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

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/21 at approximately XXXX am I was contacted by a XXXX from a phone number that is unlisted. XXXX went through the usual dialogue with collection that is required by law and informed me of a debt that was owed. 

When he completed the dialogue I requested that I only be informed by mail, no more phone calls. XXXX XXXX stated that a letter was already sent and said an address quickly. ( Not even confirming mailing address. ) When I again requested that I be informed by mail and no phone calls he got angry and stated " I'll document refusal to pay and mark this delinquent. '' When I tried to state that I wasn't refusing to pay he started talking over me and then proceeded to hang up on me. 

I tried to call back 3 times from my cell phone to rectify the situation in which XXXX kept forwarding my phone to voice-mail after one ring. 

I had to call back on my husband 's phone. ( XXXX am ) When answered he said " why do you keep calling back ma'am? '' I asked why he was hanging up on me and he stated " basically you're not gon na pay back your debt. '' I corrected him and was stating I wanted him to make note on my account. He further stated that I was not going to pay my debt. ( He then stated that he was on a recorded linel He also stated in the conversation " I'm not required to be professional. I'm just required to do my job " further discussion entailed with me asking why I was hung up on and if he notated my account which I did not get an answer. When I asked what company he worked for he stated " have a good day. '' The only reason why I figured out which company is by remembering he said XXXX in the first call and I had to XXXX search to find the company in my area and found the real phone number to the company. I called and spoke with a secretary at XXXX at phone number XXXX confirming that a XXXXy works there, when asked if he is in a supervisor position I was informed he was and that the other supervisors are out until after XXXX.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction with the recent attempt to remove accounts and public records associated with my profile. I believe that the service provided did not meet my expectations, and I would like to bring the following concerns to your attention : Despite the initial attempt, I have observed that accounts and public records are still present. I expected a more thorough and effective removal process. 

There was a lack of clear communication throughout the process. I was not adequately informed about the steps taken, the progress made, or any challenges encountered during the removal attempt. 

The process took longer than anticipated, and I expected a more prompt resolution to my request. Timely removal is crucial to protect my privacy and personal information. 

I understand that issues may arise during such processes, but I believe my concerns are valid and warrant further attention. I kindly request that you review my case and take appropriate actions to address the aforementioned issues. 

Additionally, I would appreciate regular updates on the progress of the resolution and any steps taken to rectify the situation. Please provide a detailed explanation of the measures being implemented to ensure a more successful and expedited resolution to my satisfaction. I am asking for your assistance to remove these items : XXXX  XXXX XXXX Balance : {$1100.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. XXXX XXXX XXXX Balance : {$2100.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting or other personal consumer reports

I was checking on my credit report and I noticed hard inquiries that belong to someone else
Product: Debt collection

I received a phone call on Friday XX/XX/XXXX around XXXX. A debit collection company supposedly representing XXXX XXXX Company. The person I spoke with explained I have an over due bill for the amount of XXXX $ I explained I never received a bill or a phone call. I said there is no way my electric bill could be so high. I asked for a copy of the bill. The person said oh that will take a few weeks to receive a bill. How so?? The person said well I can try to dispute the bill if you want me to. I called XXXX XXXX and explained everything, they said it's a scam. I also contacted the real XXXX XXXX Company and cancelled my account which I had since XXXX. I had an idea and called the fake collection company. It took to phone calls to convince them to send me an email of the bill. Of course they had an excuse after excuse saying well we really aren't supposed to send emails. Really since when?? Today I received a collection letter in the mail. There is hard evidence to prosecute these individuals that are responsible. I have the email with the bill, a hard copy of the bill, and voice mail. Hopefully this will be helpful. Thanks again. XXXX XXXX XXXX XXXX.
Product: Mortgage

Rocket Mortgage sold my mortgage to XXXX Bank who added {$30.00} fee to my payment for a faxed payoff statement. I called XXXX and asked why are they charging me and the answer was you must have authorized it, and said I had to make a request in writing for them to consider reversing the charge. I sent an email to Rocket asking why am I being charge without my knowledge and I am awaiting a reply. XXXX said it would be free if mailed but Rocket wanted a Fax SO 30 BUCKS.
Product: Debt collection

Some XXXX  whom I don't know at all, used my identity to open at least three credit card accounts fraudulently at XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. I didn't know this until XX/XX/XXXX when I applied for an XXXX credit card and was rejected, due to my surprised bad credit history. From that I did some research and found the above criminal identity fraud activities against me. Plus, someone used my identity to create an account at XXXX. It took me a lot of time and effort to get back my account, to prove to XXXX that the person who created an account using my information is NOT me and I am what I am, that I can prove who I am with my driver license, passport and any picture ID. 

