23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notice from I.C. Systems Inc. on XXXX claiming I owed an alleged debt in the amount of XXXX I responded to the notice through certified mail with return receipt for my evidence, I never received a response back according to the FDCPA this company had 30 to 45 days to respond which I.C. Systems Inc. failed to do so, I wrote them a second time still no response this is a direct violation to my consumer rights also they were supposed to stop all collection activity and reporting to the credit bureaus until they could verify the debt with a contract bearing my signature and other forms of documents. Which they continued to do without my written consent according to the FCRA 15 us code 1681b that's another violation permissible purpose. I am in my legal rights to counterclaim against I. C. System Inc. for up to XXXX for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am seeing the following hard credit inquiries on my credit report. I have never ever requested any sorts of loan or credit from these institutions. Based on my research so far, it appears that all these are spam or fraud institutions and I need to file a formal complaint against these. 

1. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX
Product: Checking or savings account

Cash App ( Square ) sent me a cash card ( Checking account debit card ) for which I never applied for. It appears that someone has stolen my identity as I was contacted by XXXX XXXX and advised that a fraud ring has my information and an account was attempted to be opened with them. 

Square sent this card to my home address with no other information ( no phone number, no email, and no address to respond to them ). I am concerned about fin techs that don't have proper controls or the ability to resolve a fraudulent account openings. 

I called square and they said that is a separate company not affiliated with Square. ( But  their name is on the bottom of the Cash app website ). They said I had to fill out a form on the cash app website ( https : //cash.app/help ). When I clicked on the contact support link the website page asked for my email or phone number which is impossible to provide since I didn't request this card ( and the identity thieves put their contact information not mine ). In order to fill out a form they require a phone number or email address to do so. This is frustrating since I didn't open the account and don't have the information the fraudsters used to open the account. 

Meanwhile the account remains open with my name, ssn, and dob and no avenue to  close or resolve the issue. Additionally the fraud will continue on the account without any ability for me to stop it!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I Have already disputed these items on XX/XX/2022, XX/XX/2022, And XX/XX/2022 but the bureaus did not remove them. 

Under Sec. 602 I Have A Right To Privacy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I moved out of an apartment complex in XXXX. I received a call from Rent Recovery Solutions on XX/XX/XXXX stating that I owe the apartment complex {$190.00}. The apartment complex never contacted me regarding a bill due, by mail, email, or call. I have been in contact with the leasing office for months after moving out and was never made aware of any money due. They sent the bill to a debt collector that has been calling to take a payment for the bill. Rent Recovery Solutions has a website and you can make payments on there so I tried viewing my account and it does not show up when putting my information in. I did not submit my SSN but that is one of the options. I had trouble so I contacted an agent and they said I can put my SSN in and it will pop up but I refuse. The company has horrible reviewing saying it is fraudulent. The agents are rude and manipulative as well. The apartment complex, XXXX XXXX, in XXXX, NC should also be found liable because they never contacted the residents. I would like the know the status of the company. The leasing office says I owe a water bill months after moving out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incorrectly reported by Bank of America for suspected fraud activity which currently is stopping me from opening bank accounts. My employer gave me a check to deposit, but the check bounced. No amount of funds were taken out of the account, nor do I owe the bank any funds because of the bounced check. This occurred on XX/XX/2016, and the account closed on XX/XX/2016.
Product: Debt collection

I have been receiving emails from Optum that state '' Your XXXX Advantage Medical Savings Account ( MSA ) has been overdrawn since XX/XX/XXXX. 
It's important we inform you that, according to our records, your MSA has been overdrawn in the amount listed above since XX/XX/XXXX. Please bring your MSA current by XX/XX/XXXX to avoid account closure. '' I don't have an account with Optum bank since I switched to a different Insurance this year. I don't know how I could have over drawn an account that doesn't exist. I emptied that account in XXXX. I believe this is bank fraud preying on seniors or it may be phishing scheme. I don't believe that Optum is so XX/XX/XXXX as to allow someone to overdraw on an account that is closed. This is a small amount of money that could be some internal mistake of the bank accounting fee that I should not be responsible for. thanks for your help. XXXX XXXX
Product: Debt collection

I have been receiving letters and a voicemail message from XXXX offering a discount on a debt of {$2500.00} that needed to be taken care of. They said they were issuing a XXXX against me. I had no idea what the debt was for so I went to the website and found that it was a debt that my ex-husband incurred several years after our divorce was final XX/XX/XXXX, XXXX XXXX, TX. 

