23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am unaware of this debt and was never given the opportunity to dispute it before it appeared on my consumer report, as I did not receive proper notification. This lack of notice is a violation of my rights, and I will not tolerate it. 

If you claim that I did receive proper notification, then I demand you provide the CERTIFIED mail receipt, including my signature, proving that I received such notification at least five days before this debt appeared on my consumer report, as required by 15 U.S.C. 1692g ( Validation of Debts ).

I am fully aware of my legal rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). These laws grant me the right to dispute the validity of this debt, and they require you to provide verifiable validation of this debt upon my request. If you can not produce a certified copy of my signature, confirming that I received proper notification of this debt, I demand that this collection/charged-off account be immediately and permanently removed from my credit report. 

My name is XXXX XXXX, a XXXX XXXX man who has worked tirelessly to build a better life. Systemic racism has repeatedly impacted my financial situation. Recently, I became a victim of identity theft, resulting in fraudulent accounts on my credit report, further damaging my score. 

Despite the protections of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), my case has not been handled fairly, likely due to XXXX bias. This identity theft has severely impacted my ability to secure a higher-paying job, essential for survival in todays economy. I am now at risk of homelessness due to inflated costs and this unjust situation. 

For 30 years, my credit history has been a constant struggle, worsened by systemic XXXX biases. As a responsible, literate XXXX XXXX  with a higher credit score, these fraudulent charges feel like an attempt to keep a XXXX person down, with a boot on my neck. I demand the immediate removal of this account and respect for my rights under the ECOA, FDCPA, and FCRA. 

Fraudulent Account Details Below : Collection Agency Name : Amsher Collection Services Account Number : XXXX Balance : {$510.00}
Product: Checking or savings account

Family member got into my cashapp account and sent {$750.00} to another account
Product: Credit card or prepaid card

About a week ago, I visited my online Bank of America ( further referenced as " BofA '' ) XXXX XXXX  site to change my Pay From bank accounts registered on that site that are used for making payments to my BofA credit cards ( I have four credit cards with BofA : ending in XXXX, in XXXX, in XXXX, and in XXXX. ) During the visit, I deleted several of my older bank accounts already registered on that site in the past ( some of which were still shown as " Unverified '' ) that I no longer use, and added a new one, which went into " Unverified '' status. I tried to add yet another account, but ran into an error message " Verify one of your accounts before adding another. You currently have the maximum number of unverified accounts allowed by Bank of America. '' Thinking that maximum is one, and realizign the account I had added is not the one I actually want to use, I deleted the " Unverified '' account I just added, and tried adding another one again, only to receive the same error message, " Verify one of your accounts before adding another. You currently have the maximum number of unverified accounts allowed by Bank of America. '' I've contacted Bank of America for help with this issue several times by phone, yet BofA was not able to resolve the issue for me. As it stands today, XX/XX/2023, I have a BofA XXXX XXXX profile with only one verified bank account and no unverified bank accounts listed, and can not register any other or new bank accounts due to receiving an error message " Verify one of your accounts before adding another. You currently have the maximum number of unverified accounts allowed by Bank of America. '' But there are none, and I don't have any to " verify ''! Please help resolve this issue ; otherwise, I'm not able to make BofA XXXX XXXX online payments from my desired bank accounts to my BofA credit cards due to this technical issue on BofA online XXXXXXXX XXXX site!
Product: Debt collection

The credit card was opened in XXXX of XXXX by internet. I am an identity theft victim and have identity alerts all over my credit bureau. There were to be no " NEW '' credit cards opened without calling me first! This credit card got opened without my knowledge and mailed to my old address. I moved from my old address in XXXX of XXXX to a new address. I have aggressively tried to work with XXXX of XXXX to resolve this issue and the have refused to work with me. When I finally realized this account was opened, I contacted them and reported it as fraud in XXXX of XXXX. They processed it as a blocked card and mailed me a new card which ended in XXXX. The first card ended in XXXX. They refused to fix their mistake. Since then they have sold it to a collection company. I will not be held liable for this identity theft! This bank is not willing to work with me
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a divorce and my x husband was awarded the property and was to refinance and he did not. I had to file chapter XXXX bankruptcy and it was final XX/XX/XXXX. They were sent the information by the courts and didn't not remove my name off the mortgage as it was listed in the bankruptcy papers. I have called many times and they told me to send in paperwork. XX/XX/XXXX again called and the woman that I talked to says that they will not remove my name off the mortgage as its not in bankruptcy or foreclosure anymore. I tried to explain and she put me on hold and hung up on me. Can you please help me as this is a big debt and keeps me from being able to build my credit up. 

