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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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. 


In accordance with the Fair Credit Reporting act XXXX Account  # XXXX, 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.
Product: Credit reporting or other personal consumer reports

DELETE, CEASE AND DESIST ALL CREDIT REPORTING USING ALL CREDIT. 
This notice is to inform you that you unlawfully reported fraudulent accounts and inquiries that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC $ 1681b ( c ) Furnishing reports is connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of accounts and inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :
Product: Credit reporting or other personal consumer reports

My credit report lists unauthorized inquiries under 15 USC 1681c-2, and these errors are hurting my credit. I request the removal of all such inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a collection on my account that I've never had in the first place. I personally paid XXXXXXXX XXXX XXXX {$88.00} to the company myself and it was never in collections. I tried disputing this with equifax because they are reporting this as a collections account and that is incorrect .They did not not fix it after the investigation and are not allowing me to dispute it again or do another investigation. Again, I have never had a collection with XXXX XXXX i have never paid a collection agency with XXXX and equifax is refusing to correct it on my credit report.
Product: Debt collection

Consumers ( XXXX XXXX and XXXX XXXX ) excised their right under the FDCPA secton 809 requested in writing a letter of Validation of debt to NATIONAL CREDIT SYSTEMS defined as a debt collector under the FDCPA and Person under FCRA. The first letter of validation of debt was sent XX/XX/XXXX to debt collector ( NATIONAL CREDIT SYSTEMS ) requesting the original signed contract the original signed security agreement and requested proof that Persons ( NATIONAL CREDIT SYSTEMS ) is in fact an license XXXX XXXX XXXX XXXX XXXX ( XXXX ) and has the legal right to collect debt. Months has went by and the Person ( NATIONAL CREDIT SYSTEMS ) has still not provided any documents requested in the letter of validation of debt therefore the debt is unverified. According to the FCRA section 609 the consumers XXXX XXXX and XXXX XXXX exercised their rights to request further information about the item on credit report ( which is defined as consumer report under the FCRA ). Further information request was for the original sources of the information reported including but not limited to the Original signed contract and the original signed service agreement. XXXX  ( defined as consumer reporting agency under FCRA ) has not done a proper investigation behind the person ( NATIONAL CREDIT SYSTEM ) claim nor provided the consumers ( XXXX XXXX and XXXX XXXX ) the required documents requested within their rights under the FCRA Section 609. The person ( NATIONAL CREDIT SYSTEMS ) continues to be non compliant to the FCRA by false publication of  unverified debt the consumer reporting agency and has caused damage to both Consumers ( XXXX XXXX and XXXX XXXX ) consumer report ( Credit report ). 
XX/XX/XXXX The consumer ( XXXX XXXX ) spoke to XXXX XXXX an manger at persons ( NATIONAL CREDIT SYSTEM ). When asked was there any Original signed contract or Original signed security agreement. XXXX XXXX stated that she does not have to provided the information and that she will continue to report the item until the alleged debt has been paid. XXXX XXXX employed at person ( NATIONAL CREDIT SYSTEMS ) has made a threat to continue to report unverifiable debt to the consumers ( XXXX XXXX and XXXX XXXX ) consumer report. The behavior and action of both consumer reporting agency ( XXXX ) and Person ( NATIONAL CREDIT SYSTEMS ) is a violation of the rights of the consumers protected under the FCRA section 609. The alleged item is to removed from both consumers ( XXXX XXXX and XXXX XXXX ) consumer report immediately. The following documents attached are correspondence sent to both consumer reporting agency ( XXXX  ) and Person ( NATIONAL CREDIT SYSTEMS )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.
Product: Debt collection

I sent out XXXX letters asking the debt collectors to validate this debt I havent gotten any response. The only thing I keep getting in the mail is how to pay it. They stated they couldnt sue me because it was so long ago but I dont have proof or knowledge of this debt
Product: Debt collection

A lady called me XX/XX/2019 at XXXX saying " this is a recorded line, is XXXX XXXX there '' and I asked who was called and she said ERC . I asked what is was for and she said there was a few things in her office she would like to resolve with XXXX. I told her I am his wife and what was it that she was calling about. She then said she could only tell my husband. I told her that this was not his phone number it was mine. I gave her his phone number and she asked when the best available time to call was. I said evening. So she didn't tell me much about the company or why she was calling. It was very suspicious to me. This is the second time they have called me from 2 different numbers. First time I got a voicemail from a lady named XXXX it was on XXXX XXXX at XXXX asking for my husband and then they hung up realizing they were on voicemai. The first number they used was XXXX. The second attempt to call was from a different number ( XXXX ) XXXX.
Product: Debt collection

