23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity fraud. Since  XXXX   XXXX ,  Fair Collections and Outsourcing  has filed a collection account in the amount of {$15000.00} against my credit report. I do not own this account nor do I owe any money to their client   XXXX   XXXX   XXXX  . To support this statement I 've obtained a letter from their client which state s 1 ) that they do not have any records of my living in their apartment community on the dates that Fair Collections and Outsourcing claim ; 2 )  that they do not show me as owing any balance to their company ; and  3  ) that they have not initiated any collection proceedings in order to collect any debt from me. In  XXXX   XXXX , I took all supporting documentation, including this letter, to the  XXXX   XXXX  Police Department located in Maryland. Upon reviewing this documentation, the police have concluded that I am a victim of identity theft. I 've since shared a copy of this police report with the  Fair Collections and Outsourcing  agency, yet they continue to try and collect this fraudulent account. In speaking with their representatives, I am treated in a very rude and disrespectful manner. On many occassions, I have been hung up on and refused service when I insist on escalating this matter to higher management. Today,  XXXX   XXXX   XXXX ,  XXXX   XXXX  told me " I will not be transferring your call to  my manager ;  your account has been validated by our client. '' When I asked for the contact information for their client to have this issue resolved I was refused this information. I 've also asked to speak with their Compliance department which handles the removal of this account from my credit report and again I was denied access to speak to this department. In addition to this complaint, I have also filed a complaint with the Better Business Bureau of Maryland and  XXXX . Attached please find the above referenced police report and assist me in my dispute to have this account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of my personal information has been compromised and O believe that I am a victim of Identity Theft. I will be submitting my supporting documents. 

There are debt collection companies that are reporting on my credit with no validation that the debt they claim is mine is really mine. They can not provide me with proof with the original document with my wet signature. The FCRA states that I am only obliged to pay the original creditor and no one else. 

The following collection MUST be removed from my credit report : XXXX XXXX XXXX {$470.00} XX/XX/2021 The following inquiries were not made by me and Must be removed from my credit report : XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

To whom this may concern, Please be advised that this is my 4TH WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 
This is my final attempt to ask Equifax to removed this hard inquiry that not suppose to be on my credit profile as I explained the reason in the pass that you ignore. I have a life and can not be wasting hours keep calling around when clearly the mistake is not me. 
I will pursuit this to legal matter if this is not resolve asap it can Jeopardize my refinancing home approval right no. We can be a homeless if I dont have a clean credit record to show the lenders that this inquiry is not suppose to be on my credit report. 
Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately
Product: Vehicle loan or lease

When we went to trade our car in the y never would send the title and we had to constantly call them. And they never refunded our gap insurance money. Also we had later charged on our account and had to call every month to get green taken off by The companies error. Will never use Wells Fargo again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I recieved a notice on my credit report in XXXX That i owe an amount I never recieved a noticed and first of all I havent been to a doctor in years, years and we all know when we do go to a doctor they have us sign a document that says our information cant and will not be sent to a third party. But you lied they say I owe XXXX this need to be removed off my report ASAP because its not right why have a law if we not going to abide by it? Its a crime and I know if I submit a crime Ill be in jail right? Ok then I dont even have an account number with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these items on several occasions and no one at any of these credit bureaus are responding back and they can no longer say that they are short staffed. Please have these credit bureaus to do their job and have these derogatory items deleted immediately.. This has caused me not to be approved for my mortgage. 

XX/XX/XXXXXXXX-Unverified account- Delete immediately XXXX XX/XX/XXXXXXXX Unverified account- Delete immediately XX/XX/XXXX- XXXX-Unverified Account- Delete immediately XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, Texas XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX 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 went to review my credit report last year and saw a bankruptcy that didn't belong to me I disputed with credit bureaus and also XXXX XXXX since they were the 3rd party that supplied the information XXXX XXXX agreed it was an error and deleted it off my report., XXXX  deleted it after disputing and sending in my documentation. It is still showing on my Experian and XXXX  credit report. I was told I they verified the information with the courts and I would need to contact them, I contact the courts in writing that was listed and they stated they do not provide any information to the credit bureaus and I would need to contact them to dispute. I sent that documentation in and I was later told they verify the information with a third party ( XXXX XXXX ), who already deleted it from my file and also have file a dispute with the credit bureaus on my behalf and was never responded to. I've had XXXX XXXX file twice a dispute and no one has responded to them. I have had no issue with XXXX.
Product: Checking or savings account

