23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : Personal Business Matter XXXX XXXX XXXX XXXX Fri XX/XX/2019 XXXX XXXX  Claims, Disputes, Receipts To : Customer Service ( XXXX ) ; To help protect your privacy, some content in this message has been blocked. To re-enable the blocked features, click here. 
To always show content from this sender, click here. 
Per my attorney, and the the FTC.gov, put your complaint in a letter and mail it. I will not be downloading any PDF files, nor uploading any of my personal info. Stop emailing my business, or you will be blocked. Have a good one. 
From : Customer Service XXXX Sent : Thursday, XX/XX/2019 XXXX XXXX To : XXXX Subject : Personal Business Matter Your eDocument is best viewed using the latest version of the Adobe Reader - get it here XXXX Welcome to eNotice - Please review this email carefully. This email has been automatically generated. 
Use the link in the contact us section to send an email response. 
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2. Please type the last 4 digits of your Social Security # to open the secure enotice pdf. 

We are committed to customer satisfaction. If you have any questions, please reply to this email or call Customer Service at XXXX. 

Sincerely, Customer Service XXXX Your eDocument is Secure This eDocument is encrypted for your protection. To view the document Please type the last 4 digits of your Social Security # in the Password field of the PDF. 

XXXX Get Adobe Reader You'll need the Adobe Reader to view your secure eDocument. Get it now. 
You may contact us at : Customer Service Department XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX Email : XXXX Unsubscribe Instructions If you do not wish to receive these emails please unsubscribe.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX || Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   shows medical bills unpaid that should not effect my FICO score   XXXX    dropped my score over  XXXX  points due to these outstanding medical bills that insurance failed to pay.   Additionally  XXXX  should not effect fico score based on new law passed No other reporting agency shows these medical bills I have asked several times to have removed by  XXXX  and they continue to ignore my request!
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear Equifax, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong. PLEASE FIXEVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : PLEASE UPDATE MY NAME TO : XXXX XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX MY ONLY SOCIAL SECURITY NUMBER : XXXX MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

PLEASE REMOVE ANY OTHER PERSONAL INFORMATION YOU ARE CURRENTLY REPORTING AS THEY ARE NOT ACCURATE. PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, 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. I HAVE ATTACHED MY IDENTIFICATION CARD FOR YOUR VERIFICATION.Please send me a new report when you are completed so I may continue to verify its accuracy. 
Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  wrongfully reported my wife and I during the government shutdown last year XX/XX/2019. They eventually acknowledged and removed that 30 day late status XX/XX/2019, but our 70 points taken off from each of us never returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Citi Bank choose to automate their responses and limit their options and communication. It's frustrating to use a touch tone phone and not get the assistance needed. The lack of conversation is outrageous. Nothing is black and white especially when it concerns credit. 

Please address this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I mailed all the information requested to XXXX. I registered on line to dispute. Online will not let me continue, it says I am already set up. XXXX XXXX XXXX, my drivers license number is XXXX. I recently updated the address to reflect XXXX XXXX XXXX XXXX. I mail a copy of my XXXX tax return. This information is prior to two months. I filed bankruptcy in XXXX. The addresses shown on the credit report are XXXX XXXX XXXX XXXX XXXX TN XXXX. The spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TN XXXX, the spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX. XXXX XXXX XXXX XXXX TN is one Of The addresses used by me. The case number is XXXX. The property at XXXX XXXX XXXX XXXX TN XXXX was foreclosed on. The Trustee was XXXX XXXX. XXXX XXXX XXXX an agent for XXXX XXXX is on my report. XXXX XXXX XXXX XXXX in XXXX TN is on my report. XXXX XXXX XXXX XXXX is on my report, account number XXXX. XXXX XXXX is on my report. An inquiry was done with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX handled the bankruptcy case. Attorney XXXX XXXX filed the case. Attorney XXXX XXXX XXXX also helped with the case. The tax transcript I filed with IRS shows I filed my return with XXXX XXXX  {$19000.00}. Refund in the amount of {$1700.00} was applied to balance with IRS. Fraudulent transitions are being reported to IRS using my social security number. IRS have my current address on file XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My former employer ein number is XXXX. {$23000.00} was reported to IRS when I was laid off on XX/XX/XXXX. A fraud tax return was filed using my social security number. I 've reported to IRS using XXXX form for investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A. States I have the rights 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a mortgage with Chase for almost 20 years. A couple of years ago I opened an " Ink '' business credit card account with Chase. After receiving the new card, I phoned their customer service to merge the credit card account with my existing mortgage account so I could access both with a single login to their web site. They did not inform me at the time, but in doing so they actually created a *new* online profile for me, and in the process they disabled the automated ACH payments I had set up to pull my mortgage payment directly from another bank on a monthly basis. Although I eventually realized there was a problem after reviewing my bank statements several months later, several of my mortgage payments were late due solely to Chase 's own actions, and these late payments are now reflected in my credit report. I attempted to contact Chase to have them resolve the blemish they caused on my credit report, but they would not. I attempted to dispute the issue via a credit reporting agency, but again Chase refused to accept responsibility.
Product: Debt collection

