23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

my. equifax.com - service provided an online copy of my credit report. Last statement in the SUMMARY SECTION says one account with negative information. No way to determine who or what. Called XXXX  XXXX they never acknowledge the problem, placed me on hold without notice, and never came back to the line .... 

I have a screen image that I will attach
Product: Checking or savings account

My account was hacked after my phone was stolen and several unauthorized purchases were made. I reported this to chime, cancelled my card and changed all my information. However chime refuses to return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative reporting from XXXX XXXX We have account info data that the mobile phone was paid in full in XXXX and the insurance premium care of XXXX was canceled and we have documentation from XXXX to confirm. Unable to reach out to company or talk with anyone in the credit Dept but yet we can log into my account and it shows it's paid in full and cancelled. Please help we have perfect credit and this is incorrect and a big inconvenience Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I first found this bill listed on my credit in XX/XX/XXXX by the company XXXX. I mailed a request for debt validation the same month, which was returned to me because the company refused delivery. I mailed another request for validation in XX/XX/XXXX and received a letter from XXXX with an attached final bill from XXXX from the months of XX/XX/XXXX through XX/XX/XXXX. I contacted XXXX in XX/XX/XXXX and filed a fraud complaint because I had no knowledge that the account was opened in my name and was XXXX from XX/XX/XXXX through XX/XX/XXXX. I received no response from XXXX, however the debt was removed from my credit report from all three major reporting agencies shortly after. 

On XX/XX/XXXX the same debt reappeared on my TransUnion report, but the company reporting it is XXXX. I sent a request for validation in XX/XX/XXXX and received the same invoice that XXXX sent. I made a complaint to CFBP last week that XXXX failed to validate the debt with any contract that included my signature or any other information that I requested. XXXX responded to the complaint with the same letter that was mailed to me that included the same invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft, I sent a letter to Equifax requiring them the block the hard inquiries and Collections from my Account within 4 days, I sent the 605B form along with all the other required documents. Equifax has refused to comply. After calling them over 15 times I have gotten multiple conflicting information from different supervisors in the fraud dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I contacted XXXX on XX/XX/XXXX because too much money was garnished from my wages. I was then told to contact Navient. I contacted them and was told that I would receive a check for the over paid amount ( XXXX and XXXX ) within 30-60 days. I contacted them again on XX/XX/XXXX because the second amount was garnished. I was then told it would be 60-90 days for my refund. I contacted Navient again on XX/XX/XXXX and told that now it would be 90-120 days and the money would be sent directly to my employer. I was never notified in writing or by phone call of the change in policy.
Product: Credit card or prepaid card

I have a very good credit rating, but I was late on one payment to the Bank of America. I have been a customer for over 30 years and thought with my payment record that they might waive the late fee. I was told that there is a law on the books that they have to treat all customers equal, therefore they could not give me a waiver. So I went on line to see if there is such a law and was not able to find anything regarding this law. I want to know that in fact this is true. Can you please help me with this? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX of LIPPMAN RECUPERO , LLC, an XXXX XXXX with ID XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX by way of approved actions by himself and/or his employees, contacted me using US mail XXXX The solicitation was missing the required disclaimer per the Domestic Mail Manuel codified in 39 USC 3001 & 3005. The solicitation came without my prior direct consent nor authorized by court order ; further violating the FDCPA [ 15 usc 1692c ]. The solicitation made claims that I owed them an alleged debt ; violation of FDCPA [ 15 USC 1692b ]. These are means of unfair practices to attempt to collect an alleged debt as we have no valid contract/agreement. My privacy rights have been violated. The creation of an account in my name without my prior approval nor consent constitutes identity theft and prima facia evidence of conspiring to violate the Gramm-Leach Bliley Act. This type of action of creating false belief in me that I am indebted to LIPPMAN RECUPERO , LLC is also addressed in Presidential Executive Order XXXX XXXX XXXX. Pursuant to www.state.gov website, U.S. & International Law describe this compelled service using a number of different terms, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can include, BUT DOES NOT REQUIRE, movement. XXXX  profit at the expense of their victims by compelling them to perform labor. XXXX XXXX XXXX on behalf of LIPPMAN RECUPERO , LLC has acted in Bad Faith with Unclean Hands in hopes of unjust enrichment by my demise. On XX/XX/2023 my wife spoke with XXXX, which he confirmed that LR, LLC has my Full SSN & DOB.

