23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally file a complaint regarding non receipt of debt validation from collection law firm Rausch Sturm LLP. 

Details of the Complaint : Date of Incident : Begin on XX/XX/XXXX Company Involved : Rausch Sturm LLP on behalf of XXXX XXXX XXXX XXXX 
Account Number Listed : XXXX Description of the Issue : On XX/XX/XXXX in the evening I was served with court paperwork that I was being sued for a debt that I have no knowledge of. I reached out to this law office the morning of XX/XX/XXXX and requested validation of this debt, I wanted them to provide some kind of information that I have signed or a copy of my drivers licence really anything that would verify this debt is mine. On XX/XX/XXXX I received a package containing 82 pages of nothing more than billing statements dated between XX/XX/XXXX and XX/XX/XXXX. Nothing but billing statements provided. There is no signature, no credit card agreement, nor anything that list my name other than billing statements. Again I have no knowledge of this credit card. I reached back out to Rausch Sturm on XX/XX/XXXX and informed them what they sent does not prove anything more than the debt exist but not who owes this. I told them what they provided was verification of the debt, I do not doubt the debts existence I doubt this is my debt and reinformed them that on XX/XX/XXXX that I had requested validation of this debt. I called again today XX/XX/XXXX to check the status of this request and was told everything is on hold and nothing further has been sent out. I would like this taken care of as I have diligently tried my best to help this law firm. This is not my debt and they are either unwilling or unable to provide anything that validates this debt as mine. I have provided adequate time and would respectfully request debt collection practices cease and this account be removed my credit report with all 3 major credit bureaus. 

Despite my attempts to resolve this matter directly with both Rausch Sturm and XXXX XXXX XXXX XXXX the collection efforts continue. When I contact XXXX directly they do not have any information for me in any of their systems. When I contact Rausch Sturm, LLC I do not get any correct information directly related to me. They have listed XXXX XXXX XXXX, that is not me, my name is XXXX XXXX XXXX XXXX and anything bank or credit card would have that XXXX listed. Rausch Sturm also does not have correct contact information in their systems further telling me this is not my debt. 
I believe this situation falls under the jurisdiction of the Consumer Financial Protection Bureau and request your assistance in resolving this issue. 

Thank you for your attention to this matter. I look forward to your prompt response. If further information is needed please do not hesitate to contact me I will be happy to provide what I have available. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did submit a complaint to the CFPB abut a reporting issue, and bank responded '' Due to this error, all late charges assessed to the borrowers account have been waived and a correction was submitted to the credit repositories to reflect all payments have been " paid as agreed. '' We ask the borrower allow approximately 30 days for the update to be reflected on his credit report. '' and today, more then 50 days it still was not updated
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting ITEMS as unconfirmed information without producing proof within the legal time range. 

XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law XXXX  and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX XXXX XXXX. Ive already included this in my previous complaint & I am including it again., 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 XXXXXXXX XXXX XXXX XXXX : {$2800.00} XXXX XXXX XXXX XXXX : {$2800.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$960.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$2800.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus fail to remove collections from credit report.Im submitting a email from XXXX stating it would be deleted.
Product: Credit card

I have an American Express Delta Platinum credit card, of which one of the advertised benefit is XXXX bonus Medallion ( Elite ) Qualifying Miles after {$25000.00} of eligible spend is applied to the card. I believe that I reached this threshold bonus in Calendar Year XX/XX/2016, but my bonus Miles never posted to my XXXX account. I contacted American Express about the problem back in XX/XX/XXXX and they opened an investigation which they informed me this evening had been closed with a ruling against me. 

I was informed that the research department had determined that I had spent {$XXXX}. ( Other representatives told me that I had spent {$XXXX}, meaning that there is n't even a consensus within the company of how the " eligible '' spend is calculated. ) Most importantly, American Express includes a feature called a " Year End Summary '' that is featured prominently in the online account portion of their website and shows all charges and categories of those charges made for the previous calendar year. My Year End Summary shows that I made charges totaling {$XXXX} in XX/XX/2016. If that number is calculated differently than the number for the threshold bonus, that is incredibly misleading. 

