23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Attached is the collection Agency that is trying to collect on a fraudulent student loan that was signed by XXXX college in XXXX XXXX consolers ' have tried for the last 12 years to have this matter corrected. XXXX  College went out of business because of these same fraudulent action. I have filed complaint with the federal government as well as State I even spoke to California Attorney general office who contacted me when Senator XXXX XXXX was investigating the matter. I was told that XXXX  college had broke the law and I was n't responsible for this fraudulent act. Now this collection agency keep trying to collect on this matter. Attach is the most reason complaint that was filed against XXXX XXXX  about XXXX XXXX XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/2022.
Product: Prepaid card

Today on XXXX, I activated my new card. I am trying to reach a live representative from Way2Go card program to speak with about my balance. The only customer service number this company provides does not give an option to speak with live representative. The options that are listed when you call the customer service number do not apply to me. It does not offer any way to speak with live representative. I need to speak with one of their live representatives in order to figure out the issues with my account.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. Account was paid XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. The following personal information is incorrect Account Number : Former : XXXX XXXX 4. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Debt collection

Received a letter from Medical and Professional Collection Services , Inc . 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Indiana XXXX - XXXX XXXX XXXX XXXX XXXX When I called to ask questions about what this bill was in regards to they had no invoice # and could not tell me what equipment it was for. 
The letter stated RE : XXXX XXXX XXXX XXXX XXXX I asked for the company 's information so that I could contact them directly. I was told to XXXX their information. 
I have not done business with XXXX XXXX 's
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX have sent multiple dispute letters via certified mail regarding a bankruptcy reporting inaccurately on my consumer report. The bankruptcy is not reporting on XXXX, but is reporting on XXXX and Experian. Though I have presented proof, neither will remove from my consumer report.
Product: Consumer Loan

The Auto dealer at XXXX XXXX XXXX in Vermont asked me to finance with the bank rather than pay them directly on XXXX XXXX. I agreed intending to send a check immediately to pay off the balance. The financed amount included an additional warranty for {$930.00} that I cancelled the next morning. I was told the amount of the loan would not include that {$930.00}. However for 47 days I could not get any account number or information from GM financial or from the dealer. I did not receive a bill, could not sign up on the account website, and could not get the details I needed to pay off the loan. The dealer said GM financial could not open the loan account until we had VT drivers ' licences. That took us until XXXX XXXX before I had access to the GM loan details. By that time {$730.00} in additional finance charges had accrued, the {$930.00} had not be deducted and hours have been wasted on the phone to both GM financial and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received a loan before by any agency, ever in my life. I have never had a credit card and every attempt that I have made to get my financial reports has been denied or seemingly altered. I have tried using XXXX XXXX XXXX, and XXXX, so far with no success. I do not know of the extent of the compromisation of all of my financial involvements and I do not know who is involved or who could have possibly been involved. Today is the first time that I have tried to get any type of information about any compromises with any of my financial involvements.
Product: Checking or savings account

On XX/XX/XXXX a charge from XXXXXXXX XXXX in the amount of XXXX was charged to my Wells Fargo XXXX XXXX. I filed a claim and the provisional credit of XXXX was applied. 

3 months later the provisional credit was reversed and Wells Fargo is saying the charge was not fraudulent. After multiple phone calls and visits to the local branch located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX the bank did not or would not reverse the charge. 

I also contacted XXXX and they stated : XXXX XXXX, Thank you for your patience. 
I understand that you're concerned about unidentified charges for a XXXX XXXX account. 
Since you confirmed that you did not initiate the charges, we have classified them in our system as unauthorized. We recommend that you cancel the credit card or bank account that was used, and instruct your bank to dispute the payments. Your bank should then be able to recover the funds and credit them to your account. 
We apologize for the inconvenience you have experienced and appreciate your patience. 
If you need further clarification, please respond to this email and I should get back to you to walk you through your doubts. 
We truly value and appreciate your understanding.Sincerely, XXXX Wells Fargo person, who was very rude, stated we needed to go back to XXXX and Wells Fargo could not or would not do anything about the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account ( s ) has appeared on my personal credit file
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : Date Company Address Request Originator XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I been sent this company all my paperwork Thur the CFPB PORTAL AND THEY SENT ME THIS PLEASE SEE ATTACHED FILES I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. You are required to do what I am asking and block these transactions listed in my FTC report and letter attached. The identification of these transactions are stated in my FTC report and in my letter attached. You are required to block these transactions on my consumer report within 4 days of the receipt of this notice.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The Following Hard Inquiries Are Fraudulent And Need To Be Blocked And Deleted From My Consumer File Immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEE ATTACHED FILES THANK YOU
Product: Debt collection