He asked if my wife wanted to make payment arrangements, she told him no. She asked him to place a Cease & Desist on my account, he replied by stating He has placed a DO NOT CALL on the file. I filed an FTC complaint addressing the identify theft being committed by XXXX XXXX XXXX firm creating an account in their books without my consent nor by way of a valid agreement between us as well as addressing them having my information ; being my FULL social security number, Date of Birth, Address and if LIPPMAN RECUPERO , LLC has my bank statements, my shopping habits, location of where I shop, etc; which is ALL nonpublic personal information according to the Gramm-Leach Bliley Act. LIPPMAN RECUPERO , LLC knowingly participated and conspired to fraudulently collect on my extension of credit ; this is a violation under Title 18 894
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account DISCOVERBANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVERBANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

I was going to sign up for XXXX through healthcare.gov, but when I found out that I would only get coverage for one month through them and then would have to switch companies, I decided to just go without insurance for one month. I called XXXX and told them I did n't want their coverage for the one month, and did not pay the premium, thus never activated my insurance. I have now been sent to collections through XXXX for a premium I should n't owe. They never provided coverage to me. I told them I did n't want their coverage, which again they did n't ever provide because it was never activated for that month. In addition to my complaint that they are billing me for services they never provided me, as far as I know through the affordable care act, it is illegal for them to send me to collections for an unpaid medical premium in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

: I have recently been informed again that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$260.00}, {$530.00}, {$64.00}. I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twice or reported wrongthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

I respectfully request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian/TransUnion credit reporting agency block all accounts , collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX ( XXXX ) business days of receiving this complaint. 

I kindly ask that all written confirmation regarding this matter be sent to me via email at XXXX. 

Thank you for your prompt attention to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding that the 3 major credit bureaus either provide me with some type of signed contract with these companies they are reporting on my credit files, or block, remove / delete them immediately and permanently. During my XXXX it seems that my identity has been compromised and therefore I'm asking for these accounts to be removed, # 1 XXXX XXXX {$290.00}, # 2 XXXX XXXX XXXX {$250.00}, # 3 XXXX XXXX, # 4 XXXX XXXX   {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX XXXX : {$2100.00} ; US DEPT ED XXXX Balance XXXX {$4200.00} ; US DEPT ED XXXX Balance : {$4400.00} ; US DEPT ED XXXX Balance : {$9300.00} ; US DEPT ED XXXX Balance : {$2100.00} XXXX US DEPT ED XXXX Balance : {$3700.00} ; US DEPT ED XXXX Balance : {$4100.00} ; US DEPT ED XXXX Balance : {$10000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is refusing to comply with the law under subsection 609 of the FCRA, by refusing to provide documentation of the information it was provided or has used to verify the accuracy of items on my report.
Product: Debt collection

The company has not sent proof of the debt being mine. I also have no knowledge of this account. 

Southwest Credit Systems opened XX/XX/year> Ive tried calling but no one answers or trys to help me get this off my credit report. This account has been listed in my identity theft case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my mail stolen/lost. I am XXXX years old. Upon my son helping me check my report online, I found that someone has applied for credit without my authorization at several companies. I have attempted to contact the companies directly and have reached out to all 3 of the reporting agencies. I sent in my police report that I filed with the police department along with a letter that explained what has happened and what companies pulled my credit without authorization.
Product: Bank account or service

Chase Bank account closed, charged off and/or settled, negotiated through XXXX XXXX XXXX ( XX/XX/XXXX thru XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Application Status To check the status of your pending application, please enter your Application ID and your Zip Code and then select Continue. 

