23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report I discovered unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 
1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

NEW COMPLAINT ... .. 

I posted a payment on their website on XX/XX/2019 ... they processed the payment and then tried to charge me a late fee and a returned check fee. 
account number XXXX I have asked these people on several occasions to stop missing up my account and payments. 

Please help ... ....
Product: Debt collection

I found a collection company on my credit report called XXXX XXXX XXXX. I called them and they said that the City of XXXX said I owed them for an account that was my mother 's. She XXXX XXXX  XXXX of 2016. This was not my debt it was hers. They told me to call the City of XXXX. The City of XXXX said they were charging me because I was her power of attorney. Power of attorney ends at XXXX. I explained that and they said that they knew that, but someone had to pay the debt. I was not responsible for her debts and could not pay them after she died. They said they refused to remove it, even though they knew my power of attorney ended at XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 items erroneous reporting on my Equifax credit reports on four occasions, via USPS Certified Return Receipt mail. The dates of the dispute letters were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( Attached ). 

The erroneous items are : XXXX XXXX, entered as of XX/XX/XXXX for {$490.00} XXXX XXXX reporting 90 days late from XX/XX/XXXX - XX/XX/XXXX The same erroneous information was being reported by XXXX & XXXX XXXX who did thorough investigations and removed the items immediately. Neither of them remain on reports from the other 2 bureaus. 

The letter sent on XX/XX/XXXX was not responded to until after 40 days of the USPS tracking receipt date. Due to not responding in 30 days the erroneous items should have been removed. 

The letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX- they responded that the information was simply " verified '' but provided no information on how it was verified. When I asked for proof of the investigation in subsequent letters, they simply reiterated that info was " verified ''. 

Despite the lack of a valid investigation or ensuing reinvestigations and never providing proof of verification methods, the discrepancy still remains with differing info from the other 2 bureaus, who with one letter were not able to verify the erroneous data and removed it immediately. ( Pages showing different reporting attached )
Product: Checking or savings account

There was some unauthorized uses on my debit card. Wells Fargo sent me a new debit card and opened a claim. They later said those uses were found used by me, which is impossible because I live in New York and they were used in XXXX Then there was some transfers made. They asked me if I transferred the money I said no I called Wells Fargo. They said they would transfer me to their online fraud department. They transferred me. I started talking to the online fraud department. They transferred me to. They said they would close my account and open a new one The online fraud department they supposedly transferred me to started wiring some money and such to open the new account and in a few days when this new account wasnt opened, I called Wells Fargo back and said whats the status and they said oh youve been scammed. The call was intercepted you were never talking to Wells Fargo when I said open a claim and give me my money back they said youre covered by fraud, but not scams And so we probably cant get your money back and then they close the claim and said we cant get your money back this is ridiculous. This is Wells Fargos fault that was my entire kids college fund. I am a XXXX veteran a single mom this is not OK.
Product: Debt collection

I made a settlement with XXXX. XXXX XXXX in XXXX after disputing the charges from XXXX and the account was closed. I then received a letter in XX/XX/XXXX from Jefferson Capital.to collect the same debt for XXXX  from XXXX for more than double what the initial debt was to them. If I made a settlement for the debt why does Jefferson now have it for double? I called telling them I wanted to dispute because I settled this already & instead of disputing put the debt on my credit report that I would like to have removed asap.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

On Friday at XXXX XXXX XXXX I initiated a wire transfer ( Confirmation Number XXXX ). This is one-hour before the deadline of XXXX XXXX to complete wire transfers. As of Monday at approximately XXXX hrs, USAA representative stated on a recorded line that they were experienceing wire transfer issues on Friday and wire transfers had still not been completed. As a result, my {$2000.00} has been locked up with no progress. The financial bind theis organization has put me in over the past XXXX months-plus is unspeakable. I will be closing my account, but they need to held liable for this latest XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that CREDIT BUREAUS has to get rid of : XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has furnished data to XXXX and Experian that violate my consumer rights. This action was done without my authorization per 15 U.S. Code 6802. Also the data being furnished is appearing as a charge off which is considered a certificate of indebtedness. Income can not be reported on a consumer report per 15 U.S. Code 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX. Act # XXXX and 1 other XXXX  XXXX acccount I don't have the account info has violated my rights. 

