23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Receivable management systems have been trying to collect A {$470.00} debt from patient first from four years ago maybe like 4 1/2 years ago they have been destroying my credit they have been reporting two times a week instead of once a month as they should this is ridiculous at this point Id rather them take me to court and try to sue me for it because if I show the judge what they doing is illegal I have tried to dispute it Ive asked them to remove it its past the time it should be on my credit they dont care they do what they want to do I feel hopeless and I really need the debt removed off my credit What happened is I felt stick at work for years ago I went to the doctors at patient first they check your insurance to see if its active it was going to expire two days after that visit they said it was accurate the doctor saw me they must have tried to charge the insurance After the two day market and because that is expired and they couldnt get their money this is not my fault and they have been harassing me
Product: Debt collection

I, XXXX XXXX, consumer, natural person, and the original creditor of an open end credit plan, received a letter in the mail from a debt collector. This is mail fraud pursuant to 18 US Code 1841. I am making this complaint against CREDIT CONTROL , LLC for committing identity theft. I have never given CREDIT CONTROL , LLC any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe them. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDIT CONTROL , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDIT CONTROL , LLC continues its collection efforts, I will file for litigation for actual damages caused and CREDIT CONTROL , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and collection of extensions of credit by extortionate means. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon my review of my consumer reports it has come to my attention that Mohela is reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft.

18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial instituti
on may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXXXXXX XXXX XXXX XXXX ) I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. XXXX XXXXXXXX servicer have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

See below on the 11 accounts that need to be deleted off my credit report immediately 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: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered on my credit report accounts that I did not recognize, so I contacted XXXX XXXX XXXX and requested evidence that the debt was mine. I requested this information so that I could be sure of what debt came from where before I started paying off anything. I then contacted Equifax and XXXX to let them know that I have asked XXXX XXXX XXXX to validate the debt as mine. XXXX XXXX XXXX received my validation request on XX/XX/2020, and XXXX and Equifax received my notice that a request to XXXX XXXX XXXX was sent on XX/XX/XXXX. I see that both my Equifax and XXXX reports were updated and now show that the accounts are in dispute ; I requested to XXXX XXXX that they temporarily cease the reporting of these accounts during my investigation, and I requested that Equifax and XXXX  enforce the FCRA and stopped any reporting of invalidated debts if XXXX XXXX XXXX failed to do so. None of the 3 parties involved have temporarily removed the accounts and are currently violating my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to FIFTH THIRD BANK NA. I am requesting that all late payments markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you correct the said account. Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone with a similar name filed a Bk in 2013 and it is listed on my credit report with Transunion and XXXX. I have never given XXXX XXXX written permission to provide this information to ANY consumer reporting agency. I have wrote the courts and the responded saying that they do not provide any personal information to any credit bureaus. I have reached out to Transunion and XXXX and they both said that XXXX XXXX provided them the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit line with XXXX XXXX XXXX ( XXXX XXXX XXXX ). I enrolled the balance into a debt relief program XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX which forced the debt to go into collection and later on sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reported XX/XX/XXXX ). XXXX XXXX has reached a settlement a agreement with XXXX and the agreed amount was settled and fully paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted XXXX on XX/XX/XXXX and they asked for XXXX XXXX to contact Financial Recover Services at ( XXXX ). I contacted XXXX XXXX same day but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence. Shortly after, Financial Recovery Services called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of XXXX. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done on XX/XX/XXXX more than a month ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts are reporting on my credit report XXXX/XXXX XXXX XXXX XXXX XXXX  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

On XX/XX/2023 I looked at my Clarity credit report and found inquiries that I didnt authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I disputed items with Equifax on my credit report that did not belong to me. According to FCRA they have at most 45 days to complete my investigation or items should be removed.its been almost four months and nothing has happened these items ( 1 ) XXXX XXXX  act # XXXX ( 2 ) XXXX XXXX XXXX acct # XXXX ( 3 ) XXXX  XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

