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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Real Time Solutions XXXX XXXXXXXX XXXX, XXXX   XXXX Re : Real Time Solutions partial account # XXXX ; XXXX partial account # XXXX Dear Real Time Solutions and XXXX This letter is in response to the account being reported currently on my credit report concerning the collection of the above reference dating back to XX/XX/XXXX. 

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practice Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statue of Limitation for enforcing this type of debt through the courts in XXXX XXXX has expired. I have attached a copy of my statue limitation that confirms the limitation in XXXX XXXX is three years. Based on the information reported to all three credit bureaus this account was open on XX/XX/XXXX which will result in this account not only being unverified but also passed the timeframe of statute being open for a total of three years and five months. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. Documented status reported directly to the credit bureaus states that this account is scheduled to continue on my report until XX/XX/XXXX further more confirming the statute of limitation in XXXX XXXX of three years. A copy of credit report is attached. 

This letter is a formal notification that I consider this matter closed and demand that you or anyone affiliated with your company, as well as any collection agency attached to this un-validate account be removed from all credit bureaus. I look forward to you contacting me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. 

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation to my State Attorney General, to The Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. 





XXXX XXXX
Product: Credit card or prepaid card

A credit card open Fraudulent in my name on XX/XX/2019 {$1500.00} from Comenity bank visa Card XXXX XXXX, never apply for this card someone used my information to open this account
Product: Debt collection

MBA at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX has been sending me collection noties in the amount of {$1400.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

I was told by XXXX from Global Solutions LLC that they were going to come to my home and business to take my belongings and money from my bank account. When I asked XXXX so send me the UCC lein file number she was unable to provide such number.
Product: Debt collection

I received a copy of a payment demand letter from Ad Astra Recovery Services that was included in forwarded mail from another address. I did not live at this address at the time this payday loan was applied for. I requested validation of this debt under the Texas Finance Code Section 392.202. Ad Astra did not respond to the request but they continue their collection activity by continuing to report the account to the credit reporting agencies. They also verified the account as accurate XX/XX/XXXX and XX/XX/XXXX but were unable to provide copies of contracts, agreements., etc.
Product: Debt collection

In XXXX I had XXXX XXXX and XXXX, The XXXX XXXX XXXX  credit card I had with a balance of {$300.00} was charged of due to unable to pay which appeared on credit report. In XXXX I paid collection agency {$360.00} which was {$62.00} more than original balance on a charged off account to help me recover from my misfortune and health. The bank changed collection agencies and I was charged {$420.00} in late fees that have went into collections on XX/XX/XXXX from an account that was closed and charged off from XXXX I am XXXX and have neurological problems but this seems crazy and illegal to go after me 3 years later for late fees on an account that is already charged off on my XXXX and XXXX report. How can I have a collection and a charge off Trying to build my credit back up and from 3 years a collection account shows up for late fees not even the original amount of card this is not right both of these accounts from XXXX XXXX XXXX should be removed now this is fraud and harmful. Im sorry
Product: Mortgage

I refinanced my home with XXXX XXXX XXXX and they sold my mortgage to village capital. village capital then sent me a letter in XX/XX/2020 stating that they were going to purchase homeowners insurance. I already had homeowners insurance with XXXX. I then paid my insurance {$2400.00} and rent the paperwork to village capital for a refund. I am now to the point where i am talking to XXXX XXXX her number is XXXX. I have filed a claim with the XXXX XXXX XXXX. The insurance was to be paid in my refinance and never was.
Product: Checking or savings account

I deposited 4 checks for {$7500.00} each from my personal XXXX XXXX account to my personal Chase account in an attempt to move all of my money over to Chase. Chase then disallowed me from using my entire account and sent me a letter threatening to close my accounts if I didn't call them to give information that they never requested. I called and customer service said they needed to call XXXX XXXX to confirm the deposits. They added XXXX to the call and confirmed that all checks cleared, but they STILL held the funds on one of the checks for no reason and refused to unlock my account. They said I had to go to the bank to close it in person. I went to the bank and they called the fraud department, who said they needed to call XXXX and confirm that my account exists. They did that, but then still refused to release the funds so that I could close it out. They finally released the funds at the last minute, but said they couldn't close it out because their system is old and the restriction would take yet ANOTHER day to release the hold so that I could close it.
Product: Credit card or prepaid card