If one or more of my transactions did not meet one of Amex 's apparently multiple definitions of " eligible '' I could have easily completed additional spend, if I had been aware of the issue and had n't been misled to believe that I had already met the threshold until it was too late. I believe that Amex purposely misleads consumers into thinking they 've spent more than they have in order to avoid paying out such threshold bonuses.
Product: Checking or savings account

This is a follow-up to an earlier complaint ( # XXXX ), Wells Fargo sent a letter to me, dated XX/XX/19, stating that they could not address issues related to my son XXXX 's account without a letter from him. XXXX sent them a letter, signed by him, on XX/XX/19. A Word copy is attached. I have called the bank to point this out. The person who wrote the letter refuses to talk to me, and said file another complaint. So I am doing so.
Product: Credit card

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : JPMCB CARD SERVICES # XXXX XXXX XXXX XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my account and inquiries, i have never applied for this. I believe that somebody used my personal information and applied for this. I'm not responsible for this debt.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; XXXX XXXX XX/XX/XXXX EMPLOYER : XXXX  XXXX  EMPLOYER : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company did not follow through with information requested during the dispute process and took well over a 30 days to get a response. The company ignored my request on method of verification. Company is now making it harder to verification my information to confront them on misrepresentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX 2016 a check was sent to Macy 's Credit Card to pay of the entire balance. The check was deposited into Macy 's Citibank account on XXXX XXXX ; however, the payment was not applied to my account and as a result I was charged a late penalty + newly accrued interest when the billing cycle reset. I 've called them multiple times and Macy 's customer service told me they have no record of my payment. They then instructed me to fax in proof. I sent them a copy of the statement I was paying off in full as well as the XXXX check image provided to me by my credit union. To date my account still does not show this payment as being applied. I was told that they do n't have a way of finding out who 's account my payment was applied to - I do n't buy that one second!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified a fraudulent account listed. Please remove this account from my report, as it is negatively affecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to reach out to collection company XX/XX/2020 involved was told even after debt had been collected and paid that they would NOT delete the but would only be able to make a statement saying that the matter is no longer an issue. Customer service rep said he would email me a letter stating this but no letter has been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect addresses on 3 credit bureaus Please remove all addresses from Alabama off my credit file i have livex in XXXX XXXX XXXX 10 years. The only address i am associated with in XXXX   is XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX any and everything else is fraud please remove. Havent lived in XXXX since XX/XX/2008.
Product: Credit reporting or other personal consumer reports

I am sending these request for the removal of an inaccurate address from my credit report. The address listed below does not belong to me and should be removed from my file immediately : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC 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 XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I trust this message finds you well. I write to express my serious concern over a number of inaccuracies currently present on my credit reports from XXXX, Experian, and XXXX. 

In reviewing my latest reports, I have found several credit inquiries and false late payment reports that I did not authorize or participate in. They include : Experian : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These unauthorized inquiries and inaccurate late payment reports are not only misleading but also have a detrimental effect on my credit score, inhibiting my ability to utilize my credit. This situation is both frustrating and unacceptable.

I have previously raised disputes with each of the three credit bureaus and provided supporting evidence to substantiate my claims, but the inaccuracies still persist. This letter serves as a formal request for the immediate rectification of these discrepancies.

In accordance with the Fair Credit Reporting Act ( FCRA ) [ 1 ], I have the right to dispute these inaccuracies, and I am asserting that right today. Furthermore, the FCRA dictates that all consumer credit information should be fair and accurate, and currently, mine is not.

I kindly request that you conduct a thorough investigation into these matters. I am confident that this investigation will validate my claims and lead to the immediate removal of these unauthorized inquiries and inaccurate late payment reports.

A written confirmation of these changes would be appreciated so that I can verify the corrections on my end.