I found the case online and stated that it was not my debt that I had been divorced since XXXX and requested they cease and desist contacting me for a debt that I did not owe. 

In less than 2 weeks they called my husband 's phone and requested to speak with XXXX XXXX ( my ex-husband 's name ). They said they were collecting a debt that I owed and he gave me the phone. 

I informed the woman on the phone that it could not possibly be my debt because it happened several years after my divorce. I only know that because I asked her what year it was from. I informed her that I had a voicemail from her company stating that they would report me to the credit bureau and IRS. She said that her company does not ever threaten to do that ( see attached folder ). I also requested that she send me some proof with my signature on it for the debt they were collecting. I have not received that from them, just papers to fill out for fraud. I can not fill out fraud papers if I do not know what the debt is for or if someone was impersonating me in the mid XXXX. 

They have refused to listen to me or address my request for proof of a debt that is over XXXX XXXX XXXX. Unfortunately I am tied to that man since I was married to him from XXXX to XXXX. After some research I did discover that he died in XX/XX/XXXX. I have had no contact with him since the divorce and do not know what happened in his life since XXXX. 

I do know that the debt is not mine. I had to pay off his tax debts for the last 2 years of our marriage because he would not file his taxes. 

I have received no proof that my name or signature was ever on that debt. It is not on my credit report and this company needs to be reported. I am attaching a transcript from the voicemail that stated they had filled out a 1099C tax form.

Fraud forms sent to me are from XXXX XXXX XXXX XXXX showing creditor as Velocity Investments , LLC
Product: Credit reporting or other personal consumer reports

This marks my latest endeavor to contest the information within my credit file, which has arisen from an alleged incident of identity theft. Once again, I am forwarding an identity theft report, numbered # XXXX. Pursuant to FCRA Section 605B ( a ) ( 1 ) ( 2 ), you are obligated to expunge any information within my file resulting from an alleged identity theft, no later than four business days following the date of receipt, accompanied by ( 1 ) appropriate evidence of the consumer 's identity and ( 2 ) a copy of an identity theft report. Enclosed is the roster of accounts I seek to have removed from my credit reports, categorized by bureau : XXXX : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$18000.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$3700.00} XXXXTRANSUNION : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$3700.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}. Please be advised that you have four business days to expunge the reporting of any items in my credit file resulting from an alleged identity theft. I do not consent to E-OSCAR or any automated verification methods.
Product: Debt collection

Recieved a statement in mail from Convergent Outsourcing Inc in XXXX, WA. Claimed owed {$200.00} to XXXX but would settle the debt for {$70.00}. Provided method of payments including giving them your credit card info. We are long time XXXX customers in good standing. Called XXXX to verify we owed nothing and that they had never contacted a debt collection company. Went online and this company has XXXX complaints similar to ours with the XXXX. Total scam.
Product: Debt collection

My wife notified Portfolio Recovery Associates , LLC via certified mail to stop contacting us about a debit that is over 10 years old. We then received a letter from them ( attached to this complaint ) demanding that we provide them with her tax payer ID as the XXXX regulations ( unspecified ) requires them to provide that info to the XXXX. I do not believe that this is true but as they are indicating in that letter than we might be fined by the XXXX up to {$50.00}, I wanted to check and be certain before I provide her SSN number to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX ... the living human being, I am submitting this on my own behalf..no credit repair company..no attorney ... .this is my knowledge of the Fair Credit Reporting Act. I recently submitted to all 3 bureaus that my credit reports contain fraudulent accounts, I submitted all correspondence proving that these accounts are fraudulent yet the bureaus continue to send me reports claiming that these accounts belong to me without any PROOF! I know it's frivolous, hoping that I go away and accept this fraud. The consumer financial protection bureau know first hand that these companies work for the CORPORATE wolves! I demand that these bureaus, XXXX, XXXX AND TRANSUNION are forced to do their jobs! In accordance with the Fair Credit Reporting Act XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C. 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 SECION 2. STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.