US BANK keeps reporting a fraud account on my credit report that does not belong to me!! I have been trying to get this matter resolved for years now but they ignore my communications and will not address nor help me to resolve this. the account was opened in XX/XX/2014 with a balance of {$6600.00}. this is not my account nor was it opened by me!!!
Product: Debt collection

Again, this is my XXXX attempt to figure out what is going on and how is such obvious misconduct by these individuals who work for this corporation are continued efforts to harras and illegally collect on a default Judgement. 
XX/XX/XXXX their license fees had been paid but I question that after Washington state new laws that went into affect XXXX of XXXX, where they properly licensed to collect debts in XXXX  XXXX by XX/XX/XXXX, when they filed a civil action against myself? 

XX/XX/XXXX XXXX XXXX withdrew his foreign registration to do business in XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

File # XXXX reason : reason- I contacted Transunion on XX/XX/2019 to dispute inaccurate reporting items listed in my file.I do not believe it is correct. Transunion sent me back a dispute result where they claimed to have verified in which Transunion has not furnished any documentation whatsoever which means they are reporting false information.
Product: Debt collection

THERE ARE 6 ACCOUNTS THAT WERE OPENED USING MY IDENTITY. SIX!! ALL ACCOUNTS ARE FRAUDULENT.
Product: Checking or savings account

We completed an online application at Cit Bank for a " high yield '' savings account on XXXX XXXX, XXXX. We immediately received an email stating that they needed additional information, but did not indicate what information they needed. The email indicated that they would contact us by phone or email to let us know what they needed. We didn't hear anything else from them until XX/XX/2022, when we received an email stating that they declined our request to open an account. 

I called customer service number on XX/XX/2022 to ask why they would not open the account. I was informed that they would not ( and " did not have to '' ) provide the information to me over the phone. The customer service representative said we would receive a notification in the mail. As of today, XX/XX/2022, we have not received the notification with the reason for the denial. 

In the meantime, we reviewed a copy of our XXXX reports, and there is nothing negative on the reports. I think we have a right to know the reason we were denied an account. Further, I am concerned that the high APY advertised was used as a bait and switch tactic to gain access to our personal financial information and review our credit reports for their own marketing purposes.
Product: Credit reporting

Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more XXXX years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home
Product: Credit reporting, credit repair services, or other personal consumer reports

In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX Balance : XXXX ; XXXXXXXX XXXX  XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX CT XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXXX Opened XXXX XXXX, XXXX Balance {$570.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$240.00} ; XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Checking or savings account

Could not resolve the issue with XXXX cause they will not answer the phone! 
Interest for XXXX has not been credited to my savings act!
Product: Debt collection

Received the Following Email : XXXX XXXX Legal Notice -Loan Payment XXXX / Spam XXXX XXXX XXXX To : XXXX XXXX Bcc : XXXX XXXX, XX/XX/XXXX at XXXX XXXX For your security we disabled links in this email. If you believe it is safe to use, mark this message as not spam. 
CASE NO : XXXX Loan account : XXXX Amount Outstanding {$880.00} Original creditor -XXXX XXXX XXXX Amount : {$450.00} ( Till XX/XX/2020 ) This is the last and final notification as we are going to proceed with the legal charges against you and you will be soon served with the court papers. If you really want to avoid the situation, we merely require you to contact us back to make the payment. 

Just in case we do not hear back from you, we will proceed further with the charges and we have the entire right to inform your employer about the situation, garnish your wages and freeze all your bank accounts. 


Please respond ASAP as you have two business days to respond. 

You have to further contact with our manager XXXX XXXX XXXX XXXX Email Address : XXXX XXXX XXXX XXXX XXXX parent company of 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 and many more. 







