23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT SINCE IT WAS A SHARED BANK OF MAILBOXES AND SOME FRAUDULENT ACCOUNTS LISTED OUR OLD ADDRESS. UPON RECEIVING SUSPICIOUS FOREIGN BILLS AND COLLECTION NOTICES AT OUT NEW ADDRESS WE PULLED OUR CREDIT REPORTS TO SEE WHAT WAS GOING ON. WE DISCOVERED IDENTITY THEFT AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES. INDEPENDENTLY WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE ID THEFTS/FRAUDULENT ACCOUNTS, NOTIFIED ALL THE APPROPRIATE CREDITORS VIA CERTIFIED MAIL, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE XXXX XXXX XXXX XXXX AS WELL. ALL OF THE CREDITORS OF THE FRAUDULENT ACCOUNTS EXCEPT CAPITAL ONE AND THEIR COLLECTION AGENCY XXXX XXXX XXXX HAS HONORED OUR IDENTITY THEFT REPORTS AND OTHER CERTIFIED DOCUMENTS. THEY CONTINUE TRYING TO COLLECT ON THIS DEBT DESPITE ALL OF OUR NOTIFICATIONS AND NOTARIZED AFFIDAVITS THAT THIS DEBT IS NOT MINE. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS THIS FRAUDULENT CAPITAL ONE ACCOUNT XXXX BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED BY THEIR COLLECTION AGENCY ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ). 2 FRAUDULENT CAPITAL ONE ACCOUNTS WERE OPENED IN MY NAME AND LISTED ON MY CREDIT REPORTS AND ID THEFTS AFFIDAVITS. ONE WAS DELETED WITH NO ISSUES YET THESE ORGANIZATIONS REFUSE TO HONOR THIS FRAUDULENT ITEM. *****IN ALL OF MY REPORTS FILED I HAVE NOT LISTED ANY INCORRECT FACTS, I HAVE NOT MISTAKENLY FILED A REPORT, AND I HAVE NOT BENEFITED FROM ANY OF THIS FRAUD. ******
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account whhttps : //portal.consumerfinance.gov/consumer/s/login/ich 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 is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


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 these accounts from my file. 

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 XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX AFFIRM INC XXXX Balance : {$600.00}
Product: Debt collection

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX/www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account 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 account/item which do not belong to me or were opened without my permission.

I C SYSTEM XXXXXXXXXXXX Date Opened : XX/XX/20 Balance : {$540.00} 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: Debt collection

My husband received a call from a man who stated he was with Midland Credit. He did not ask who he was speaking too, just started rattling off information about an account that I, XXXX XXXX had. He never even disclosed his name. He told him last time I made a payment, and that I may have many options, and that if I don't resolve this matter, that they are going to send my account to an attorney and sue me. This call happened on XX/XX/2020. They never verified who the debt belonged too, they DID NOT read the mini miranda.

They called from an unknown number. 
There phone number is XXXX. 

I realized when I went to their website I, have an account with them, but I received no calls and or letters. I have another account I am paying monthly with them. Not sure why they would call someone else and not verify who they were speaking too. I am willing to pay my debts but I will not be threatened and I feel my privacy was violated and they did not properly identify themselves or confirm who they were speaking too and advise this was an attempt to collect a debt.
Product: Debt collection

I originally contacted XXXX to resolve the final bill that was sent to me. My service was turned off a day before I switched to a new carrier. I had already made payment arrangements to pay the bill on my next payday in which they took. Then I get a new bill with charges for the month plus reconnection fees for each phone. They were no longer my carrier so they could not charge such fees. I called to discuss the matter and they would not discuss it because I could not remember a pin number so they just sent it to collections. I never new I had a pin because everything was set on autopay and never needed that info. The last months bill was returned due to insufficient funds but was paid at a later date. I switched carrier at the close of my cycle and all phones were paid in full that's how I was able to switch with the same numbers. I responded to an email sent to me by Radius Global Solutions trying to collect a debt that I don't owe explaining that the bill is incorrect. They responded that the bill is correct and that I owe and proceeded to add the collection to my credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of my rights. 
XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

The company is ACSI. They are continuing to robo-call my cell phone after I've asked them to remove my number from their autodialer. I am willing to receive a call from a human being there if they wish to discuss whatever debt they're calling about, but the TCPA is rather clear on robo-calls to cellphones. I called them back and recorded it with their knowledge, in which I informed them of the law in this case and asked for my number to be removed from their autodialer. Then, I posted a redacted version of the call ( excluding my number and their company name with brownian noise ) on my XXXX profile here : https : XXXX I also have a non-redacted mp3 of this call, if there is a place where you would like it sent.
Product: Debt collection

