23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : XXXX Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {$1000.00} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {$500000.00}, or one percent of the collectors net worth, whichever amount is lower. 


The attachments that are enclosed are not downloadable and no valid link to click on to view. Just because you show a lease agreement does not mean or constitute its legally mine. 





Best Regards, XXXX XXXX XXXX
Product: Debt collection

They called asking for my adult daughter. They have called multiple times. I am not associated with any of my daughter 's accounts. They have called multiple times. They have said they will remove my number. I call them back and try to ask them questions and they say they must have the wrong number but they obviously have looked me up somehow because they keep calling me. They are always aggressive and rude.
Product: Credit reporting or other personal consumer reports

Experian has reported an incorrect credit score to my credit report. I need to have a copy of all hard-pull transactions because Experian says my score is XXXX when it is XXXX.
Product: Debt collection

abusive harassment calls, threaten and pry for private financial information. nasty and shameless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to Experian representative on XXXX XXXX who told me I couldn't dispute identify theft because I didn't upload any information. I finally obtained the police report and uploaded it and called them back again. The new agent was able to help even without the uploaded information and didn't even show that I talked to someone in the dispute department. Furthermore the online dispute webpage was inaccessible, making it impossible to perform a dispute online.
Product: Debt collection

I received an initial demand letter XX/XX/18 from alpha recovery Corp. They had already begun calling me on XX/XX/18 before i had ever received their letter. Had i known what this was pertaining to i would have advised them it was not my debt. They were threatening and rude. Someone else used my social security number to obtain this loan. They called my parents and they were harassing and threatening. I do not owe this debt and I requested well communication be written through their website. I submitted in writing through there website a dispute. I expect this matter to be resolved.
Product: Credit reporting or other personal consumer reports

Over several times, I have reached out to XXXX, Equifax, and XXXX trying to update and correct the information on my credit profile. But for some strange reason, the credit bureaus refuse to follow the guidelines of the FCRA. According to the FCRA, there should only be XXXX address listed on your credit profile. Any address that is not deliverable to you through the XXXX Postal Service is inaccurate and should not be listed on my credit profile. 

XXXX. XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX, TN XXXX None of the addresses above are deliverable to me through the XXXX Postal Service. Therefore, all XXXX of them are inaccurate and should not be reported on my credit profile. It is a direct violation of my rights under the FCRA.
Product: Checking or savings account

At a local restaurant I was overchrarged in the past and have won dispute. I was recently in same place and took picture of check. It appeared in bank avcount as higher total. The bartender is cheating customers. Thanks for your time and consideration.
Product: Payday loan, title loan, or personal loan

I had revoked my ACH authorization with this lender as I have enrolled the account in a debt management program. They had already ceased making ACH withdrawals from my checking account for two billing periods, however they made a new ACH withdrawal today without my authorization. 

I called and spoke with a representative who offered to revoke the ACH authorization, however I explained to her that had already been done and the company reinstated it without my authorization. She was unable to get a supervisor on the phone to help escalate but told me I should expect to receive a call back later today. 

I'm not optimistic about receiving this call but I'm more concerned with this company 's tactic of reinstating ACH payments without my authorization, and am not convinced they won't do so again in the future so I'd like to know what options of recourse I might have in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I had a Sears Citi credit card at least 7-8 years ago, maybe even longer. Paid the amount off by monthly payments. Sears then went out of business 3-4 months later after I paid the card off. Recently, out of nowhere I received a notice stating I owe XXXX so I called as there was a language barrier. The woman could not explain after all of this time how I mysteriously had a balance. I believed this to be a scam, so I asked for proof. A week later I received a letter just stating that I had a XXXX dollar balance without dates and or past history info along with a new credit card that I DID NOT ACTIVATE. A few weeks later I realized they sold the depth to XXXX XXXX/CBNA and it lowered my credit score.
Product: Debt collection

this is an attempt to try and illegally collect a debt that is no longer eligible or owed for the following reasons. 
The account itself has aged out since it has actually been previously REMOVED from my report. 
I have not received any letter of reinsertion ever for this debt. 
You CAN NOT just claim a debt again once it has expired to restart the clock on it!
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payment are always due on the last day of the month and I do an external transfer from XXXX XXXX XXXX XXXX XXXX. I made my external transfer for my XXXX payment but apprently it did not go thorugh. I called in and was told that my external transfer was kicked out because they were doing a system upgrade and that it shouldnt have effected my credit. The problem is that I initiated the external transfer and then was never notified that it didnt go through until 30 days later saying I miss a payment. Again, I was told that it shouldnt effect my credit which it did. This is something that is not in my control that a system upgrade stopped my payment from going through. I saw that i did in fact go on all 3 credit bureaus so I called into speak with someone regarding this and she was very helpful but said something completely different than the previous gentelman. She explained that what was happening was that I was only allowed to transfer {$2000.00} in next day external transfers in a 30 day period and I was going over that so the system was kicking me out. This was never explained to me previously when I called in about the situation. I had no idea there were limits. This is something that should have been communicated to me previously so these incidents did not occur. Not only was I not told about this previously but I was told it happened because of a system upgrade that was out of my control. I also should have been notified immediately that my external transfers to my car payment did not go through and not until 30 days later. This is something that was completely out of my control and should not be reported on my credit which I have disputed several times. it. Not only that it shows that my payments were late in XXXX not XXXX and I have receipts of 2 payments in XXXX. 

