23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, my personal identity was stolen and my social security number was used fraudulently against me. I did become aware of this matter until XX/XX/XXXX, when an address was updated on my credit report. I filed proper documentation and contacted any and all parties impacted by this misfortune. Apparently sometime in XXXX or XXXX, the defendant XXXX XXXX XXXX began sending written notifications for the alleged accumulation of such charges and debt to address which was illegally added to my credit report. I have no records to disclose of this action but said the defendant admitted on a recorded line they had been contacting said party. 

I begun getting letters which were forwarded to an address on file, which were dated as far back as XX/XX/XXXX. Now keep in perspective this said alleged attorney could not validate or confirm or deny the timeline from the beginning to when they began sending letters to yet a second address on file which was the updated address from the illegal actions taken on XX/XX/XXXX. Cardholder was never once contacted during the Pandemic regarding this matter as these services and actions were suspended. I was sent yet another letter regarding this matter on or around XX/XX/XXXX, alleging an outstanding debt from another collection agency, not Gamache @ Myers. I spoke with them on 2 random occasions and advised them this was an activity of Identity Theft. On XX/XX/XXXX they sent an alleged letter stating a balance was owed, but they did have legal right to collect per FCRA polices. On XXXX XX/XX/XXXX, they repeatedly sent yet another harrassing letter stating another balance different from original and claiming some sort of an agreement, I have zero knowledge of any of this activity. They were told on both occasions this was mistaken identity and I was working with an attorney in XXXX DC and I was advised to inform them of this communication activity. 

The attorney handling this situation legally has no rights to collect per FCRA guidelines. I was once again sent a letter regarding such said agreement, not knowledge or written contract with defendant since they have no basis on this matter. I have letters stating such alleged debt was dated XX/XX/XXXX. No such transactions took place by this party. There has been zero communication regarding such matter until I was sent a letter dated XX/XX/XXXX which I personally did not have possession of said letter until XX/XX/XXXX, and letter is a threatening letter that I am being sued. This is nothing less than unprofessionalism, illegal collection activities, FCRA violations and CFPB violations. This defendant has had legal allegations brought against them before and I am considering this as a consumer who was never rightfully contacted, in writing regarding this alleged allegation, let alone now a second claim against this consumer. 

I recently contacted the local authorities and they advised contacting a civil attorney. I already have a federal firm handling my identity theft and I do believe this is unfair and unjustifiable by this agency who obviously has no right to collect nor follow federal guidelines regarding consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need some help, I have disputed this account on my credit which shouldn't be it's not even mine. Equifax did nothing, just dismissed my dispute. Please help the account in question is XXXX XXXX XXXX - REPORTED AUTHORIZED USER WHICH I WAS REMOVED THIS SHOULD NOT BE ON MY CREDIT FILE
Product: Debt collection

Rent recover solutions reinserted an account to my report without properly notifying me within 5 days which is against the FRCA. As previously discussed with this company, this is not my account, I am not responsible for this account, and I do not have a contract with this collection agency.
Product: Credit reporting or other personal consumer reports

I tried to dispute inaccuracys on my credit report. I did not receive any results from this dispute. They were not able to confirm the reportings on the account. The company is XXXX
Product: Checking or savings account

We opened relaybank business checking account after formation of llc company with wyoming attorney.Provided all documents. we deposited checks worth around XXXX via remote deposit. After funds being settled, bank frozed our business account by name XXXXXXXX XXXX XXXX, after we submitted all relevant transactions still the closed our account with no reason and now its beyond 60 days funds not received by bank or any confirmation when they will release. asa a result we are facing lot of problems clearing vendor dues and our company is at risk As result of relay bank failure to release funds and closing down, we are unable to pay vendors and facing bankruptcy. We heard similar tales from other customers about relayfi fraud
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I received an email alert from the XXXX website on XX/XX/XXXX. I checked the credit report website and saw an alert stating, " XXXX XXXX XXXX has flagged your account as 30 Days Past Due on XX/XX/XXXX. '' I have yet to receive a paper billing statement or an email informing me of a pending balance. The last message I received in my UAS connect account was on XX/XX/XXXX. I do remember calling UAS to inform them of my in-school status in XXXX, the representative said at the time that the loan would be put in active deferment when the federal database verified the change. 