XXXX XXXX, the original creditor, sent me a letter stating that they performed an investigation and found that I am not responsible for any previous or further balance on any accounts with their company. The accounts ( 2 of them ) associated with XXXX  XXXX were not opened by me yet they are both showing up as collections on all 3 credit reports and still being reported by the 2 debt buyers ( Midland Funding & XXXX XXXX XXXX ). Neither should be there ( ever ) and I'd like them REMOVED ASAP! Not showing as " closed '', not as " collections '' - all traces REMOVED COMPLETELY! I will attach the letter from XXXX XXXX admonishing me from all responsibility on these accounts.
Product: Credit reporting or other personal consumer reports

I XXXXXXXX XXXX have notice some unauthorized increase appearing on my credit reports. 


I did not authorize these inquiries XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXin Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I contacted National Business Factors to pay medical debt and have the account removed from my credit report. They refused to allow me to pay the original balance and want to charge me interest that is not part of my agreement with the original creditor. I asked for the deletion to be confirmed in writing and they refused.
Product: Debt collection

On XXXX XXXX I received a phone call from AFINI stating it was an attempt to collect a debt. I asked the rep to send me a letter and proof of said debt. 

2 weeks later I received a bill from AFNI by way of XXXX. The bill was not enough to verify the account. I have asked for verification but never received anything other than a bill. This account is now on all three of my credit reports and I was not given the opportunity to verify. 

The alleged debt is for the amount of {$530.00}. 

The collection company is also not license to collect in the state of TN.
Product: Credit reporting or other personal consumer reports

I trust this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Im in the process of refinancing my home and Im scheduled to close on XXXX. I was just notified by my mortgage lender that theres an Abstract Judgement ( attached ) in the amount of {$4100.00} for a credit card debt that was placed by an attorney representing Capital One. This to me would be a violation of Section 1006.22 ( e ) ( 3 ) of FDCPA because Texas state law ( section 52.003 Property Code ) prohibits liens for credit card debt to be placed on a homestead. When I called the courthouse where the case was presented on XX/XX/2020 to inquire about the lien being placed on my homestead for a credit card debt, I was informed that the judge signed a Default Judgment ( attached ), not the Abstract Judgment that the attorney had recorded with the County Clerk. In addition to possible fraud, this could potentially be a violation of UDAAP for deceptive and abusive practices.
Product: Debt collection

THIS WAS DISCHARGED IN BK IN 2012 AND THEY KEEP REPORTING IT TO MY CREDIT AS RECENTLY AS LAST WEEK.
Product: Credit card

I was only given a number ( XXXX ) XXXX that when you call only gives you the option to accept the change in interest rate and a bunch of other fees or the option to close my account. I had no choice but to close my account which they immediately did then booted me off of their app that I would use to pay my monthly bill. I had to find the card, and sign up on my desktop in order to pay the bill. The letter they sent me was incredibly confusing and aggressive about all of the changes in my interest rate and fees they would charge to send me paper statements and other fees I did not understand. In addition, I could not get anyone live on the phone to speak to about this, but they were very aggressive in requesting " feedback '' so it was in that space where I advised them I needed clarity but never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an alert today from my credit reporting as to a mortgage hard inquiry. It was from a bank- XXXX XXXX XXXX  XXXX I did not apply for a mortgage or any loan or credit card. It is reported by Equifax
Product: Vehicle loan or lease

I purches my car through USA Auto.I had this car for a year and my balance havent changed.I pay every 2 wks i paid 3 weeks on this car and didnt kno XXXX took over.Went to look at my account everything gone wthout a trace.After viewing my payments iam paying double for this car like XXXX dollars for a XXXX car.Dont kno wheres my money going at this point.Lost warranty on the car i really feel like this fraud and thy not stateing proper information on the paper work.If i let the car go back it might hurt my credit but i cant pay XXXX for a XXXX car.My pay off been the same for a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This reporting company reporting over 67 variation of my address. I have called them few times and they put me on hold and then they hang up which super frustrating! All the addresses must be deleted since they are inaccurate I had already uploaded my DL to them with my accurate address! Company must delete all veriation of my address there should only one accurate address which is on my California drivers license
Product: Debt collection

Today ( XX/XX/year> ) I received a phone call and XXXX from the number ( XXXX ) XXXX. The XXXX was generic and said I owed a debt and threatened legal action if I didn't call the number back. I did so and spoke with someone ( a woman with an American accent ) claiming that I owed a debt from Lending Tree and that they were going to garnish my wages at my place of employment, if I didn't pay immediately. Not only have I never done any business with Lending Tree, but also they wouldn't provide me with any info about their company, including the company name or address or specifics about the debt. After asking for those minimal details, and being called names like sassy, I was hung up. I called the number back and a different person answered, and again I was hung up on when requesting the name of the company. When I called back a third time, the call was not picked up and instead sent to a XXXX. On the XXXX the person said the company name of XXXX. I tried googling this company but nothing came up. I don't know if this is a legitimate attempt at debt collection. There was never any advisement that it was an attempt to collect a debt on the XXXX and I have no way to dispute the veracity. The first representative claimed they mailed me a notice in XXXX and listed a previous address of mine. I need to dispute this but have no way to do so. I am concerned this is a scam.
Product: Bank account or service

