23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a bill from Midland Credit Management dated XX/XX/2019, to which my daughter called my attention. We had never seen this account, so I checked my credit and learned that this debt was for a XXXX credit card with XXXX. A couple of years ago I received a fraudulent call from someone claiming to call from XXXX for a XXXX credit card asking me for personal information and I told them I would never open a card to a retailer, especially not XXXX, and I told her that they were not to call me again because they were committing fraud. 

Since I started having a series of XXXX XXXX including XXXX, XXXX XXXX XXXX, XXXX and XXXX and XXXX  XXXX XXXX, the last thing I expected to deal with was identity fraud. 

I have sent the collection agency a letter using your template and I am going to send it, again, this time through certified and registered mail just to make sure it is handled appropriately and not ignored. I need help defending myself against this fraudulent debt. I want them to cancel this and stop collection and I want to prevent any more identity theft moving forward. I also want this removed from my credit and to prevent it from causing any more damage to my family and to myself.
Product: Debt collection

I contacted this collection agency and informed them that this debt is not mine and asked them to validate it but they could not prove me with proof that this debt belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX have an address on my report that doesn't belong to me. They refuse to investigate/ and remove the address. XXXX XXXX XXXX XXXX, XXXX TN XXXX. If the agency check with that apartment complex, they will realize an apartment was never in my name. The agency is violating my civil rights. By refusing to provide me my credit report. 

Also I paid off the old utility bill I had with XXXX XXXX XXXX XXXX XXXX, address XXXX XXXX XXXX  XXXX TN XXXX. I have a new account with XXXX XXXX XXXX XXXX XXXX I sent them a copy of my new utility bill. I sent my updated driver 's license, the lease with XXXX XXXX XXXX TN XXXX. I've contacted all three agencies. I'm refused my credit report. I'm deprived of credit as a result. 

I learned in 2018 that someone have created XXXX different Federal Identification numbers on me. Someone is using my personal information as though I have a business.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Av, XXXX, Ca XXXX ; XXXX XXXX XXXX XXXX XXXX, Ca XXXX ; XXXX XXXX XXXX : {$170.00} ; XXXX  XXXX XXXX : {$55.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$190.00} ; XXXX XXXX Con XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$120.00} ; XXXX XXXX  XXXX Balance : {$120.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Sentry Credit INC is in violations of the following federal laws 15 USC 1692d - Harassment or Abuse, 15 USC 1692e ( 2 ) ( A ) - False and Misleading Representatons,18 USC 1028 - Fraud and related activity in connection with identification documents ( Social Security ). Pursuant to 15 USC 1692j, ANY forms, statements or any documents sent by your office are considered DECEPTIVE forms because they are being used to create the FALSE belief that I, the consumer to whom these alleged debt claims relate, owe you any alleged debts.
Product: Credit card or prepaid card

On XX/XX/2018 I closed the credit card ending in XXXX, at this time I payed all the outstanding balance on the card. Unfortunately this company had the wrong amount ; they stated that owed more than I originally charge in the card. When I complained about this issue ( The wrong amount ) Barclays stated that they were correct and I had to pay the full amount. They keep charging my bank account and they are stating that I owe them money with any proof of it. 
When I close the account back in XX/XX/XXXX my balance was XXXX. But they still keep charging my bank account without my authorization, they stated that I owe {$370.00}, but I am not responsible for that amount. I called them many times and they ignored my petition of showing me a sales draft with my signature, but they declined. They dont have proof that I owe them that much. Also they are charging my account fraudulently. Please help me to stop this fraud.
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 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: Debt collection

I do not know where these XXXX accounts came from but they have a recording call my husband and myself about 4 times a day each. There are XXXX accounts apparently with this company. XXXX was for {$73.00} in XXXX XXXX, 2011 and XXXX is for {$120.00} showing the date as XXXX XXXX, 2011. They call everyday of the week including Sundays.
Product: Credit reporting or other personal consumer reports

Transunion is reporting a inquiry from XXXX XXXX that was done onXX/XX/2024 that l didnt do nor know who did it,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Is reporting account number : XXXX as opened on two different days. The date open reporting to Experian is XX/XX/2013 and the date opened reporting to XXXX is XX/XX/2013. This account is inaccurate in its reporting and is in violation of the FCRA. I contacted the company in an attempt to fix the issue but they continue to reply with statements and settlement offers. The statements are not enough to validate the account. They have failed to meet my demands to provide me proof of the original day the account was opened and have neglected my attempts to correct the problem.
Product: Debt collection

Disputed with the company on XX/XX/XXXX. company received my disputes on XX/XX/XXXX as it shows according to certified mail. It is now XX/XX/XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not got a response.
Product: Debt collection

I am writing to file a complaint against LVNV Funding for violating the Fair Debt Collection Practices Act ( FDCPA ). 15 U.S.C. 1692 et seq. LVNV Funding has been contacting me repeatedly about a debt that I do not believe is valid. They have called me at work, at home, and on my cell phone. They have also sent me threatening letters.

I believe that LVNV Funding is violating the FDCPA by engaging in the following practices : Calling me at inconvenient times, specifically at work. 15 U.S.C. 1692d ( 5 ).

Sending me threatening letters. 15 U.S.C. 1692e ( 10 ).

Trying to collect a debt that I do not believe is valid. 15 U.S.C. 1692g ( a ) ( 1 ).

I am requesting that the CFPB investigate LVNV Funding for violating the FDCPA.

Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear XXXX & XXXX XXXX XXXX I verified and authenticated myself months ago and I have to documents that was mailed to me to provide proof of that. I verified myself and my phone number over the phone and online. It wasn't until I requested another consumer report and I accidentally entered my wrong DRIVER LICENSE NUMBER ( XXXX XXXX XXXX ) Issued In Pennsylvania This has effected my case with CFPB and XXXX XXXX XXXX because I don't no longer hold access to the phone # ( XXXX ) XXXX. My phone # has been XXXX for years now. 
I was approved for Auto Loan and I received check from XXXX XXXX XXXX XXXX and sent to the private seller XXXX XXXX. XXXX XXXX the check with XXXX XXXX XXXX Bank for {$25000.00} and they put the funds on hold and closed her account. They claim not being able to verify my Phone number XXXX. I called XXXX and they told me there wasnt no number on file, my previous number was XXXX but its not in service anymore. I recently checked XXXX XXXX and they told me my phone number is under my name according to they data. XXXX claimed to be able to Verify with XXXX XXXX  but not my number which is COMPLETELY FRUSTRATING BECAUSE I AM CARLESS and now I Have to pay off a AUTO LOAN EVERY MONTH WHEN I DONT EVEN HAVE THE VHEICLE becaus XXXX XXXX Never receive the funds. I EVEN CALLED XXXX XXXX XXXX XXXX and they told me the check had been cashed with XXXX  and it had been verified but its XXXX end who is not releasing & holding the funds
Product: Checking or savings account

On XX/XX/year> I received a call from citi bank fraud department stating there has been some activity on my account they needed to make sure it was me which it was not me after the call I checked my account and all my savings was removed {$1700.00} I immediately notified the bank that day of the unauthorized wire transfer so they can stop it I filed police report and fraud report with ftc the bank denied my claim the internal case number is XXXX IVE been a customer for over XXXX and never experienced this happening the bank denied my claim please help
Product: Vehicle loan or lease

I provided BMW a application and contract Im which they turned into securities they used those to fund the car transaction in which I was given a XXXX XXXX with a lien on the title which I do not own totally. They also are stating They did not receive full consideration fir the car from the application and contract securities. 
They are stating I owe them for a loan I never received. I asked then to provide proof that I received a loan they are not responding. 
They unlawfully and illegally took a power of attorney form to another county and had a notary which was not present at the time of signing notarize the document and act on my behalf when I sent them a affidavit of notice stating the power of attorney is fraud and unlawful/ illegal to use. 

BMW took my application and contract opened a hidden / secret account im my name.without my consent and received credit in my name. They did not issue me any credit at all. The car they allowed me use has a liend title which allows them to pressure me into paying a debt I do not owe and I am being damaged everyday by this burden.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act, ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges the company engaged in sham investigations, violating consumer p
rotection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate incomplete, or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Equifax : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 

Name Account Number Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Delete all information that can not validated or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance legal standards. A copy of my identification is attached to this letter. 
If Equifax fails to comply with its obligations under the FCRA, this dispute will be sent to the CFPB and pursue any necessary legal actions to protect my rights. 
Please respond to this dispute in writing within 30 days or sooner. I expect written confirmation of any changes to my credit file immediately. 

Sincerely, XXXX XXXX
Product: Student loan

I received an email on XXXX advising me that my loans are on forbearance due to a post covid natural disaster which I am not even sure how. I logged into my account and hidden within the inbox is more info, that announced that interest will continue to accumulate. I understand this is how a requested forbearance goes, but to send an email to all borrowers that makes it seems that loans are again paused, without better announcing that interest will continue, seems extremely irresponsible and predatory.
Product: Credit card or prepaid card

Received a credit card letter from XXXX Ohio Comenity bank requesting information on credit card. I called and informed them I hav enot opened anything up. XXXX XXXX XXXX. I live in XXXX, Montana. The customer support did nothing. I recalled was informed they did not have me in their system. When I asked why I received a letter with credit card information on it, they denied it. I am worried some one opened up a credit card and I am going to be in trouble for it. The customer service person said they could not find me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error I Recently checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The DEPT OF EDXXXXXXXX XXXX failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the DEPT OF ED/XXXXXXXX XXXX on a statement. 

As i know the creditor did not notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

The account was paid as agreed and closed. There were not late payments, nor was I notified of payments being late 21 days prior to the account being placed in collection. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, I have already involved and sent this letter to the Complaint portal for ( State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( TRUIST BANK and XXXX XXXX and XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( TRUIST BANK and XXXX XXXX and XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( TRUIST BANK and XXXX XXXX and XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( TRUIST BANK and XXXX XXXX and XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

Credit Systems Inc petitioned and was granted a Default Writ of Garnishment in XXXX 2016 without proper service. The process server appeared at my residence on a Sunday afternoon and I was not home at the time. I do not know who answered the door because there were guests at the home watching football. No documents were left so I had no knowledge of the upcoming court date. Additionally, I notified the collection agency, in writing, that the debt was being disputed. Ultimately, with the assistance of the Department of Regulatory Agencies, the insurance company reversed the denial of the claim and it was paid in full. A check was issued on XXXX XXXX, 2016. To date, Credit Systems Inc has not refunded the money garnished from my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I received an opened letter from Transworld Systems Inc due to it being misdelivered to another adress and immediately sent them ( Transworld Systems Inc ) a debt validation letter. Transworld Systems Inc received my letter of debt validation as evidenced by attached Certified Mail Receipt. To date, I have not received validation of debt from Transworld Systems Inc via mail nor by phone and the negative entry remains on my credit files ( XXXX, XXXX and XXXX ). Due to Transworld Systems Inc 's failure to validate debt and failure to respond in an appropriate amount of time, I am requesting immediate removal of their negative entry from my credit files immediately due to Fair Debt Collection Practices Act violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 addresses reporting to my credit. Please update my address to only one address. That address is in the attachment of this complaint. This is my current photo ID with my license. There is also a copy of a utility bill serving as a second proof of residence.