23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Product: Debt collection

I have never done business with AMSHER COLL and I do not owe any alleged debt to them. This company has no right to collect any debt if they are not the original creditor. Furthermore, the listed original creditor has received and equipment and payments listed on the file. I have attached the receipt of the return to the original creditor. AmSher Compassionate Collections violates several laws including 15 U.S.C 1681 Section 604 A Section 2, 15 USC 1692b ( 2 ), and 15 USC 1692e ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed several times to TransUnion, XXXX, and XXXX about XXXX XXXX sent the errors reporting across all three.Payment history on XXXX section is reporting 120 days late and TransUnion is nothing reported, XXXX shows co.XXXX is the only one with a payment date of XXXX.The other two no payment.Also different active date. They just keep updating it with no changes which means they are not even investigating.They are saying this meets the FCRA requirements which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent 2 letters already for TransUnion and XXXX to remove those inquiries in my credit report, unfortunately, they don't even answer my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 


Bank of America XX/XX/2020 2020
Product: Debt collection

The vehicle in question was purchased and financed on XX/XX/2013 by JPMCB and was repossessed in the state of North Dakota and sold by an unknown company on an unknown date. I was not notified about any of the above. I wasnt served certified or notified of any of the information. My credit report states it was an involuntary repossession with {$9300.00} owed Under the laws of North Dakota and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I have not received proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL The alleged claim of a deficiency should be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports should be considered a violation of the FDCPA and FCRA. In addition, they have singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, at no point in time and under no circumstances is this company ; an employee of your company ; a representative for this company or affiliates to contact me or any family members by any means other than the US mail system. 

The alleged claim of a deficiency should be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports should be considered a violation of the FDCPA and FCRA. 

In addition, they have singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 

Furthermore, at no point in time and under no circumstances is this company ; an employee of your company ; a representative for this company or affiliates to contact me or any family members by any means other than the US mail system.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681.

The accounts bellow have violated my rights 15 U.S.C 1681 section 602A. States I have the right to my 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 1681 ( a ) ( 5 ) Section Status : no consumer reporting agency may make any consumer report containing any of the fallowing item 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 USC 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 

Delete the account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$1900.00XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had an inquiry for a Kohl 's Charge card, which I never did on XX/XX/2018. I have never even been into a Kohl 's store. I reached out to Kohl 's customer service when I noticed it on my credit, who told me that it would be removed from my credit inquires in a month. Three months later, it is still on my credit. Every time I call back, I'm given the " run around '' and transferred to multiple extensions who don't answer. At one time, a rep. gave me the number where I was being transfer if I got no answer or was disconnected. When I called the number back, it was for XXXX. It's very frustrating what I've gone through to have this removed, when it wasn't even something that I applied for in the first place. I would like this Kohl 's Charge Card Inquiry removed from my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found XXXX accounts under XXXX business on my credit report by the name of : XXXX XXXX opened XX/XX/2021. 

XXXX account has an account number of XXXX XXXX account number is XXXX I have no knowledge of ever signing up for these accounts. The accounts were not opened by me at all. Please remove BOTH of these accounts from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX. If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Credit card or prepaid card

I closed my account in XX/XX/XXXX. After trying for a week and being told no after speaking with 12 representatives from chase credit card customer service. I was told once I closed the account I wouldn't be able to make any purchases on the account. My APR would remain the same and all I needed to do was make payments on the account. One month later the APR increased from XXXX to XXXX this is XXXX. XXXX I noticed another increase XXXX, XXXX another increase XXXX. I call the bank after the first two increases. I am told there haven't been any changes on your apr. I ask if the can reduce the rate. They tell me No. I ask why is the rate skyrocketing and I can't make purchases on this account and I make payments on time each month. They tell me I can speak to another person and put me on hold and the call is disconnected. I got through this about 5 times. In XXXX my APR increases again. No notification from the bank. This time my APR is XXXX .Next statement XX/XX/XXXX XXXX XXXX XXXX. No notification I beg to speak to someone in the department who can tell me about what is happening. The fluctuations in my rates are very concerning. I speak to three different people. No one can help me, numerous excuses and no explanation. Finally a man gets on the phone and tells me the federal government raised the APR. Sorry thats not my department. I will be happy to switch you over to someone. I wait to speak to whomever is assigned to me and I get hung up on.
Product: Credit card or prepaid card

Today I found out that my Best Buy card has been charged a monthly fee for " Debt Protection. '' I called Best Buy to see what this was and when I had purchased it. They said that it was in case I ever lost my job, died, etc, so I could keep making payments, and they said it had been on the account since I opened it in 2005. I never noticed this before, because I generally pay the bill online and only look at the amount due because I rarely use the card, and have primarily only used it for large purchases. In other words, I trusted Best Buy and assumed that a handful of transactions + interest would show up on my statement in a given year. At any rate, since 2005, I have been charged over {$5000.00}, although the representative could not give me an exact amount because the card was no longer serviced by XXXX, who serviced the original card ( I am attaching the statements I was able to access ... you'll be able to see year-to-date for the last three years ). 