15 USC 1681 section 602 states that i have the right to privacy 15 usc 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction or permission and they do NOT have it.
Product: Debt collection

I received a letter in the mail regarding a collections debt to XXXX XXXX XXXX XXXX. I have never been a customer of XXXX XXXX XXXX XXXX so I called them to ask why I was receiving this letter. They told me not to worry since the account opened had an address I have never been a resident of and that it should clear up by itself. This was not the case, because a few days ago on XX/XX/XXXX, I was checking my credit and noticed my excellent credit was now fair because there was a derogatory mark against me due to a collection for {$310.00} owed to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was on the phone with XXXX different people who kept transferring me to different departments. Finally, I reached a XXXX person who gave me the street name and the account # that was opened fraudulently in my name, and advised me to go to XXXX. I went to the website and was then sent an email giving me 21 days to fax or mail them proof of identity and proof of residency during the time of this account being opened. The paperwork is very confusing and I am trying to figure it out with help from others. I am in the process of going to the police to file a report and faxing the documents they are asking for. I also contacted XXXX and they said that they need paperwork from XXXX XXXX XXXX stating that the account in question was not mine, before they clear the collection from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove  this however, I have not been successful.
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. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Checking or savings account

Hi, Every month for XXXX  months I have been charged a new fee for my checking account. They changed the terms and fees since I opened my account but some how I wasn't grandfathered in to what I had. I have had to get CFPB involved on numerous occasions due to these type of issues with citibank. They were well aware that when they came up with these terms and started charging me without my knowledge, I spoke to a rep about getting my XXXX direct deposit go into checking instead of my CITI savings since they started charging this fee. On multiple occasions I explained that the change from Social Security would not start until the new year as thats what Social Security explained to me. It finally switched this month and of course I was still charged a fee even though i'm sure it is notated somewhere that we were waiting for SSDisablity to switch the accounts. I just feel like I am constantly having to check my account b/c citi is always doing something that causes issues with my account or finances. I just feel like I am always being scammed or stolen from and it is causing me stress and i already have serious health issues that can not handle this. The direct deposit was in the account in the XX/XX/XXXX and the fee was put on XX/XX/XXXX and posted XX/XX/XXXX. I contacted a rep whom was very nice a polite ( XXXX ), he tried to help but it shows that I have had fees reversed before for that same reason.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Re : Account Number/File Number : XXXX XXXX XXXX Amount : {$260.00} Dear Credit Collection Services, I am writing in response to the collection notice dated XX/XX/year>, regarding an alleged debt owed to XXXX XXXX XXXX. I am disputing this debt, and I hereby request that you provide all documentation and verification as required under the Fair Debt Collection Practices Act ( FDCPA ) and relevant New York State laws to substantiate the debt. 

Pursuant to the FDCPA, please provide me with : 1. Validation of Debt : Provide a detailed breakdown of the amount claimed, including the original amount, any interest, fees, or other charges. Additionally, I request copies of the original agreement that created this alleged debt.

2. Proof of Assignment : If this debt has been transferred or assigned to Credit Collection Services, please provide documentation proving your authority to collect on this debt.

3. Payment History : A full account history, including the last statement from XXXX XXXX XXXX, any previous payments, and a record of any adjustments to the balance. 
4. Identity Verification : Please include proof of my responsibility for this debt, such as identifying details that confirm the debt belongs to me.

5. Written Verification from the Original Creditor : As required by law, please provide a signed statement or other proof from XXXX XXXX XXXX verifying the validity of the debt. 

Please consider this a formal request under federal and New York State law. Until you can provide the requested information, I request that any collection activities cease, and that my rights under the FDCPA are fully respected. 

If you are unable to provide sufficient documentation within 30 days, I will consider the debt to be invalid and request that you update all credit reporting agencies accordingly. 

