23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notice of statement in mail dated XX/XX/2021 for {$40.00} for services I received from XXXX XXXX XXXX at the XXXXXXXX XXXX  MD XXXX XX/XX/XXXX on XX/XX/XXXX. I paid right away on XX/XX/2021 using the Pay Online : XXXX  and received an email : Your payment has been successfully processed. The payment was withdrawn from my checking account on XX/XX/2021. I received another statement dated XX/XX/2021 for the same services. On XX/XX/2021 @ XXXX XXXX  EST, I called the billing department at XXXX and spoke with a female representative. I informed her I have already paid this bill and provided her the date, transaction email and bank statement. She said she would take care of it. I received another statement in the mail dated XX/XX/2021. I called on XX/XX/2021 @ XXXX XXXX  EST and spoke to the same female representative again inquiring why this claim has not been updated. She said, I did not send her the information. I forwarded the email that I sent her while she was on the phone. She said, they do not have record of the payment because there are two different systems and the payment possibly went to the XXXX XX/XX/XXXX. She instructed me to call XXXX XX/XX/XXXX and ask them to refund the money and then pay them. On the same day, I contacted XXXX XX/XX/XXXX at XXXX and sent an email to omfa.gwa.edu @ XXXX EST. The male representative was unable to see any records for me. He looked up records based on my name and SSN. I received a notification in the mail dated XX/XX/2021 from Transworld Systems Inc. to collect the {$40.00} debt as reported by XXXX XXXX XXXX. I called this company on XX/XX/2021 on XXXX @ XXXX XXXX  EST. I gave the representative the Transaction ID and Approval Code from the successful email. I was told Transworld would notify me in 30 days of their findings. On XX/XX/2021, I received a letter from Transworld Systems Inc. requesting me to send materials to valid my claims. I sent all the information by certified mail via USPS on XX/XX/2021. I received another letter in the mail from XXXX XXXX dated XX/XX/2021 enclosing a copy of the debt I owe and requesting payment.
Product: Debt collection

On two different occasions, I rec 'd 2 XXXX that I did not order. Returned 1st phone on XX/XX/XXXX, XXXX. Returned 2nd phone on XX/XX/2022. 
I was originally contacted by XXXX XXXX claiming to be with XXXX about an upgrade to my current cable service and was supposed to receive 2 new XXXX XXXX Nothing was mentioned about an XXXX at all, not part of a promo or addition to the service. Not mentioned period. 
I called the day I rec 'd and was told to return to XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), which I did and have furnished XXXX receipts 3 times to debt callers claiming I kept the phones. I even contacted XXXX directly and was told to mail phones to the above location, which I did. I continue to receive harassing calls about these phones, which I don't have and threats to send the debt to the credit bureau. My credit score is XXXX - not the type of score that I earned by stealing/keeping Iphones.
Product: Credit reporting or other personal consumer reports

**Subject : Formal Dispute Under Fair Credit Reporting Act ( FCRA ) Fraudulent Account** To Whom It May Concern : I am writing to formally dispute the following information on my credit report under Section 623 ( b ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). The accounts listed below are fraudulent, and I did not authorize their creation or access to my personal information. 

**Disputed Accounts : ** - [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Reason for Dispute : ** Identity theft/fraud. I did not open this account or permit anyone to use my information.

**Actions Requested : ** 1. Conduct a full investigation into this account.

2. Remove all fraudulent information from your records and notify all credit bureaus to delete it.

3. Provide me with written confirmation of the resolution.

4. Share copies of all documentation related to the accounts creation, including applications and transaction records.

**Enclosures : ** - Copy of my government-issued ID.

- Copy of [ Identity Theft Report/Police Report/FTC Affidavit ] ( if available ).

- [ Additional evidence, e.g., fraud alerts, correspondence ].

As a victim of identity theft, I expect your prompt compliance with FCRA requirements. Failure to resolve this within 30 days may result in legal action.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX  I contacted XXXX and Equifax, contesting the inclusion of an erroneous bankruptcy on my credit report. I was asking the agencies the method of their investigation. I received no response. According to 15 usc 1681a- ( e ) " mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information ''. According to 15 usc 1681 ( a ) ( 4 ) - '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY '' This also is an infringement upon my right to privacy. Also, according to 15 U.S. Code 1681b ( a ) ( 2 ) -Permissible purposes of consumer reports " In accordance with the written instructions of the consumer to whom it relates. '' I have not given any written instructions to put any such information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries for the following companies : 1. XXXX XX/XX/2021 2XXXX XXXX XX/XX/2021 3. XXXXXXXX XXXX XXXX XXXXXX/XX/2021 4. Syncb/Amazon XXXX XX/XX/2021 5. Syncb/Lowes XX/XX/2021 6. XXXX  XXXX XX/XX/2021 7. XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES FROM THE FOLLOWING COMPANIES ARE REPORTING ON MY CREDIT REPORT, AND I DON'T RECOGNIZE. PLEASE DELETE THE FOLLOWING ; 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: Checking or savings account

