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

XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Authorized User Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon.
Product: Consumer Loan

I paid the XXXX 2 months of the car loan when I purchased the car. I then completed the form as instructed by the Bank of America to set up automatic payments on each month on the XXXX of the month. The bank denied this request and I had to seek resolution from a supervisor to get the direct payments authorized. I was not made aware of the problem for 2 months. When I learned of the issue I immediately paid for 2 months due AND 2 months forward. After speaking to a representative I was assured that this would NOT affect my credit report and was NOT on my account. 
This is NOT an error on my part and as a consumer I did exactly what the bank said to do when they said to do it and now my credit report is damaged and I am unable to get a home equity line of credit. The line of credit is required to pay for outstanding expenses related to XXXX XXXX and XXXX that have cost me thousands of dollars. 
As a result of this I am asking the bank and or credit bureaus to remove this information immediately. I have also retained a lawyer and would like your assistance to sue all parties that are involved with the negative rating and impact of my ability to secure the loan. I would like to get this resolved and if not then someone rather than the consumer who has and is acting in good faith. 
XXXX XXXX XXXX Bank Of America Auto loans.
Product: Debt collection

I was contacted on XX/XX/XXXX by XXXX regarding the cancellation of internet service with XXXX XXXX, which I paid for when breaking contract back in XX/XX/XXXX- XX/XX/XXXX. The woman informed me I owed {$99.00} still. I told her I never received such a bill from them. She said she would check on it. In the meantime, I contacted XXXX, and they told me I had paid everything and was current on my account ( I still have phones with them ). I received a XXXX call on XX/XX/XXXX stating that if I did not pay the {$99.00} it would go on my credit bureau. I asked again for them to send a bill. She said she sent it to an address I 've never had, and that if I wanted it, I would need to write them a letter and send {$10.00} and request the letter be resent. They gave me the claim number of # XXXX, and again, they told me that if I did not pay this would affect my credit bureau. I 'm at a loss. XXXX says I am clear, and Aldous is telling me I need to pay money to receive a bill. Please help.
Product: Debt collection

Took out loan XX/XX/2015 for XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX XXXX XXXX sent me a credit card, which I never applied for, charging the XXXX 'XXXX  RENEWAL FEE, ( {$57.00} ), BANK INVOLVED XXXX-My XXXX XXXX XXXX Mastercard I made a telephone call to XXXX XXXX, I was told that this matter would be resolved in three business days, I was provided with a ticket number XXXX, my membership was not renewed, ID cancelled, I had a guagantee on 4 tires installed 10 months before one got damaged, and they refused service because I did not pay the renewal fee. On XXXX I tried to find out what was going on and they told me that no information was available because the account was closed and sold to MIDLAND CREDIT MANAGEMENT, latter I have received a letter from this company I contacted them on the phone and latter by mail, first call on XX/XX/XXXX, last mailing was recived by XXXX XXXX on XX/XX/XXXX, I spoke to XXXX XXXX to dispute this debt, I got a reply stating that they have reached the conclusion that their records were correct. I am a XXXX years old man this is given me emotional duress, this is a matter of principle, you must investigate XXXX 'XXXX practices to collect renewal fees, also the 2 banks involved : XXXX XXXX XXXX  and Midland Credit Management.
Product: Debt collection

Received a call from a XXXX XXXX working for Nationwide Itermediary Services LLC who stating his firm has been retained for a pending lawsuit against me regarding a debt. He then called my Mother stating that he had spoken to me and that I told him to call her to " save my hide ''. If she paid via credit card today, they would cut the debt, but if I called, I would owe the entire amount. I then called him and requested a validation of debt via mail. He said it takes too long and he would be on his way to the court house in 30 minutes if we did n't resolve immediately. He stated he is a XXXX and I would have criminal charges against me for check fraud and suspend my drivers license. I told him I was working with XXXX XXXX XXXX and he said not to deal with them, they are a scam. He then sent me an e-mail with information regarding the debt and gave me 30 min to call back. I back tracked the debt and contacted XXXX XXXX XXXX who now owns the debt, but outsourced it to another party, which turned out to be Nationwide Intermeidiary services. She stated nobody was going to a court house and stated to call them back and request a manager to send me the validation via mail that I was entitled to. I called the number she gave and the person who answered the phone answered " XXXX ''. I said Who?? and she back tracked it realizing she should n't have said that. She immediately transferred me, but I hung up and contacted XXXX XXXX XXXX again and explained what happened. They were not pleased this happened and called Nationwide to figure out what was going on. She then apologized and asked me to call back and a manger was waiting for my call. I called back and XXXX XXXX immediately answered flustered. He said he did not know what happened when the other person answered the phone, but they should n't have said that. He said the lawyers are now on the floor and that person is packing their bags. He said he would cut some more money off the debt for my trouble told him I was livid and I wanted validation of debt via mail. He stated if I did that, then I would owe the whole amount and would just hang up, which he did. I re-contacted XXXX ( who was very helpful ) and they started an investigation. They told me not to talk to that company anymore and they would pull it back to handle the debt. She then stated she would send me out the validation of debt. XXXX XXXX attempted to call one more time, but I did not answer. I spoke to my Mother again and stated he had called her asking to pay the debt again, but she told him he was a fraud and hung up. He shared debt information with my Mother including who I owed and the amount. He tried to solicit money off of her, which she almost did out of fear. My stomach has been in knots all day at work trying to deal with these people and their tactics.
Product: Credit reporting or other personal consumer reports

These inquiries was created on the listed dates and is not a open account on my credit 15 usc 1681b permissible purposes please send me the documentation that u have use to open these 3 accounts and the documentation with my signature on them that i applied for these accounts XXXX XXXX XXXX.
Product: Credit reporting

Equifax continues to not correct information on their version of my credit report. I have tried for years to get this corrected. It seems as though their online system is taking your dispute but then nothing ever happens. I have contacted the financial institution to have them update the information about their account with me, and nothing ever changes.
Product: Mortgage

My property of XXXX XXXX XXXX XXXXXXXX MD XXXX  was in foreclosure and I was a defendant for Case Number : XXXX at XXXX XXXX XXXX XXXX XXXX XXXX I made several calls between the representing XXXX XXXX XXXX XXXX  and the courthouse about the court process and requested documents all without success. In XX/XX/XXXX, I was able to get some information from MD Case Search and saw two affidavits of service file dates ; XX/XX/XXXX and XX/XX/XXXX. My son, XXXX ( XXXX  at the time ), and I were living in the home and didnt receive services. Covid-19 laws were in place to buy me some time since I didnt get any answers from the court clerks. They only referred me to call the representing lawfirm and vice versa. I called the XXXX XXXX XXXX XXXX XXXX and finally decided to sell my home while the market was so high. My house sold on XX/XX/XXXX and the XXXX motioned the case be closed on XX/XX/XXXX. I spoke with XXXX XXXX during and after this process. I wasnt aware foreclosure started as I submitted mediation papers with XXXX XXXX prior. They now state the papers were never received. I spoke to them about the reimbursement of foreclosure costs as well. After the house sold, I received the proof I was requesting all along from the lawfirm. If the sheriff checked photo identification, the address would not have matched the address of service. According to the court filed document, XXXX XXXX signed and accepted the documents to start foreclosure stating he was a resident and his relationship status to me is my son. As I stated earlier, I have XXXX XXXX son and no one else lived with us. Im requesting the fees and court costs be reimbursed to me. Im unable to file any motion to the courts and when I consistently called with questions on what steps to take, I received no assistance.
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US DEPARTMENT OF AGRICUL : # XXXX, US DEPARTMENT OF AGRICUL : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

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, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, XXXX, Account name : XXXX XXXX XXXX XXXX  # 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 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

On XX/XX/XXXX, I filed a police report stating that i was the victim of identity theft. I then forwarded a copy of the identity theft police report too the credit reporting agencies XXXX XXXX, Equifax, and XXXX and requested that they deleted the fraudulent accounts and I requested a updated copy of my credit report Equifax and XXXX failed to respond to my request. Then re-sent them the letter with copies of the identity theft reports in XXXX and XX/XX/XXXX and again they never responded. I received a response from XXXX XXXX and they refused to delete the information stating that XXXX Americans are always breaking the law and that XXXX people cant be believe and they refused to remove the contested information. I am now requesting that your agency conduct a investigation and order all three credit bureaus to remove the contested information. Thank you for your time. Additionally at the time that the accounts were opened I was XXXX in New York XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written ainstructons 1 U.s.C 1681c. ( ax ) section States : no consumer reportina agency mav make anv consumer report containing anv of the followinc Items or information Any oter adverse item or information, oter than recoras or convictions or crimes wnich antedates the report by more man 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 or other personal consumer reports

Citicards cbna I am writing to dispute the accuracy of the information reported to your bureau regarding the above-mentioned account. The account was opened on XX/XX/2021, but I did not use the card or incur any charges. 

Despite my inactivity, the account has been sent to collections, which I believe is an error. I request that you investigate this matter and take the following actions : 1. Verify the accuracy of the information reported by Citi. 
2. Remove the collections status and any associated negative marks from my credit report.