In XXXX of 2015 my ex girlfriend stole someone 's checks and cashed them in our joint account. I contacted the bank and asked that they remove me from the account and they said that she must be present for them to remove her. This was impossible to do as I was to have no further contact with her. I filed a claim with the New Jersey Consumer Affairs Division and they referred me to the New Jersey Department of Banking. The did nothing to resolve my issue in removing me from the bank account. The bank has now put me in collections for the total amount due and I do not owe this she was the one who stole the checks and cashed them. If they would pull the security footage from the ATM Machine that she used it will show her doing it. I have copies of the checks and it is her handwriting on them. At the time I was away from my home and did not have anything to do with this.
Product: Credit card or prepaid card

I purchased replacement parts for my Sears stove via telephone from XXXX because the website was not loading. I used my Sears store credit card for this purchase which totaled {$210.00}. After the purchase, I contacted Sears credit card customer services and asked if this amount was eligible for a 6 month promo. The rep put me on hold to check if this was possible, and came back to the phone call and said yes, she would put this purchase on a 6 month promo. She read to me all the terms and conditions, i.e., interest would accrue, if I do n't pay it off in 6 months the interest would be charged, etc. I then advised her that I currently have another 6 month promo on this card, and wanted to make sure as I make my payments, the payments would be applied to the promo that ends first, and she said yes. Based on our conversations, when the call ended I was certain that this purchase had been placed on the promo we discussed. However, today, I get an emailed letter from Sears credit services, saying that a " request '' was submitted to apply the promo to that purchase, and they will review the request and get back to me in 2 billing cycles.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX opened fraudulently on XX/XX/year>. Contacted them and let them know it was fraud. Now I world like the hard inquiry removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I sent written request to XXXX, Transunion, XXXX  requesting physical verification of the original signed consumer contract accounts posted on my credit report. I requested that validated these for debts that were being reported. I have never received any physical copies.In the results of the first investigation they stated in writing that you verified that these items are being reported correctly with out any proof. I then sent a letter asking who verified these accounts. Which they were not able to provide any proof. On XXXX XXXX 2017 repeated the same process. I still have no physical verification.
Product: Credit card or prepaid card

American Express Serve gave us a temporary card but it will not work. We tried calling three different phone numbers for them and are either on hold for many hours or get hung up on without being put on hold. We never received our actual card in the mail and realized that they didnt have our apartment number down when we tried to fix the address so they could send a replacement card it says to call customer service but they dont answer the phone and Ive read hundreds of reviews saying that they cant get ahold of this company either and it seems like this company is trying to steal our money. Weve had problems with trying to contact this company since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did, they stated everything was accurate. 
I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 

1. Account name : XXXX XXXX XXXX XXXX XXXX  : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the fair credit reporting act XXXX 1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a IRS Form 1099-K stating that I had an account with cash app. Account number XXXX I never set this up. I do not have a cash app account! 
According to the 1099-K Form Block , Inc. f/k/a Square Inc XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX had XXXX payment transactions into cash app account XXXX ( the account set up in my name by ID theft ) in XXXXXXXX XXXX XXXX for a total of {$10000.00} I did try to call cash app. the call taker would not take my name the account number, but told me he opened a fraud case. Not sure how he did that without any information. Would not let me speak to a supervisor. I called my ID theft protection agency, and they got the run-a-round also.

Please help.
Product: Mortgage

I Apply for Loss mitigation package from Nations Direct Mortgage with the help of Housing counselor from XXXX XXXX XXXX XXXX XXXX, Loss mitigation was sent on XX/XX/2019 via fax by the housing Counselor,  with all documents request it. Since then I have been sending 5 different packages of documents via fax and email as well. Each time they asking for documents that we already had send previously. 
I have fax receipt, proof of sending emails and letter from Nations Direct asking for the same documents again and again. They have also asked for a bank statement from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
It has been 2 months already going back and forward and no answers. So my Housing Counselor XXXX XXXX recommends writing a complaint to Nations Direct Mortgage.,  But help that request it since XX/XX/2019 I Should have an answer already. 

Thanks, XXXX A.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lists my current employer as the one that I left in the summer of 2000 and has no mention of the employer where I have been working for almost18 years.