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

FICO-8 Experian score has been XXXX for over two years. 
XXXX, XXXX improperly and illegally reported my account with them as closed with a balance ( after contacting them, they admit several accounts were " accidentally closed '' due to a computer error XXXX XXXX, XXXX. 
The action from XXXX immediately dropped my FICO-8 score with Experian 11 points ( obviously due to what they perceived as suddenly more debt to credit available ). 
XXXX, XXXX XXXX used this incorrect fact as an action point to their advantage in late XX/XX/XXXX to notify me of an INCREASE in APR on account balance with them in excess of 5 percent ( this annual APR was a variable prime plus rate which equals 15.24 percent currently ). XXXX increased credit rate to annual APR of a variable prime plus rate of 20.24 percent effective XX/XX/XXXX. 
I had not been monitoring my credit profiles save for my free annual reports ( last was summer XXXX before the above happened ). After XXXX notified me of their pending increase, I research the cause. Contacted XXXX to fix my account status - file dispute with them and Experian. Experian and XXXX say " the problem was fixed '' within a couple days of their reporting " computer glitch '', but did not go further in fixing my Experian credit profile. 
Now I'm to the point of disputing their results of my original dispute. XXXX says it isn't their problem and glitch was fixed on their end. XXXX doesn't care because they say they formulate credit decisions based on current information in Experian credit file, whether accurate or inaccurate. 
This brings me to the final cog in the wheel, Experian. Even if my dispute was valid, they won't go back and restore the FICO-8 score that was reported to XXXX in the intervening time AFTER XXXX caused the problem and I discovered it after XXXX  XXXX has already taken punitive action against me.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$7600.00}
Product: Credit reporting

XXXX debt of {$580.00} is not mine the name is XXXX XXXX i do not know who this person is. Please remove this debt on my credit report also i am divorced from my husband XXXX XXXX in XXXX 2015 and he has the XXXX XXXX XXXX. I have removed my name from XXXX please remove my name on this debt. XXXX has the car.
Product: Checking or savings account

In XX/XX/2020, we issued a check for {$3000.00} to a law firm using Bank of America 's billpay service. They mailed a physical check to them. 

Somewhere, the check was intercepted, and deposited by a third party. We do not know who it is, but the cancelled check has their bank account information. 

The check was never endorsed by anyone, so it was never properly payable, and should never have been accepted as a deposit. According to the UCC, we are not liable for this banking error. 

We have been trying to resolve this with Bank of America for nearly six months now, and have gotten nowhere. The liability is clearly on them, and we are due an immediate refund for the {$3000.00} for the improperly accepted check. They are dragging their feet regarding " research '' and have missed every resolution deadline they promised. 

The bank clearly owes us {$3000.00} for their error. Checks CAN NOT be deposited when they are not endorsed.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was on board a XXXX XXXX flight and was told by the flight attendants of a credit card offer. If I applied in-flight for the XXXX XXXX XXXX Credit Card, I was eligible to receive XXXX miles, which is valid for 7 round-trip flights. I filled out a paper application, which included my social security number, income, address, birthday, and more, and gave the application to the flight attendant. 

It has now been approximately 2.5 weeks since this application. Because of the delay, I tried checking the status of my application both over the phone and online, through Bank of America. I was told that no application existed with my information. 

Following this, I called Bank of America and spoke to two representatives on XX/XX/2018, who transferred me to various departments because they could not find an application, either. Finally, the third representative I spoke with told me that the offer of which I was speaking was valid only from XX/XX/2018 through XX/XX/2018. There is another offer, the representative told me, for the XXXX XXXX XXXX XXXX credit card, but this is not the card for which I applied, and I was not told at any point that this world credit card was the " Elite '' card. This representative suggested that I contact XXXX XXXXs, the Federal Trade Commission, and the Identity Theft hotline. 

I called XXXX XXXX on XX/XX/2018, and was directed to file a complaint online. I did this on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I did not authorize the following inquiries : XXXX XXXX XXXX XX/XX/year>, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>.