Thank you XXXX
Product: Credit card

On XX/XX/2016 I used my TD Credit Card rewards to book a flight to XXXX on XXXX. Attached is my booking confirmation. I printed out my boarding pass the day before and when I arrived at the airport, I was told that there was a problem. My ticket had been revoked. How could this have happened? You can imagine a XXXX woman, by herself, being told that she ca n't fly to see her XXXX for XX/XX/XXXX. I was in a panic ... they had to get me a wheelchair, as my XXXX was just racing. Luckily, they got me on the flight, but I had to use another credit card to pay for the trip. How could I receive a confirmation and a boarding pass, only to arrive at the airport and be informed that my ticket was no good.
Product: Credit reporting or other personal consumer reports

The United States XXXX XXXX XXXX XXXX XXXX alleged released my non public information to LexisNexis and the reporting agencies. I was not aware the United States court released such records without consent. I have not given any consent to either party to release these alleged bankruptcy records and request these records be given to me so they may be inspected for verification.

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency
of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than XXXX business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, XXXX XXXX XXXX XXXX Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Product: Mortgage

hello all This may be kind of long, but i'm in need of help. I'm a 100 % XXXX vet and i'm on a set income. i'm also tax except. 1st time home buyer. i bought my house in XX/XX/XXXX and oklahoma state law says that you have to buy your house in XXXX to be except from that year of taxes. so i would have to pay property taxes for the first 6 months i was in my home. so there was XXXX that was put into my escrow. end of XX/XX/XXXX i got a letter from the county assessor for my property tax of XXXX it was about XXXX dollars. i called Mr. Cooper and they told me to scan in or email or fax that paper work from the county and they would take care of it. few weeks went by and i got a check from Mr. cooper stating that was the remainder of my escrow. a few months went by and i kept getting letters in the mail from Mr. Cooper to refinance. so i called them and they were gon na be able to give me half a point lower since i'm a vet and the VA wouldn't approve the loan unless my interest rate goes down. few days from closing, i found out that my property taxes weren't paid. Mr. Cooper told me that i would have to take care of that before we could close. i told them uhh no you were suppose to pay for that out of my escrow at the beginning of the year and i guess they didn't. so they said that they were going to pay the back property taxes. they did but now they are saying that i'm like XXXX negative in my escrow and that i owe them money. they have moved my mortgage payments up from XXXX a month to about XX/XX/XXXX. i told them that i wasn't going to pay that and i was only going to pay what i had signed for. so i kept making my payments and one month they didn't even apply my payment to the loan and now say i am one month behind. these people have screwed me over big time and i don't know what to do. PLEASE HELP ME!
Product: Debt collection

The company Creditors Bureau Associates posted a debt collection to my credit report the amount is {$600.00}. Ive never done business with this company and this dad does not belong to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

I have written to Equifax several times pointing that there reporting on my credit report is inaccurate ... they are not showing who it is who is trying to collect debt. Equifax has failed to respond but continues to report this inaccurate and unverifiable information. See attached excerpt from report.
Product: Credit card or prepaid card

I looked at my XXXX credit report ... and there is a discover card open in my name that I dont recognize and its has a XXXX balance on it and it was open in another state and its has a Washington address on it and I never lived in XXXX Washington .... and I disputed with discover and they put that account on my credit report and never ask for a police report from me .. and my credit is damaged and the fraud reps were rude to me and I cant get this account off my XXXX  credit report .... and I never applied for it .... the account number is ending XXXX and I lived in Texas that matches my driver license and I only applied for a discover secured card dating back in XX/XX/2017 that I paid off ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, equifax, XXXX for my credit report and I received XXXX report I called them and asked them who reported the XXXX  XXXX bankruptcy  on my credit report and they said XXXX Bankruptcy XXXX  in XXXX Al so i went to the clerk office and asked do they report to they report to the credit bureaus she said no so then I called the other XXXX credit bureaus and they gave me the same Information XXXX did. I want to know who reported the XXXX  XXXX because I have a letter stating they do not report to no credit bureaus or credits agencies. I want them disputed from my credit report.
Product: Debt collection

This company has reached out in pursuit of payment but when requesting information refuse to provide more details. This leads me to believe they are violating my consumer rights under 12CFR 1006.34 ( b ) ( 5 ) yet there is a collection recently added on my consumer report. Due to them avoiding to provide info after numerous attempts, I am now due for {$1000.00} for each violation listed by this company on my consumer report. They have the option to delete these accounts or pay me for each violation.
Product: Credit reporting

I received confirmation from Equifax that the Historical account information would be deleted ( see attached documents ) The items were not deleted. Please permanently delete.
Product: Debt collection