3. Update my credit report to reflect a " closed '' or " inactive '' status for this account. 

Please investigate this matter and correct my credit report accordingly. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried talking to equifax about items on my credit file that dont belong to me and they keep giving me the run around i even hired a lawyer to help me remove these items off my credit file, i just cant deal with equifax any more so im here with my complaint..please help.
Product: Debt collection

Receivables Management Systems is violating my federally protected rights as a consumer. They have also violated many laws according to FDCPA. I have attached exhibits as proof of these violations. I do not know who these people are. The first letter looks like an edited document so this could come from anyone. In the same letter, Receivables Management Systems makes it seem as if they have some authority regarding identity theft when they do not. I do not know these people. I have made my report with the proper entities in regards to identity theft and provided each credit reporting agency the necessary documents needed for a consumer reporting agency to block information. Who are they to ask me for additional information that is not required under federal law? These letters do not prove that I owe an alleged debt nor does it show that I ever done business with them. How does an application for insurance validate or even verify an alleged debt? How is it possible for an insurance company extend credit? This makes no sense and clearly is an unlawful practice to collect a debt on something I do not owe. This needs to be removed an deleted immediately.
Product: Bank account or service

This is also applicable to Credit Cards. I have a Debit Card with Zions Bank. I planned to travel overseas, but have cancelled my trip because of the blatant fraud. I went to my bank to find out terms for ATM withdrawals and purchases overseas. I was told 3 %, which seems to be standard, and not ( necessarily ) a problem. I asked for the procedure for Currency Conversion. Never heard of it. Technically, it 's called the spread, and one pays half the spread on buy and half on sell. 20 years ago when I traveled for business I used my US Credit Cards because I was simply charged the spread, no additional charges. Spreads on quality Forex, such as XXXX, are XXXX %, meaning one pays an XXXX % " penalty '' fee to buy. Spreads on currencies that devalue fast or are not in demand, are XXXX %, meaning one pays a XXXX % " penalty '' to buy. Both are acceptable. When I pushed my bank, all they could do was quote me the current exchange rate on the particular currency at this very moment. That turned out to be XXXX % penalty, plus XXXX % fee = XXXX %. That 's highway robbery. 

But my bank is not unique. XXXX XXXX did the same, having not educated their workers on the spread. Never heard of it, he said. All they could do was quote me the current exchange rate on the particular currency at this very moment. That turned out to be XXXX % penalty, plus XXXX % fee = XXXX %, also highway robbery. 

There are online discussions where people boast of a XXXX % fee, or no fee, as compared to the standard XXXX % fee, and they have no idea they are paying an additional XXXX-XXXX % penalty of their money in conversion, because they 've never heard of it, because it is not part of any agreement or discussion. 

I asked Zions for my bankcard agreement. It says XXXX %. Nothing else. No word on the spread. THAT 'S FRAUD. 

For comparison XXXX converters at airports take XXXX-XXXX %. but you are a one-time customer and they have a monopoly. 

XXXX banks play the same game. My last trip turned into a disaster, not because I did n't arrive with sufficient funds, I did. But the local bank extracted XXXX % of my money in the exchange. So I ran out of money a month before my departure date, could not pay the {$200.00} fee to change the ticket, and so ended up begging in Malls XXXX for food and sleeping illegally in those same Malls because they had security, who would look for me to throw me out. So long as I eluded them I had a safe place to sleep. I found out that they would never look behind the grocery carts. Yes, I slept on the ground outside. I did that for a month. Never again. 

Solution is easy. Make banks state the fee and the spread on their card agreement for all Forex transactions, and if ATM withdrawals are different from charges, how so. 

If you know a bank I can do business with, please let me know. If i have to pay a XXXX % fee, then i agree to no more than a XXXX % spread, meaning I pay XXXX % worse than spot ( current trading price ) to buy Forex. Or no fee, and a XXXX % spread, meaning I pay XXXX % penalty of Forex. That is, my total limit on losses is XXXX %, I prefer less, but I 'll agree to XXXX %.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding incorrect information on my credit report as reported by your agency which are XXXX, Experian, and XXXX. I have identified multiple late payments attributed to my accounts with XXXX XXXX, XXXX Bank, and the Department of Education. I have already contacted each of these lenders, and they have advised me to reach out to you to have these inaccuracies corrected. 

Under the provisions of the Fair Credit Reporting Act, specifically 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless they have implemented reasonable procedures to ensure that periodic statements are provided to the consumer at least 21 days before the payment due date. Additionally, according to 15 USC 1681i, no person shall furnish information relating to a consumer to any credit reporting agency if they know or consciously avoid knowing that the information is inaccurate.

Despite my previous correspondence with your bureau regarding these inaccuracies, the late payments remain on my credit report, adversely affecting my credit score and hindering my ability to secure housing for my family. I am requesting that you promptly investigate this matter and remove these erroneous late payment entries from my credit report.

If this issue is not resolved in a timely manner, I will have no choice but to pursue further action, including filing a lawsuit against your bureau for the reporting of inaccurate information on my credit report. 

Thank you for your attention to this matter. I expect a prompt response and resolution to my complaint.