Every account listed above has been put on my credit reports fraudulently and I demand they every one of them is deleted immediatley! the Law is clear and all 3 of these Credit reporting agencies are clearly in violation of the law and I am prepared to do everything I need to do by LAW to hold them accountable! Every violation holds a monetary value that I will pursue in the courts.
Product: Debt collection

National credit Systems is reporting an inaccurate collection account on my reports that I have been disputing for some time. 

I sent them a letter requesting validation of debt which I have left the tracking to prove receipt XXXX XXXX XXXX XXXX XXXX. 

In receipt of my dispute they asked me to provide documents concerning this debt and sent over an itemized statement from the original creditor. How are they able to verify this debt as accurate if they are asking me to send in documentation regarding this account? Furthermore, an itemized statement is not proof of debt. 

Clearly they are unable to validate this debt and I am requesting that this account is deleted from my reports now!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX   XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times  in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX, XXXX, CA XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Debt collection

i am writting in response to your recent communitication regarding a debt you claim i owe to your company, according to the Fair debt collection practices act, i am entitiled to request validation 15u.s.c.1692f
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX -Wyoming agreed to remove my account from my Credit Reports on XX/XX/2019 on a recorded line. I agreed to the terms and made a payment of {$940.00}. However, upon checking my credit reports, this account was not removed. Instead they showed the balance at XXXX dollars and the account closed. I called back and the customer service representative said that " they don't remove accounts. '' However, that was not the terms I had agreed to. This was a fraudulent debt that this agency continued to harass me about and when I agreed to make the payment in full, provided they delete this account from my credit reports, they refused to do what they said. This is illegal and unethical and this company should be held accountable.
Product: Debt collection

I am a XXXX XXXX XXXX XXXX, and as a result of this exploitation, multiple fraudulent collection accounts have appeared on my credit report, all listed under SUMMIT A R, with the original creditor being XXXXXXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened without my consent during a time when I was being XXXX, and I have no involvement or knowledge of these transactions. 

Here are the key details : Date Opened : XX/XX/year> Amounts Involved : {$1400.00}, {$640.00}, {$750.00}, {$210.00}, {$510.00}, {$990.00}, and {$400.00} Account Status : All accounts are currently reported as Collection/Chargeoff with a derogatory status. 
Last Reported Date : XX/XX/year> I have disputed these accounts directly with the credit bureaus, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605C and 609 ( e ), to have these fraudulent accounts removed. These entries are causing significant damage to my credit profile, which is particularly distressing considering my status as a XXXX  XXXX. I am seeking immediate removal of these accounts from all reporting agencies as they are directly tied to my victimization. 

Thank you for addressing this matter with urgency and compassion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their are several incorrect items on my credit file between XXXX XXXX XX/XX/2022 several letters were submitted to XXXX and XXXX and directly to the creditors to avail it has been over 30 days and I would like to know why the items are not being remvoved?
Product: Credit reporting or other personal consumer reports

I have tried to rectify the issues with Transunion as I am a victim of identity theft as well as a victim of the XXXX data breach. Transunion, XXXX refuse to acknowledge my paperwork and are using stall tactics. I have demanded that they remove the information and delete the fraudulent and inaccurate accounts and Transunion and XXXX will not move forward with my documentation. I have submitted a FTC report as my drivers license and social security card. I asked why it wasnt acceptable and they told me that they wouldnt disclose the reasons. I demand that the accounts from my FTC report are removed and that they acknowledge my documents and discontinue the stall tactics that are being used.
Product: Credit reporting

Hello! I am a single mother struggling to make a better life and I had my score up to XXXX and higher to get a mortgage then XXXX on XXXX seperate occassions accused me of owing money which both times their company admitted fault and removed it HOWEVER my creidt score reflects as if i owed this for the almost year it was on y report and i didnt know : ( Now i a renting at high amounts and my score is XXXX!!!! HELP!! Please!! This is the problem in america we have become just like 3rd world counbtries where the rich and large companies are allowedd to hold down the common man /woman
Product: Credit reporting or other personal consumer reports