The card I have is to receive child support from the New Mexico Human Service Department ( NMHSD ). The card I currently have expired XX/XX/2020. The address was not updated in the EPPICARD system and had my previous address, so I did not receive a new card. 
In XX/XX/2020, I called t

he 1866 number on the back of the card for EPPICARD and was informed that I must update my address with the NMHSD to receive a new card. I called the NMHSD to verify my current address was updated, which it was. I called EPPICARD to the 1866 number on the back of the card and was again told the same thing and had no luck getting through to the person who answered my call. 

It is now XX/XX/2020. 
I called EPPICARD ( 1866 number on the back of the card ) Friday, XX/XX/2020. I was on hold for a very long time ; luckily, after 30 minutes, I reached a person. I tried explaining the situation again and still, no luck. I again was told to get the address corrected with NMHSD.

I got on the online chat with the NMHSD, and they were able to
send a request to send me a new card. It was issued on XX/XX/2020, with an estimated delivery date of XX/XX/2020. I was thrilled but to see that it was mailed to an address I have never used on my online account. It was being mailed to XXXX XXXX, Nevada. 

I have called EPPICARD again to get someone on the phone to correct this mistake and send me a new card. I called EPPICARD XX/XX/2020, and XX/XX/2020, and have been hung up on. I wait 20-30 minutes on the phone, and when someone picks up, they ask what state I am calling from ; I answer, and they say they can not hear me and to call back again, then they hang up the call. Other times that I call I am waiting 20 minutes, and I can clearly hear someone pick up and hang up the call. I can not get a hold of anyone now.
Product: Credit card or prepaid card

I did not authorize my roommate to add me as a user to this card. 
Email XXXX  Opened up bank accounts falsely in my name while i was traveling abroad, bounced checks etc, and racked up debt ... .... That as the main user on the account like AMEx has stated to me, he can only get me removed from the account .... sometimes they just run me in phone call circles. The account is listed as Authorized user, I need this removed, it not my obligation, nor did i ever agree to its or sign anything regarding the accounts terms. ETC DO they have any prooof?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act.The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy // 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.A 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 which antedates the report by more than seven years. 15 U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I am writing to formally dispute the accuracy of a collection account that appears on my credit report. The account in question is I.C. SYSTEM, INC, account number XXXX

Upon reviewing my credit report, I noticed several inaccuracies within this collection account. Due to these errors, I believe this collection account is not a true reflection of my credit history and should be removed. 

I kindly request that you investigate this matter and remove the inaccurate collection account from my credit report. Enclosed with this letter, you will find copies of supporting documents that highlight the inaccuracies and provide evidence for my claim. These documents include [ list any documents you are enclosing, such as payment records, correspondence with the collection agency, etc. ]. 

I appreciate your prompt attention to this matter and look forward to a resolution. Please notify me in writing once the investigation is complete and the necessary corrections have been made.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an inquiry on my credit report from TOWER LOANS that I did not make. I have never used this company. Tower loans currently has accounts on my credit that are in the amount of XXXX, and XXXX. I have never had an account with this company. My information was included in a data breach that happened in XXXX. My identity has been used on several occasions to obtain loans and credit cards. These accounts and recent inquires are proof because I have never used this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$72000.00} ; XXXX XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX  XXXX XXXX XXXX {$1800.00} ; XXXX XXXX XXXX XXXX XXXX MI XXXX.
Product: Vehicle loan or lease

