23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AMERICOLLECT INC ACCOUNT NUMBERs:XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 



Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit 1. The following personal information is incorrect Account Number : Date of Birth : XX/XX/XXXX 2. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX WY XXXX, NC XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 9. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX 11. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX 12. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX 13. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 

16. XXXX Account Number : XXXX Please remove it from my credit report. 

17. XXXX  XXXX  XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

18. COLLEGE FOUNDATION Account Number : XXXX Please remove this inaccurate information from my credit report. 

19. COLLEGE FOUNDATION Account Number : XXXX Please remove it from my credit report. 






Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Product: Credit card or prepaid card

My prepaid debit card with American Express prepaid debit card was funded by my Social Security Income with backpay of XXXX XXXX I was hospitalized from XXXX and during that time there were numerous ATM withdrawals of XXXX $ and XXXX $ at various locations. These were not authorized by me and I don't know who withdrew the money from my account. I already reported it to the bank and they denied my dispute. They want me to request in writing how they reached their conclusion of their investigation.
Product: Credit reporting or other personal consumer reports

EQUIFAX has failed to comply with my request to present some proof that I am the person liable for the items being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of Identity theft. However, I have never received any documentation to prove that their investigation is correct. FTC complaint is being attached to prove that I had made some necessary actions considering my rights. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX 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.

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

I sent a dispute letter to XXXX Experian and XXXX  to remove a XXXX XXXX XXXX XXXX XXXX Missouri address because it is inaccurate it is missing an appartment number therefore it is inaccurate and they are doing nothing to help
Product: Credit reporting or other personal consumer reports

I do not recognize this address please remove. Thank you XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have a bankruptcy that does not belong to me removed from my credit report. However Transunion continues to report the bankruptcy and stated that it had been verified by XXXX XXXX. Although XXXX XXXX has deleted this information from their files because it was not my information. So how is it possible that Transunion verified this information with XXXX XXXX.
Product: Debt collection

XX/XX/XXXX, I wrote a goodwill letter to forever21 politely asking to remove the delinquency from my credit report. It was hand written and sent out never to be heard from again. I am quite certain that this has been an ongoing negative check on my credit since XXXX  not allowing my score to increase as I have been working towards a better score for the last few years. This company is bankrupt and out of business in many locations, and to still have such a negative effect on my credit is reprehensible. Please help me resolve this matter ASAP.
Product: Checking or savings account

disputed two fraud claims with them. XX/XX/XXXX and XX/XX/XXXX. one for XXXX first one was from XXXX and the other for {$320.00} from an atm withdrawal totaling XXXX they claimed there was no fraud on either but never even investigated it or given me a provisional credit. meanwhile i appealed the first one they closed it same day then sent me a letter claiming since i said i didnt authorize the charges. they sent me a letter claiming to close my debit card. due to me reporting that my account had fraudulent activity and they did nothing
Product: Debt collection

I have attempted to contact Portfolio Recovery many times with no follow or success. They refuse to validate the debt they are saying is owed. They state they are collecting on behalf of XXXX XXXX. I currently have a XXXX XXXX credit card so it makes no sense to have a current account but they are saying this account is from 2014 which is not true. This is not my account. Maybe it was my ex-husbands account but yet they refuse to send me proof that it is my account. I even sent a certified letter to reach an agreement to get this off my credit. This is keeping me from purchasing a vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I mailed dispute letters to XXXX and Transunion to remove accounts listed below for inaccurate information its been more than 30 days and that violates my fair credit rights. especially section 609. can you please make them delete these items from my report for violating my rights and reporting inaccurate Information. 


XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Mortgage

I am writing to file an official complaint with your agency about my mortgage servicer ( Seterus Inc. for my XXXX owned mortgage ) for what I believe to be : A.Violation of Federal Mortgage Servicing Rules As They Relate To Loss Mitigation Procedures. and ; B. Violating Federal Laws as they relate to responding to 'Qualified Written Requests as defined in RESPA , 12 U.S.C. 2605 ( e ) ( 1 ) ( B ). 

I believe that Seterus Inc may be in Violation of Federal Mortgage Servicing Rules As They Relate To Loss Mitigation Procedures for the following reasons : On XXXX XXXX, 2016 I sent a fax requesting loss mitigation/hardship assistance was sent to Seterus, Inc. to which I received no response ; on XXXX XXXX, 2016 I sent a follow-up fax to the XXXX XXXX, 2016 fax requesting loss mitigation/hardship assistance to Seterus, Inc. due to their failure to respond to my XXXX XXXX, 2016 request. To date it has been 43 Days since my first request for assistance on XXXX XXXX, 2016. 

With respect to my second allegation, I believe that Seterus Inc may be in violation of Violating Federal Laws as they relate to responding to 'Qualified Written Requests as defined in RESPA , 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) for the following reason : On XXXX XXXX, 2016 I sent what is deemed to be a 'Qualified Written Request - QWR ' to Seterus, Inc via facsimile to which they never responded or provided me with the information requested. 

