY, AND EXPEDITIOUSLY, THE ACCOUNTS BELOW. Peace and blessings! See XXXXXXXX XXXX Correction Letter below. 

UPDATE AND CORRECT IMMEDIATELY : - XXXX XXXX XXXX : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX