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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been 6 months and Experian Credit Bureau is still reporting  XXXX  unknown collection accounts on my credit that were not originated by me. I have tried calling and was transferred to another department in which i was on hold for more than  30  minutes before hanging up and they have ignored my written disputes. My only recourse and this point is to file a complaint with you and your company is hopes i will help me get the situation resolved or it is more ammunition to prove in court that i have tried to get my case resolved.   XXXX  Experian Report #  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

" Your agency is in violation!

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.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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$15000.00} XXXX XXXX XXXXXXXX {$5200.00} XXXX XXXX  XXXX {$4600.00} XXXX XXXX XXXX XXXX - XXXX {$20000.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX  {$990.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX - XXXX {$9600.00} XXXXXXXX XXXX XXXX XXXX {$360.00} XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following account that you must remove is listed below : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$390.00}
Product: Credit reporting or other personal consumer reports

Subject : Identity Theft and Fraud Victim Notice and Request for Removal of Fraudulent Accounts To whom it may concern I am writing to formally notify your offices that I am a victim of identity theft and fraud, and I am also a survivor of XXXX XXXX Fraudulent accounts, credit cards, and debts have been opened or incurred in my name without my knowledge or consent. These actions were not taken by me and were entirely against my will. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Credit Repair Organizations Act, I demand that all fraudulent accounts, negative items, and associated debts be removed from my credit reports immediately. I also request that any inquiries associated with these fraudulent accounts be deleted from my file. 


To protect my credit and prevent further misuse of my personal information, I also request that a fraud alert and/or credit freeze be placed on my file. Please update me once these safeguards have been implemented. 

This fraudulent activity occurred outside of my control as I was a victim of XXXX XXXX, a situation that stripped me of my ability to control or protect my financial information. I am not responsible for any of the resulting accounts or debt. 

I expect a written response confirming that all fraudulent accounts and entries have been permanently removed or blocked from my credit reports. If additional information or documentation is required, please contact me at XXXX or ( XXXX ) XXXX. 

I appreciate your urgent attention to this matter.
Product: Debt collection

National Credit System has been reporting an old debt and has completely false dates about when I was living at the complex for the lease agreement. I do not know if National Credit Systems is the one providing false dates or if they purchased it with false dates. I have not lived or paid anything to the management company in over 7 1/2 years. I called them and spoke with a nice representative telling me I need to file a police report about it. I have asked for these documents that supposedly say I lived there in XXXX, which is impossible as I was under a different lease agreement at the time in XXXX XXXX. I have yet to receive these documents via email as requested. When I do receive them I will investigate further. Am I actually required to file a police report for false aging of a debt?
Product: Debt collection

My identity was stolen from a women what found my information at a hospital. Instead of returning it, she imposed as I for 3 years until she was caught. I sent all 13 pages of the police report to XXXX, XXXX, and XXXX. I also sent it to all of the accounts that were fraudulently opened. 
Yet, 5 years later 2 companies XXXX XXXX XXXX and XXXX XXXX are still trying to have me pay the debt l didn't accrue. 
XXXX XXXX XXXX reps are terrible. Threatening to call all hours until the debt is paid.
Product: Vehicle loan or lease

On XX/XX/XXXX I traded in my XXXX XXXX to XXXX XXXX XXXX for another vehicle. This vehicle was financed through Ally Bank. 

I had GAP Coverage on this vehicle, which was valid at the time of trade in. 

On XX/XX/XXXX, Ally Bank issued a refund payment for the unused GAP Coverage in the amount of {$200.00}. The check was issued to myself ( XXXX XXXX XXXX ), and my mother ( XXXX XXXX XXXX ). 

Being that the check was issued in both names, we both signed the back of the check in order to deposit the funds. Neither myself nor XXXX XXXX XXXX share any banking accounts in joint name. I first tried to deposit the check with XXXX, which was dishonored because we did not have an account in both of our names. I tried again with XXXX XXXX and was also dishonored for the same reason. Both banks insisted that the easy solution was to have the issuer - Ally Bank re-issue the check one of two ways ; 1 ) in one persons name only, 2 ) split the amount and issue two checks - one in each of our names. 

On XX/XX/XXXX I called Ally Bank to request the check be reissued in either of our names alone or splitting the amount and issue checks to both myself and XXXX XXXX. They refused. When I explained the situation they refused and told me no. 