Note : Copies of all relevant back up documentation are attached.
Product: Credit reporting or other personal consumer reports

XX/XX/ Opted-out third party reporting & Credit Reporting Updates . Transunion, XXXX XXXX XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Specific incorrect information incorrect name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - please remove all incorrect date of birth Non-Mailable addresses incorrect previous addresses incorrect Nonpublic Previous employers incorrect non-matching account XXXX XXXX  incorrect Non-matching account types incorrect Non-matching account type - detail incorrect Non-matching bureau code incorrect Non-matching account status incorrect monthly payment incorrect Non-matching Date Opened incorrect non-matching balance incorrect No. of Months ( terms ) incorrect non-matching high credit incorrect non-matching credit limit incorrect non-matching past due incorrect non-matching payment status incorrect non-matching last reported date incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment incorrect non-matching two-year payment history
Product: Mortgage

SunTrust bought my mortgage from XXXX Mortgage and the provided no information about the new mortgage ( mortgage number, payment options ). Their first communication to me was to tell me my payment was late and they were unable to offer ability to pay the mortgage online. Their customer service had long wait times and could not take a loan payment over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX XXXX Balance : {$4100.00}, CHILD SUPPORT ENFORCEM XXXX Balance : {$6600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00}, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I signed up for a Citi ACCELERATE SAVINGS account from a link provided on the Citigroup website. The offer was for a {$450.00} bonus if you deposited a certain minimum amount and maintained that balance for 6 months. I met all the criteria required. When I initially called to enquire about the status of the bonus, I was told I DID qualify and the funds would be paid XX/XX/XXXX. Now, they are saying I do NOT qualify, and that I need to provide them the promotion offer code. I do not have a code since this was offered to me via their website. I acted in good faith and met all the requirements. I feel this is a very misleading business practice and unfair to consumers.
Product: Money transfer, virtual currency, or money service

Since XX/XX/2022 Venmo has frozen my account without notice after an error occurred within the app when I tried to add a new bank account ( the error was on their end, not mine, and I assume it has something to do with the API they have with XXXX  ). The total amount they are currently withholding from me is {$740.00} and will not let me take the money out of their app/account. I have tried contacting their customer service department multiple times and they tell me there is nothing they can do. Per their website, I should have received an email to work with a representative to get my account unfrozen. I never received an email and it is still frozen due to an error on their end. I called PayPal to figure out what is going on and they told me my best option is to file a formal complaint here. At this point, I want nothing to do with Venmo and would like to get my money out of it and close my account for good. This app was how my partner and I would split bills, and we really struggled to pay our mortgage this month because such a large amount of my money was withheld from me. Luckily, we are fortunate enough to have people in our lives that were willing to help, but imagine if we didn't. I am hoping that by making this complaint I will prevent someone less fortunate landing in this same situation. The last person I spoke to at Venmo said it could take up to three weeks to get an email ( after the first person I spoke to said it would take 6-7 days ). I don't know what else to do, this is my last resort.
Product: Credit reporting or other personal consumer reports

I have adverse accounts on my report due to XXXX XXXX. 
I sent a certified letter to Experian XXXX XXXX. 
Experian received it on XX/XX/2024. 
According to section 605C of the Fair Credit Reporting Act, Experian has to block this information from my credit report within four business days or at least contact me and let me know if there is a problem. I had heard nothing via email or mail from the company. 

Experian is making everyday consumers that suffer from XXXX XXXX  suffer more by reliving this experience over and over when I have to keep calling and wondering how my life will be altered by their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX My credit began to loose points for unknown reason. I contacted EQUIFAX 10 times online, to know the reason of the lost. I have 10 confirmation numbers in proof of my requests. The last one suggested me to chat online. I have 4 transcriptions online saying, they can not help. I spent over a month trying to get an answer, but EQUIFAX customer service was unable to provided me with an answer. 
I run my credit on XX/XX/XXXX and my credit scores were correctly reported. I did again on XX/XX/XXXX ( I didn't requests any credit or did nothing financially that can be considered to lower my credit scores ) I requested 10 times in writing an answer online and called over 7 times. But I can show transcriptions that looks as games.. EQUIFAX customer service is one of the worst humiliating experiences I have in this area. Please help me, I need to know the reason why my credit is loosing points. I work very hard to keep an outstanding credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXXXXXX XXXX  processed by ReadyCapital has been reported as delinquent to XXXX, after I filed a complaint with the XXXX XXXX XXXX because the loan name is not my name. It looked like a fraudulent transaction between some loan processor and ReadyCapital, under the label of XXXX. I requested XXXX to fix it, but XXXX said that only ReadyCapital can do it. Despites of letters, and many calls that were never answered the problem persists. Even the XXXX XXXX of XXXX did not answer my complaint. I do not know many cases are like this, but this is affecting my credit.
Product: Credit reporting

I disrupted all on my credit I did n't recognize on equifax rep ort .I call  them also.Iam a victim of identity theft notified by the  Us  Department of justic e case  #  XXXX  They caught one per son using my information. But equifax told me to file a police report. I have proof that my identity was stolen by the letter from the Department Of Justice.
Product: Checking or savings account

In XX/XX/XXXX a fixed term CD was opened with bank of America in which my child support was being held. I was XXXX XXXX XXXX at the time and the maturity date was set for XX/XX/XXXX which would have made me over XXXX XXXX XXXX. I was never notified by my guardians of this account that was solely in my name and someone closed the account other than me. I am holding bank of America responsible for unlawful release of my funds. And would like to file a lawsuit on whomever walked in that day and closed it. On XX/XX/XXXX it had {$12000.00} at a 2.6 % interest compounding monthly.
Product: Checking or savings account

I called American Express to get more information on a CD. During the call I was told everything could be done quickly and easily online.I specifically asked about interest distribution to my savings and was told everything can be completed online. So XX/XX/year> I opened and funded my CD online quicky found out I can't set up the interest to savings online. I talked with amex supervisor XXXX who said it's not possible I have to print a form, fill it out, scan it, email it back. I have multi CDs and most banks can handle this with a simple call or even a simple online setting. At that time I asked to just close it being that it's only opened a few hours.XXXX  advised I would have to pay a {$500.00} penalty. I was given inaccurate advise which shouldn't cost me XXXX. I feel they are using deceptive business practices to being in new costumers who can't leave without punishment.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX| Date of inquiry : XX/XX/2023