I went to the ER in 2010 at Florida Hospital in XXXX Florida. I provided them with my medicaid card ( XXXX coverage ) and also my XXXX XXXX XXXX card. Hospital billed XXXX but failed to bill medicaid for the remainder ( as per the XXXX implemented by medicaid. ) Hospital sold account to a Debt Collection company. I called them and sent them documentation from XXXX and Medicaid showing I was covered and should have never been billed, as well as letting them know that per medicaid they would pay the bill -however they are not allowed to pay a third party. They became rude and refused to submit the bill back to the hospital for it to be paid by medicaid. They continue to state this is debt I owe them and I dont. Please help.
Product: Student loan

Today I received an email-the first one I have ever gotten from FedLoan-stating that I owed nearly {$500.00} on XXXX, XXXX, this upcoming Monday. I logged into an account created with my social and it showed that I had a XXXX balance. I then called their help line who informed me that the loan was in my mothers name. From there I was told all of the bills had been going straight to her account, but oh wait! She never created an account so she should do that in order to view the bills they have been sending and check the balance. After following their online sing up instructions, my mother received an error stating that she was banned from online access. I have no way of finding out what this balance is, let alone where and when it is from because no one at FedLoans will give me any answers. I can not even make a payment, something that I will not do until I receive the documentation of what it is, because we can not even create an account. I have been attempting to receive answers all day but, their customer service is little more than " make the payment and then we 'll figure it out ''.
Product: Mortgage

When I received my Annual Escrow Account Disclosure Statement dated XX/XX/XXXX, I noticed an error on it. The statement said that the lender would be paying my homeowner 's insurance via escrow in XX/XX/XXXX, and as such, they were increasing my monthly escrow payment from $ XXXX to $ XXXX. This was a mistake, because I have always paid my homeowner 's insurance myself and only escrow for property taxes, so I called the lender and spoke with someone in their XXXX XXXX. The person I spoke with was very rude and spoke to me like I was stupid and incapable of reading a financial statement. I kept pointing out to her that I do not escrow my homeowner 's insurance, and she kept insisting that the escrow increase was due to my property taxes, even though the disclosure statement clearly stated that escrow was increasing as a result of the insurance payment. Finally, she referred me to the lender 's XXXX XXXX. When I called their number, I spoke with someone who was surprised that I had even managed to speak with someone in Escrow, as apparently, XXXX is not supposed to be able to speak with them directly. The person in XXXX was helpful and stated that the change in escrow amounts was an error and that it would be corrected. I then received an amended XXXX XXXX Account XXXX XXXX dated XX/XX/XXXX, which on casual glance, looked like they had corrected the mistake and there would be no change in my monthly payments. But when I called the automated telephone payment system to make my XX/XX/XXXX payment, I was alarmed to discover that my XXXX bill reflected an escrow increase from $ XXXX to XXXX XXXX, as if the resolution I had reached with the lender 's Insurance Dept had never XXXX XXXX. I selected the option to speak with a customer assistant, who also was quite rude to me. She stated that my monthly payment would return to normal in XX/XX/XXXX, but my XX/XX/XXXX payment would still be the amount stated in the XX/XX/XXXX XXXX XXXX XXXX. When I pressed her as to why, she could not provide a valid answer other than it is that way because the lender said it was that way, so I was forced to pay {$240.00} more than I owed. When I asked how I could get that refunded, she replied that, if I am owed a refund, I will be notified when I receive my next Annual Escrow Disclosure Statement in XX/XX/XXXX - in 10 months! So, basically, my lender charged me extra for my XXXX mortgage payment simply because they said they could, and they are going to unjustly hold onto my money for nearly a year before they will consider refunding it to me. I consider this unethical, because the increased monthly payment only came into existence because of an error on the lender 's part, which their XXXX XXXX acknowledged and said would be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting Transunion multiple times about how I can't pull a credit report through their services. I am able to get my credit report through XXXX   and XXXX  without issue. 

I have called multiple times to be told that the issue is with my bank reporting my information to them, however, this is false because I have credit cards with two banks and student loans through a different bank. 

I have sent requested documents verifying my identity only to receive additional letters asking for the exact same information, despite me including this information in my complaint. 

They closed my investigation and I still do not have a credit report through them. THhis is my second CFPB complaint with Transunion.
Product: Debt collection

I ORIGIN THIS DEBT WITH XXXX XXXX WHICH I HAD BEEN IN TOUCH WITH XXXX  DISPUTING THE AMOUNT AFTER COMING TO AND AGREEMENT OF AN AMOUNT THEY THEN SOLD IT TO A COLLECTION AGENY XXXX THE NAME OF ANFI AND I HAVE SENT LETTERS TO THEM ASKING THAT THEY VALIDATE THIS ACCOUNT AND REMOVE IT FROM MY CREDIT. IT IS LISTED ON CREDIT AS AFNI INC ( ORIGINAL CREDITOR : XXXX ) IN COLLECTION AS DEROGATORY, DATE OPEN XXXX FOR {$1200.00} LAST REPORTED XX/XX/2020 DATE LAST ACTIVE XX/XX/2020 WHICH THE OPEN DATE AND DATE LAST ACTIVE THE SAME
Product: Credit reporting or other personal consumer reports