American Honda Finance Corporation ( AHFC ), doing business as Honda Financial Services reported a " late payment '' to credit agency without my written consent violating consumer law 15 USC 1681b and 1681A ( 2 ) ( a ) ( i ) The law stated : ( 2 ) Exclusions - Except as provided in paragraph ( 3 ), the term " CONSUMER REPORT '' does not include : ( A ) SUBJECT TO section 1681 s-3 of this title, any : ( i ) report congaing information solely as to transactions or experiences between the CONSUMER [ ME ] and the PERSON [ AHFC ] making the report. thus, the reporting violated my right as a consumer and I need for the " Late payment '' withdrawal and removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I Reported this unknown debt collection from HP SEARS that I have no acknowledgement of nor consent to, to the Identity Theft Report Gov. agency.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a payment for personal property sold and that payment was made via paypal. Paypal held the funds requiring me to submit my SSN for tax withholding. Nevermind that taxes are my responsibility and that there is generally no tax liability when selling personal property outside of a business. 

The fund were held and it said submit your SSN and funds will be released in 15 minutes. It's day 4. My funds are still on hold. I have communicated through multiple channels to paypal and have been told it's an IT issue with no ETA on resolution. No one seems to be able to tell me when this is going to be resolved. If they have a known IT issue why would they not disable the system and why would they still tell me it would be 15 minutes. 

There is no recourse and no one seems to be looking out for the consumers. They have my funds and everyone just says they are doing the best they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAN 30 day they are in violation of the " FAIR CARES ACT '' inquiry Credit Bureau XXXX - XX/XX/XXXX Equifax XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 XXXX XXXX was contacted to add an Authorized User to my account with the expectation of the Users information being submitted to Trans-Union . The information has never been submitted. I am asking that both of these companies be investigated. 
Thank You
Product: Debt collection

On, Sunday XX/XX/XXXX, I received a notification from, XXXX XXXX, about a DEBT. There was NO letter or prior notification from the, debt collector. There was NO account number associated with the notice on my, XXXX XXXX. I called Diversified ADJ SVC, on Monday, XX/XX/XXXX, and requested the, Full Account Number associated with the debt. I informed, Diversified Adjustment ( XXXX ) that it was against the law for a, THIRD PARTY to attempt to collect a debt, without first contacting the person. Also, I requested that this, ACTION OF PUTTING THIS TRANSACTION ON MY CREDIT REPORT WAS, FRAUDULENT and that, I was going to file a complaint with, CFPB. Today, Wednesday, XX/XX/XXXX, I receive another communication from, XXXX XXXX, by way of, Diversified Adjustment about the above, and that this has been reported to, XXXX Credit Bureau, yet affecting my credit score by a, NEGATIVE-XXXX POINTS. I am requesting an, FORENSIC INVESTIGATION, from, CFPB. I am also requesting why there are other, items NOT being reported on my credit reports. These Credit Bureaus are working with, Mortgage Companies to, CONCEAL items that have been put on our, Credit Reports without our knowledge and consent. These are all violations. On top of all of this, these debt collectors are committing FRAUD, by creating dates for accounts that were, NEVER opened by me ( XX/XX/XXXX ). The violations are : Under the, FAIR CREDIT REPORTING ACT. Wednesday, XX/XX/XXXX. XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Ive never banked with regions before so I shouldnt even have a closed account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to have them take all accounts in dispute out if dispute on XXXX, XXXX XXXX. They told me there was no dispute. There was on my credit report. I called twice on XXXX XXXX XXXX and the person I spoke with OPENED THREE DISPUTES without my permission. Doing the exact opposite of what I asked. I am in the process of buying a house and my mortgage will not go through if anything is in dispute. I explained this to TWO people. I called them to ask how they could file a dispute when that was the exact opposite of what I told them to do. I was told the dispute center was closed, and to call back the following day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I began mailing letters to the major credit bureaus in regard to my credit report. While some of the items were removed, the following still remain. 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 XXXX5 USC 1681. Account name : XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. XXXX5 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 or 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, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX  days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit card

Inquiries are my Credit report that are fraudulent and unauthorized by me JPMCB CARD SERVICES Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX JPMCB CARD SERVICES Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXXXXXX XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$5500.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and so on.