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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't get anyone on the phone and the upload feature is not allowing me to send documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three accounts on my experian report that are not mine 1 XXXX XXXX 2 XXXX XXXX 3 Bankruptcy
Product: Credit reporting or other personal consumer reports

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 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB- STOP Saying I need to go to the OCC XXXX They said I need to go through you! My name is XXXX XXXX. My account number is XXXX. I have filed THREE FARUD disputes with XXXX XXXX! They failed to cease the negative reporting during their investigation which is a violation of FCRA and Reg Z 1026.13 specific to Billing Disputes. In addition, XXXX XXXX NEVER sent me a billing statement not electronic or by mail until i sent in my first dispute! This does not solve for their violation of Reg Z 1026.5! There are three regulatory violations here! Plus then they CHARGE OFF the account and ruined my credit!!! I am already impacted by COVID as in I had it and still suffering! I do not need this also! I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b  ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b ) considering I have never received any means of a billing statement. I have been in the hospital with COVID for a while and recently was released and can now address this matter. I Demand XXXX XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XX/XX/2020, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against SYNCB/Verizon. SYNCB/Verizon is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that SYNCB/VERIZON is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave SYNCB/VERIZON any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2022 ( XX/XX/2022 ). If this inquiry is not removed, I will hold SYNCB/VERIZON criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If SYNCB/VERIZON can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Product: Debt collection

Signed agreement as Power of Attorney for a family member with understanding of the company that the family member was agreeing to the debt. Subsequently perused the debt to me personally.
Product: Debt collection

Midland XXXX. 
Keeps sending and old billl I had from a credit card which was send to a settlement company for A debt settlement of my bils. In the length time I was paying they did come with the right and try to collect all amount of money from the card before was on this program and after was written off and They brought this. I been disputing and not giving the write amount. Ive been sending all documents to them and they have not take me out from my credit report since I am disputing. They are on a violation of the credit report act by not giving the time to solve the dispute not taking their name on my credit report as collecting since 3 months ago. I dispute with all 3 major credit report. And I demand they remove their name as collection until this dispute gets resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two mortgages with XXXX XXXX/loan care, they have misapplied payments to one of the loans causing the other loan to appear as delinquent. After several phone calls, and submitting a dispute they still reported negative information to the credit bureau. This has caused me to be declined credit, and a visit from someone to my home stating foreclosure is pending.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Debt collection

I have no idea what this debt is from. It says XXXX, but I have never had any XXXX products in my name.I did nothing credit related in 2017 and that's when it says it was reported. I already disputed it on my credit report, and the response was just " verified, it is your account '' but how did they verify it? I didn't get any notice or anything. No explanation at all.
Product: Debt collection

On XXXX XXXX of 2016, I called Fenton and McGarvey Law Firm, hereafter known as " the company '', and asked for assistance in figuring the final payment amount for my account. The representative told me the payoff amount and provided me instructions for how to pay the account off online as I was not in a position to provide payment information at that moment. Before the contact on XXXX/XXXX/2016, I had a payment arrangement with the company that consisted of a monthly payment of {$64.00}. When speaking to the representative, she confirmed that my monthly payment arrangement would automatically cease when the account was closed out. However, on XXXX XXXX, 2016, a check was sent to my bank for cashing from the company in the amount of {$64.00}. I called the company on XXXX/XXXX/2016 and was told by the representative that I spoke that they were aware of the error but would not return payment until XXXX. When I asked to speak to the supervisor, the representative told me he was unavailable and that it was " my fault '' that payment was taken. She informed me that due to the fact that I paid it off online, they were not able to cancel the monthly arrangement. This was after being on hold and listening to their IVR inform me " For faster service, please pay online '' I told the representative that it was unacceptable for them to place blame on me and demanded to speak to a supervisor. After being place on hold, I was routed to a XXXX XXXX and placed on hold for 10 minutes. When he returned, he said they needed proof that the additional funds had been removed from my account ( after the previous rep confirmed that they knew there was a payment overage and would be resolving it ) I offered to send a copy of the electronic check and the line from my bank statement to resolve the matter before XXXX. It feels incredibly invasive to be asked to provide this information when they were able to confirm an over payment had been made. The company has violated the FDCPA by engaging in unfair collection practices by removing an amount more than what was owed.
Product: Money transfer, virtual currency, or money service