I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

There is no legally admissible evidence to verify the accuracy of what IC System INC : Opened : XX/XX/year> # XXXX is reporting {$XXXX} collections on my credit files, and this debt collection agency have not validated pursuant to the requirements of the FCRA XXXX I am complaining about the impermissible access of my credit report by IC System INC, in direct violation of the FCRA. I have discovered that the IC System INC fraudulent account. I need proof of a wet signature of an application w/ IC System INC and proof this is a credit transaction w/ IC System INC ; the debt agency is in violation of federal and state laws, and I will go legal if this isnt removed. IC System INC accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Product: Money transfer, virtual currency, or money service

XXXX scammed by fake landlord XXXX XXXX and lawyer XXXX XXXX Convinced me of an available rental and third party local involvement that I later concluded to be untrue. {$730.00} paid between two accountants {$150.00} as a pet deposit, {$80.00} applicant fee, {$500.00} for half of initial deposit and expecting a total of {$2200.00} in first month rent. XXXX XXXX provided fake phone numbers as well as names of local areas. Phone numbers include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the XXXXair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a house and today XX/XX/21 the agent I am working with ran my credit and told me that i would not be approved for a home loan at this time due to an account reflecting badly on my credit report. The account is from this company ; XXXX XXXX XXXX. I do not have any contract or agreement with that company and I am not responsible for that account. I also noticed this address on my report which I have never lived at. XXXX XXXX XXXX XXXX CA XXXX. I don't know why this account and address are on my credit report but I have already filed a police report in hopes of getting this resolved so I can finally buy a home.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to dispute the inaccuracy of late payment entries on my credit reports as per 15 U.S. Code 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ) Discrepancies exist among TransUnion ( 8 late payments ) and XXXX ( 9 late payments ) violating my rights under the Fair Reporting Act. No 21-day notice was received for these entries, denying me the opportunity to dispute them beforehand. XXXX XXXX XXXX  also reported payments less than 30 days late, which further misrepresents my credit activity. I invoke 15 USC 1681c for a prompt investigation and correction to my reports updated to " paid never late '' status on this OPEN up-to-date account immediately. These errors are harming the character of my credit report. I have filed a complaint with the XXXX  and sent all three bureaus certified copies of the letters. This is my second time filing with the CFPB. Next, I will be hiring an attorney until my report is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Please delete immediately
Product: Credit card

I paid my balance in full every month to avoid the interest. I made the final payment, expecting everything to be paid in full. However, instead of taking the final payment from my bank account, the credit card company applied a credit to my balance instead. I contacted Commenity Bank to inform them of the mistake. They told me to make another payment, which I did, and the representative informed me that everything has been corrected and that my balance was paid in full. However, I just recently got informed by them again that I have a balance due to my previous balance being paid late. I explained to a few representatives over the phone of what happened, and that the late payment was due to negligence and mishaps on their end. However, they refused to listen and are now demanding me to pay a balance on the account that was not incurred by me. I am filing this complaint in hope that the CFPB can intervene and help protect me as a consumer. Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I learned that some of my personal information was used to open an account at XXXX XXXX XXXX. I did not open or authorize this account, and I requested that it be closed immediately and all information about this account removed from my credit files. 

The account has three charges dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the order shipping address as XXXX XXXX XXXX XXXX XXXX NJ, XXXX as shared with me per the Wayfair fraud Security Team. This is not an address associated with me. The XXXX XXXX XXXX has deemed all three charges on this account as fraud and has refunded them to the credit card account. The remaining charges on the account are credit card fees only. 

I have been in communication with XXXX since XXXX. After repeated fraud claims made - unfortunately they continue to state the account is mine and they will not close the account nor remove the credit inquiry, account/ balance, and past due notifications from my credit report. 

Recently I have sought assistance from the Director of the Fraud Department of the Attorney Generals Office in the State of XXXX. He has directed me to submit this claim. 

Find attached the supporting documents to support my claim. Please let me know if you find you need any additional information as you review my complaint. 

XXXX ) Original letter from XXXX indicating their suspicion for fraud when the account was initially opened. 
XXXX ) Initial letter from XXXX stating their decision that the account was legitimate. 
XXXX ) Identity Theft Report # XXXX, Federal Trade Commission ( I submitted after I received direction from the Attorney Generals Office ) XXXX ) Police Report # XXXX, XXXX XXXX Police Department XXXX ) New XXXX statement showing all charges refunded ( consistent with the conversation I had with XXXX on XX/XX/XXXX who stated these refunds/ credits were due to the charges being deemed as fraud ) XXXX ) My official letters sent to XXXX dated XX/XX/XXXX, XX/XX/XXXX ( resent because I was told the original address I had been given to mail to was incorrect and they did not receive the package despite XXXX confirmation of receipt ), and XX/XX/XXXX ( adding the new info from XXXX that they deem the charges fraudulent ) 7 ) Final letter from XXXX XXXX again closing the fraud case.