23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a bill on XX/XX/XXXX from Elevate Recoveries , LLC collecting for their client XXXX,  XXXX with the original Creditor XXXX XXXX XXXX XXXX, XXXX. XXXX has tried with 7 different Collections agencies trying to collect on this debt. I have requested on 6 other occasions to validate this debt with the Original bill, signed Hippa document along with a copy of my driver licenses. Each time documents have never been sent to validate this date. 

I spoke with XXXX at ext XXXX on XX/XX/XXXX requesting that the debt be validate with the bill, signed hippa form and a copy of my drivers license, XXXX stated that they only had to send the bill and she would request this information from XXXX. 

I spoke with XXXX XXXX XXXX XXXX and they informed me to request this information from the Collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial removed their bureau report from my account resulting in an upswing in points. Ally has twice reported the same account to my bureau report that, including late payments from XX/XX/XXXX and XX/XX/XXXX, that have been negatively impacting my credit again. I do not understand why the entire account is reporting after being removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$XXXX} Credit Card XXXX XXXX XX/XX/XXXX {$XXXX} Charge account XXXX  XXXX XXXX XX/XX/XXXX {$XXXX} Credit Card XXXX  XXXX XX/XX/XXXX {$XXXX} Credit Card XXXX  XXXX XXXX XXXX XX/XX/XXXX {$XXXX} Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXXXXXX XX/XX/XXXX {$XXXX} Credit Card XXXX XXXX XX/XX/XXXX {$XXXX} Credit Card XXXX XXXX  XXXX XX/XX/XXXX {$XXXX} Credit Card XXXX XXXX XXXX XX/XX/XXXX {$XXXX} Credit Card Inquiries XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Debt collection

On XXXX XXXX XXXX XXXX I sent a certified letter to IQ Data International to validate the debt. In the amount of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXX Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. I have also seperately online disputed these accounts as well with experian and XXXX and XXXX but they keep coming back fromt the creditor as verifed.
Product: Credit reporting or other personal consumer reports

I need to report that I was a victim of fraudulent activity. In my research, I learned that to remove fraudulent items from my credit report, I must file an identity theft report with the Federal Trade Commission ( FTC ) at XXXX : XXXX. According to FCRA Section 605B, credit reporting agencies must remove items listed in such a report, reference number XXXX. Attached are the necessary documents to aid in removing the erroneous personal information and inquiries from my report. The items listed below were opened without my authorization : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -XXXX  : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MTG XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Per FCRA Section 605B ( a ), credit reporting agencies are required to remove any items identified as resulting from identity theft within four business days of receiving the report.
Product: Credit reporting or other personal consumer reports

I contact Lobel Financial to discuss about the account they have under my name and they said theres no account with none of my information file, I try to apply for credit and base on a credit background check this account that Lobel is reporting to my credit ends with the social XXXX and this social doesnt belong to me, they dont have my social, address, name or phone number attached to none of their accounts. This charge off reporting is making it impossible for me to get credit and I need this removed ASAP or I will be pressing charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX XXXX XXXX XXXXC XXXX Balance : {$0.00XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the bankruptcy on my credit report at XXXX on XX/XX/XXXX and on XX/XX/XXXX before XXXX it came back as verified. I called on XX/XX/XXXX to understand 1. how it was verified in less than 12 hours, and 2. Whom they verified the event with. They continue to state that they verified it with XXXX. I have been in contact with XXXX for months and they Did not have a bankruptcy on my file in XX/XX/XXXX or XX/XX/XXXX ; therefore, for Transunion to state that they investigated with the data furnisher XXXX and the data furnisher confirmed it was accurate is a blatant lie. The representative told me that I need to call XXXX XXXX and have them call Transunion or I need to have the court call XXXX. I have already contacted the court and they did not provide this data, and I have already called XXXX and got an updated consumer report and they did not furnish this information either. Why is Transunion allowed to just flat out lie?
Product: Debt collection

I have Exceeded numerous times im only available Sunday from XXXX! I cant be on my phone Monday-Saturday because of my job dont allow phones. This company SPRING OAKS CAPITAL LLC repeatedly Calls me doing the week. Even after I told them I refuse to pay this debt in writing. They Repeatedly calls me Knowing Im unavailable. In 15 usc 6092 Ceasing communication- If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate. Reporting to my consumer report its still a form of communication
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Update the account 's information : XXXX  XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 PayPal closed my account for no specific reason. They have frozen my funds also which is {$23000.00}. I have not been able to get help from them and I just remembered I could file a report on here. I feel they are not doing their job properly and holding my funds unjustly and it is effecting me a great deal. I have XXXX  kids and with XXXX  and the frozen account it is making my life very difficult. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2300.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$1400.00}
Product: Credit card or prepaid card

I paid {$800.00} on my credit card and the company has cashed the check but did not post to my account and keep hanging up on me or acting like they can't hear me. Have set up 2 appointments for them to call me and they say they called but they never have
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit card

I disputed a charge on my debit card of XXXX for not getting my product delivered to my house by XX/XX/year> i paid extra for that date on XX/XX/year> i put the dispute in with bank of america they said i would get a credit after XXXX business days i did not.Even i fax them cancel order no refund.
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX XXXX XXXX reporting on my credit report that is not mine. I don't know where it came from. Maybe it is reporting in error. But in any case, please assist me in getting this removed from my Transunion credit report.
Product: Debt collection