On XX/XX/XXXX I received a notice of collection from Amcol Systems ;  located at XXXX XXXX XXXX XXXX SC XXXX. I sent a letter on XX/XX/XXXX notifying them that the debt is in dispute and to cease collection efforts, until the debt is validated. I subsequently contacted by phone requesting that they send me a breakdown of the charges to which this debt is associated. I never received that information. I then contacted the original creditor XXXX and asked them to send me the breakdown of charges. I then received another bill from XXXX for a bill which included the total charges and no breakdown of the charges. I attempted for months to dispute the collection and the collectors ability to put this on my credit without validating it's accuracy. But I received no assistance from the credit bureau 's or the original creditor as to the breakdown of charges. It is my belief that the collection company has illegally continued to collect on a debt which has not been verified, after they received a notice to cease collection. This has been done by putting it on my credit report, thereby damaging my credit and potentially forcing me to pay it off in order to receive a loan from future lenders. After waiting for the bureaus and the collection company to provide me with the breakdown of charges, I then contacted the original creditor and requested a breakdown from them again. During that phone call with XXXX at XXXX she said they don't out a list of charges but that they were only general line item charges by category. I then pressed her for an itemized bill with all the charges, she was reluctant but then said she would do it. I received the itemized bill with all the charges on XX/XX/XXXX. I have still not gone through the itemization to see if the charges are all valid and correct, but yet the collection company has ruined my credit without any validation of the debt. Per section 809 of t '' the fair Debt Collection Practices Act '' the debt collector shall cease collection of the debt ... Until the collector obtains verification of the debt or any copy of judgement. Having put a collection account on my credit before validating the debt ( upon being notified ) is braking the law. I want the collection removed from my credit, until the debtor or collector has proof of the validity of the debt by judgement of a court.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a mortgage company did a hard pull on my credit through XXXX XXXX without having my consent. I had no intentions of refinancing my mortgage loan as the interest rates were as high as 7 %. I was not aware that a hard pull was down on my credit until after XXXX when I reviewed my credit information on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/XXXX. My home mortgage prior to the filing was serviced with America 's Servicing Company ( a subsidiary of Wells Fargo ). Shortly after I filed bankruptcy, America 's Servicing Company sold my mortgage to Wells Fargo. On XX/XX/XXXX A Notice of Electronic Filing of my reaffirmation agreement with Wells Fargo ( my home mortgage ) was filed through the bankruptcy court. My bankruptcy was discharged in XX/XX/XXXX. Shortly after the discharge, Wells Fargo submitted paperwork to me explaining the transferring of the account. Since Wells Fargo acquired my home loan, no payment history has been reported to ANY of the three credit bureaus. According to a letter from Wells Fargo, my home loan is being treated as reaffirmed and my payment history is being submitted to all three credit bureaus. This is not the case. In XX/XX/XXXX, I disputed my XXXX credit report. Wells Fargo updated the account. XXXX  attached a statement stating the MY statement to include Account Closed by Consumers request. This is an inaccurate statement and I have once again disputed this information and uploaded supporting documents to my XXXX  account. I have included my payment history that I requested from Wells Fargo establishing that my account is current and has never been late. I am unsure as to WHOM owns my mortgage and to WHOM I am actually making payments to if XXXX  is claiming my home mortgage is discharged through Bankruptcy. I had three other loans I reaffirmed, all three are being reported to the credit bureaus correctly. I am only having issues with my Wells Fargo account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX Bank XXXX Account name XXXX XXXX XXXX Account name : XXXX  Account name : XXXX XXXX XXXX Account name : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions, 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 reporting agency if the person knows or has reasonable cause to believe that the information is
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX  to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/year> Last 4 digit SSN : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer credit reporting agency, for their failure to comply with the request to block all items related to identity theft under section 605B of the Fair Credit Reporting Act ( FCRA ). 

On [ Date ], I submitted a formal request to Experian to block all items pertaining to identity theft within four business days as stipulated under section 605B of the FCRA. This was in response to incidents of identity theft that have affected my credit report. However, despite the legal obligation and the time-sensitive nature of the request, Experian has failed to take the necessary actions within the specified timeframe.

This delay in action from Experian has placed me in a precarious position, exposing me to potential financial risks and further damage due to the unresolved issues related to the identity theft. I have made multiple attempts to contact Experian to expedite this process, but to no avail.

I am seeking the intervention of the Consumer Financial Protection Bureau to address this matter promptly and ensure that Experian complies with the legal obligations set forth in the FCRA. I urge your office to investigate this non-compliance and take the necessary actions to enforce the provisions of the FCRA, thereby protecting consumer rights and preventing further harm due to the negligence of Experian. 

Enclosed with this letter are copies of all relevant correspondence, including the initial request made to Experian, as well as any additional documentation deemed necessary to support this complaint. 

I kindly request that the Consumer Financial Protection Bureau take swift action in investigating this matter and take the appropriate steps to rectify the non-compliance exhibited by Experian. Your prompt attention to this issue is greatly appreciated.
Product: Credit reporting or other personal consumer reports

REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES. 
XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Unauthorized balance withdraws Lack of protection on account and fraudulent activity Unauthorized access to debit card and checking account