23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ently I reviewed my credit report, and I discovered several inaccurate of my personal information such as my address, misspelling of my name, phone numbers, and erroneous accounts that must be immediately investigated. My credit report does not show my true credit history and these items should not be on my report. Pursuant to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be verified and removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. I am requesting that they be updated and remove that does not belong to me. The following accounts in dispute are listed below : Accounts : US BANK ( # XXXX, # XXXX ), XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX ( # XXXX, # XXXX ), XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX Delete Address that does not belong to me : XXXX XXXX XXXX XXXX , OHIO XXXX XXXX XXXX XXXX XXXX XXXX , OHIO XXXX XXXX XXXX XXXX  XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX , OHIO XXXX XXXX XXXX XXXX # XXXX XXXX, OHIO XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX
Product: Debt collection

I had accounts with XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX who all were hacked and had information stolen. XXXX XXXX XXXX gave me an Identify Theft Protection subscription from XXXX. I was notified by them that negative information was put on my records with the credit agencies. I checked it out and found that a collection company name Stellar Recovery had put on my records with the credit reporting companies that I was in collections. This was the first that I knew about this. I called Stellar Recovery and according to them, XXXX on XXXX of 2015 assigned them an account to collect in my name. Stellar Recovery told me that the XXXX Account number was XXXX and they told me that this account was for XXXX XXXX XXXX in XXXX. I told Stellar Recovery that I am XXXX years old, never been in XXXX and lived my whole life in Washington State. I further told them that I am, I am a XXXX when this took place. I shared that I have XXXX when this happened and not in XXXX. They told me that they would close out the account but that I had to contact XXXX. Then next day I found that on my records with the credit agencies that they had changed that I was in collections to that I owed money. I called them again and they said that I would have to contact XXXX. I called XXXX and they told me that I needed to fill out an Identify Theft Victim 's Complaint and Affidavit form ( from the FTC ) and then fax it ( along with any proof ) to them at XXXX. I tried to fax the Identify Theft Victim 's Complaint and Affidavit along with proof to them XXXX times ( XXXX different days ) and the fax number did not work. I called and asked XXXX to tell me the correct number and they could only give me the fax number that does not work. As a result I mailed them everything and I still have not heard from them and my credit is being hurt because of them. The proof I sent was a notarized letter from my XXXX in Washington State and notorized records showing that I was at XXXX in XXXX, XXXX and XXXX of 2015 and not in XXXX. If you contact me and give me a fax number I will fax you the proof I mailed to XXXX which was a notarized letter from my XXXX Washington State and notorized records showing that I was at XXXX in XXXX, XXXX and XXXX of 2015 and not in XXXX. My cell phone number is XXXX. Please help me. Thank you and have a great day.
Product: Debt collection

A year ago I was contacted by a company that said I owed them for a health club bill that was paid. With the help of a family friend I wrote a letter requested validation of debt and they stopped calling. This week I was contacted by XXXX ''. They told me I was going to be served and I should contact XXXX. I called the number and they answered the phone " claims office ''. I was scared so I gave them my credit card information. I then called my dad who told me to cancel the payment because that did n't sound legal so I did. Today I received more calls from XXXX XXXX at " XXXX '' an unknown number who told me they were going to serve me today. I checked the NY XXXX XXXX XXXX website and found no company under this name. I also received a letter from American Credit Resolution. The letter offered me a settlement but never offered my the opportunity to get verification. I believe the company failed to provide me validation of debt. I believe the employees of the XXXX were actually employees of American Credit Resolution. I believe they misrepresented themselves and this was a veiled threat since I thought I was going to be sued.
Product: Credit card

My credit card issuer, Citi Visa, assessed my account with a late payment fee of {$27.00} on XX/XX/XXXX that was a direct result of their online payment system being unavailable to access requests from XXXX. In speaking with their technical support services staff 1 day prior due date of about the issue they informed me that they were not able to provide an alternative and advised me to contact the Citi Customer Service line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. 

On XX/XX/XXXX I contacted Citi Customer Service via their online Chat Service and spoke with an agent who informed me that they would not refund the late fee despite the online payment system availability and the assurances from their technical service staff and prior chat session representative. I attempted to escalate the issue by requesting to have a supervisor contact me to provide my chat session notes and the my account of all that occurred but the representative insisted they would not reverse the fee.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against XXXXXXXX XXXX XXXX XXXX. for committing identity theft. I have never given sunrise credit service, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with XXXX XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022 I have not received any documentary evidence, such as a trilateral contract, giving XXXXXXXX XXXX XXXX any right to collect on this alleged debt. 
I have never received any documentation requesting validation from XXXX XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXXXXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRAXXXX XXXX PD and CFPB unless you can provide valid verification and original signatures. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the consumer Financial Protection Act ( CFPA ) specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Transunion inquiries issue that they had. I have over 55 inquiries that are not mine. I have provided all the information needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, ARS ACCOUNT RESOLUTION added a Derogatory Mark on my credit report per XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, ARS ACCOUNT RESOLUTION has violated my rights as a consumer an I'm requesting legal action to remove this account immediately.
Product: Debt collection

COLLECTORE KEPT CALLING MY WORK, CELL AND HUSBANDS CELL AND HOME, STATING IF WE CO N'T PAY WILL BE FINED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested via on-line form that Experian place a credit freeze on my account due to the XXXX data breach. After completing the form and submitting it, the web response was that my request could not be completed on line and that I had to send in a mail request, a request that had to include documents confirming my identity, which of course were also subject to data theft via mail diversion. I requested in my letter that I be informed as to why my freeze request could not be processed on line. I received a letter from Experian noting that my freeze had been placed, but no answer to my question regarding why I could not establish a freeze on-line. On XX/XX/XXXX of this year, I wanted to have the freeze temporarily lifted in order to apply for a credit card. I completed Experian 's on-line form requesting a temporary lift, which included my credit card info for a {$5.00} charge, and submitted the form. The next screen informed me that my request could not be completed on line, but had to be mailed, once again including social security number, utility receipts, my freeze PIN, DOB, copy of license, etc. All info subject to mail diversion/theft. I have tried calling Experian at least 10 times using various numbers ( XXXX XXXX XXXX ) ; during none of these calls was there ever an option to speak to a live representative - only multiple voicemail options with instructions followed by a hangup. The requested information was mailed to XXXX on XX/XX/XXXX by certified mail. It arrived in XXXX TX on XX/XX/XXXX but was not delivered to XXXX until XX/XX/XXXX. Experian states mail requests will be honored within 3 days. It is now XX/XX/XXXX and I have received no information from Experian that my freeze has been reversed. It seems impossible to check freeze status by internet web service or by phone ( yes, multiple failed attempts again today ). 
It is unconscionable that a company whose business model is to profit from my personal financial data without my permission or recompense to me would not provide a readily accessible means to speak to a customer service agent in order to get a question answered, and would not answer a specific written question about freeze services. This is obviously deliberate on their part ( multiple similar complaints in on-line and social network forums ).
Product: Student loan

I was no longer able to participate in IBR, however the other loan payments I make in a month total almost {$600.00}. I have had to put my loan in forbearance for the past two years as I can not afford to make those payments.
Product: Mortgage

To start from the top I had taken the mortgage forbearance offered during COVID by my loan servicer, LoanCare - approx. 13 months +/-. At the end of it ( XX/XX/XXXX ) I submitted the necessary paperwork to see what options I had and entered into the trial period of making mortgage payments again. 
During this time I received an email from MICHIGAN STATE HOUSING DEVELOPMENT AUTHORITY ( MSDHA ) about their new pilot program Michigan Housing Assistance Fund ( MIHAF ) with the goal of it to bring mortgage payments current to those who qualify. I submitted the necessary paperwork around XX/XX/XXXX and then by XX/XX/XXXX I was alerted that I was DENIED in the MIHAF portal due to me being in a loan modification. At that time I had no idea nor had I received any paperwork related to a loan modification from LoanCare until AFTER this denial- approx. the last week of XXXX XXXX. 
In the MIHAF denial it referred me to one of the MSHDA agencies for additional questioning - NO APPEALS process at all was mentioned. I spoke with MSU EXT., a MSHDA agency and I had a terrible experience with them and things were dragged out for over a month. Even if I did decide to take the loan mod at that time I missed the low interest rate window by that time. 
After continuous back and forth with MSU EXT for almost 2 months, they were finally able to find the official appeals process for MIHAF which was an email address. I submitted my appeal on XX/XX/XXXX. I did NOT receive any response or communication from them regarding the appeal. I even requested call backs from management and nothing. I emailed the XXXX mailbox one more time back in XX/XX/XXXX, still NOTHING. 
By this time I gave up and agreed to start the process again with LoanCare, to which they had to do all of the paperwork again. I had to do 3 months of trial payments again which started last XXXX to XXXX. I received the modification paperwork in XX/XX/XXXX and finally agreed and signed the first week of XXXX. 
A week after signing, I received a message from the MIHAF portal saying my XXXX is approved - XXXX XXXX XXXX. I spoke with an agent and she gives me the details of my account stating that they accepted my appeal in XX/XX/XXXX and REQUESTED the back payment info from LoanCare but NEVER heard back from until XX/XX/XXXX, which is just a few days after I signed and agreed to the loan modification. 
I spoke to both LoanCare and MIHAF on XX/XX/XXXX - MIHAF says they approved to release the funds and bring my account current on XXXX. LoanCare says they objected to the funds on XXXX because I have accepted the loan modification. 
MIHAF has escalated to review this.
Product: Credit reporting or other personal consumer reports

Account Details Account Name : Department of Education/XXXX XXXX XXXX XXXX XXXX I would like to bring to your attention that this account is being reported seven times on my credit report, each with a different amount. This repetitive reporting is inaccurate and adversely affecting my creditworthiness. It is crucial to note that I have no association with this debt, and it is not my responsibility. 

Furthermore, I have observed that this inaccurate information is reflected across all three major credit bureaus - TransUnion, XXXX, and XXXX. This inconsistency only deepens my concern, as it implies a significant discrepancy in the reporting process. 

I kindly request that you take immediate action in accordance with the Fair Credit Reporting Act ( FCRA ) laws to rectify this issue. According to FCRA, it is incumbent upon credit reporting agencies to ensure the accuracy of the information they report. Section 611 ( a ) ( 1 ) ( A ) of the FCRA stipulates that ... if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer... the consumer reporting agency shall, free of charge, conduct a reasonable reinvestigation... 

The inaccuracies in this reporting not only tarnish my credit profile but also constitute defamation of my character. I implore you to promptly remove this erroneous information from my credit profile, as it is imperative to restore the accuracy and integrity of my credit report. 

I am providing the following supporting documents for your reference : a picture showing seven different accounts on my credit profile which is inaccurate reporting I kindly request that you acknowledge receipt of this dispute in writing, along with a detailed outline of the actions taken to address this matter. Please be advised that I am keeping a meticulous record of this correspondence for my own reference. 

Thank you for your immediate attention to this matter. I trust that TransUnion, XXXX, XXXX will undertake the necessary steps to rectify this situation promptly and restore the integrity of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX  : I received a credit report in the mail to today, and I spotted an issue with the charge-off trade line on the report : XXXX XXXX XXXX XXXX Reason : Balance is incorrect and according to my records you have the funds to payoff the account how can this be a charge off? 

Im not sure how long it will take to fix these issues, but I will wait.
Product: Debt collection

Name : Consumer Adjustment CO. 
[ Debt Collectors name ] Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX E-mail/Phone : ( XXXX ) XXXX To whom it may concern, This Letter is being sent to you in response to : Notice sent to me on XX/XX/year>. 
In response to a listing on my Credit Report in the amount of XXXX This letter is neither an acknowledgement of debt nor a refusal to pay, but a notice to request validation of the alleged debt. 
According to the Fair Debt Collection Practices Act, 15 USC 1692g ( FDCPA ), I am entitled to request validation of the debt that you allege is due to you. 
I respectfully request you to provide me with competent evidence of my contractual obligation to provide payment to you. 
As required by the FDCPA, please provide the following information to me within thirty ( 30 ) days from the receipt of this Letter : Creditors Name and address Name of the Debtor of Record Full Account number Amount of debt Due Date of debt Original Charge off or delinquency date Explanation of how the debt was calculated Evidence that the debt is within States applicable Statute of Limitation Name of Collection Agency or Owner of Debt Amount paid if the debt was purchased Executed agreement for the debt. 

Upon receipt of the proper documentation as requested above, I will require at least 30 days to investigate the respective information, during which time all collection activity shall cease and desist. 
If any action is taken which could be considered detrimental to any of my credit reports, I will initiate legal proceedings. This means any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
In case of failure to respond to this Letter within 30 days from the date of your receipt, all references to this account must be removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, Senders name and signature : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account name : XXXX XXXX, Account # 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, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting each inquiry listedas a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the 45 plus days that is typically allowed to check different lenders and find the best loan. These inquires are all of like kind and therefore should only be reporting as ( 1 ) line item. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report as only ( 1 ) inquiry. It is a violation of the Fair Credit Report Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit card or prepaid card

on XX/XX/XXXX i went to pay my amazon credit card held by synchrony bank and instead of sending XXXX i sent XXXX by mistake. i think my coumpter keys wre sticking. on XX/XX/XXXX by email i got a thanks for XXXX and realized my mistake. i called on XXXX XXXX and bank said it would take 3 weeks for refund. 3 weeks no check. call back and told check not sent but would be. on XX/XX/XXXX told check was sent on XX/XX/XXXX. i asked for confirmation in writing and have email confirming. its XX/XX/XXXX no check. they canceled the 2 credit cards i have with them and ruined my excellent credit rating. they think that i am pulling a scam. they owe me XXXX which they show on my last 2 statements. i am looking for help. i dont have and extra XXXX laying around. can you help. please
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting multiple inquiries on my credit report that do not belong to me. I have never made any inquiries to these creditors. ( I have attached a copy of the Inquiry page from my credit report along with a copy of my drivers license and SSN for reference. ) These multiple inquiries belong to someone else and are reporting in error. This false reporting is seriously harming my credit score and these inquiries need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these inquiries however, I have not been successful.