23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLLECTION SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing a Collection from XXXX XXXX XXXX on my XXXX and EXPERIAN and XXXX account, which was sold to XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, I was not informed prior to this collection that this account would be sold to a debt collector. So I am asking for DEBT VALIDATION according to 15usc 169g a detailed list of my history of payments made by me on this account, I want to see the signature that I put on a contract guaranteeing that I pay this creditor, im asking to see has there been any insurance claim filed on this account, I want proof that you have a chain of title
Product: Checking or savings account

This bank has been robbing me blind for the past month and a half. Most recently they have helped themselves to over {$300.00} of money they are not entitled to in overdraft fees ( read illegal profiteering ) when they have been submitting transactions in the wrong order in order to steal more from me! I called and demanded at least 50 % in reimbursement only to get told XXXX you customer I have your money, I lined my pockets go away so I can steal more from you. 

This was the one and only olive branch that I was willing to submit to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment to DEBTSY a debt collector working on the behalf of XXXX XXXX XXXX on XX/XX/2021 for the amount of XXXX to settle my balance, I've received notification from XXXX that they verified the information as being accurate on my credit report as that the amount was not updated and they refuse to acknowledge the settlement as if I paid and it went nowhere.
Product: Money transfer, virtual currency, or money service

Ive had Venmo for years, on XX/XX/XXXX I tried to cash my boyfriend tax refund check on my Venmo account because I had heard that they let you cash checks and he doesnt have a bank account of his own to use. It didnt let me cash his check which was fine. So he made a Venmo account of his own and cashed it on his account. Then he sent me XXXX to buy our kids some things and I used my Venmo card almost 2 days then Saturday XX/XX/XXXX afternoon they emailed me saying they froze my account but didnt say why. I asked them why multiple times, they asked for a picture of my ID so I sent that to them, even though they already have my social security number and everything else. They still did not unfreeze my account. This morning they emailed me saying my account is being permanently deleted and that they are keeping my money for loss prevention. This is my money. This is not okay. I have no idea what to do or what I can do
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX & they told me I've never missed a payment, yet Experian, XXXX and XXXX credit Bureaus refuses to update me from being listed as late starting on XX/XX/2022 to XX/XX/2022 on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX Balance : {$8200.00}
Product: Bank account or service

My encounter with citizens bank has been horrible. Terrible customer service representatives horrible and very unfriendly people. My account was hacked and I incurred charges that were not mine. I 've yet to be completely compensated for all the of this. I call and call. And get hung up on again and again. I just wanted my account close!
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX  keeps showing up on my credit report. This is not my account I have never heard of them before. It says collection for sprint. Ive never had sprint either. I would like this removed.
Product: Debt collection

XXXX XXXX continued attempting to charge my account after the policy was cancelled. Then the balance was turned over to Credit Collection service XXXX File XXXX. I contact XXXX XXXX and received confirmation of the error. I also contacted the collection co by emailFrom : XXXXXXXXXXXX : XXXXXXXXXXXX : RE : XXXX XXXX Recurring Charge DeclinedDate : Tue, XXXX XXXX 2015 XXXXYou are correct, I apologize for the error and have sent this to processing to hopefully stop the emails from coming in! 

Best regards, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) 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. 

They must be XXXX because everything is inconsistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Re : XXXX XXXX Dear Consumer Financial Protection Bureau, I am appealing to your authority to have XXXX, XXXX and SageStream , LLC to release their addresses, telephone numbers, and fax numbers to me for the purpose of placing security freezes on all data collected by them, concerning me. 

When attempting to process this matter on my own accord by requesting security freezes, XXXX tells me that they are connected to XXXX, which is not altogether true. When contacting XXXX, they state that they are connected to XXXX, which is also not altogether true. 

In particular, I am referring to the inability to receive confirmation letters and/or numbers from both XXXX and XXXX on their respective letterheads stating or showing that my security freeze has been placed. 

XXXX and XXXX both hold personal information on consumers. My rights under FCRA allow me to place security freezes on my credit file upon request. 

XXXX is claiming that they are a part of XXXX for security freezes only, and they refuse to give a confirmation letter to confirm the security freeze took place, or was requested. 

Likewise XXXX claims that they are a part of XXXX for freezing accounts, baring no witness by refusing to provide verification that the XXXX part of the credit report is frozen. 

These are separate entities, holding separate credit reports and allow for separate security freezes. [ XXXX, XXXX, XXXX, XXXX ] Please assist me as soon as possible in obtaining the necessary contact information in order to place security freezes with XXXX and XXXX, therewith, compelling them to follow those well known directives from FCRA. 