I am attaching a copy of my account showing they canceled my transaction as well as the 2 payments I made
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I sent Equifax certified mail explaining this and the fraudulent accounts that they are reporting are hurting my credit worthiness. they claim to have verified it with not contracts or agreements provided. What exactly are they verifying and where is the documentation showing my legal obligation to these fraudulent accounts. I have also contacted and reported them the the FTC.
Product: Debt collection

I received a letter from XXXX XXXX XXXX attempting to collect a debt on a XXXX XXXX bank account that is over 12 years old. This is a fraudulent attempt to collect money for a debt that is no longer valid. 
XXXX XXXX doesn't care about this debt anymore and yet all this collection groups attempt to make some money off these invalid debts. 

Resurgent Capital Services is a collections agency which attempts to collect fake /old debt under many identities. Some of these identities are : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX   XXXX 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: Student loan

In filing my most recent employment certification form for qualification towards the Public Service Loan forgiveness program, I had my form denied due to the fact that I did not have an employment end date ( I am still employed, and that box was checked ) ; and it was stated that my employer did not date the form. However, upon review of the form, both sections were filled out appropriately. I called Fed Loans to discuss, and the agent informed me that it appeared the form had been altered for the DATE SIGNED. The agent said the " 8 '' look like it was changed from a " 6 ''. I have filled this form out for almost 7 years and have never had an issue. In speaking with a representative higher up, he told me they never should have denied my form. I ended up having to submit another form, however, am awaiting approval. 

This is just one of many complaints I have had with XXXX, including extensive wait times and forced forbearance on loans during re-certification periods or change in payment amount verification ( as occurred in XX/XX/2014 ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Transunion, 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. Transunion continues to report a Child Support case on my consumer report, this information is inaccurate, incorrect, false, misleading, and a violation of my privacy under the Law. I have attached a copy of my consumer file with this complaint. The report also states according to Transunion, the " estimated date '' for removal is XX/XX/XXXX. Which has long passed. I have contacted the courts and the agency and they have assured me, they DO NOT report to any credit bureau for any reason! I believe, this information has been provided by a third party which is also a violation under the FCRA. Furthermore, this alleged case has been CLOSED and SETTLED PRIVATELY between all parties. Since this has been on going since XXXX of XXXX, I also intend on filing a lawsuit in Wisconsin for Defamation of Character under XXXX. XXXX Defamation. ( 1 ) Whoever with intent to defame communicates any defamatory matter to a 3rd person without the consent of the person defamed is guilty of a Class A misdemeanor, against Transunion, as well as, the 3rd party whom furnished the false information. In closing, they have also reinserted this without prior notification, which is also a violation.. We settled this exact complaint in report number : XXXX. 
In which TransUnion LIED to the CFPB stating the filing was'nt even there!! in they're response. TransUnion is again CAUGHT LYING to the CFPB..I also have attached the consumer report, proving they reinserted it, and the LIE that it was never even there. Also, my Business Loan Officer stated this is listed as a BANKRUPTCY filing on my report!!! I never filed Bankruptcy, and there is no reporting of this ANYWHERE on any of my reports.
Product: Prepaid card

I purchased an XXXX XXXX XXXX from XXXX in XXXX, NC. The card was not valid. I sent it to another person for a bill. 
They could not redeem the card. 
I called Wells Fargo Bank and talked with a banker. He told me he gave me provisional credit for the card. This purchase took place in XX/XX/XXXX. The transaction amount of {$300.00} came back to my account in XX/XX/XXXX. They told me the card was invalid the numbers were wrong and did not match. 
Now, they tell me the card is valid and I have to pay the amount to the account or close the account. 
This is not fair of Wells Fargo. 
I dispute this charge and need this amount XXXX returned to my account immediately. 
They need to be taken to court and sued for this. I am innocent of this charge.
Product: Credit card or prepaid card