This whole thing is problematic for a few reasons : 1 ) I never purchase or agree to these types of plans. They are a waste of time and that is why I have insurance/disability. It would be very out of character for me to agree to something so trivial. 2 ) I have no recollection of agreeing to this plan, and I have a pretty good memory. I remember specifically setting up this account in the store and paying close attention to what the representative was saying as he explained everything. I was careful about what I agreed to and what I did not agree to. This was my first credit card, and I researched it and asked lots of questions before signing a single thing. 3 ) This is not the first time something like this has happened. I have heard from close friends as well as countless people on Best Buy message boards who were mislead by Best Buy employees who used unethical tactics to take advantage of customers. 

I have spoken to several people inside of the Best Buy organization and they have told me that this will need to be reviewed. However, I was never given that option. Instead, they took money from me without my knowledge or consent for years. So, I would like to file a complaint and ask that they return every penny.
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; A consumers transactions are excluded from the consumer reports. XXXX and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means.

consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
XXXX or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and XXXX is a violation of 15 USC 1681a the definition of the consumer report does not include XXXX or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. 
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. 

You have furnished transaction information on the following accounts. 

XXXX XXXX XXXX late payments dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX My account with XXXX was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family! I need the following late payments Deleted : XXXX XXXX LATE payment dates XX/XX/XXXX, XX/XX/XXXX, JuXXXX XXXX XXXX  USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
These are not XXXX XXXX compliance as well. 

Your truly XXXX XXXX
Product: Debt collection

I've contacted portfolio recovery services and made them aware that these accounts were already deleted. I can't find the original documents that I've used to have these accounts deleted. I have proof via credit reports and screenshots that these accounts were agreed to be deleted by original creditor. They've been deleted and Portfolio Recovery are attempted to make fraudulent collections accounts on my credit report and I'm in the process of proceeding in a civil manner with my Attorney for violation of FCRA rules as well as my civil rights due to fraudulent collections and harassing letters. I don't have anymore collection accounts on my XXXX credit report. Portfolio has been deleted as supporting documents shows.
Product: Credit card or prepaid card

I got the offer from US Bank to apply for their US Bank XXXX XXXX XXXX card. But when i applied for it, the application was rejected even when i am have a credit score of XXXX. 
Why US Bank is sending the offers to customer if the customers will be rejected for those credit card offers.
Product: Credit reporting or other personal consumer reports

Subject : Incorrect Outdated Address on Credit Report Description : This is my second complaint regarding Equifaxs refusal to remove an outdated address from my credit report. Despite providing evidence of my current address, Equifax continues to report my previous address, which is incorrect and negatively affects my ability to securing credit. 
I request that Equifax be directed to promptly update my address information and remove the outdated entry to ensure my credit report is accurate and fair. Documentation of my current address and previous dispute communications with Equifax are attached for review. 

Resolution Requested : Removal of outdated address from my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is depressing to see the Credit Reporting Agencies do nothing with regards to my appeals for them to remove the disputed items that resulted due to Idenity Theft. I have already sent nineteen dispute letters pointing out the fact that I was a Victim of identity theft and that I never received anything nor benefits as the result of the theft of my identity. With the Creit Bureaus decision to ignore my written appeals, they have violated the Fair Credit Reporting Act section 605b and I am planning to take legal actions against the Credit Bureaus. I feel like all XXXX efforts ahad gone to waste and that the Credit Bureaus liked seeing a consumer like me suffer because of their negligent and non-compliance. I have informed my legal council about my plans and they are willing to help me. Once again, I need the Credit Bureaus Remove the Following items pursuant of the FCRA section 605b as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, NV XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Product: Money transfer, virtual currency, or money service

I was in the class action lawsuit against cash app and was ignored.
Product: Checking or savings account

I have deposited an amount of {$10000.00} ( XXXX dollar bills ) at one of the Wells Fargo ATM machine. The ATM machine started counting the bills shown on the ATM screen. After counting {$7800.00} or so machine stopped and screen frozen. After some time ATM machine returned {$5600.00} and deposited {$3000.00} only into the account. The ATM machine eaten up {$1400.00}. When this happened I called Wells Fargo toll free number found on the ATM machine while I was in front of the ATM and complained about the issue. The person on the line filed the complaint and mentioned that an investigation will be initiated on the matter.

Wells Fargo credited {$1400.00} while they were investigating however they debited the same amount saying they couldn't find the money upon doing the calculation.

I have reopened the case and file another new complaint with same response from them.

I found many flaws in their investigation and pointed it to them however they kept the same statement and didnt try to go any deeper.

I also called the CEO office to escalate but wasn't able to reach anyone to escalate the issue further.
Product: Checking or savings account

I noticed multiple fraud charges on my bank account totaling {$1300.00}
Product: Debt collection

I received a letter from Convergent Outsourcing Inc dated XXXX XX/XX/2020 notifying me a XXXX account I had was sent to collections. I never got a final bill from XXXX, but that is another discussion. 

On XXXX XX/XX/2020 I got a call on my cell phone demanding payment from the same company. This violated the 30 day validation period that began XXXX XXXX per the notification letter. 

I confronted the collector on this and was sent to a supervisor. The supervisor denied the violation and again demanded payment. 

I requested a breakdown validating the balance, and was told that would have to come from XXXX as the collector can not furnish one. I confronted them on the fact the collector is obligated per FDCPA to furnish the breakdown when disputed and requested. They denied that as well.

There are FDCPA violatio

ns : 1. Initiating contact inside the 30 day validation period. 2. Refusing to provide an account breakdo
wn validating the debt.
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification and Continued Dispute of Charge-Off To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Thank you for your attention to this matter.