XXXX XXXX opened Marcus investment savings account and deposited XXXX XXXX XXXX XXXX Account locked due to Marcus being " unable to verify my identity '' contacted them and was told they can not do anything and that my funds were lost. 
XXXX XXXX recontacted Marcus XXXX to get my funds again or so what could be done to do so was told my funds were marked unclaimed and could be received by making a case for them was told I would be sent a check within 7-10 business days which never came XXXX XXXX contacted Marcus again and was told that I had to close the account that I was told was already closed then I could receive my funds still did not XXXX XXXX was told that I would be contacted by Marcus ' claims department in XXXX to confirm my identity in order to receive the funds never received call XX/XX/XXXX, XXXX contacted Marcus and was told the account was still active and would never to submit a form they would be sending me and have it notarized and send it back in order to make the " next steps ''
Product: Debt collection

Before I knew anything about a doctor bill, I received an advertisement in the mail at my new address from a firm letting me know I was being sued and theyd like to represent me. I was later served after replying to portfolio recovery asking for validation of the alleged debt which I never received! When I first showed up for court in XXXX I had a verbal agreement with another of portfolio recoverys attorneys to get a statement from defacs proving coverage and the case would be dismissed. However it was continued and when I went into court most recently on XX/XX/2023 with my proof. It was a different attorney for portfolio recovery and my proof was not taken. This deprived me of my right to a fair and just trial because I was told something else therefore I didnt have time to prepare to defend myself. I showed my proof and even proof where apparently portfolio recovery doesnt own it anymore! Its now owned by XXXX XXXX XXXX and has been since I received the first statement through my email in XXXXXXXX XXXX XXXXXXXX  which is before portfolio sued me for a debt they no longer own! Didnt have to show proof or anything per the FDCPA and ruled against me and got a judgement anyway! Along with writing the wrong case number and amending my judgement which is labeled default judgment even though it was not in fact a default judgement because I did file an answer and I did show up. Now theres a judgment against me because somehow portfolio recovery can sue consumers without having any proof whatsoever and without even owning the debt themselves! If you need any information from me to properly investigate these claims, please email or call me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a XXXX Account on my Experian credit report that was listed as late and sent to collections. It also listed an address in XXXX Mi associated with this account. I contacted XXXX to report the Fraud account. They said they would take care of it.I wanted a month and saw it was still on my report, So I disputed with Experian on-line and they came back with the account confirmed as mine?!?!?! Reference their dispute results Number XXXX. I need this cleaned up asap. I have never had a XXXX account or applied for one. I also have never in XXXX Mi. 
Experian still has it listed on my account as of XX/XX/19 as Failed to Pay, This account should just be removed from my account!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Social security # XXXX Birth Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH. XXXX EQUIFAX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I have been a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made.

ACCOUNT ( S ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : IDENTITY THEFT REPORT A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business day and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX ENCLOSURES : PROOF OF IDENTITY : PASSPORT FAIR CREDIT REPORTING ACT SECTION 605B IDENTITY THEFT REPORT
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for reporting inaccurate information on my consumer report. Specifically, the following accounts are being inaccurately reported are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies such as TransUnion are required to maintain accurate and complete information. Specifically, Section 1681e ( b ) of the FCRA mandates that consumer reporting agencies must ensure the information they report is accurate and up-to-date.. I am requesting that TransUnion conduct a thorough investigation of these inaccuracies and ensure that the information reported on my consumer report is accurate or deleted.
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 Account Number : XXXX has violated my rights. Or a 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 an 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

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.
Product: Debt collection

After exercising my right to legally terminate my lease, XXXX XXXX XXXX has put a collection against me for XXXX. They hired Fair Collections and Outsourcing who still has a collection against me that is effecting my credit score and almost cost me my chance to rent an apartment. They have also put this collection on my former roommates credit, as well as her co-signer 's. 