Respectfully submitted, XXXX XXXX
Product: Debt collection

Sent certified letter ( have receipt ) seeking validation of debt : a contract bearing my signature proof that I have a contract with them ... they offered other than signature proof? I sent a second letter stating I only accept proof by contract with bearing my signature. Their response was '' As we have previously fulfilled our duty to provide you with verification, we will not respond to any such requests in the future. '' I decided to investigate and see if this company is surety bonded to be a third party collector ... .I can not find their name listed in the Secretary of State listing file, nor can I find the information by searching the Secretary of State database for the company name and address as listed in my credit report. It was search of my credit report I discovered this bill while doing a complete house cleaning of my credit. I have copies of the original request for validation and it states clearly I seek only a contract bearing my signature with them to collect any monies from me ... and that is what they are not providing. I have concerns since my bank once sent me a notice of possible identity theft attempt on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U. S. C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

When attempting to get my credit report from all three reporting agencies using https : //www.annualcreditreport.com, I was given an error message that Experian was not able to process/handle the request online and that I would have to manually fill a form and send via mail in order to receive my report.
Product: Checking or savings account

Received unauthorized deposit from XXXX, which was deposited into closed checking account then rerouted to savings. Savings account has hold on account which prevents withdraw to return funds to sender. Contacted financial institution multiple times to report unauthorized EFT and was told that they refused to take report of unauthorized EFT and to contact sender, which we already have done.
Product: Debt collection

I do n't even recall applying for a loan or receiving a loan from these people and they 've been emailing me and calling me and my family members harassing us for money. Even going so far as to say I will be arrested if it 's not paid right now over the phone. Emailing me said they will take me to the courthouse to get money from me and make me pay legal fees and every email is for a different amount. Not one of them is for the same loan amount. They try to scare me by emailing me and including my social security number like they know it so I had to have taken a loan out. And the best part is payday loans are illegal in the state I live in! So this makes no sense and I 'm tired of the threats and harassment! They also claim that the US government is placing my social security number on hold.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/year> Request for Debt Validation Account Number : XXXX Dear To Whom It May Concern I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account.

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX XXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax is reporting CO in the current month of several closed accounts which is totally incorrect because these accounts are closed years ago. 
XXXX XXXX XXXX XXXX XXXX -- This account is closed 5 years ago but Equifax is reporting CO in the current month. They were reporting CO int he month of XXXX and in now they are reporting CO in the month of XXXX 2016. 
XXXX XXXX XXXX -- This is a closed and paid account but only Equifax is reporting it as open account and also reporting it with balance. Equifax is also keep on reporting CO every month on this closed account. 
XXXX XXXX XXXX XXXX -- This account is closed 5 years ago but Equifax is reporting CO in the current month. They were reporting CO int he month of XXXX and in now they are reporting CO in the month of XXXX 2016. 
XXXX XXXX XXXX XXXX XXXX -- This account is closed 5 years ago but Equifax is reporting CO in the current month. 

I have disputed this with Equifax and sent them many letters but they keep on ignoring these issue and continue to report these CO every month on the closed account and it is decreasing my credit scores terribly. 
I am attaching the screenshots of these
Product: Debt collection

I am also a debt collector, recently I called Remit Corporation which is located in XXXX, PA. My husband has a supposed bill there from 2007 that has a judgement placed on it by XXXX County XXXX A woman named XXXX who works for Remit has been harrassing us about this bill. While on the phonr with her, I informed her that anything over 7 years old can not be on Credit Report unless recent payments are being made on it. She told me that obviously I have not been doing my job very long because I have no idea what I am talking about. In no way, shape, or form are you allowed to speak to a debtor or a debtors spouse in that manner. Remit has no idea what the bill is for. XXXX just keeps explaining to us that we owe over {$600.00} or there will be a Sheriff Sale on our items in our home.This is totally not right and definitely against FDCPA laws!
Product: Credit reporting

I HAVE ITEMS THAT DONT BELONG TO ME THEY AREE A PRODUCT FROM I DENTITY THEFT I CALLED THE CREDIT BUREAUS THE AGENT BARELY SPOKE ENGLISH I GOT NO RESOLVE AND NO UNDERSTANDING OF WHAT TO DO. THEY TOLD ME I HAD TO CONTACT ALL THE CREDITORS MYSELF FOR THEM REPORTING THE WRONG INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.
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 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 Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company name : DEPT OF EDUCATION/XXXX - Account # : XXXX - {$1100.00} Company name : DEPT OF EDUCATIONXXXX  - Account # : XXXX - {$2300.00} Company name : DEPT OF EDUCATIONXXXX - Account # : XXXX - {$7200.00} Company name : DEPT OF EDUCATION/XXXX  - Account # : XXXX - {$3600.00} Company name : DEPT OF EDUCATION/XXXX - Account # : XXXX - {$4200.00} Company name : DEPT OF EDUCATION/XXXX XXXX  Account # : XXXX - {$5800.00} Company name : DEPT OF EDUCATIONXXXX - Account # : XXXX - {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX sued me for an outstanding credit card balance of {$2500.00}. XXXX that had went to collection. Through my attorney and XXXX 's attorney a settlement was made for me to settle the account by making monthly payments of {$96.00} until the settled amount of {$1300.00} was paid. I paid {$50.00} every 2 weeks until I made my final payment in XXXX of XXXX. I reviewed my XXXX of XXXX and noticed that the account had not been updated to reflect the current status. In fact the agreed upon settled amount was showing as the balance owed. The error is causing my credit utilization to be miscalculated. I disputed the account with the credit reporting agencies on XX/XX/XXXX. The dispute came back verified. I attempted another dispute in XX/XX/XXXX and again the dispute came back verified. Since this account was involved a legal case I believe that if Transunion and XXXX had done their due diligence in investigating my disputes. They should have received proper status from XXXX bank. As of today XX/XX/XXXX The account status remains incorrect.