I have been fighting this situation with bank of america for over 9 months back in XXXX I had filled a claim on transactions I did not make realizing all my XXXX funds had been removed from my account I had requested a card to be sent to my home we're I live in a apartment complex were there is over XXXX apartments low income alot of theft has happened in this apartment complex I have made XXXX police reports due to my mail box being broke into people taking my mail the XXXX XXXX has to put a new lock on my box everytime this happeneds I reported all of my transactions and in XXXX I was only paid out half of my claim XXXX I spoke to a supervisor regarding my situation and was advised to send my documents over to bank of america I then faxed over everything the requested and now have had to do it 5 times and have done so they sent me a picture of a person at the ATM who has XXXX hair witch is clearly not me of they matched my id to the ATM they would have paid me out on all XXXX of my claims a supervisor found the other XXXX claims I was not even aware of and advised me to file claims on these a totle of XXXX claims now been calling everyday trying to get them paid out witch has put me in a very hardship leaving me and my kids XXXX XXXX XXXX XXXX  we lost are home due to these complacations very frustrating I have had to reopen my claims escalte them emails to the back office provided every document possible and still to this day I have not gotten anywhere I contacted XXXX XXXX state cenitors representative and explained my situation to her also and she agreed bank of America edd prepaid card was incorrect about there disition please help I can't get any answers been trying for over 9 months thank you ... XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/year> Dispute of Inaccurate Information and Request for Account Deletion I am writing to formally dispute the accuracy of information contained in my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I request the blocking of any information in my file that I identify as resulting from identity theft, within four business days of your receipt of this letter. 
Inaccurate Reporting : Under 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), you are required to ensure that the information reported is 100 % accurate. The accounts listed in my credit report are in violation of these standards and have compromised my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. 
Right to Privacy : Pursuant to 15 U.S. Code 1681, I have the right to privacy regarding my financial information. 
Furnishing of Accounts : According to 15 U.S. Code 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. I have not provided consent for the reporting of the disputed accounts. 
I request that you provide me with the original copies of the agreements and terms and conditions for the accounts in question. Failure to comply with this request will result in the necessity for you to delete the listed items from my report. 
Please delete these accounts from my credit report within four days of your receipt of this notice. If you fail to comply, I will seek to hold you accountable for {$1000.00} per account, as provided under the FCRA. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX ( XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Delete for inaccuracy and false reporting : The Date of Last Activity is not the same three different dates listed for XXXX XX/XX/XXXX, Equifax XX/XX/XXXX and XXXX XX/XX/XXXX same with Last Payment Date is not accurate. XXXX XX/XX/XXXX and Equifax XX/XX/XXXX. Incorrect date opened is listed XXXX XX/XX/XXXX and XXXX/Equifax XX/XX/XXXX XXXX No date closed listed for XXXX XXXX Equifax. Inaccurate information listed for High balance Equifax XXXX XXXX XXXX XXXX I have sent in multiple disputes via usps mail and have requested verification of how the information was verified. I have no received any documentation nor a far investigation within one week of the credit bureaus receiving my dispute the investigation is updated.
Product: Credit card or prepaid card

Synchrony bank will not cooperate with me, they have responded to my communications but not with the expected actions as listed in my letter of requests. I keep trying to resolve this issue. They are reporting {$1700.00} to the CRAs on my behalf. Which I recommend to cease and desist as I wrote in the letters. I also have information stating that they no longer hold a written agreement of this account in my name. Please assist me in finding a resolution to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by my employer, XXXX XXXX, on XX/XX/XXXX that someone had filed for unemployment benefits using my personal information. After this fraudulent incident was brought to my attention, I also checked my credit reports and found someone had applied for a Capital One branded credit card for XXXX on XX/XX/XXXX immediately and contacted Capital One to notify them of this fraudulent activity. I was told the credit card application was flagged as fraudulent and told it had not been previously approved. I was told that Capital One would send corrections to all CRAs of this fraudulent incident so that it would be removed from all of my credit reports within 90 days. 

On XX/XX/XXXX, I contacted Capital One again regarding this incident because as of XXXX, it appears that this fraudulent application and inquiry is still showing up on my credit reports I was told that they immediately reported this incident to all CRAs when I called them on XX/XX/XXXX. The customer service agent contacted the internal fraud dept and confirmed they had already send corrections to all CRAs when I called back in XXXX and I that had to individually contacted each CRA to find out why this fraudulent application was still showing up on my credit reports. I asked for my call to be escalated so that I could receive written confirmation this was sent, but was told that could not be provided. The customer service agent ( XXXX, ID reference XXXX ) refused to escalate my call even when I wished to file a formal complaint. She informed me that Capital One would only accept my complaint in written format and referred me to their website for more information. I find this whole situation ridiculous.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/closedXX/XX/XXXXXXXX Bankruptcy XX/XX/XXXX XX/XX/XXXXXXXX Bankruptcy XX/XX/XXXX Inquiries XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

I did not enter into a contractual agreement with this entity and do not know of them. And they have been harassing me.