There have been repeated attempts via phone calls from Amsher Collections to collect a debt that I do not owe. The debt was on behalf of Charter Communications, LLC of which I do not have an active account and the collection amount of {$200.00} is not my debt. Because of these attempts, on XX/XX/2023, a collections account had been made in my name which has drastically decreased my credit score. I would like this collection account removed from my name and record since it is not a debt I owe and there is no proof I am attached to this debt and it has been negatively affecting my credit score with no resolution in sight.
Product: Debt collection

My wallet was stolen from a nearby gas station market in 2023 and accounts have shown up on my credit report. My drivers license, social security card, medical insurance and debit card were all inside and had to be replaced. 

Im asking for the account to be closed out, as its affecting my credit score and not valid. One account was closed out, however this one still remains. Please assist further thank you!

I have no known knowledge of this company or the open account associated with netcreditXXXX
Product: Credit card or prepaid card

I received a gift card with {$250.00}. I activated the card. When I try to use it the transaction is declined. When I try the website to see the balance it does not recognize the 3 digit security code on the back of the card and after 3 attempts it has locked the card and says to call the number on the back of the card. When I call the number on the back of the card, the automated message can not find the card and then hangs up. There is no way to speak to anyone. They have essentially stolen my {$250.00} since I have no way to talk to anyone or get a replacement card.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries as authorized by me. I have previously requested their removal, but the bureau did not respond. This information is not mine, not accurate, and I am requesting that it be removed!
Product: Vehicle loan or lease

I have a big issue with how my Ally account is being reported. The vehicle was totaled in early XX/XX/2020. At the time of the accident, I was current on my lease payments. My insurance company needed a " Letter of Guarantee '' from Ally in order to pay the claim in full. I expect they required such a letter to ensure they pay the correct amount to finalize my lease. On XX/XX/2020 Ally did do a Letter of Guarantee ( see attachment ). This letter instructed XXXX insurance to pay an amount of {$27000.00}. On XX/XX/2020, XXXX promptly paid Ally the {$27000.00} that was needed to finalize this lease ( see attachment ). Attachment 2 also shows that the {$27000.00} check status is " Cleared ''. But Ally held the payment for 15 days. My Ally Financial XXXX was paid exactly what Ally said was due in XX/XX/2020 and I should not have any balance, past due nor any derogatory credit payments or remarks such as charge-off on or after my XX/XX/2020 accident. Look at the attachments and it should be very clear that I own Ally NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Inquiries were made on all three credit bureaus without my authorization I would like this removed asap as this incorrect and affecting my chances of obtaining a home with a decent rate.
Product: Credit reporting or other personal consumer reports

I accessed a copy of my credit report from your bureau and found several discrepancies and inaccuracies that have a significant impact on my creditworthiness and financial reputation. These errors include XXXX Account Number : XXXX Reason : Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Instruction : This is a violation of my consumer rights, please delete immediately I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe your organization has committed. Under 15 U.S. Code 1681n, individuals have rights to compensation for willful noncompliance by credit reporting agencies
Product: Credit card

XXXX cash advance taken on my Wells Fargo credit card. Extra fees as well. 
Taken on XX/XX/XXXX I have been working on this since I received my paper statement ( XX/XX/XXXX )
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 : Account number : XXXX Account Name : XXXX  : Account number : XXXX Account Name : XXXX XXXX  Account number XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 : 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

On XX/XX/XXXX I made a payment to my credit card ( XXXX Mastercard ) for {$51.00} through my banks bill pay ( Amerisbank ). It was cancelled on XX/XX/XXXX. I made another payment on XX/XX/XXXX for {$100.00}. It was cancelled on XX/XX/XXXX. I have contacted both the bank and credit card company. Both deny any responsibility. My credit score dropped from XXXX to XXXX. I did nothing to have this occur. I have worked hard all my life to keep my credit score high and don't like that it was lowered due to no fault of mine. All I am seeking is my original score before this happened.
Product: Credit reporting or other personal consumer reports

I took a personal loan of {$500.00} online from XXXX  XXXX XXXX. I hVe been XXXX  XXXX XXXX costumer since XXXX. And that {$500.00} loan i paid off in XXXX. But in my credit report it still says balance due. And that is a wrong information. Why would such a big bank do such negligence. XXXX was paid of XXXX  years ago but still shows past due. The account was paid and closed in XXXX. This wrong report is hurting my credit.
Product: Debt collection

Radus Global Solutions, LLC have my home telephone to contact but continues to contact me on the job. I've request that they contact my home # instead?
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date of Birth : XX/XX/XXXX Last 4 SSN : XXXX Equifax Consumer Services XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Equifax Customer Service, Subject : Request for Removal of Negative Accounts Due to Equifax Data Breach I am writing to formally request the removal of any negative accounts that may have been impacted by the Equifax data breach that occurred between XXXX and XX/XX/XXXX. As you are aware, this breach compromised the personal data of millions of consumers, and I believe that some of my negative accounts may have resulted from fraudulent activity due to this breach. 