To whom it may concern : On XX/XX/2019 I wrote a letter to Trans world Systems, XXXX XXXX XXXX, XXXX, DE XXXX ( collection Agency ) concerning medical bills ( 3 ) in total. I requested proof of contract to substantiate their claim to collect. They responded with a bill, not the proof I requested, within 30 days. On XX/XX/2019 I wrote another letter stating they are violating ( The Health and Insurance Portability Act ) giving them an additional 30 days to respond, with proof that I have a contract with them, and they sent nothing! So, on XX/XX/2019 I wrote another letter to ( Trans world Systems ) a third time giving them an additional 10 days requesting proof, they sent nothing. On, XX/XX/2019 I wrote a letter to XXXX XXXX the ( original creditor ) asking them to send me proof that I gave them permission to give my medical info to a 3rd party ( Trans world Systems Collection Agency ) they never responded. I'm filing a claim against Trans world System Collection Agency who has continually reported to the three credit reporting agency derogatory medical collection, violating the law. Please assist me in this matter, as you can see I've communicated with them several times month after month to no resolve. Thank you for your time. 

It's reporting on my credit file as follows : 1. Trans world System, Partial Account # : XXXX, Amount : {$430.00} 2. Trans world System, Partial Account # : XXXX, Amount {$120.00} 3. Trans world System,  Partial Account # : XXXX, Amount {$120.00}
Product: Credit card

Bank of America disclosed my credit card information to XXXX without authorization. I do have a relationship with XXXX but I am not contractually obligated to XXXX. As a result of an unrelated fraud event, my credit card was replaced. 

XXXX attempted a charge and the charge was declined. Subsequently, Bank of America provided the correct credit card information to XXXX and they charged my account. 

Bank of America is pointing to the terms and conditions as reason for the unauthorized disclosure. However, I am not contractually obligated to XXXX and there is no agreement for continued services.
Product: Checking or savings account

It is XXXX XXXX and Capital ones system is down and I have not had access to my updated funds. This has caused an extreme convenience as I had bills due by this morning that will cause late fees galore. They should atleast offer some sort of bonus pay for this, but they havent offered anything. They will lose many customers over this technical problem.
Product: Vehicle loan or lease

Hello, BMW has received this vehicle and they're reporting it as an Account charged off. The Term of the contract was 36 months and they're reporting as 38 months. I paid all 36 months as agree in the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continues to provide my credit report to other companies without my consent after opening an account in my name without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave XXXX two check with her both cashed and merchant received the money from my bank account yet Certegy check services states check were still unpaid. I have attach copy of paid transaction from my bank showing checks were paid to merchant.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 US 1681. 
XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX to report it as student loan being closed. Either XXXX payment or {$5000.00} payment I only owe for student loan I borrow to help me finish my career in music. Which I was unsuccessful complete it with music degree. XXXX XXXX XXXX and XXXX XXXX. {$2500.00} each by both Colleges. My XXXX  didn't have the funds to put me through college. Also had my XXXX depending on me to support them through school. I feel that I am being discriminated against because of my XXXX XXXX and XXXX. My XXXX was there financially to support me through high school and college. But I was there for my XXXX financially to support them through schools. That difference between XXXX XXXX my XXXX By preventing from being equal.
Product: Debt collection

XXXX [ XX/XX/2021 ], I entered into a lease agreement with XXXX XXXX XXXX for a one-year lease, which I paid upfront in full. Unfortunately, my experience at XXXX XX/XX/XXXX took a very distressing turn due to a series of events beyond my control. 

During my time at the apartment complex, I became the target of unwelcome and frightening harassment from an individual residing in the same building. This person not only stalked me but also committed theft, including stealing personal items such as underwear from the laundry room. I promptly reported these incidents to the leasing office at XXXX XXXX XXXX, hoping that they would take the necessary actions to ensure my safety and resolve the situation. However, despite my numerous complaints, the management did not adequately address the issue or provide me with any sense of security. 

As a single woman living alone, I began to fear for my personal safety and well-being. The stalker knew where I lived, and the situation escalated to the point where I genuinely felt my life was at risk. Under these terrifying circumstances, I reluctantly made the difficult decision to vacate the apartment for my own safety. 

I acknowledge that I neglected to provide the required three-month notice for lease termination. However, I believe it is essential to understand the extraordinary and compelling circumstances that led to my departure. I firmly believe that my decision to leave the apartment complex was a matter of personal safety and security. 

I am kindly requesting your assistance in pursuing a goodwill deletion of the outstanding debt associated with XXXX XXXX XXXX. I understand my financial obligations, and I am committed to fulfilling them to the best of my ability. However, I hope you can empathize with the exceptional circumstances that prompted my early departure. 

A goodwill deletion would not only provide me with some relief from the financial burden but also enable me to move forward with my life with a sense of closure to this unsettling chapter. I have learned from this experience and am eager to rebuild my financial stability. 

Enclosed with this letter are supporting documents, including incident reports filed with the leasing office, which substantiate the claims I have made about my unfortunate situation at XXXX XXXX XXXX. I kindly ask that you review these documents and take my plea into consideration. 

I am grateful for your understanding and assistance in this matter. Please feel free to contact me at XXXX or via email if you require any additional information or documentation. 

Thank you for your time and attention to this request. I look forward to your positive response and resolution of this issue.