Fidelity Information at XXXX XXXX XXXX XXXX, XXXX CA XXXX continues to report negative information to XXXX that I owe money to XXXX XXXX XXXX a property management company where I use to live. When I resided at this property I paid my lease up for a year in advance and when I moved out had no issues. I just recently went to apply for an apartment and was told I was denied because I had an eviction from this property. I keeping all my documents for seven years or more went back to old documents like my receipts for payment of rent and all of my move in documents disputed this debt. I also went to county records to see XXXX XXXX did in fact file a eviction process because I lived out my lease and had no idea that an eviction was filed. I found that an eviction process happened but was later volunteer dismissed by XXXX XXXX. I printed out this information and disputed the fact that I was never notified that a eviction had taken place one and two that I owed this property management company any money. And why would I I lived out my lease and paid my rent for the year in advance. This company Fidelity Information continues to calm that I owe XXXX XXXX XXXX money but can not provide me any documents supporting there calm. I sent a certified letter disputing there calm and asking them to stop sending negative reports and calms to the credit bureaus to there company XXXX XXXX in XX/XX/XXXX and again in XX/XX/XXXX. And they keep saying that they never received the documents I sent but it shows by mail that it was delivered to this company. I have also asked for them to send me a copy of there documents with this so call calm. If I owed XXXX XXXX XXXX any money they did not notify me at any time after I moved out and then the eviction they filed which I still to this day do n't know why, would not have voluntarily dismissed the complaint for eviction. This company Fidelity Information have questionable practices and should be investigated. Also I looked up this debt ( if there was a debt ), and this is a Time Barred Debt and the statue in my state is 5 years.
Product: Debt collection

I received a call from XXXX with Midway Resolution LLC ( XXXX ) in XXXX indicating the failure to pay and they were proceeding with necessary court documents. I spoke with XXXX and stated I had no idea of what he was referring to and he claimed it was a debt with XXXX (? ). I explained that I dont know of this company and asked for a verification of the debt. he said he would provide and would send to my email address which they had on file. Never received the verification of debt and no follow up call. In XXXX, I received a call from Midway and I call back explaining my situation. I asked for a Verification of Debt and the person whom I spoke with refused to provide. He started stating that I am just using the verification of debt to file a identity complaint or why do I need the verification of debt if I am saying I dont owe it? Newsflash -- my name is on this account and I want to know what I am subjected to. I hung up after I asked 5 times within the course of the 10 minute conversation for the verification of debt and he wouldnt provide. They called back on XXXX and left a threathening message saying that I have failed to comply and they are taking legal actions against me. The address they have on file is an address where I Havent lived in 5 years and I explained that to them. They also indicated they have sent many letters to the address on file and that the letters were never returned and basically, I had my chance and I blew it. Basically -- they dont want to provide me the Verification of Debt, so until provided, I wont proceed with their wishes.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I reviewed an adverse action letter and requested a free credit report from XXXX as it said I had an account that went to collections. Since I knew this couldn't be the case, I opened my account with XXXX on XX/XX/XXXX, to review my free credit report since I received an adverse letter. I reviewed my report and saw that Barclays reported me as an Authorized User for an account that was closed in XXXX. I was added as an Authorized User by my significant other but at the time this report was made and the account being closed, we were long broken up. I called Barclays at XXXXXXXX XXXX  on XX/XX/XXXX as I requested to have this report removed from my credit report. The representative repeatedly asked me for the full account information when I advised her that I did not have the full account number and only the last XXXX of the account number, she then asked me for my ex 's social security number. By some luck, I was able to find it in old imessages. I provided her with the social security number and she stated that she couldn't find the account. I advised her that it was a closed account and she said she couldn't find the account. I requested to speak with a supervisor as the SSN I provided was correct and I couldn't understand how the SSN and the final 4 numbers of the account weren't enough. The female representative then placed me on hold three times, each time stating that she was going to transfer me to a representative. Each time, she said that because she couldn't find the account, she couldn't transfer me. After the final hold, I asked her for her name and financial institution number so that I could file a complaint with the CFB. She said that she didn't have a number and I advised her that since Barclays is a financial institution, it is highly unlikely that she does not have a number. She placed me on hold and upon her return she asked me for the account holder 's last name and last four SSN. I asked her for her number and she said she was going to try to find the account again. I told her that she just spent the last XXXX minutes telling me that the account couldn't be found and she wouldn't transfer me, so, please provide me with your number. After another back and forth, she suddenly found the account number and told me to send information to a XXXX XXXX to request I be removed. The call had gone on for XXXX minutes at this point. I requested, again, for her identifying number and she continued to be evasive. She placed me on hold XXXX more times and at the end said that was going to transfer me to her XXXX to file a complaint. I said, not needed, as I am filing a complaint with the federal government. She then went on to try and put me on hold again as she couldn't give me the number. I told her not to worry as I have enough call information and I'n sure it's recorded. She was not helpful, evasive and I am highly concerned regulatory wise.
Product: Debt collection