In light of the breach and the potential for identity theft, I am requesting that any negative or inaccurate accounts be removed from my credit report. This includes any accounts that were opened fraudulently or affected by identity theft due to the data breach. I would appreciate your immediate attention to investigate this matter thoroughly and ensure the correction of my credit report. 



Please find attached a copy of my credit report, along with documentation of my identity theft or fraud alert, and any other supporting materials to assist in the investigation. I am also requesting confirmation in writing once these negative accounts have been removed or corrected. 



Additionally, I would appreciate information about the steps Equifax is taking to support consumers whose data may have been compromised and the measures that can be taken to prevent further issues. 



Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this issue and the restoration of my credit standing. 



Sincerely, XXXX XXXX XXXX XXXX Attachments : Copy of Driver licence ID And SSN Card Identity Theft/Fraud Alert Documentation This letter is both polite and direct, addressing the issue of fraudulent accounts that may have resulted from the data breach and requesting their removal. Let me know if youd like to make any adjustments! 



My information has been exposed with the Equifax data breach, please remove all the negative items in my credit report. I was unaware of those accounts listed below. 

1- THE BUREAUS 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
Product: Credit reporting or other personal consumer reports

RQUESTED DOCUMENTATION SHOWING PROOF THAT THE XXXX ACCOUNTS BELONG TO ME. I WAS NEVER PROVIDED THE NECCESSARY INFORMATION PROVING THESE ACCOUNTS BELONG TO ME. EVEN AFTER BEING NOTIFIED THEY CONTINUE TO REPORT FRAUDULENT INFORMATION ON MY CREDIT REPORT. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported 30 days late but I made my payment on time.   XXXX   XXXX   #  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to request information about the account XXXX XXXX BANK on my credit reports XXXX, XXXX, TRANSUNION. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Product: Credit reporting or other personal consumer reports

This account was closed 15 years ago yet it's XXXX out and there still reporting it to the credit agencies I can't believe this closed out the account has been charged off sold etc another slew of violations please let them know upon taking them off my consumer report I will be filing a claim against them for violating fcra and will need min XXXX per violation
Product: Debt collection

I found 3 Montgomery Ward accounts opened in my name all 3 with different account numbers for Montgomery Ward and opened on the same day XX/XX/XXXX with a balance of {$280.00}. I contacted Montgomery Ward and they informed me they do not have these 3 accounts on file under my name. I also contacted XXXX, they informed me to file with the FTC for fraud. I contacted Montgomery ward and I also contacted all three credit bureaus early last week of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.

As as Federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF 1974
Product: Debt collection

I TOLD THIS COMPANY IN WRITING AND OTHER 3RD PARTY COMPANY REGARDING THIS MATTER, NOT TO CONTACT ME DIRECTLY VIA PERSONAL PHONE NOR WORK PHONE AND THAT ALL CORRESPONDENCE SHOULD BE VIA US MAIL. 

However, this company continues to call me daily at different times repeatedly on my cell during working hours. 

For example, XX/XX/19 @ XXXX XXXX  XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX
Product: Mortgage

There is a lien on title showing from Ditech. I have contacted numerous people at Ditech and have yet to come up with a resolution. The mortgage was refinanced and we faxed over the HUD that paid off Ditech almost 4 weeks ago and have yet to get anything resolved. I am in the process of refinancing my house and with this lien on title we can not move forward..
Product: Debt collection

They threatened to ruin my credit and garnish my wages. I am not working due to my XXXX XXXX XXXX and they keep harrassing me and calling me about money I do not have. They are really stressing me out. I have an XXXX that is documented by doctors, I have XXXX, and XXXX XXXX. I am no longer able to work..The company is Mid-South Adjustment Co. , in XXXX XXXX Arkansas . They are making my XXXX XXXX rise. Please help... I have no contracts with this company.
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 und

er 15 USC 1681. 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 reasonabl
e cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my Equifax credit report, on XX/XX/2023, a company requested a hard pull of my credit. I have never heard of the company in question, nor did I authorize the request. I disputed this twice with Equifax, once on XX/XX/2023 and once on XX/XX/2023, both of which times have been denied and the information is not being removed. It does not appear that any new accounts have been opened from this inquiry, and as such, I believe this is an erroneous hard credit inquiry by the company in question and not fraud. As a result of this, I have placed security/fraud notices on my credit file with all major bureaus ( Equifax, XXXX, XXXX ) XXXX as a precaution. 

The company in question that apparently made a hard inquiry is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, OH XXXX I have attempted to contact the company directly, but so far have not been successful, so I am submitting this compaint.