Thank you for your attention to this matter. Please respond to my request in writing at the above address. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

IM A VICTIM OF IDENTITY PURSAUNT TO THE FCRA ALL FRAUD MUST REMOVE FROM MY NAME AND CREDIT REPORTS ******PLEASE READ THE FTC REPORT THAT IS ATTACHED *****
Product: Credit reporting, credit repair services, or other personal consumer reports

From Prior complaint that closed before satisfactory resolution # XXXX, MY ORIGINAL COMPLAINT STATED On 2 occasions starting in XX/XX/XXXX via Sagestream Website and in XX/XX/XXXX, via certified mail, I requested that sage stream LLC put a freeze on my credit report and send me confirmation and they have not sent me confirmation. In between the time of XX/XX/XXXX-XX/XX/XXXX I have left numerous voice messages in regards to the matter but still no confirmation. I SUBMITTED PROPER COPIES OF MY PHOTO ID AS WELL AS MY SS CARD. So for some strange reason Sagestream doesn't seem to want to honor my request. Help and assistance is needs to obtain my security freeze and security PIN The company response was not accurate, which they stated : In his complaint ( CFPB Complaint # XXXX ), Mr. XXXX stated that he has contacted SageStream , LLC ( SageStream ) multiple times to place a security freeze on his SageStream consumer file, but SageStream has not responded. We address his concerns as follows : SageStream is a consumer reporting agency that prepares consumer reports and credit scores for its clients who are typically credit grantors. According to our records, SageStream received an online request from Mr. XXXX for a security freeze to be placed on his consumer file ; however, the identity verification documents that Mr. XXXX included with his request were not legible. SageStream mailed a letter to Mr. XXXX on XX/XX/XXXX informing him of what he would need to send for his request to be processed. If Mr. XXXX has questions, he may call the SageStream Consumer Office toll-free at ( XXXX ) XXXX, Monday Friday XXXX XXXX  to XXXX XXXX ( Pacific Time ) or visit our website, www.SageStreamllc.com for information. 

Sage stream address the online process. They did did not address the certified mail request that included proper identification such as copy of my Driver 's License and SS Card. they signed for the certified mailing # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. If included the letter of request and well as the proper copies of identification. In my letter of request I submitted. It stated that a copy of ID included a driver 's license and SS Card stapled together with the request. So therefore if if got separated from original letter it was done by the company they need to research there mail receiving procedure find my mail-in request and honor the contents I submitted along with the identification which was all I was required to do. I will submitted the proof from the US Postal Service that the physical letter of request I am speaking of did reach there offices and signed by them as being received.

Sagestream failed to address this in the previous response my mail in request to the previous complaint. Sage stream just did not want to honor my request by mail, Thier continued failure to do so will lead me to escalate the matter to a proper venue that I can easily prove and win my claim if I wish to do so
Product: Checking or savings account

I have tried access and calling for access to the account since XX/XX/XXXX. The facts that I have to pay penalities on a CD due to your company negligence is outstanding lol.
Product: Debt collection

On XX/XX/XXXX my alleged account was placed into collections with XXXX XXXX XXXX XXXX. to assist in collection efforts. I was notified this on XX/XX/XXXX over 2 years after the date XXXX XXXX XXXX XXXX tried to sue me. I was never notified during the initial lawsuit and only discovered it after disputing the debt Discover notified me I was sued but the lawsuit was dismissed without prejudice on XX/XX/XXXX. 

I have disputed the accuracy of this account of almost 2 years and it always comes back verified as accurate but how could that be so If a judge dismissed a lawsuit I didn't know about? 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies states I'd like to add the payment history reporting is inaccurate and reports multiple subsequent negative postings
Product: Credit reporting or other personal consumer reports

I utilized my free annual credit report option. To my surprise I noticed some items that were inaccurate. I am submitting a dispute with the items that contain errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two months ago I received an alert saying I had accounts behind. So I disputed the accounts and called the company showing up on my credit report. They stated to me twice that I do not owe them money. 

Ive disputed these 4 accounts twice and been told by the company who they say I owe twice that they have no record of my name, social or address or birthday. 

Makes no sense why this is showing up on my credit report two months later. 

I have no documentation of the accounts nor have I received any phone calls or mail from XXXX XXXX other than myself calling them to ask if I owe and they tell me I do not owe them a dime. Even asked for paper documentation but was denied it by affirm  due to them Having no record of myself.
Product: Debt collection

There is a debt collection on my credit report that needs to be removed. Per my credit report it's from : Seattle Service Bureau XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX Amount - {$150.00} I have no idea what this debt collection is for. I have XXXX the company and called and they have no record of a debt for me. I need help having this removed from my credit report.
Product: Credit reporting or other personal consumer reports

All three Credit bureau are reporting that I have an bankruptcy on my credit report but, when I contacted the us bankruptcy court they notified me that they do not report public records for this to be on my credit report.