This situation has left the bank in a position to be unjustly enriched because I can not deposit the check as issued. They are in the position to cure the problem and refuse to do such. I would hate to have to sue for breach of contract and bad faith, but will have to if they do not respond with an solution immediately. Moreover, I'm sure that situations like this happen and the apathy to investigate and cure is profitable for Banks.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX established XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX established XX/XX/XXXX These debts/ collection doesn't match my address in the data systems. I stay at one address for over 10 years. My information has been stolen. I do have a identity theft report for proof. I need these items deleted from my credit report asap
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my sister in XXXX transferred XXXX Euro into my Capital One account. 
Before the transfer I called Capital Ine to inquire about fees and exchange rate, my sister did the same on her end in XXXX. 
I was told that Capital One does not charge any fees and will deposit the same amount that will come to their bank. My sister paid the fees that incurred in XXXX separate from the transfer. 
I checked the exchange rate for the next day, the day we made the transfer. It was XXXX. 
However I only received {$10000.00} instead of the {$10000.00}. I do understand that there might be a difference in exchange rate the bank uses, but the difference is {$270.00} which is extreme. 
I talked to several associates and managers at my bank who all insisted they did receive only {$10000.00} and the conversion was done before it hit their bank. 
My sister also talked extensively with her bank and they insisted that they did not do the conversion into US . Both bank said there was no intermediate bank they used. 
I finally got a statement from my bank after a lot of calls. I will attach it. 
I dont know what else to do. I dont know where who and why I received {$270.00} less. 
Please help!
Product: Debt collection

To Whom It May Concern : The account does not belong to me : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.

Please provide at least the following information within 30 days from the date of your receipt of this validation request : : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Interest Rate Disclosures Pay off Disclosures Was this debt assigned to a debt collector or purchased? 
Amount paid if the debt was purchased : Original Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

Proof that the Statute of Limitations has not expired Proof that you are licensed to collect in my state ; and Agreement with the creditor that authorizes you to collect on this debt If your offices fail to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX
Product: Debt collection

To Whom It May Concern, I am writing to formally raise a complaint against XXXX XXXX, XXXX for engaging in practices that violate federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This is a formal notice of my refusal to pay the alleged debt Account Number : XXXX, Amount : {$13000.00}. 
Their actions involve improper reporting of an alleged debt and persistent collection activities without adherence to legally required procedures. 
XXXX. FCRA Improper Furnishing of Information ( 15 USC 1681s-2 ( a ) ) XXXX XXXX, XXXX has reported information about this alleged debt to consumer reporting agencies without verifying its accuracy. As a furnisher of information, they are legally obligated to ensure the validity of any debt they report. Their failure to conduct due diligence before reporting has resulted in damage to my consumer report. 
XXXX. FCRA Lack of Permissible Purpose ( 15 USC 1681b ) My consumer report was accessed in connection with this alleged debt without a permissible purpose. I have no valid business relationship with XXXX XXXX  XXXX, nor have I consented to their accessing or reporting information about me. 
XXXX. FDCPA Failure to Validate Debt ( 15 USC 1692g ) Despite my efforts to dispute this alleged debt, XXXX XXXX, XXXX has failed to provide adequate documentation or validation to confirm its validity. Their continued attempts to collect without providing verification are unlawful. 
XXXX. FDCPA Deceptive and Unfair Practices ( 15 USC 1692e and 15 USC 1692f ) XXXX XXXX, XXXX has furnished misleading and inaccurate information about the nature and status of this alleged debt. This includes reporting an inflated or unsubstantiated balance to consumer reporting agencies. Additionally, they have engaged in unfair practices by attempting to collect on an unverified debt. 
These actions have caused undue harm by : - Negatively affecting my consumer report and financial opportunities. 
- Invading my privacy by unlawfully accessing and furnishing my personal financial information. 
- Subjecting me to emotional distress and inconvenience caused by ongoing attempts to collect without proper validation. 
I have also submitted a report to the Federal Trade Commission ( FTC ) regarding these violations. The FTC Report Number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card in question is an Apple Credit Card that I keep getting late payments which have decreased my credit score. I have never had an Apple credit card or opened an Apple account. I have spoken with Goldman Sachs who underwrites the Apple card and have informed them of this issue, they stated a manager would review this matter and contact me.
Product: Debt collection

Company waited almost 4 yrs between notifications and started garnish my wages again for an amount still collecting intrest. Or figure out an amount to settle on that us around the amount of the original loan amount. Dont think I should have to pay anything then what I have already paid considering the company waited so long between garnishment
Product: Credit card or prepaid card

I am an authorized user. I have been in contact with the Executive Office since XX/XX/2018. The account is not appearing on XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I terminated my lease ( in compliance with Texas law ) with the XXXX XXXX/XXXX XXXX and moved out in XX/XX/2017. They immediately sued me for roughly one month 's rent ( {$2300.00} ), the case was dismissed by the County Court at the hearing on XX/XX/2017 after I agreed not to sue them for damages. A month later XXXX XXXX XXXX contacted me claiming I owed roughly {$7600.00} to the apartment complex. I provided them with a clear explanation and certified copies of the Court dismissal order, and even gave them a copy of my new lease showing I had  moved out in XX/XX/XXXX. They ignored the information and apparently " bought '' the debt from the apartment company, after which they contacted me repeatedly demanding that I agree to pay at least some of the alleged debt or they would report it negatively to the three credit bureaus - which they did despite knowing the XXXX 's claim that I owed them money had been dismissed by a Court of Law. They continue to report this fraudulent item and I am being harmed. I provided all this information to all 3 credit bureaus but they refuse to remove the fraudulent item from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