Your prompt attention to this urgent matter is highly anticipated. I am hopeful that this can be resolved quickly to alleviate the negative impact on my credit standing. 

Thank you for your understanding and cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we started a 4 year lease with XXXX XXXX. In XX/XX/XXXX our vehicle was totaled in an accident. Our insurance company paid off the vehicle and loan. Months later XXXX decided the insurance company did not pay them enough. XXXX told us we owed them an additional {$1800.00}. This is fraud and attempt of theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are ran my credit without my knowledge and made hard inquires on my credit XXXX XXXX XXXX on XXXX XXXXXXXX XXXX XXXX on XXXX XXXX  on XXXX and XXXX XXXX
Product: Debt collection

This complaint is in reference to an alleged debt owed to ENHANCED RECOVERY COMPANY. OnXX/XX/2021Enhanced Recovery Company illegally received my information without my permission and informed a third party ( credit reporting agencies ) about this alleged debt and such doings affected my credit report negatively. I have never entered into a contract, received validation of this alleged debt through the mail, validated this alleged debt, nor accepted any goods or services from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got approved for XXXXXXXX XXXX  credit installment payment plans ordered some shoes got those but they then denied me service because of my credit report after they approved me for credit installment plans I've been making my payments on my shoes on time I feel like this is discrimination because I have a fraud alert and my credit locked on my credit report because I keep getting inquiries on my credit report that are not any of my knowledge I feel like I'm being judged because someone has stoley information and identity that I can't get any credit cards loans or anything because of that I feel like I'm being punished for something that was not in my control
Product: Credit card

On XX/XX/XXXX, I made a purchase at my local Apple Store ( XXXX branch ) for a laptop computer. I was given the choice of either paying the full amount upfront ( {$850.00} ) or spread it out and XXXX monthly installments. I chose monthly installments. It wasn't until later in the week that I realized i was charged the full amount of {$850.00} upfront, as well as monthly installments. I contacted the Apple Store both my telephone and in-person, to which they could not tell me what had happened or why it had happened. They then told me there was nothing they could do about it, as it was " not in their system '' and suggested I contact the credit card company directly ( Goldman Sachs/Apple Card ) . I did this, and they helped me open a dispute. I was given a temporary credit of the amount and they told me it would be further investigated. On the morning of XX/XX/XXXX, I was notified by the credit card company that they were ruling in favor of the merchant because " The evidence received confirms that you were provided additional services along with your original purchase. For example, room service or paid parking as part of the hotel stay. '' I again contacted the credit card company and requested to see this evidence, and was told that it was a different department that handled the evidence and they could not help me. Not only was I charged twice for this laptop computer, but I ended up returning it for a full refund within the allotted return window. Of course, I only received the refund for the monthly installments, and not the other double charge of {$850.00}. Another issue is when filing the dispute, the credit card company requests evidence. I do not know what I can offer as evidence as I was charged for something I did not receive, and therefore have no receipt. Communication with the merchant can only be by phone or in-person, so I do not have any documentation regarding out correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct this issue with the bureaus and they refuse to correct this inaccurate account. I have filed the attached complaint with the Federal Trade Commission. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$750.00} Opened : XX/XX/XXXX This account has me as an authorized user and I have never had an authorized user account with XXXX XXXX. I have one primary account with them and thats it. This isnt my account XXXX XXXX {$29000.00} Opened : XX/XX/XXXX This is account is inaccurate amount and has also been on my credit report for 7 years as of XX/XX/XXXX and should no longer appear on my credit report. 

U.S Dept of Ed {$59000.00} Opened : XX/XX/XXXX This account is showing an inaccurate amount also the date opened was XXXX XXXX. The amount is wrong and this account should not be shown on my credit report. It has passed the 7 years past when the account was opened and was never paid on.
Product: Debt collection

We have made multiple request to SRA Associates to quit contacting us as this is not our debt. This has become borderline harrasment and they are looking for an individual that does not live here.