Chase bank has had on hold a check deposited on XXXX to my checking account for the amount of {$6300.00} because they say have not been able to verify the check with the law firm involved issuing it. I have called for 2 days Chase to provide them the number for the law firm to be contacted and verify all information needed and Chase continues to say that the numbers I provide are not accepted because are not in the list they have, keep in mind the numbers appear on the law firm website. Chase already has the funds ( processed the check ) because law firm confirmed it with the bank but they still have them on hold saying if they can not verify the funds they will close up my checking account and retain the check. 
Chase is not helping me with other options to get this issue resolved as soon as possible, they just say that the number they have for the law firm comes up as disconnected therefore they can not verify the check and release the money meaning they will also have to close up my checking account and flag me for fraudulent check deposit.
Product: Student loan

I attended the XXXX XXXX of XXXX from XXXX to XXXX. I was an older student coming from a very humble family with no high school or college education. 

I was in a dead end job, just making ends meet, not being able to make rent or pay for my car. I decided to enroll at the XXXX XXXX to better my life and future after listening to their sales pitch. I do admit I did not know anything about school loans, federal vs Private, interest rates. I was told that my job prospects would be worth it. After attending a couple years, my significant other educated me on school loans, etc and I saw that my private/federal loans were in the tens of thousands already. I decided to stop the financial bleed and attend a state school. My federal loans were forgiven as part of the XXXX vs XXXX XXXX, but my private loans are still active. These private loans with over XXXX  % interest ballooned up to {$97000.00} at their peak. Originally the principal was {$30000.00}. Once I started paying on them in XXXX, after I finally finished college through a state school, the payment was over {$1600.00} between both loans, with the private loans being {$1200.00} of this amount. After paying them for a year and not making a dent, I refinanced the loans through XXXX as we were very close to filing for bankruptcy. During this time our credit card debt ballooned up to tens of thousands of dollars as we have being paying the refinanced loans for the last XXXX years. I hate myself for not being well educated as to the financial burden I locked my future family into for attending the XXXX XXXX and falling for their fraudulent tactics. I was not the only student to fall for this. The XXXX XXXX administration recently forgave {$6.00} XXXX in school loans for former XXXX XXXX XXXX. This is only for federal loans though. The XXXX Department of Education found that the XXXX XXXX made " pervasive and substantial '' misrepresentations to prospective students about post-graduation employment rates, salaries and career services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests to Experian requesting proper validation of an XXXX XXXX XXXX  account in the amount of {$510.00} listed on my credit report. I have repeatedly told Experian that this debt is not valid and does not belong to me. Experian has blatantly ignored these requests. The account on my report keeps coming back as verified but I as the consumer have not been provided with one shred of validation or verification documents which I specifically requested in said correspondence. Under the FCRA, I as the consumer am legally entitled to view the documents used in this investigation. I demand proper validation documents of said accounts on my report, to include but not limited to my PHYSICAL signature on a PHYSICAL contract. If the requested documents can not be provided then under the FCRA I demand said account be removed from my credit reports. Thank you for your advanced cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these letters were sent out to creditors advising them to please remove on authorized hard inquiries from my credit report. I have not authorized anyone to place a hard inquiry on my credit report nor am I from money with either of these companies. I have n't heard any responses from anyone and it 's been well over two months since I sent those letters out. I would like for these unauthorized inquiries to be removed from my credit report as it is damaging and hurting my score
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. 

XXXX XXXX Account # XXXX, XXXX XXXX : Account # XXXX, XXXX  XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX  : Account # XXXX, 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 or other personal consumer reports

I checked my Equifax consumer report and noticed that an item is being reported without my expressed consent written or otherwise. Their is a bankruptcy reporting that is being furnished after I have disputed its inaccuracy and made Equifax aware of its error in reporting this. It violates my right to privacy and goes against The Consumer Privacy At of1974. It states that " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). Equifax has been made aware through clear and conspicuous communication that the furnishing of this information is against my will and without my consent. Every time Equifax disseminates my consumer report, it is violating my privacy and laws set up by the FTC to mitigate identity theft.

