23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

per Equifax I have spoke with a agent snow and a supervisor by the name XXXX on XXXX/XXXX/XXXX around XXXX we spoke clearly of a account XXXX which is labeled to be XXXX this XXXX has appeared on my credit years back maybe XXXX perhaps in which i called them directly and they removed it off and Equifax also sent me a letter in the mail that I no longer have stating that this item has been removed. XXXX stated that she was going to put me in a system to block that information due to the information that I had provided to her with my story of what happened. I called yesterday XXXX/XXXX/XXXX and I was told by an agent that she received my police report I have filed through the XXXX department and I asked about the XXXX item and she stated it is in dispute not removed. XXXX stated it would be moved in XXXX72 hours why was n't it removed. if she would have said it would be a dispute than I know it could take up to 30 days but she clearly stated it should n't be there and she will get it removed. all the agents said they cant do anything cant even find XXXX. Equifax is getting my information or if they are a fraud company who works for the creditors I sent in mail letters, identification etc they have n't received that information this was last month on XXXX/XXXX/XXXX and up till this day of XXXX/XXXX/XXXX they still do n't have it what is really going on. per section XXXX in the Fair Credit Reporting Act if a person is a victim of identity theft with proven documents the bureau has four days to investigate to remove or block fraudulent or negative information. I have waited past 30 days prior to the police report filing I called multiple times asking for help and answers im always getting miss information and the run around. I 've been working with the sheriff department to dispute and get help during this hard time but Equifax does not care that I 've been a victim nor do they care of me providing the correct documentation their job is to blame someone it seems. I 've waited long enough and I want results there should n't be an excuse for this this is a major bureau company and its unacceptable. they provided me with multiple case numbers some for my name in which I never called in about I sent my id etc.. at this point this company is all lies and does n't do what needs to be done to help a victim of identity theft. In a bad time like this they try to sell me products instead of holding back knowing im a victim of identity theft its all about the money I feel that is very rude and not professional. Agents all the way to the management are just selling products vs helping you with what is truly going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, & Experian are reporting on a debt I do not owe. The debt from XXXX has been paid, and they continue to report a balance. This is affecting my financing.
Product: Debt collection

HI XXXX XXXX / CFPB / XXXX SEQUIUM ASSET SOLUTIONS; Whom It May Concern : I am writing to formally dispute the validity of an alleged debt from XXXX XXXX XXXX XXXX for {$300.00} that has appeared on my credit report. I assert that this debt is fraudulent, as I have never had any prior relationship with XXXX XXXX XXXX XXXX  or any of its affiliates. Moreover, I believe that my identity may have been compromised, leading to this erroneous claim.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate validation and verification of this alleged debt. Specifically, I demand that you provide the following documentation : Proof of Your Authorization : Documentation demonstrating your authorization under 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ) to handle and collect this debt.

Legal Basis for Collection : A detailed explanation of the legal grounds upon which this debt is being pursued.

Authorization to Operate : Proof that your organization is authorized to operate and collect debts in my state of residence.

Evidence of the Debt : A complete and accurate copy of any contract or agreement, including my signature, that would obligate me to this debt.

Account History : A full account history, including any charges and fees that have been applied, along with the original creditor 's information.

In accordance with 15 U.S.C. 1692g ( b ), I also demand the cessation of all collection activities until the alleged debt has been validated as per the legal requirements. Furthermore, under 15 U.S.C. 604 ( a ) ( 2 ), I remind you that no information regarding this debt should be furnished to any credit reporting agencies without my explicit written consent.

Your actions in reporting this alleged debt to the credit bureaus and attempting to collect it violate several key provisions of the FDCPA, including but not limited to : 1692d : Prohibiting harassment or abuse in the collection of debts.

1692e : Prohibiting false, deceptive, or misleading representations.

1692g ( b ) : Requiring the proper disclosure of my rights and the validation of the debt.

1692f : Prohibiting the use of unfair or unconscionable means to collect a debt.
Product: Debt collection

XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear C/O XXXX XXXX XXXX, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor.

o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated.

o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state.

Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact.

Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved.

Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General.

Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a XXXX years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank is reporting a fraudulent credit card on my credit report linked to an address in which I have never lived.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX 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

Early warning continues to provide false information thats causing me to be declined by major banks. As my accounts where fraudulent open without my knowledge
Product: Money transfer, virtual currency, or money service

ON XX/XX/2024 I was scammed by someone who hacked a friends XXXX account and was pretending to sell cars. This person had me pay {$2500.00} to put a retainer on a truck for my son. After figuring out the person I was communicating with was NOT my friend, I had already sent the money. Zelle would not refund me the money. 


XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT TO - {$2500.00}
Product: Money transfer, virtual currency, or money service

I am writing you, because it happened that in my account of the Bank of America, the day XXXX of XXXX I had a withdrawal of XXXX $ that I did not authorized, and since them I am calling and writing to the Bank of America and until now I do not have any answer of my report, I am right now out of XXXX, therefore in not possible for me to go to one the Bank office, so really appreciate the help that you can offer me in this matter XXXX XXXX Account XXXX XXXX XXXX No XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I pulled my credit report, and some of the items are missing from it. XXXX # XXXX XXXX it missing from there, Macys # XXXX Its missing from Experian, XXXX XXXX  # XXXX Missing from XXXX, XXXX and Experian, XXXX # XXXX XXXX Missing from Experian and XXXX, XXXX Cards # XXXX Missing from Experian and XXXX, XXXX XXXX XXXX XXXX missing from XXXX XXXX Bank XXXX XXXX mising from XXXX, XXXX # XXXX missing from XXXX, XXXX # XXXX missing XXXX XXXX and Experian and XXXX # are XXXX Missing from XXXX.
Product: Debt collection

In XXXX, Portfolio Recovery Associates filed a lawsuit against me over an account that was fraudulently opened online, one of many accounts. It was my very first time ever receiving a lawsuit from anyone. I did not know, or understand my rights under the FCRA. To be fair, this is a first time I dealing with an extensive identity fraud where I am struggling to restore my identity. As a victim of domestic violence, which began with Identity fraud, i learned over time the correct protocol with my situation. I filed police reports, FTC, and IC3 reports/ complaints as well as gave copies to the 3Bs as well as all Creditors/ Agencies showing that I am a victim of Identity Fraud. For the most part, some respectfully removed the accounts but others responded with they disagree since after their investigation, their reports are accurate. I then asked for copies of original contracts where it showed, I signed and dated. One responded with they decline to provide me what I asked, Portfolio Rec Associates, on the other hand sent me several letters this week, 3 of which they are closing and removing accounts. But the account, filed lawsuit in XXXX, in the letter was statements wrong information for example it says The account was active since XXXX. I know for a fact that is not true and I can prove it. None of which was the original contract, but the final page was the judgement in their favor. That was the concluding evidence for them to have it remain on my credit report, and approved by both XXXX as well as XXXX. I investigated further and found out that those statements are completely bogus. It is not an official statement, in fact, the return address does not in no way link to the bank. It links to random pdf files of other statements, then from those it links to a completely website where it shows where the money is really going. 

I am beyond exhausted with this whole process. I am victim of identity fraud and XXXX  XXXX survivor, XXXX  for the second time because of my credit. Companies like Portfolio Recovery Associates pray on the most vulnerable as if its an easy target. Theres no telling how many other they have done this too. Moreover, only time will show who is honest and who was deceiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Money transfer, virtual currency, or money service

Im writing to inform you I had issues sending and receiving money transfers numerous times on several occasions
Product: Checking or savings account

I have a credit score over 820 and have been with Discover since XXXX 

I contacted discover Bank early in the morning to ask questions about their checking and savings promotion. An agent confirmed that I had never had a discover Bank account, she did notice my discover credit card and discover XXXX XXXX account. She noticed that the address on file was incorrect and asked me if she could update it. She then repeated the address correctly back to me reflecting my XXXX address. 

Later in the day I applied for the savings account online myself with promo code XXXX, and a request to find the account with {$25000.00}. The application was denied. I called into customer service ( XXXX XXXX in XXXX ) that was told my address was wrong, and I would have to submit an entirely new application. 

I thought this was completely ridiculous however supervisor XXXX ( rep ID XXXX ) assured me that the original application was cancelled and that we should try again after update my address apartment to the second line on my credit card file. I update this. I AGAIN submitted an online application for the savings account with funding deposit if {$25000.00} and promo code XXXX. This was again, denied. 

XXXX suggested that we try an application over the phone with her. She submitted a 3rd application with the same promo code, XXXX, and a third time it was denied. 

XXXX also mentioned that the rep form the morning did NOT update my address as she had indicated she had. 

I have spent more than 2 hours in the phone with Discover, and I still do not have an account or a solid reason as to why my application is being denied.
Product: Debt collection

Gatestone contacted members of my wife 's family frequently and regularly over the past few years concerning a debt they claim belongs to my wife and I. Persisted to harass relatives even when asked to stop.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

These Diversified Consultants Company is a debt collection vendor that has been using a bunch of random phone numbers with my area code but they are located in Florida and try to bait you to answer their calls. I have spoken to them to send me mail regarding this debt collection but they have neglected to send it to my address. The harrassment has started back in XX/XX/2017, for a collection amount on a phone bill for more than {$2200.00}. Which is ridiculous! They call multiple times throughout the day and I cant stand them anymore!
Product: Consumer Loan

I applied online for a loan with Rise Credit on Monday, XXXX XXXX, 2015. At the end of the application process, it stated that I needed to provide additional information and was given a list of additional documents that were needed. I provided the following documents : copy of driver 's license, social security, XXXX award letter and 2015 XXXX. After I submitted the documents, I kept getting emails from the company stating I needed to submit additional information. I had to submit my social security card twice, and the XXXX award letter. Then on Wednesday, XXXX XXXX, I received an email from the company that all my documents had been received and I would have a decision that day. As the end of the day approached and I had not received a decision, I contacted the company again to see what the status was. I was told that my documents were in the reviewer 's inbox and it would probably be the next day before a decision could be made. On Thursday and again today ( Friday ), I contacted the company for the status again and was told no decision had been made and that it would be another day. I was also told on Thursday that after 10 days the application would automatically be cancelled if no decision was rendered.
Product: Credit card or prepaid card

Chase credit card lowered my credit limit during the covid-19 virus. I am without an income right now, our industry has been shut down. They arbitrarily reduce my credit limit during the covid -19 outbreak. This should be illegal, I need that credit line for living expenses.
Product: Debt collection

XXXX XXXX DIVERSIFIED CONSULTANTS , inc amount {$620.00} this is not our legal debt?? 
this belongs too our son and daughter in laws apparntly, my wife signed via usps for package too go on internet school this laptop was never returned to XXXX XXXX no was child ever enrolled in the internet school!!!! 
DIVERSIFIED CONSULTANTS , INC DEBT # XXXX XXXX XXXX XXXX, TX,XXXX XXXX WE TRIED TO TALK ABOUT THIS TOO THERE CUSTOMER SERVICE THEY WOULD NOT LISTEN TOO LOGIC??
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of the many that I sent that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

The following account need to be removed as they are fraudulent. 

XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.