Old XXXX XXXX  credit card, a limit of XXXX and it was misused by XXXX so I closed the account voluntary and it will not remove intentionally from XXXX in an attempt to get me to purchase their monitoring services. I dispute the items along with cred adj company a third party I never conducted business with.in which it is fraud and violates fair credit rep
Product: Checking or savings account

XXXX XXXX, an employee of XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX. I am the sole owner. XXXX assaulted me on XX/XX/. I was awarded a protective order from one year, and the judge allows him to run the day-to-day operations of my company XXXX XXXX XXXX. On XX/XX/ XXXX walked away from the company without giving me any warning or notice. I had to subpoena bank records from First National Bank where XXXX personal checking account, a checking account XXXX a business XXXX is owner of at XXXXXXXX XXXX, a checking account at XXXX XXXXXXXX XXXX where XXXX XXXX XXXX XXXX, owned by XXXX XXXX ( brother ) XXXX runs/ownes. I received all the proof XXXX endorsed checks made out to XXXX XXXX XXXX and mobile deposited these checks into his personal account at FNB, mobile deposited checks into his business at XXXX, mobile depisited checks and had wires deposited into FNB in XXXX XXXX XXXX, these deposits were significant at over {$110000.00}. When he walk away I was left with lots of bills, people calling me for money to pay bills, all the money XXXX took he was supposed to pay these bills. Instead he walked away and left me in so much debt the company closed and I have had to deal with lawsuits.
Product: Debt collection

I am submitting a compliant against XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is owned and operated by XXXX XXXX XXXX XXXX Additionally, I am submitting a compliant against COLUMBIA DEBT RECOVERY LLC DBA GENESIS for attempting to collect debt that I do not owe. 

I moved out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and received and cashed the deposit check for {$310.00} on XX/XX/XXXX ( with damages already deducted from the initial {$500.00} deposit ). 

An email appearing to be from XXXX XXXX XXXX contacted me on XX/XX/XXXX attempting to collect {$130.00}. This was the first email I had received since the move-out nearly one year prior. However, XXXX XXXX State law stipulates the landlord has 30 days to contact the renter after the completion of a lease. XXXX XXXX XXXX is FAR past the statute of limitations to contact me. 

Moreover, the link to the payment site pointed to a non-XXXX  affiliated website XXXX XXXX XXXX XXXX XXXX XXXX, which indicated to me that the email was most likely fraudulent. 

I attempted to contact both XXXX and Columbia Debt Recovery via email on XX/XX/XXXX, but I have not received a reply. 

Additionally, my most recent credit reports from both XXXX XXXX XXXX show the collection account for money that I do not owe.
Product: Checking or savings account

On XX/XX/2019 someone deposited a fraudulent check. To my account for {$1500.00}. A representative called me to inform me about the fraudulent action. I immediately asked her to file a fraud claim. Since I never make mobile deposits. Especially from checks or any fake checks. I dont make any mobile deposits. From any devices that arent XXXX products. I always make my deposits in the bank or in person. After this happened. Bank of America was quick to freeze my account. And closed off all my cards. So I wouldnt have any access to my funds. I had {$170.00} dollars left in that account. Also a direct deposit from my job which was of {$760.00} that still posted from my employer. When I asked what was going on. They basically gave me the run around. Ive spoken to many representatives about this matter. They all say the same thing to me. Basically saying they cant do anything on the matter. They basically said I have to wait. Until the fraud claim is cleared. And that they are still investigating this matter. That these claims take up to 60-90 days to be resolved. When I asked about taking out my remaining funds. The money that I worked for the past couple of weeks. They said that wasnt possible. They cant do anything until the fraud department said it was ok. For them to be able to return my funds to me. Which would later be sent out to me. By a form of a paper check. Which is what I dont want. I want to retrieve my money from the bank. And just close out my account. Honestly who knows how long this claim is going to take. Due to Bank of Americas negligence and lack of security. Im in deep financial stress. Due to my account being frozen. Im not able to pay any of my bills. Im tired of talking to all these representatives and have them do nothing about the matter. Im financially struggling due to my accounts being frozen. And having no access to that money. While Bank of America does nothing on the matter in this investigation.