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

I have been a victim of identity theft and I have exercised due diligence to repair my credit but false and fraudulently information hasnt been removed after multiple unjustifiable unauthorized accounts from multiple improper investigations violating FRCA Dear Credit Bureau, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.

Intimate knowledge of the creation of the debt by you, the collection agency.

As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 
I look forward to a speedy resolution of this matter. 

I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681i
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Equifax XXXX XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from  appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Account # XXXX I am writing in response to your recent attempt to collect a debt allegedly owed by me. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I formally request validation of the debt you claim I owe. Specifically, I require the following information : 1. The name of the original creditor, along with a detailed breakdown of the debt amount, including principal, interest, and fees.

2. A copy of the original agreement or contract that proves I am legally obligated to pay this debt.

3. Proof that your company has the legal authority to collect this debt, including documentation of the chain of assignment from the original creditor to your company.

4. A copy of any judgment, if applicable, that legally enforces this debt. 

PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT AND PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR Until proper validation is provided, I do not acknowledge this debt, and I request that all collection efforts, including reporting to credit bureaus, cease immediately. Failure to provide sufficient proof may constitute a violation of the FDCPA and other consumer protection laws.

Additionally, per my rights under the Fair Credit Reporting Act ( FCRA ), if you have reported this debt to any credit reporting agencies, I request that you inform them that the debt is disputed. 

Please provide the requested documentation within 30 days of receiving this letter. If you fail to validate the debt, I will consider this matter closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I tried to contact you about this late payments on my payment history, I am sure that I pay on time always with my bills ... though I think there are times that I have not because the bill did not get to me on time or I simply did not received it. Please help me resolve this. 
DPT ED/XXXX
Product: Debt collection

XX/XX/2019 XXXX  XXXX completed Paid copay amounts of over $ 2500-including a cash payment of {$1200.00} in order to get the operation. 
Insurance claims were submitted and paid. A year and a half later the hospital sends another bill. Insurance-both in several calls made and in the insurance claim that we are not obligated to pay that bill as the hospital is in network. The hospital can't explain why we owe it despite the insurance claims-and forwards it to collections. We send proof to outsource receivables that our responsibility is {$0.00} of the {$720.00} bill and they refuse to delete this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several discrepancies with my personal information. The following does not apply to me : I am not associated with The name XXXX XXXX. and my social security number seems to be incorrect as well. On XX/XX/2019 i contacted Equifax and spoke to a representative to have name and ssn updated. I was told to send a fax with such request. i sent the request to fax number given ( XXXX ), i also sent correspondence via mail to equifax that included my ID and social security card. i received a letter on XX/XX/19 stating my ssn is currently reporting correctly on my equifax credit file. this letter was sent to XXXX XXXX. Name and ssn was not actually updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX XXXX {$110.00}, XXXX XXXX XXXX XXXX {$6200.00}, XXXX  XXXX  XXXX XXXX {$8500.00}, XXXX XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$0.00}. Each of these accounts are on my credit report. I have not applied for any of these accounts listed on this statement. I have spoke with an creditor for each of these accounts. Nothing has been done, I also have another unauthorized account on my report, the creditor name is unknown XXXX XXXX {$5900.00}. I have never used any of these accounts.I have never applied for these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated Credit Report, incorrect information are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the unauthorized inquiries have been removed.
Product: Debt collection

My husband and I have XXXX insurance ( XXXX XXXX XXXX, and XXXX ) I went to the hospital XXXX for a XXXX insurance was billed. I paid my {$100.00} deductible at the hospital, never heard anymore about this bill until recently ( XX/XX/XXXX ) when I had a credit report change alert ( someone applied for a XXXX ) while I was reviewing my credit report I noticed a {$510.00} medical bill. I inquired about it and was told " It was sold to us in XX/XX/XXXX and we will report it every month on your credit report until it is paid. '' I was not aware of this bill. I am very upset about this, this Pro Collect XXXX
Product: Credit reporting or other personal consumer reports

I believe the account is invalid. CASCADE FINANCIAL SERVICE ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CASCADE FINANCIAL SERV XXXX
Product: Checking or savings account

On XX/XX/year> I went online to SOFI BANK to try and open a high yield savings account. My application was denied and then I received a notification stating that my Social Security number was already being used by another member. I began a chat with their customer service agents to try and resolve this and even verified my Social security number with them via photos. The agent confirmed it was the correct ssn and that I should call the security team and have them open an investigation. I called no later then 2 mi utes after ending that chat and was told that they could not provide any information regarding someone else 's account that was clearly using my information. I was given a reference number and told that they can not give me a time frame of when I would hear a result or from anyone from the security team.
Product: Credit reporting or other personal consumer reports