I could not call the private loan lender immediately, but I called a few days later, in XXXX. I requested to confirm the deferment status of the student loan and the current contact information, including email and address. My address and email information was correct and current. The student loan was in repayment, despite being a full-time student since XX/XX/XXXX at XXXX XXXX XXXX The representative verified with the federal database and updated the status to an in-school deferment. I asked when the credit score would be reversed, and the representative said it would be at the end of XXXX. 

I revisited the credit report website on XX/XX/XXXX, and the credit score was not reversed. I emailed the private loan lender that day that I wanted to submit a complaint due to insufficient diligence on their part. I received correspondence from XXXX XXXX on XX/XX/XXXX, but he did not explain how to submit a complaint. He confirmed that the deferment status was active, and there was no balance due at the time. I replied on XX/XX/XXXX, to explain that I wanted to proceed with the complaint because I had never received a billing statement, and the lender 's negligence affected my credit score. The score did not reverse at the end of XXXX. The representatives I communicated with extended the dates when my credit score should have been reversed but did not explain the steps to submit a complaint. 

I persisted in submitting a complaint despite the evasiveness in the emails. I called on XX/XX/XXXX, and spoke with representatives that would not transfer my call to a supervisor to file the complaint. Again, the individuals were evasive and unprofessional. I became irate when the representative lied, including telling me I would be transferred and never hearing the hold message and music ; the representative, XXXX, also lied to me, saying she had to email her supervisor before transferring mehighly suspicious behavior. After speaking with XXXX, I sent an email the same day and explained the poor customer service I received during the calls and insisted on filing a complaint. I never received a reply after the XX/XX/XXXX email, and my credit score has not been reversed when I checked on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

i am writing to assert my rights and demand lvnv and consumer reporting agencies stop racketeering in attempt to extort me. i demand lvnv account be remvoved promptly along with all late payments on the report. LVNV has stolen my identity. I do not and have not ever consented or contracted with LVNV i have never consented to them sharing my information with anyone and this is a federal crime 18 usc 1028, 18 usc 1341. the supreme court has also ruled that LVNV is a debt collector meaning they are violating FDCPA. this is a misrepresentation and misleading. they have purchased my personal information which is also illegal discclosed my personal information which is also illegal. compromised my identity and privacy. this is a gross violation of my rights and will be treated as such. All claims by this false creditor are hearsay and could never be admissable in court. if lvnv doesn't want to be sued i highly suggest ease and desist. This is also a violation of XXXX, XXXX XXXX XXXXXXXX. this is also a breach of contract.Transactions and experiences are to be excluded from the report. 15 usc 1681a ( 2 ) a ( i ) the fees for these violation are around XXXX per set of violations. Im giving lvnv and the consumer reporting agencies 5 days to cure these infractions after which i will be charging XXXX for violations and lawyer fees. the date XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a checking account was closed at DIGITAL FEDERAL CREDIT UNION, and subsequently charged off, then ultimately reported to XXXX as a derogatory item in my name, and on a credit report with the company XXXX. This account is FRAUDULENT and a result of IDENTITY THEFT. I have attached all necessary documents to provide all legally required proof of such statement, and I as the consumer do state that all information in this complaint/dispute is true to the best of my knowledge. Please remove the account from XXXX, and halt all attempts to hold me liable for this fraudulent account. Under the FCRA 605B ( 15 U.S.C. 1681c-2 ), you have ( 4 ) business days to block the reporting of this information. I demand that such action, under my rights afforded to me by the FAIR CREDIT REPORTING ACT, be taken immediately. I will not let my rights be violated and I will take every necessary action in order to rectify these fraudulent accounts reporting negatively against me, including pursuing litigation if these demands are not met in the allotted time frame. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

