23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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: Debt collection

XXXX XXXX, XXXX XXXX stole my identity. I had to file a police report - this is one of many items that I don't owe stolen by these two people. XXXX XXXX is wanted for breaking and entering other buildings, too. 

I previously filed a complaint with XXXX XXXX XXXXnd they failed to provide any identifying information. My email address is XXXX. 

There were three other companies that tried the same shenanigans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have see and do thing that Im fix my credit an Im knowning someone useing my information and I go to the web to sign up for the account. In months period Im paying on time payment the sore that I see the first time dropping so much that I seeing first so different I been call and writing email but it not changed anything with the payment that Im make ontime. Can someone please take a look at at my file to judge or see. Please email me back thank u
Product: Mortgage

Spoke with Carrington Mortgage customer service XX/XX/2021. I was informed my request for mortgage assistance was being processed for the Covid-19 Mortgage relief program. I asked had the sale date for my home been canceled, I was informed it had not been. I was told Carrington does not cancel foreclosure sale date even though they are processing my request for mortgage assistance. I have read if your mortgage company is processing your mortgage assistance request they are suppose to post pone the sale date until the mortgage assistance has been processed
Product: Debt collection

I have tried to remove these fictitious accounts place on my credit report by portfolio recovery services. They are attempting to match my social security with a name that is on the documents. There is no proof these documents are mine as the name they give is not mine therefore no court documents where ever received.
Product: Payday loan, title loan, or personal loan

I looked on my credit report and it shows that I have a collections account with speedy cash from a XXXX $ loan that I know for a fact I never received nor applied for. I have absolutely no knowledge of this account with them. I dont know any information as to where this amount was deposited into what banking account, I have no records nor do I have any mail or emails from speedycash with a loan agreement or any communications in the mail. I have not received any phone calls from this company about this loan either. It shows the loan was opened on XX/XX/2019. As I stated above I know absolutely nothing about this account with speedy cash. I have filed an identity theft report with my local police department.
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 how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX 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 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 card

I received a bill for an XXXX XXXX XXXX Mastercard, issued by Barclaycard. The bill was for a past due charge of {$89.00} which related to the card 's annual fee. I never signed up for this Mastercard, nor received the card, nor activated the card, nor used the card. 

I called Barclaycard to deactivate the card and have the annual fee charge removed. They deactivated the card but refused to remove the {$89.00} annual fee charge. Their explanation was that I used to have a XXXX XXXX XXXX US Airways Visa card and that as a result of the US Airways XXXX XXXX XXXX merger I was issued a new card through Barclaycard. The Barclaycard representative I spoke to informed me that if I did not pay the charge, it would go to collections and negatively impact my credit. 

The unsolicited issuance of a credit card and subsequent charge of an annual fee is an entirely fraudulent and underhanded business practice. This is theft. Barclaycard has signed me up for a service without my consent and is charging me a fee that I did not agree to. I did not request their Mastercard, I did not receive their Mastercard, I did not activate their Mastercard, and I did not use their Mastercard. Their actions appear to me to be entirely criminal. They are preying on unsuspecting consumers and I request your help with this matter.
Product: Mortgage

We submitted an assumption packet on XXXX XXXX, XXXX. The buyers called and verified all the documents required were recieved. Mr. Cooper confirmed this request. Then I called Mr. Cooper to verify they had all the documents. They also confirmed this. We waited for a response from them and periodically called to get updates from them with no success. After almost a month, XX/XX/2024, the buyer called and received word that Mr. Cooper closed the assumption case and stated they didn't have all the required documents. We verified on multiple instances over the month and they refused to notify us of any issues. They refuse to reach out to us for any information as well. They reopened the case shortly after on XX/XX/2024. I called back today XX/XX/2024 because they told me no updates would be provided until XXXX business days after the request was submitted. I found out they never sent the required documents for the process in the first place and never tried to correct the issue in the process. Now they are telling me the standard process takes XXXX months but, they are not staffed to handle the current workload in the assumptions department so expect XXXX  months. Something needs to be done about this because it is completely unrealistic to expect the sale of a home to take this long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account that does not belong to me since XX/XX/2019, and all the other credit reporting agencies removed the account except Euqifax. I even contacted the creditor who is reporting the account directly. Yet and still this account remain on my Equifax credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX Account XXXX. XXXX XXXX XXXX Experian / XXXX
Product: Debt collection

XXXX XXXX placed over {$700.00} into collections with Diversified Adjustment Service stating that I owed them money for wireless services. After speaking with the collection agency they indicated an address ( XXXX XXXX XXXX, CA ) that was used to establish services. I have NEVER lived at that address and it appears I have been a victim of identity theft. As a result the collection item has been placed on my credit for ALL three major credit bureaus. XXXX XXXX has refused to remove this item from my credit and has reported FALSE information. They have violated the FCRA/FDCA by sending this item into collections. 