Trans Union has not yet closed a dispute. The estimated completion date was XX/XX/year> and still going on is ridiculous under the fear, credit reporting act, my rights are being violated file number XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my XXXX and XXXX credit reports that should have been removed on XX/XX/2023. I have tried to contact these business 's to have them removed but the phone number that was provided is incorrect and I could not reach anyone. Screenshots of the inquiries will be attached, thanks.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NET CREDIT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

I have repeatedly explained to them it is not my debt I have filed numerous complaints on the site and they harass me with mail. The debt is not mine and was done in 2009 10 years the statue of limitations is up on this debt. I want it to stop it has been taken off my credit report as well as closed.
Product: Checking or savings account

I was a Simple Customer who was involved in the conversion from Simple to XXXX. If you don't remember simple, their main selling point - no fees. Literally across every document that I signed, every commercial and every notice. Fast forward to the conversion, and I called and was told that my service would remain the same, the interest fee would change and they had overdraft fees. I didn't have the choice to opt-out because I couldn't access my Simple account to bring my account to zero, and they were unwilling to cut a check. XXXX started saying they'd honor the terms of my original agreement, but that changed ... not during the transition. Not even 90 days after the transition, but on XX/XX/2021. The month before, I'd received my first notice of the transition to PNC with a note that " fee waivers '' will expire. Crazy because the account I signed up for didn't have fees. And at this point, I hadn't agreed to any of PNC 's terms. The transition wouldn't complete for another two months. 

Next thing I know, I'm charged over {$700.00} for transactions ( all of which were paid in full using my XXXX XXXX card ) as the transition to PNC loomed. I noticed this change in XXXX and attempted to get in touch with their team. I wasn't successful until XX/XX/XXXX, at which time, the transition to PNC was a few weeks away and I was told by their staff that this is an error, that it should be corrected, but that the staff member could only make adjustment to 4 of the over 20 ill-gotten funds. They referred me to another department that agreed, apologized and then said I'd have to go to a physical location ( over 40 minutes away ). I called for 4 days to set an appointment, but their excuse was that they were training for the conversion. I went to the branch and then they made me set up an appointment to come back again. Their manager called me, agreed that everything wasn't right and sent me to their escalations team. She mentioned they'd call in 2-3 days. Over 14 days later I get a single email from their team, ignoring all of my previous correspondence, implying that I'm being sensitive and emotional on the matter, and they proceeded to say that they couldn't help because of the transition. Aka, " we know you're right about this, but ooops, time has run out ''. Absolutely not.
Product: Debt collection

I was a current customer at XXXX  and they sent an amount due to collections without notifying me of the debt while i was still a paid customer. As a result of the mistake I went to another phone company. They could not fix the mistake they made.
Product: Credit reporting or other personal consumer reports

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XXXX because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX XXXX XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, XXXX XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately XXXX XXXX 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 I looked at my XXXX credit report on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS
Product: Checking or savings account

In XX/XX/2023, I purchased online a {$150000.00} 6 month CD from Chase. The advertised APR was 5.0 % At the end of the 6 months, I was paid {$37.00}. This is an effective APR of 0.05 %. Clearly this is a system error at Chase- a decimal point got moved two places and I was paid XXXX of what I should have received. The Chase website does not show any CDs with such a low rate of interest. No customer would purchase a CD paying 0.05 % APR. I should have been paid {$3700.00}. 

I have complained to Chase and they refuse to acknowledge the error. 

I have attached screen shot of my current CD. Note interest paid in XXXX  of {$37.00}
Product: Mortgage

The owner did not disclose all issues mold in basement effervescence and water in basement foundation issues and plumbing. The electrical panel box was not grounded. Mold in master bedroom closet and shower. The appraisal over look mold and took pics trying avoid the issues. The ceiling was painted over in all rooms signs of roof and attic issues after it rain real hard after moving in. Hvac system on second level do not work for air or heat. I asked my realtor to walk away he told I would get sued. I tried to go to court they told them to file so i would have to do case over. I closed on XX/XX/year>. Etc I have estimate from top to bottom appraisal was a lie and XXXX should denied loan for mold etc the realtors knew too covered up so much and I should get help with roof, electrical, basement no permits for work done by husband either. No inspection and appraisal did not disclose issues etc want he'll please sick