have recently obtained a copy of my XXXX  credit report. It showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so under section 609, physical signature. Please have this inquiry removed from my credit  report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote each individual debitor/company 's asking for the original instrument of indebtedness in its original form. None of the companies have provided me with this request. These certified letters where sent back on XXXX XXXX after 30 days had expired. I inturn wrote equfax and experian. I sent copies of origanl letter mailed to the creditors along with the proof of certified mail. I advised them that the 30 day allowed time by law has expired and that none of the creditors have provided me with the requested documentation. I advised that these items should be deleted from my credit file. Once they received the letter they turned around and sent me an email stating that they where starting the ivestgation again and that it will be another 30 days. Please see attached below te letter sent to both Equfax and XXXX. I also placed and X where personal information was shown. 



Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SSN : XXXX XXXX DOB : XXXX XXXX/Equfax XXXX XXXX XXXX XXXXX, XX XXXXX To Whom It May Concern : I am enclosing a copy of a letter that I mailed to the company XXXXX - XXXX XXXX ACCOUNT XXXXXX AND XXXX BANK ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX sent via certified mail requesting that verification of the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2021. It has been more than 30 days, and I have not received any proof that your company validated the debt. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed. 

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

I spent hours attempting to get my free annual credit report and can not verify my identity through Experian. XXXX  I tried their app multiple times uploading my documents and my selfie per their request and each time they stated that they could not verify my identity. Then I tried to do it via their website. I attempted multiple times. XXXX  I uploaded the requested documents and received a message back requesting that the formats not be in XXXX. Knowing that when you photograph your documents XXXX is the format they are in. Even the IRS accepted documents in this format. So I changed the documents to a XXXX format that they requested and submitted again. I then got a message back saying that the combined files were too large. I was only submitting the documents they requested. If they are requesting that many documents you should be able to upload them without it being too large. So I finally got them to go in the required size then I was informed that they were in color and could not be in color. It sounds to me like they just don't want to release the free credit report as I am entitled to and want me to sign up to pay their service for monitoring. I am an XXXX XXXX XXXX that is starting out. I have some concerns because of my calls with the IRS about things that are not appropriate being on my credit report. I can not verify if their are inappropriate items on my credit report because experian won't allow me that report as I am entitled. When I get an the annualreporting website, experian is the first site that comes up so if they won't let you verify you can't get your report from any other credit reporting agency either. Since access to this report is required by law, they should be required to furnish it upon me verifying my identity instead of making multiple tedious reasons why they won't accept the documents that I have provided to them.
Product: Mortgage

We sold our house in the XXXX XXXX last week and moved to a home in XXXX where we want to use the proceeds of the XXXX area mortgage to pay off for a mortgage here in XXXX. The bank involved on the payoff mortgage for our present home mortgage has no offices XXXX area. Because of that they have stated that we must come in person to payoff this mortgage requiring a XXXX mile round trip. We want to pay off the mortgage without making this trip! Is this possible? The bank is Comerica.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see the attached documentation to meet my demands in a timely manner. I have never authorized or gave written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for XXXX XXXX XXXXXXXX Account To Whom It May Concern : I am submitting this formal dispute regarding inaccurate late payments reported on my XXXX XXXX XXXXXXXX account. This complaint specifically pertains to the credit file maintained by XXXX, Experian, and XXXX. I have identified significant discrepancies and errors in the reporting of late payments, which misrepresent my payment history and violate federal laws designed to protect consumers. 
Nature of the Complaint : Inaccurate Late Payments : XXXX : Reports a 30-day late payment for XX/XX/XXXX. 
Experian and XXXX : Report a 30-day late payment for XX/XX/XXXX. 
I assert that these late payments are incorrect. I have consistently made my payments on time, as confirmed by my autopay enrollment for this account. 
Discrepancies in Account Information : High Balance : Reported as {$2500.00} by XXXX and Experian, but {$0.00} by XXXX. 
Payment Amount : {$64.00} ( XXXX and XXXX ), {$100.00} ( Experian ). 
Last Verified Date : XXXX : XX/XX/XXXX ; Experian : Not reported ; XXXX : XX/XX/XXXX. 
Date of Last Activity : XXXX : XX/XX/XXXX ; Experian : XX/XX/XXXX ; XXXX : XX/XX/XXXX. 
Date Reported : XXXX : XX/XX/XXXX ; Experian : XX/XX/XXXX ; XXXX : XX/XX/XXXX. 
These discrepancies highlight the lack of consistency and accuracy in the reporting of this account across the bureaus. 
Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i : Mandates that credit reporting agencies investigate disputes and correct inaccurate or incomplete information. 
15 USC 1681s-2 : Obligates furnishers of information to provide accurate data to credit reporting agencies.