*Required Field *Application ID : XXXX *Zip Code : XXXX Cardmember : XXXX XXXX XXXX Application Id : XXXX Add citicards@info.citibank.com to your address book to ensure delivery. 

Your Citi Credit Card Application Status Your Citi Credit Card Application Dear XXXX XXXX XXXX : Thank you for applying for a Citi credit card. Your application for the Citi Card was received on XX/XX/2017. 

We are currently processing your application and will be in touch within 1 week. We look forward to the opportunity to serve you. 

To check your application status, please click here. 
https : //www.accountonline.com/cards/acq/CardApplicationStatus.do? screenID=XXXX & applicationID=XXXX We look forward to having the opportunity to serve you. 
so i put in my information ... and this is the message ... Citi We are unable to complete your request at this time. Please call XXXX for further assistance. so i have great credit just follow my asset # XXXX because when you take out a loan you have to show THE FEDERAL RESERVE YOUR CREDIT SCORE AND I HAVE THE NEW CREDIT ALLOWED BY MY FATHER XXXX TAKE IT UP WITH HIM HERE IS HIS NUMBER XXXX
Product: Credit reporting or other personal consumer reports

I had moved and returned free equipment using provided label. Years later I see the late account and contact XXXX, also filed dispute. 
XXXX said the would remove the entry, as it was not a paid account at all, but free Internet program. 
Now I find they marked it paid and credit reporting will not remove it I can provide suprring documents
Product: Debt collection

First communication from company is a settlement offer letter with a list of supposed small balances that add up to a sizeable sum - all from a company I don't recognize. The letter does not contain mandated fdcpa dispute information or rights to dispute. I tried calling a provided number but went to a voicemail. I see no reason to provide information to a company that has failed to provide any information about the origin of this supposed debt, my rights as an alleged debtor, or a mechanism to talk to a person. 

Initiating contact via a settlement offer in the way they have runs afoul of the FDCPA and I ask for a civil penalty to be levied against them to ensure this practice is not continued.
Product: Mortgage

Loan officer and underwriter refuse to answer emails sent out during the refinance process, send pushy texts and play games with underwriting. The only priority is their commission and when they aren't able to get what they want, they sabotage the process. 

After I complained to their Veterans United `` advocacy team '', the loan officer emailed and demanded more money to continue the loan process. Instead of assisting, VU causes additional problems. 

While they come up with additional underwriting requirements 8+ weeks later, the closing date keeps changing and I go without the equity money needed, while I accrue damages. 

I have attached email screen shots from XX/XX/XXXX, when the process was started, to XX/XX/XXXX when additional underwriting requests were made. I also have an email sent to Ms. XXXX that contained underwriting information, which was never accepted or even acknowledged 3 weeks later.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$7900.00} ; XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XX/XX/2023.
Product: Checking or savings account

I used the bank 's electronic bill pay service to pay my rent. 

According to my landlord, the rent payments were not delivered on time and the landlord assessed late fees. 

The bank has not resolved this issue or reimbursed the late fees.
Product: Debt collection

Upon checking my credit report, I noticed an account by the name of rise reporting to XXXX concerning me. I called and spoke with a XXXX agent with my concerns and inform them this was n't my account. The agent replied to me that the account was in good standards and as I told him, I do n't care it was n't my account and to remove it. I 've been a victim of Identity theft and I 've filed a police report case number XXXX Officer XXXX with the XXXX, Alabama XXXX Police Department. number XXXX. I 've also sent a Certified Letter with a returned receipt that I have to XXXX XXXX and Rise also the other credit reporting agent concerning this Rise Account along with a police report and Identity Theft notarized affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX Loan amount {$1700.00}, and Acct # XXXX Loan amount XXXX. Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 166b A creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Debt collection

According to THE FCRA I did not give ( TrueAccord ) any permission to furnish any information, I did not give written consent or verbal consent, that is a clear violation of 15 u.s code 1681b please remove from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.