I have XXXX bitcoins stored in Coinbase (currently about $3000+). On XX/XX/XXXX, I tried to sell and withdraw it to my bank account, but I couldn't because for some reason Coinbase couldn't verify my ID. The ID information that I submitted to open the account was obviously sufficient for me to buy bitcoin, but now they won't let me withdraw my money. On XX/XX/XXXX, I contacted their support center and explained the issue. I got an email back (probably automated) saying that they were looking into it. Then I didn't get any response for a week. On XX/XX/XXXX, I sent another email asking for a response and said I would go to the Better Business Bureau if nobody responded soon.

No response. I went to the BBB. Another week later, XX/XX/XXXX, I got an email with instructions to help me verify my identity. The email instructed me to respond once I had completed the steps. I completed all the steps, but they didn't work. I still can't withdraw my money. I responded to the email asking what to do and got no response for another week. On XX/XX/XXXX I went to their support center again asking for a response, and saying I would go to the CFPB if I didn't get any answer within 48 hours. 48 hours passed, no response. So here I am.
Product: Checking or savings account

On two occasions I have been charged an overdraft fee that put my account in the negative. However, it was the fee that put my account in the negative. When I asked them about it they told me I had pending charges that put me in negative balance. Ive also been set up to notify me if a transaction causes a negative balance. However, they dont alert me until the next day so that I can not react and fix it. Instead they alert me next day after the fact so they can charge me a fee. Its worst experience ever to be used and lie to by a financial institution that we should be able to trust with our hard earned money.
Product: Debt collection

In XX/XX/XXXX I had someone open a XXXX cell phone in my name with out my knowledge. I disputed this with XXXX and it was resolved and deleted. now a collection agency is reporting that I have a new collection with them as of XX/XX/XXXX I do not have a collection. and this was identity theft from XXXX years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act : The collections and companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

I have a {$1500.00} debt for XXXX. I have never lived at the address XXXX  has on file and I never had XXXX for my phone company. I had boost for years and just switched to XXXX XXXX
Product: Credit reporting

I continue to receive offers under my previous name, XXXX XXXX, over XXXX months after opting out of marketing offers, and after filing a complaint XXXX months ago, in which the company stated it may take a year from my original opt-out date of XXXX 2014. It has been well over a year and I continue to receive these unsolicited, multiple, unwanted offers ( see most recent offer attached ). The offers contain the opt-out notice at the bottom. I do n't know of any other way to opt out than what I have already done, by phone, permanently by mail, etc., yet they continue to come in years later. This is unacceptable and puts my personal information in jeopardy of identity theft. I have requested multiple times to stop receiving these offers. What more do I have to do??
Product: Payday loan, title loan, or personal loan

I took this furniture lease through XXXX XXXX. They offered a XXXX day pay off option. I set the payment to debit at the due date and waited for the remainder of the payoff after already paying off more than half. 
They did not try to collect the funds per XXXX XXXX XXXX XXXX and my statement that was on the attached. 
I submitted them this documentation and they are saying they attempted and the bank returned the payment. 
My bank told me that every attempt would at least show on my statement and they are not telling me the truth. 
They will not honor the XXXX day purchase option and are trying to collect over {$1200.00} more from me now. 
They are trying to scam me and overcharge. It is hard being poor and these people pray on XXXX folks who are struggling and trying so hard.
Product: Student loan