15 USC 1681n and 1681o : Establish liability for willful and negligent noncompliance with FCRA requirements.

Truth in Lending Act ( TILA ) : Ensures that all credit information reported is accurate and truthful. 
Fair Debt Collection Practices Act ( FDCPA ) : Prohibits the reporting of false or misleading information regarding a consumers debt. 
Requested Resolution : I request the following actions be taken : XXXX a comprehensive investigation into this matter. 
Remove the inaccurate late payments reported for XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX and Experian ). 
Correct all discrepancies in account details, ensuring uniform and accurate reporting across all credit bureaus. 
I expect written confirmation of these corrections within 30 days from the date of this complaint. Failure to resolve these inaccuracies may compel me to take further legal action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. Please contact me directly if further clarification is required. 
Sincerely, XXXX XXXX
Product: Debt collection

I keep receiving a collection notice from Receivables Performance Managemant LLC. I have sent multiple letters requesting verification and they refuse to send me any information. The Debt is from XXXX and I have never had a XXXX phone.
Product: Debt collection

On XX/XX/XXXX I originated a loan with Conns HomePlus - financed amount of {$4800.00} for 29.97 % at {$21000.00} month for 34 months. Payments have been made consistently until furlough caused by COVID-19. During that time I received a minimum of 20 calls per day every day ( without VM message ) if payment was not received by the XXXX of the month. On XX/XX/XXXX I contacted a Conns and spoke with supervisor XXXX XXXX to see there were any temporary or permanent assistance available. He stated that the loan would be refinanced for XXXX for months at the same 29.97 % interest at {$150.00} per month starting XX/XX/XXXX with a payment of {$150.00} ach initiated by Conns on XX/XX/XXXX. After the payment cleared I was continually harassed with calls from Conns so I contacted a supervisor on XX/XX/XXXX to discover that the refinance had been rejected and I was not informed. They apologize for inconvenience and said they would submit it to their refinance department for reconsideration. The next day XX/XX/XXXX I called back they pushed it through with an increase of interest rate by almost 10 %. They said thats all they can do. This is ridiculous. At this point Conns has caused me to be late which will affect my credit due to no fault of my own, as i was made to assume that the original refinance on XX/XX/XXXX had occurred. Through their deceit, I am now stuck with the remaining balance of XX/XX/XXXX payment as well as one that is now due for XXXX putting me in an additional financial hardship that I would not have been in if not for the predatory practices. This company lies, makes false promises, steals, and takes advantage of people affected by COVID-19. Those practices must be addressed and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts with all three credit reporting agencies to get the personal information fixed on my credit report, that includes names and addresses that are incorrectly published on my credit report. This has to be corrected, as it is harmful to my life and ability to receive credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inquiries on my credit report, which I believe to be unauthorized and inaccurate. These inquiries are negatively affecting my credit profile, and I request a thorough investigation into their validity and removal if found to be unjustified. I have not applied for credit with the entities associated with these inquiries, nor have I given them permission to access my credit information. As such, I have reason to believe that these inquiries were made without my consent and are in violation of my rights under the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/2022. Please delete these inquiries immediately.
Product: Checking or savings account

Optum Bank continually denies eligible purchases for the HSA. They will continue to send emails asking for receipts even though they have been submitted several times. Customer service is useless and tells you to email the receipts which does not work either. Then after months of this run around they suspend your card. This company is scamming consumers.