Diversified Adjustment Service has continued to report this account on my credit and has violated the FCRA/FDCPA.
Product: Credit card or prepaid card

About XX/XX/XXXX I contacted Bank of America, after I had received a 0 % Consolidation Loan offer. I told customer service person that I did not want the loan if I could not get all of my credit cards consolidated. I also told them I did not want another credit card. I called twice and told them that I had not received an answer to the consolidation and if the could not do it cancel my request because I did not want another credit card debt. The service person said ok. 

On XXXX XXXX 2018 I called XXXX XXXX customer service and put in a complaint with XXXX ( XXXX ). She would not give me a ID # -said she could only give out first name. I told her that I had received a credit card from Bank of America without my permission, that I only wanted a consolidation loan if they could pay off all credit card dedt, Bank of America had force me into financial hardship/abuse, Do not want their credit card, and feel that the advertising I received from them was fault and deceeding.
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,, have 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, credit repair services, or other personal consumer reports

XX/XX/2020 I Notified XXXX  that XXXX XXXX  was reporting in my credit. This is a unknown company that I have not applied with or signed contracts with. I've also mailed a certified letter for request of validation to both XXXX  an XXXX XXXX. I was told that my report was updated as verified XX/XX/2020 with any validation being made. I also have 4 inquiries reporting that I have no knowledge of. 
Also my name appears wrong XXXX XXXX XXXX XXXX XXXX XXXX is not names i go by.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

the consumer, has documentary evidence that FLAGSHIP CREDIT ACCEPTANCE LLC has willfully and purposely violated my federally protected consumer rights and pursuant to 15 U.S.C. 1640 and 15 U.S.C. 1611, FLAGSHIP CREDIT ACCEPTANCE is both criminally and civilly liable to pay the consumer damages.

Fact, FLAGSHIP CREDIT ACCEPTANCE LLC failed to inform the consumer that the insurance premium was to be included in the financing charge and would not let the consumer leave the car lot with the consumer goods without purchasing a separate insurance. ( twice the financing charges in damages for each ) Fact, FLAGSHIP CREDIT ACCEPTANCE LLC failed to inform the consumer that the financing charges are to be the sum of all charges leading the consumer to believe that thy are obligated to pay an alleged debt. Furnishing Deceptive Form 15 U.S.C. 1692j recieved letters stating the Consumer owes a debt. Two violations of 15 U.S.C. 1692b ( 2 ) T
wo violations of 15 U.S.C. 1692b ( 5 ). Using language or symbol in the contents of communication Two violations of 15 U.S.C. 1692f ( 8 ). Using any language or symbol other than debt collectors address
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

This is another complaint against Midland as I received NO validation in XXXX as stated in the first complaint Subject : Your submission, [ Case number : XXXX ] I would like validation initial signed contract, list of charges, payments made etc on this debt which I have not received.
Product: Checking or savings account

In answer to my previous complaint ( Complaint Number XXXX ), Chase has not followed through in resolving the remaining amount of {$2100.00}, taken from my account. Chase answered my complaint by " approving my claim '' for {$6.00} and stating that they would file a " Late Return '' to attempt to recover the funds from the merchant ( XXXX ). 
I have received and returned two forms from Chase Risk Operations that appeared to be validation that I did not have any part in this fraudulent activity and it stated that I would be notified of the results of their research in this matter. These forms were returned to them on XX/XX/XXXX and XX/XX/XXXX of 2020. After not hearing anything after returning those forms, I contacted Chase and no one in either their Deposit Risk Operations or corporate office has any information except to say that my claim has been marked as closed. Chase has apparently dropped the ball on their attempt to recover my funds. I am still struggling to recapture money which has been stolen from my account while under possession of Chase Bank. Chase is responsible for the safe keeping of accounts held by them. My account needs to be made whole for the money stolen from my account while under Chase Bank 's possession ( balance to be recovered is {$2100.00} ).
Product: Checking or savings account

On XX/XX/2021 Chase closed my business checking account XXXX XXXX XXXX XXXX for undisclosed reasons. The XXXX loan applied for by the company is going to be deposited in the business checking account as well as a tax return. Chase is claiming the account will be closed in 7 days. Now I have no way of accessing those funds when the funds are disbursed. What is the reason for this decision? Please overturn the decision. The business is facing hard times in this pandemic.
Product: Debt collection