Up until last year I was under the impression my student loans through Zuntafi were deferred due to XXXX. I later found out since it is a private loan that is not the case. I reached out to Zuntafi in XX/XX/2022. I was offered the reduced settlement offer of XXXX instead of the XXXX. Other offer I was offered was 3 payments of the past due amount of XXXX. If I accepted the 3 payments they would continue to report me as late until all 3 payments were made. I mentioned this was not fair when I was making an attempt to get this taken care of. I found a company that specializes in student loans called XXXX for people with tarnished credit. They offered to pay off my existing loan and I agreed. I was making regular payments to XXXX and was still being harassed by Zuntafi to make a payment. I found this quite odd. I received a rude phone call from XXXX XXXX stating they don't due settlements. I can either pay Zuntafi the reduced settlement of XXXX or they will offer the same settlement offer to XXXXI later found out XXXX is actually a debt settlement company that specializes in defaulted student loans. I contacted XXXX and am receiving no response from them after paying them for 3 months. I closed the checking account that I had my payments taken out of that was used to pay XXXX. I then wrote Zuntafi a letter asking to pay off 2 of the 4 loans ; ( one for XXXX and the other for XXXX ) for the full amount due if they agreed to remove all late payments or delete the account completely from my credit report. Zuntafi refused and that any payment would be applied to past due amount, late fees, collection charges would still incur and I would be reported late. I think my request is a fair request. Full payment for what is due. It is not fair to hold my personal credit for ransom when I'm working to get it fixed. You can only imagine damage 4 late payments per month for the last few years has done to my credit.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$790.00} XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance XXXX {$790.00XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On the morning of XX/XX/2021, I decided to look at my credit score on XXXX XXXX. After logging in, I noticed that my Transunion score went down by 23 points. When I investigated this, I found that an account was reported to collections from some company called XXXX XXXX XXXX XXXX in the amount of {$930.00}. I contact them and they claim that it is from a XXXX XXXX account that I once owned. I have not had a XXXX XXXX account in over 20 years and was never delinquent. When asked to validate the debt, they refused. I want this removed from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, These loans were. 
Originally taken out under false pretences. At the time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

To attend college, it is one of the apartments that you prove you have received XXXX XXXX XXXX XXXX XXXX XXXX 

I submitted XXXX XXXX XXXX # XXXX, And when I spoke with someone they said that they had six years to review my case. This loan has been on my credit account for over ten years and can Take another 6 to decide to remove. 

When this loan was originally applied for, Whoever was doing the intake information Failed to do some verification. I never received a XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I am currently in the process of getting my XXXX XXXX only one of the four tests have been passed. 

Therefore the loans received for college that I never had permission to be enrolled in, Are negatively effectiving My ability to obtain credit.
Product: Checking or savings account

While using cash app in 2024 I was scammed for my money {$1000.00} while purchasing a vehicle online and cash app would not do anything to help get my funds back to my account they only ordered that I could only file a report with my local police department
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from Credit Control Corp which dropped my score significantly. I have received no phone calls or contact via USPS Mail to confirm this collection is mine or valid ( which is not ) prior to it hitting my credit profile with the bureaus Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. This collection must be removed from my credit promptly due to erroneous collection practices.
Product: Debt collection

I received a letter from ONLINE INFORMATION SERVICES and they alleged creditor is XXXX XXXX XXXX XXXX XXXX XXXX. They stated in the letter this was a attempt to collect a debt. According to federal law I'm not obligated to any debt in which, I responded to them in a affidavit of truth. The balance was shown in the positive for {$120.00} and I know I can not pay on a positive. This was a consumer credit transaction so I have no debt owed. They also were in violation of the federal laws and they have received my invoice for that.
Product: Mortgage

I am being reviewed for a short sale since XX/XX/XXXX an entire YEAR! with the same buyer. I have submitted all documents requested by the lender. I have an assigned representative XXXX XXXX p # XXXX ext XXXX and I believe the processors name is XXXX XXXX XXXX I have been emailing with and has now stopped answering my emails in regards to the postponement of the sheriff sale date scheduled for XX/XX/XXXX. I have called the assigned representative XXXX XXXX and have left several messages for an update and he NEVER called me back. After being transferred around for 40 mins I finally spoke to a representative today XXXX ID # XXXX who informed me that the sale date will not be postponed because it was postponed 4 times in the past and the postponement department says it does not meet the criteria. I have a valid offer on the property, I submitted documents on time when requested and they are refusing to review it because they dont want to postpone the sale date again. The have mismanaged my file and that is not a valid reason to remove my file from a current review for a short sale because they just want to wait. They have wasted the buyers time and everyone involved.