Below are the actions that I have taken so far to dispute these fraudulent charges : XXXX ) I went to XXXX XXXX XXXX XXXX local branch in XXXX XXXX, KS on XX/XX/XXXX, talked to XXXX XXXX. I showed her my driver license with my current XXXX  address. I told her that I have lived here since XXXX and have never lived in California. The address used on the credit card is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX. XXXX XXXX XXXX XXXX should be able to locate this person by tracking to this address. 
XXXX ) I completed a consumer dispute at XXXX XXXX XXXX XXXX office that day, which XXXX told me she would submit it to the XXXX  center. 
XXXX ) I completed a police report that evening, XX/XX/XXXX. 
XXXX ) I emailed the police report to XXXX on XX/XX/XXXX. 
XXXX ) I called XXXX on XXXX to confirm the receipt of my email with the police report. She promised me to submit the report to the XXXX center. 
XXXX ) I went to XXXX XXXX XXXX XXXX again on XX/XX/XXXX after receiving calls from MS Services, debt collection agent. I talked to XXXX XXXX, the branch manager. 
XXXX ) At the XXXX XXXX XXXX XXXX that day XXXX completed there Uniform Affidavit for Identity Theft ( UAIT ). I also called XXXX XXXX at XXXX office on XXXX. XXXX yelled at me with his masculine voice : " Pay the money or shut up! '' This is extremely disturbing to me. His yelling keeps coming back to me like a nightmare. 
XXXX ) I sent on XX/XX/XXXX a certified letter to XXXX XXXX, MS Services LLC ( debt collection agency ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX WY XXXX. Inside the letter, I included an identity theft crime police report, Uniform Affidavit for Identity Theft, and business cards of XXXX XXXX and XXXX XXXX. This certified mail arrived on XX/XX/XXXX. 
XXXX ) I received a thick envelope from MS Services, demanding for payment of {$9700.00} plus 18 % interest. The letter was sent on XX/XX/XXXX, more than a week after they received my letter. I wrote an email to both XXXX and XXXX on XX/XX/XXXX. 
XXXX ) I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX placed me on hold for 32 minutes, without any hope of ever talking to anyone. I use a pay as you go phone. 

At this point, I have frozen my credit at all credit sites and have sent a fraud alert on all my accounts. My biggest headache is this debt collection agency : MS Services, who knows I am the victim of identity fraud and still keeps threatening me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX, and XXXX XXXX Date Opened XX/XX/2019 Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear : Experian, XXXX XXXX XXXX This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

1. XXXX XXXX XXXX : # XXXX 2. XXXX XXXX XXXX  : # XXXX 3. XXXX XXXX : # XXXX 4. XXXX XXXX XXXXXXXX 5. INQUIRY : XXXX XXXX XX/XX/2021 Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

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

I am writing to dispute a collection account that is reporting different dates of last activity on my credit report. The creditor in question is Bull City Financial. 

I have reviewed my credit reports and noticed that this account is being reported with multiple dates of last activity. Specifically, the account is being reported with a date of last activity of XXXX  and XXXX. I believe this reporting is inaccurate and is negatively impacting my credit score. 

According to the Fair Credit Reporting Act, credit reporting agencies are required to report accurate and complete information about me. The reporting of multiple dates of last activity for the same account is inaccurate and confusing, and I believe it is in violation of the FCRA. 

I have reached the credit bureaus and the creditor regarding and it has not been resolved. I am requesting that this account be deleted from all credit bureaus. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX have neither reviewed nor investigated the information in the past disputes. I have disputed the bankruptcy on my file several times with supporting documents from XXXX and The US Bankruptcy court. I have sent each agency certified copies of these documents- ( XXXX ) I have also attached the supporting documents to this complaint. The misinformation on my credit file is hindering my financial growth and causing me great humiliation.
Product: Debt collection

I received a notice of Collection letter from Vargo and Jansen. I submitted a request to have the debt verified. I outlined specific Information that needed to be included. I said that if it could not be provided to me, to not contact me again. Vargo & Jansen still contacted me trying to use their generic tactics to verify a debt. A couple of statements showing no activity and fees being charged on top of fees doesnt cut it. I asked for the original signed contract between myself and the original creditor. That was not provided. I feel that Vargo and Jansen violated FDCPA because I asked not to be contacted if that couldnt be provided. They contacted me anyway. I am currently working with a family friend to take Vargo and Jansen to small claims court for the FDCPA violation. I do not owe this debt. I have attached the letter I sent and their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to closed complaint # XXXX, the paperwork submitted by Bank of America does not validate the alleged amount owed ( {$880.00} ) on account # XXXX. On XX/XX/XXXX I spent an hour on the phone with XXXX XXXX ( Manager of XXXX XXXX Department ). I was informed that almost half of the alleged amount owed were bank fees. Is n't there a limit on the number of bank fees a bank can assess? Also, why were fees continuing to accrue when the last transactions were in XX/XX/XXXX? I have read of many class action suits where BOA was charged for excessive overdraft fees. Please revisit this account and delineate the fees from actual transactions. Also provide the bank 's policy on fees. Please be advised my next step is contacting a consumer protection lawyer.
Product: Debt collection

On XX/XX/XXXX, 2017 XXXX XXXXXXXX XXXX XXXX , XXXX contacted me about a debt. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested XXXX XXXXXXXX XXXX XXXX, XXXX to provide me with a validation of the debt that they talked of earlier. I stated this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request XXXX XXXX XXXX XXXX, XXXX provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you XXXX XXXX XXXX XXXX, XXXX I have not received documentation demonstrating compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ). They did attempt to send a deceptive/new contact agreement to sign with no validation as requested. My right to dispute the debt was not in compliance as well. 