Clearly the allegation of debt is BOGUS, for not XXXX, but two reasons : ( 1 ) If apartment was re-rented in XXXX, the only rent we could possibly owe, if owed at all, would be for XXXX, which was {$1400.00}, NOT {$4400.00}. And ( 2 ) we legally terminated the lease, irrespective of re-rental, effective XXXX XXXX, 2013, as explained in full in your letter, dated XXXX XXXX, 2013. 

We 've sent them documentation in 2013 which contained the law that our former landlord broke that legally released us of this debt ( such as work work they refused to do to keep our building safe - like faulty lights and electrical outlets, plus the law they broke about rerenting our apartment once we left which then releases us of any debt. ) In XXXX of 2013 they wrote in the letter that we had 30 days from receipt to dispute the validity of the charges. We called their service department and was asked to e-mail documentation to them to support our cause. We never heard from them from that point. 

I request that you investigate these chargers and ask them to remove these faulty claims. We worked with the XXXX XXXX XXXX and they have all the documents that support our case. XXXX did not take us to court as they threatened but we will happily do so if these charges are not dropped.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting Complaint XXXX ( XX/XX/2020 ) - I further engaged with XXXX XXXX XXXX. 

After deciding not to settle the account for the requested amount of {$1000.00}, I remitted a full amount of {$2000.00}. during the process, I received a letter stating that XXXX XXXX XXXX has found an error, and has overcharged my account for a Key fee and have internally corrected the balance error. 

This letter is admittance to inaccurate information being furnished to Experian, XXXX and XXXX for multiple years. ( Letter is Attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00}
Product: Debt collection

NOC Financial Systems is contacting my son and my father regarding a debt that I apparently owe, although they have yet to contact my phone and leave a message nor have I received anything in writing. My dad is XXXX years old and does not need this added XXXX and furthermore if someone needs to get in touch with me I have had the same telephone number for 16 years. If someone needs to get in tough with me, send it in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX violated my rights I sent a letter off on XX/XX/2022 my tracking number is XXXX. 
To remove personal information that I don't want on my credit report. According to the fair credit reporting at 12 USC 1681.| have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third- party people. 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not report an account without my written instruction. 

These are clear violations of my federally protected consumer rights.
Product: Vehicle loan or lease

I purchased the car in XX/XX/XXXX with a payment of XXXX  month. By XXXX XXXX I would have already paid off my loan. But unfortunately due to the pandemic I had to ask for XXXX different deferments that would put my XXXX payments till the end of the contact. Upon checking my balance to make a full payment to get my car title I come across that I still owe more than what I should be. I have paid off in full XXXX payments leaving me to pay the remaing XXXX outstanding payments. I have called the finance company and they cant give me a clear answer of the outstanding balance. Which it doesnt not add up. They keep hanging up the phone on me. This company is XXXX XXXX
Product: Credit card or prepaid card

Citi claimed that the bonus will be post on my account by XX/XX/2021. While it is already mid XXXX and not a penny of the {$700.00} bonus has been post.
Product: Credit reporting or other personal consumer reports

Subject : Dispute on Removal of Fraudulent Information on credit report in Violation of 15 US Code 1681C-2.

I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 US.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED. 

1- XXXX XXXX XXXX XX/XX/year> As required by 15 USC 1601c-2, please block this fraudulent information from my credit report Immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent Information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mina, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX, and several other financial institutions have been sharing private consumer information without prior consent to third partys that i have no business with which is in direct violation of 6802 ( b ) ( 1 ) ( b ). Also finacial instutions have been violations 15 us code 1681 ( a ) ( a ) ( 2 ), which state that they cant report credit transaction and they have been reporting late payments which unlawfully
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute to have negative items removed that are wrong. I have documents that prove that the results and response of the company just bounce around the fact they have not done a thorough investigation. The basic results were stated, " They are right and you are wrong ''. There was no specific explanation of the investigation. On  XXXX   XXXX ,  2017  the dispute was initiated and on  XXXX   XXXX ,  2017  the investigation was completed with very little to say and no documented proof was provided. The incorrect account that has been reported has caused daily stress as it has caused me and my husband to apply for multiple loans while being turned down. This made it hard to get a reliable vehicle for work and transport our children. In addition, it will hinder us from being able to buy a home. Lastly, the accounts in question have already been removed from my husbands account and the accounts are joint accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credence has called a numerous amount of times about a debt they've bought. I'd already paid this debt to the original creditor and credence is illegally putting this on my credit report. I've asked for a debt validation letter and they have not sent one out, nor did I got anything stating the debt was bought and that Credence would be reporting this on my credit report.