I was repeatedly contacted by Account Manager XXXX XXXX even after a open inquiry disputing several charges. I called to complain to their escalation department and the customer service representative said they are a " legal front team '' and implied that I had no right to complain about how disrespectful the Account Manager was to me. I insisted that I be connected to the escalation department where I can file a complaint. I requested a different Account Manager a XXXX XXXX. I was told I would hear back from them within 48 hours but not response after a week and she has sent another threatening letter giving me until XXXX XXXX to call her about the debt. Is this legal to be dealt with in such a matter? It is not my intention to evade the debt but with someone that is n't so rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to refinance my auto loan today XX/XX/20 but unfortunately I was unable to because when they ran my credit I was told that there were many accounts in negative standing appearing on my credit history. I had no idea what accounts they were referring to since I have always paid all of my credit cards and loans on time. I looked through my credit report myself and I saw accounts and inquiries from several different companies that do not belong to me. I'm not sure who these accounts belong to but I have never given anyone permission to open them in my name using my personal information. I am not affiliated to any of the companies listed on this report nor did I benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have already filed a police report regarding these suspicious accounts and inquiries.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : Child support {$2000.00} account number XXXX XXXX XXXX XXXX {$1000.00} account number XXXX XXXX XXXX {$3000.00} account number XXXX XXXXXXXX XXXX {$560.00} account number XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$560.00} account number XXXXXXXX XXXX XXXX XXXX my rewards {$400.00} account number XXXX Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( i Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC $ 1692g violations Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 168in ] 15USC {$1600.00} ( a ) ( 2 ) - ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
Best regards,
Product: Debt collection

I had Medicare XXXX plan. I went to XXXX XXXX XXXX XXXX on XX/XX/XXXX. My copay should have been around {$90.00}. The Hospital failed to correctly file the insurance claim with XXXX XXXX XXXX XXXX Medicare XXXX plan. I have been to Hospital and outpatient services for more than a year and was not notified. I woke up to a XXXX point plunge of my credit for an incorrect debt of more than {$1000.00} - by XXXX XXXX under the Wakefield and Associates collection agency. I immediately contacted Wakefield and credit agency to dispute. I emailed pictures of insurance cards 10 days ago. Medicare is automatically taken out of XXXX payments. The hospital 's failure to properly code the claim is their responsibility and beyond my control. Additionally, the debt reported increased within the same week. I'm insured. I've been insured under Medicare XXXX plans since XXXX. Now, my credit is damaged when I need it most. Wakefield has refused to remove from my credit. I'm damaged every day this is on my credit. Further, it's causing incredible mental distress as I'm already disabled due to severe mental illness. I provided proof of insurance at the time of service. I had no derogatory entries on my credit. Not one single late payment. I'm on a fixed SSDI income since XXXX. This is destroying my life.