The company sent verification letters not debt validation letters as requested. The verifications letters shows the name of the alleged creditors. The original terms and or agreement stipulates arbitration and not a third party collection agency. The admitted they are a third party and not an arbitrator, which violates the terms. Once again, the requested information is outside of the 30 day FDCPA 15 USC 1692g SEC. 809 b  The company stated that they resecarhed the the issue, the could not have if clearly written in the arbitration agree with the alleged creditor XXXX XXXX which states all conflicts shall be sent to arbitration and not collections. The request for arbitration was ignored by the alleged rapid cash creditor and I received communications from XXXX XXXX XXXX XXXX , XXXX without researching they sent incorrect informato the credit agencies without verifying what they were validating as a debt belonging to me. A copy of a debt from the alleged original creditor alleging I owed a debt is not validation of a debt.
Product: Credit reporting or other personal consumer reports

This complaint pertains to Equifaxs role in the XXXX data breach, which exposed my sensitive personal information, including Social Security numbers and other identifiers. I recently confirmed through the Equifax Data Breach Settlement website that my information was compromised ( Engagement Number : XXXX ). 

The breach has directly contributed to identity theft, fraudulent accounts, and unauthorized inquiries on my credit report. Equifax has failed to take appropriate actions to address these issues despite my repeated efforts to resolve them, including submission of supporting documentation such as an FTC Identity Theft Report and police report. 

Key Issues and Non-Compliance 1. Failure to Protect Consumer Information Equifaxs negligence in safeguarding my personal information resulted in my data being exposed to unauthorized parties during the XXXX data breach. 
This failure to protect consumer data has caused : Fraudulent accounts being opened in my name. 
Unauthorized inquiries negatively affecting my credit score. 
Ongoing financial harm and emotional distress as I attempt to address these issues. 
2. Failure to Address Fraudulent Activity Despite Equifaxs knowledge of the breach and my identity theft claims, they have failed to : Adequately investigate and resolve disputes for fraudulent accounts such as Absolute Resolutions I ( {$1100.00} ) and XXXX XXXX ( {$3600.00} ). 
Remove unauthorized inquiries, including XXXX XXXX XXXX  ) and XXXX ( XX/XX/XXXX ), from my credit report. 
Block fraudulent information as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Failure to Mitigate Harm from the Breach Equifax has not provided sufficient support to help mitigate the harm caused by the breach, even after confirming my eligibility for identity restoration services. 
Their failure to proactively address inaccuracies stemming from the breach has further damaged my credit profile and my ability to secure funding for my business. 
Impact of Equifaxs Failures The consequences of Equifaxs failures include : Financial Harm : Denial of personal and business funding opportunities due to a damaged credit profile. 
Increased interest rates and financial strain caused by inaccurate credit reporting. 
Emotional Distress : Ongoing frustration anXXXX XXXX from repeated identity theft-related disputes and Equifaxs inaction. 
Reputational Damage : The inaccuracies on my credit report have affected my credibility as a consumer and business owner.
Product: Credit reporting or other personal consumer reports

I have reviewed my personal credit report, which I obtained from your organization on, and I have observed an unauthorized inquiry : 1. The inquiry was not authorized SYNCB/AMAZON Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized SYNCB/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

I filed an FTC report due fraudulent information reporting on my credit report that doesn't belong to me. Nobody has yet to help me get this resolved. I need these accounts off my credit report asap.
Product: Credit card or prepaid card

On Friday XX/XX/XXXX, I reached out to Wells Fargo to upgrade my credit card to their Cash Wise with the same line of credit that I have had since I was a XXXX in college, 6 years ago. I clearly stated that I wanted it to be an upgrade of the current line of credit as the line I had with Wells Fargo was my oldest line of credit. The person I spoke to ensured that I would be under the same line of credit since everything was done in house. The employee stated I qualified for an upgrade, and I went through an application process. They said they would close my account and open up a new one, but they at no time said this also meant I would have my credit line closed and receive a hard inquiry on my credit score. This significantly impacted my credit score with XXXX and XXXX. I feel Wells Fargo either deceived me or gave me false information pertaining to my credit card upgrade as I would not have approved of the upgrade if I new it would lead to the closure of my oldest line of credit. Wells Fargo is already notorious for illegal practices, and I should have known they would willing deceive me for their own benefit.