SunTrust opened a bank account in my name in XX/XX/XXXX which has been determined to be fraud. However, the inquiry is STILL ON MY REPORT as LightStream and has NOT been removed. SunTrust Bank ( SunTrust ) merged with Branch Banking and Trust Company, a North Carolina banking corporation ( BB & T ) and the combined bank is now known as Truist Bank ( Truist ). LightStream is a division of Truist. I have asked XXXX to remove it, SunTrust has promised me that they would remove ANY reporting, but as of today XX/XX/XXXX, the inquiry is still there. I did not authorize it and I want it removed immediately or a financial penalty invoked. This is nearly 6 months later and the inquiry is still present. It took SunTrust several weeks to close the fraudulent account and STOP sending me statements as if I actually opened the account!
Product: Mortgage

XX/XX/XXXX I requested for Ocwen to remove my escrow account effective XX/XX/XXXX ( or later - XX/XX/XXXX ). They denied my request based guidelines not relevant to me, a false home value report ( their records reflect {$60000.00}. home value ) ; falsely accused that I failed to put request in 25 days before they send an escrow payment and stated that my account must be 12 months current. I advised them continuously my income dropped greatly due to XXXX since XX/XX/XXXX and I need to lower my monthly payments to avoid further fees and foreclosure by removing the escrow account.
Product: Credit card

I have been disputing 2 charges that occured back in XXXX for years now with Amazon Synchrony Bank. Each time I open an dispute, they close it without resolving or acknowledging their complete lack of security allowing the charge to be made online without possession of the card. 

I requested multiple times to have the account closed to prevent further fraud ( I have not had the card since XXXX ). 

I noticed on the last statement they closed the account, and opened a new one, new number. They added a balance transfer fee of {$110.00}. 

I did not authorize opening a new account or a balance transfer. 

i called XXXX to learn why they did this and demand they remove it and stop opening accounts in my name. The rep XXXX said she could not remove the fee. I told her to transfer me to her manager. She would not give me the managers name, and then hung up.
Product: Debt collection

About 18 month 's ago i had find out that i have been a victim of identity theft and some one unknown to me had used my personal information to get credit cards, loans and other things. At that time i had filed a FTC report and Also filled a police report and every thing was removed from my credit report including the collection account from HUNTER WARFIELD. Few months ago after hearing about XXXX data breach i decided to purchase another copy of my credit report and i find out that i been a victim a gain also noticed the account that was removed from my credit report its back on my credit report. I had to go through the same thing Dispute the accounts again and it was removed and i just checked my credit report it is back on my report.
Product: Credit reporting

I have contacted Experian to inform them that the XXXX XXXX XXXX XXXX accounts that is reporting on my credit file do not belong to me. I have notified Experian and forward them a Fraud Affidavit with regards to this account. I do not know if this is a mix up or a blatant identity theft, but I have notified Experian and XXXX XXXX XXXX of this. I have not received a response from either of them. I would like these XXXX accounts removed from my credit file or proof of this account forward to me.
Product: Checking or savings account

On XXXX  I paid for a service which was XXXX dollars and I didnt receive the service and I asked for a refund and the person agreed to send the money back but now they wont send it back I have proof that they agreed. I requested to have the payment to be disputed but my bank which is XXXX told me that XXXX XXXX do disputes
Product: Debt collection

I requested XXXX XXXX to stop including other individuals who are not a part of my company on written correspondences, which he has failed to do. I have also asked for the compliance regulations and privacy rights of debtors. He failed to provide this information. He continues to send emails to me addressing other individuals who I do not know and I have not authorized for him to contact these individuals. When I asked where did he get these individuals contact information and how are they related to my account he refused to provide this information. The collection company, XXXX XXXX, has not had anyone else contact me regarding this matter as I have requested. The collection representative provided my full name, information regarding my staff and information related to the debt owed to other parties who are not authorized or affiliated with my company without my authorization or consent.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have all the incorrect information listed on my credit report. My name is incorrect, my address is incorrect, my employment is not listed, and there are items on my equifax and XXXX credit reports that I have been trying to have deleted for a few years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The massive hack/breach at Experian exposed my personal information. I have put a fraud alert onto my account, and will need to be extra vigilant to make sure my identity is not stolen.
Product: Credit reporting

I have been trying to dispute a hard inquiry from XXXX XXXX since XXXX 2015. I did not authorize XXXX XXXX to do a hard inquiry on my report. I have contacted XXXX XXXX and even provided proof that the hard inquiry was not authorized by me and should not have been done.