23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear MCM Sir/Madam ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and XXXX is illegal helping XXXX XXXX XXXX because XXXX XXXX XXXX invested into XXXX fact. My right are been taken away from me
Product: Credit reporting or other personal consumer reports

I am writing to address serious concerns regarding the accuracy of information on my credit reports, which I believe to violate my federally protected consumer rights under 15 USC 1681, as stipulated by the Fair Credit Reporting Act ( FCRA ).

I have previously communicated to XXXX, XXXX, and Equifax, requesting a reinvestigation into the following accounts : XXXX. Account name : XXXX XXXXXXXX XXXX 2. Account name : XXXX XXXX XXXX 3. Account name : XXXXXXXX XXXX XXXX 4. Account name : XXXX XXXX XXXX XXXX 5. Account name : XXXX XXXX XXXX 6. Account name : XXXX XXXX XXXX XXXX XXXX. Account name : XXXX Regrettably, their responses assert that all information is complete and accurate. However, this assertion contradicts the discrepancies I have identified, specifically concerning the open date, date of last activity, and various other critical details. Per 15 USC 1681i ( 5 ), it is my understanding that these agencies are obligated to modify accounts that are inaccurately reported.

As outlined in 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Given the disparities I have identified, it is evident that inaccurate information has been provided to these agencies. 

I urge you to conduct a thorough review of my dispute and take prompt corrective action to rectify the inaccuracies in accordance with the FCRA. Failure to address this matter appropriately may compel me to pursue legal remedies available under the FCRA to safeguard my federally protected consumer rights to privacy and confidentiality. 

Your immediate attention to this matter is appreciated, and I anticipate a resolution within the legally mandated time frame.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom i t may concern : The following informatio n is my contacts : Attorney at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Missouri  XXXX   XXXX  --  XXXX  or  XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   ,  MO  XXXX   XXXX  In   2016   I filed Bankruptcy with my Attorney. I did NOT include my mortgage in the bankruptcy. When the bank was informed of the bankruptcy their attorney charged me {$750.00} to investigate the bankruptcy. They attached this charge to my loan. The bank has now informed the credit bureaus that my mortgage loan with them was included in the bankruptcy and that I have not made any payments on the loan.  <P/> I tried to contact the bank attorney and was told it would cost me to speak to him and that he had to right to as he did on my account. I talked to my attorneys secretary who said the bank has every right to report as they see fit. I did sign a re-affirmation that said I would continue with my payments on the loan.  <P/> I know the bankruptcy will stay on my Credit Report. However should I decide to sell my house I will never be able to rent anywhere because of the false reporting on my mortgage payments.  <P/> How can I get this fixed? Can you help me? Please see what you can do to help with this situation.  <P/> Regards
Product: Debt collection

An update to my case : I received a suspicious notification from " Nelson, Cruz & Associates '' attempting to collect on a non existing debt. They sent a physical letter to my residence on XX/XX/2017 attempting to extort {$990.00} for an " outstanding balance unpaid to XXXX XXXX XXXX ''. Like any well informed consumer, I understand that when an allegation like this is presented, you have a right to know : contact info for the original debtor and proof of money owed. Unbeknownst to this fraudulent entity, I know very well who my creditors are and have always been. I contacted XXXX XXXX myself and they confirmed verbally and in a written letter ( as I knew they would ) that they have no record of my SSN, name, DOB, account etc. They also informed me that they do NOT outsource their collections, but instead have a collections department in house. It was also mentioned that notices from " collections agency '' usually reference the original account # for the money owed, as well as complete contact information for the original debtor. When I spoke to a rep from Nelson, Cruz & Associates, he did not provide any of this information so I could substantiate the claim myself. Instead, he tried to negotiate down the debt and commit me to paying it immediately over the phone. I immediately hung up on him and reported Nelson, Cruz & Associates to the Credit Bureau, Attorney General of Texas, XXXX  and the Federal Trade Commission. I attempted to file a police report in XXXX, TX but was unsuccessful as I live in VA. The only advice I can provide is DON'T pay them a cent. Contact the State and Federal authorities and place a lock on your SSN because they posses personal information that they are using nefariously. 

IMPORTANT TO NOTE, the Nelson Cruz & Associates collection letter said the " client '' was XXXX with no reference whatsoever to XXXX XXXX. XXXX is FALSELY asserting that XXXX is the client of XXXX on this debt, when they are NOT. That has to be illegal.
Product: Credit card

There was a credit issued of {$600.00} on XX/XX/XXXX from XXXX XXXX for a problem that I had with a sofa that was purchased from them, to my Costco Citibank credit card. I saw the credit issued of {$600.00} to my credit card account on XX/XX/XXXX. The {$600.00} credit is now not showing on my account. I have contacted Citibank on three different occasions. The first time, I was told it takes 3 days to post. The second time I called I was told that it takes 3 to five days to post. I spoke to a supervisor today who now says it takes 3 days to post and he does not show the credit for {$600.00}.
Product: Credit reporting or other personal consumer reports

These inquires were made without my knowledge or consent, and as such, I request that it be promptly removed from my credit report. 

XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with NCSECU ( North Carolina State employees card it union  ) and had a foreclosure. The account was closed in XXXX They are still reporting as late payments in XX/XX/XXXX. Its preventing me from moving on in life and sheltering my family. Its reporting on 2 of the 3 bureaus and appears innacurate.
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 : XXXXXXXX XXXX  XXXX Date : XX/XX/2021 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Experian refuses to delete a collection account off my account that they added through XXXX  data. On my XXXX  account the collection isnt on my account. The name of the collection company is XXXX XXXX XXXX. They garnished the data from XXXX  and now they refuse to move it off the account, if know XXXX no longer shows the collection.
Product: Mortgage

I submitted a loss mitigation request back on XX/XX/2018. I never knew I had those options and was able to find help from a local law office who guided me in the right direction. Pacific Union never reached out to me to offer any assistance to avoid the foreclosure. When calling to follow up with the request, I am being told that it will not be reviewed because it was not received 30 days before the sale date and there is no time. The documents were submitted on XX/XX/XXXX, the sale is not until XX/XX/XXXX that is almost a month so the fact that they said they have no time is an excuse to just ignore my request and offer me no help at all. To this date, the have failed to provide me with alternative options and just want to sell my home with no remorse. I feel as though all my rights have been violated and I am being treated unfairly.
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' 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. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that 'In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies trans union Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit card or prepaid card

XXXX  XX/XX/2022 {$1000.00} ( XXXX XXXX  was duped, conned, unwittingly deceived tricked into transferring funds for product I NEVER RECEIVED. When asked for my money back from XXXX first then Zelle, then ( XXXX ) I was told NO. Come to find out, EARLY WARNING SERVICES LLC ( Zelle ) is owned by XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( my bank ) had told me they had no relation to Zelle!!!! thats a lie!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I just got off the phone with XXXX who stated they were told by Wells Fargo to add an account that does NOT belong to me nor have I ever owned a WF card and refused to remove remarks from my mortgage as a joint that have since been removed for my sister. 

XXXX has added my sister 's Wells Fargo Card to my profile and refuses to remove remarks for an investigation she initiated on our old home mortgage. I spoke to a manager XXXX operator ID who not only refused, but stated it was not in " their policy '' which is not true as my sister has had all these issues resolved after 5 months. I am applying for a mortgage & my stellar report is now mixed with my sisters when we don't even have the same information and I have never owned a WF card. Please remove this card account off of my profile immediately and clear all the remarks from my joint home mortgage as the account was never in dispute from XXXX XXXX XXXX. Wells Fargo and XXXX have been reported to the attorney general for their intrusive and blatant disregard of my credit history which is my own and for them to cause a mix-up is unacceptable.
Product: Credit card or prepaid card

When reconciling my account at Wells Fargo, I noticed that there were identical charges listed. Scanning back in time I found several duplicate entries. 

I found duplicates on XX/XX/XXXX for two locations, and then on instance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I contact Wells ' customer service and was told the would be 'researching the issue '. They issued a provisional credit to my account, and some weeks late the 'provisional ' nature was removed. 

I'm writing because I believe it's unlikely that my account is the only one in the country having this experience.
Product: Credit card

These are unauthorized charges that started in the month of XXXX. 
I was charged {$590.00} over 3 times first one started on XXXX XXXX XXXX. This has been ongoing for almost a year I have file a police report and I need this matter resolved. Per Goldman Sachs Apple card policy is that the consumer is not responsible for unauthorized charges but yet I am being held responsible for these unauthorized charges that was open on the internet from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have had to close my card several time per Goldman Sachs agents they kept placing the blame on other agents for not filing the complaint properly instead of solving the problem this has continue from XXXXXXXX and still on going I have pay this account completely off over times the problem still not solved. 

Goldman Sachs Apple Card Acct # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX  Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00}
Product: Vehicle loan or lease

Called Company to because my vehicle should already be paid in full. Pursiung to my credit contract as the holder of this consumer credit contract, as the debtor I am now asserting my rights ( Title XXXX ). The contract was paid in full at the time of signing with a negotiable instrument ( Contract / Promissory Note ) with my signature. The contract is fraud because there should be no monthly payment due. In 1933, Congress took our ability to pay away with physical money. Banks, dealerships are not supposed to be paid more than once and they were paid after signing in full.

Per 15 USC 1691, I have the right to exercise my right and can not be discriminated against. 

Other violations on my contract show as follows ; There is no heading for the method determined the finance charge. There is also supposed to be a form for recission and instead it just shows a return policy. According to 12 CFR 1026.5 The creditor shall make the disclosures required by this subpart clearly and conspicuously. ( ii ).

There is also supposed to be a notice within the form stating as follows : 16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

Moreover, I also mentioned with the representative that 18 US Code 8 States this code gives us the power to use negotiable instruments as payment for a credit sale transaction. Please see as follows : 18 U.S. Code 8 - Obligation or other security of the United States defined. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States. 

I am well aware of my rights and I understand my promissory note was accepted, they now become the holder in due course and are liable for carrying out the order, this includes negotiable instruments. 

The secretary of state proves I do not have a lien holder. 

Lastly I would like to add the term " Finance Charge '' does not mean loan. Under regulation Z act, the bank can not loan money and can not loan credit ( Truth Lending Act ).
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXXXXXX - Opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$380.00} XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$10000.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX Opened XXXX/XXXX/XXXX - with a balance of {$2700.00} XXXX XXXX XXXX  - Opened XX/XX/XXXX with a balance of {$0.00} There are also fraudulent addresses on my Experian credit report which I do not recognize as reported : 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 XXXXXXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint #, #, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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