Companies are supposed to adopt procedures that would aid in defense of such egregious misuse of my consumer report and protect the privacy of the consumers. Equifax failed to do that and according to 16 CFR 681.1 is liable for not following legal procedure and remaining compliant with Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, Experian and TransUnion, FHA XXXX XXXX, XXXX : XXXX. 
CFPB XXXX .this is just XXXX of the complaints. 

Every morning when I wake up, I have to fear of getting call 's and mail getting robot call 's were i had to change my phone number. were i missing a call about my brother because of the amount of robot call 's from the XXXX party collection 's calling over XXXX time when my brother died. and when you talk to a live person they don't care if your a victims they tell you to pay and then the will remove it, I cant sleep most nights without nightmares I so desperately want my life back. The life I had before the data breech that caused this night XXXX. Equifax, Experian and TransUnion still lets this happened, we had to file complaints FHA, CFPB is an independent federal agency built to protect consumers and nothing happening. collection 's dept. have taken money out my account 's were i had to change my account number. was homeless and i have to pay a huge amount of depts.. exceeding over XXXX just to rent a place, i missed out of buying a home because of the fraud and the lack of reporting with my old home loan with loan depo. right, THIS HAS ALSO AFFECTED MY WIFE XXXX XXXX " " "
Product: Money transfer, virtual currency, or money service

I My name is XXXX XXXX I had an account with chime online banking this was around XXXX to XXXX and on XX/XX/XXXX I was issued a government check in the amount of {$1200.00} they told me that the account was suspended and closed giving me no explanation why it was closed or suspended telling me security reasons and hanging up in my face so I called back over and over and over again telling me that the account has been closed and you need to reach the 24 hour supportive team by email I sent email over and over nothing here it is almost two years later and they still will not release the money or unsuspend and reopen account this is been long overdue all I want is my money and compensation for my lost time while the money was sitting in the account that they closed do the company negligence the account number for the prepaid bank is XXXX XXXX XXXX and I do not have this credit card anymore XXXX XXXX XXXX XXXX expiration XX/XX/XXXX XXXX security code XXXX my address is XXXX XXXX XXXX XXXX XXXX Texas XXXX my email address is XXXX and my telephone number is XXXX XXXX XXXX and my husband XXXX XXXX his number is XXXX XXXX please call either one of us to handle handle these matters
Product: Credit reporting or other personal consumer reports

XXXX XXXX allowed companies to view my credit report without my consent.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 Paypal deducted {$1300.00} USD from my PayPal account. 

With the following message : {$1300.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 

But the problem is that I don't know what exactly Acceptable Use Policy I violated and they refuse to answer specifically what I violated that gave them the right to debit that amount of money from me. Without a specific explanation I am unable to see if I truly owed them this money or if it was stolen from me. PayPal refuses to answer questions with specific answers, instead the speak in generalities like " Acceptable Use Policy Violation ''. 

I want someone from PayPal to call me at XXXX and explain to me specifically what I did to authorize them to deduct {$1300.00} Paypal has ZERO real customer service and I have the documents to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Motor Credit is erroneously reporting to the three major reporting agencies - XXXX, XXXX, and XXXX  that in XX/XX/2021 payment was late 30 days. No payment was given 30 days late to Toyota Motor Credit and the account is current. All documentation of account statements and billing statements show the account is current with payment history identifying all payments have been provided on time. A representative over a phone call also admitted to this. Toyota Motor Credit have failed to rectify this matter. Numerous phone calls have been placed with no success.
Product: Checking or savings account

XXXX writing to formally file a complaint regarding multiple overdraft fees applied to my account these fees were assessed despite having sufficient funds available at the time the transactions were authorized.However due to delayed posting of charges and credits I was unfairly charged overdraft fees applied.This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds.I believe these practices are deceptive and unfair
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

send them emails to verify those accounts but they never did any investigations on those accounts. they didn't verify me with anything or write me any letter with any kind of verification mail. I just checked my credit report and it shows nothing was done by the credit bureau. all my information is still there nothing has changed from the last letter i sent to them.
Product: Payday loan, title loan, personal loan, or advance loan

I got a {$500.00} loan in XXXX and have been making payments since then. I pushed back maybe XXXX or XXXX payments but it says my payoff balance due is {$800.00}! This loan should be paid off by now but with all the interest and fees and how long they make you pay on it, it will take forever to pay off this loan! And I will end up owing more than the loan balance itself!