I am writing to formally complain about certain items related to my account with XXXX XXXX XXXX XXXX ( `` XXXX '' ) and the subsequent actions of Diversified Adjustment Service , Inc . I understand that these actions may constitute violations of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
I activated a SIM card with XXXX on XX/XX/XXXX. However, due to poor service quality, I decided to deactivate my service within the 20-day cancellation period outlined in XXXX 's terms of service. On XX/XX/XXXX, I contacted a XXXX agent via online chat and requested immediate account cancellation. Despite my request for immediate cancellation, the agent informed me that the cancellation would take effect at the end of the billing period. I indicated clearly that I wanted the account canceled as of XX/XX/XXXX, and the agent confirmed it would be. I ceased all usage of the service from that point forward. 
Despite repeated assurances from XXXX representatives that my account had a XXXX balance and that the issue would be resolved, I have received multiple bills from XXXX with varying amounts and notices from various collection agencies. XXXX has verbally confirmed the accuracy of the information I have provided, including the details of my cancellation request, which are documented in the chat log. However, XXXX has maintained that the cancellation was processed as of the end of the billing period, contrary to my explicit request for immediate cancellation. 
Here is a summary of the relevant events and communications : XX/XX/XXXX : Activation of service with XXXX  XX/XX/XXXX : Requested cancellation of service with XXXX  due to poor quality XX/XX/XXXX : Received XXXX collection notice for {$480.00} XX/XX/XXXX : Received XXXX  XXXX collection notice for {$480.00} XX/XX/XXXX : Received XXXX billing statement for {$260.00} XX/XX/XXXX : Contacted XXXX and XXXX  XXXX to dispute the debt . XXXX XXXX stopped collection efforts. 
XX/XX/XXXX : Received XXXX  collection notice for {$260.00} XX/XX/XXXX : Received Diversified Adjustment Service, Inc. collection notice for {$340.00} XX/XX/XXXX : Contacted XXXX and Diversified Adjustment Service, Inc. upon discovering collection entry on credit report XX/XX/XXXX : Submitted written dispute to Diversified Adjustment Service , Inc . 
XX/XX/XXXX : DAS sent verification of debt for {$340.00}, citing only a bill from XXXX that I never received XX/XX/XXXX : Submitted complaint to FCC ( Ticket No. XXXX ) XX/XX/XXXX to XX/XX/XXXX : Disputed collections with credit bureaus, which were temporarily removed XX/XX/XXXX : Diversified Adjustment Service , Inc. replaced the Collection on XXXX report with a balance of {$95.00} XX/XX/XXXX : XXXX XXXXXXXX responded to the FCC complaint, indicating they would take care of the issue and XXXX out the account balance. 
XX/XX/XXXX : Diversified Adjustment Service , Inc. placed a {$0.00} balance collection record on my XXXX credit report.
Product: Checking or savings account

To Whom It May Concern, I have experienced low level fraud on my Chase bank account from XXXX XXXX on at least two different occasions and I would like to know if this can be investigated further and resolved. 

Each time, I have had over {$200.00} taken from my account in increments of {$50.00} - {$60.00} from four random people like ; " XXXX '', " XXXX '', " XXXX '' and " XXXX '' etc, with the number XXXX attached to it. ( Please see attached bank records transactions took place on XX/XX/XXXX and were reversed in XXXX ). 

These erroneous transactions have caused a negative balance and I need there to be a correction with this account. 

I am also writing the attorney general in this regard. Chase corrected the matter only to reverse and refuse to keep it corrected. 

The account number is XXXX Please advise on what can be done and what further information you need from me in correction to the issue. 

Thank you, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX CEO/ President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( o ) XXXX ( c ) Volunteer work Neighborhood Advisory Board XXXX XXXX
Product: Debt collection

To whom it may concern Conns appliance Account number # XXXX is unlawfully according to 15 U .S 1681a is reporting false inaccurate statements to my consumer report in attempt to damage my Good name.

Furthermore, I have no contract with this debt collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my first dispute onXX/XX/XXXXand never received a response or any contact in regards to that dispute which involved The credit bureaus reporting unknown, inaccurate, and unauthorized accounts on my credit report. I have no idea if an investigation was started or not so I submitted another dispute for a reinvestigation and still have not gotten a response or any contact in regards to my second dispute on XX/XX/XXXX. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft and they have caused me tremendous stress due to the fact that their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the better business bureau and the office of attorney general of Ga. Ive been affect by the XXXX XXXX  , and XXXX XXXX XXXX data breach. I also had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate the accounts. I do not validate the accounts. Therefore, the accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian, XXXX, and XXXX refuse to fix the accounts from being listed late. They told me they are not required to allow me to dispute these inaccurate information any longer. I constantly have to do Experian, XXXX, and XXXX 's 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 correct these damaging negatives from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Product: Credit card

Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I received notification that my information was involved in a Breach from XXXXXX/XX/XXXX XXXX XXXX. They stated that my personal information was accessed and downloaded from the banks database and a Fileshare during periods in XXXX XXXX XXXX 2024. According to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXXXX/XX/XXXX and also a FTC report.