23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against AMERASSIST AR SOLUTIONS for committing identity theft. I have never given AMERASSIST AR SOLUTIONS any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any type of documentation requesting validation from AMERASSIST AR SOLUTIONS before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AMERASSIST AR SOLUTIONS can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 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 AMERASSIST AR SOLUTIONS 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 AMERASSIST AR SOLUTIONS continues its collection efforts, I will file for litigation for actual damages caused and AMERASSIST AR SOLUTIONS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. 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 card or prepaid card

I received an email from a Company pretending to be associated with XXXX XXXX. They said I received an award. It was a fraudulent enticement to purchase on a recurring charge a product. I learned from Citibank I had only 14 days to cancel the recurring charge. I was out of the country so was unable to access the information to stop the charge. The small print was not legible and I was not aware that it was a recurring charge. Besides I was confident that since I had a virtual account number from CitiBank, they would only charge me one time, for XXXX. I was shocked that they were able to use that virtual account number 2 times as you can see on my credit card statements from 2 different months. XXXX from Citi disputes said it was the same transaction. I differ with that as it was charged at 2 separate times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent off my disputes for Experian for account with XXXX XXXX and account number XXXX. I have no idea about this account and its the ONLY negative thing on my credit report. I would like for this other person account be removed from my credit file.
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 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 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: Debt collection

COMMONWEALTH FINANCIAL contacts me all the time, at work, on my cell, via postal mail & ive told them to stop contacting me. Ive also filed disputes with all the credit bureaus to remove this medical collection as it violates my privacy per the HIPAA ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed a letter requesting an investigation of questionable accounts listed on my credit report. I never received any results of an investigation and these unverified accounts are still listed on my credit report after 4 months of me mailing the request.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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  : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon examining my updates, fallacious information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as inaccurate information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX - XXXX Date:XXXX
Product: Credit reporting or other personal consumer reports

I went through my credit report and found a few billing errors. These late payments do not fit with my usual payment patterns. Please address these mistakes and update my account. Thank you!
Product: Debt collection

A number called me XXXX telling me I owed XXXX {$500.00} some and they were a debt collection agency. I proceeded to tell her thats false I owe them no money and she began arguing with me, asking am I just going to not pay something I owe. I called XXXX and theyve never heard of this and confirmed I dont owe them money. I also checked my credit report and its clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries from unknown companies. I have no recollection of doing business with any of the companies listed below. These inquiries occurred without my knowledge and need to be removed immediately. 

1. XXXX XXXX XXXX XX/XX/2020 2. XXXX XXXX XXXX XX/XX/2020 3. XXXX XXXX XXXX XXXX XX/XX/2020 4. XXXX XXXX XXXX XX/XX/2020 5. XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Product: Payday loan, title loan, or personal loan

I have a payday loan which I was paying weekly. I had issues paying it which led to issues with my bank account. I called and made a one time payment on a new debit card. I never agreed to or signed any paperwork stating that this card could be used for automatic withdrawls. Yesterday morning the payday company charged a {$50.00} payment without my consent. A phone call to a XXXX XXXX on their " legal dept '' got me nowhere. He had a condescending attitude & his only solution was to not to use my card. I want my money returned to that account.
Product: Checking or savings account

I was affected by Wells Fargos unlawful practices. My data was released by Wells Fargo and for compensation the bank promised for settle claims by the CFPB for banking violations. My data can now be found online because of this and recently I had fraud on my account from somewhere outside of my range and a location that I had never accessed in person before. Therefore, fraud was committed on the behalf of this scandal and caused my debit card to be closed making it difficult for me to live normally.
Product: Student loan

I took out this loan for $ XXXX from Sallie Mae in XX/XX/XXXX to pay for prerequisite classes for a graduate program, I was working full time and on the loan selected interest only repayment. 

In XX/XX/XXXX I began an intensive 28 month graduate program ( Physician assistant studies ) this includes 14 months of didactic learning and 14 months of clinical rotations. I requested deferment of this loan and waited the allotted period to hear back from SallieMae, communicating with them on multiple occasions. A representative at SallieMae told me to NOT PAY THE LOAN as they were considering deferment, then to my surprise after 2-3 months, I heard back from them that I was late on payments and the loan would be turned over to collections, all this time thinking I was being considered for deferment. 

I began trying to pay the necessary monthly payment at that time, however I currently do not have income as my graduate program requires us to not work, I am paying out of state tuition and receiving coverage of my living expenses via GRAD PLUS loans, which do not account for some necessary expenses such as car or health insurance. I have made multiple calls to SallieMae requesting alternative payment options, payment reduction, any options on deferment due to special circumstances, etc. My last conversation on Monday XX/XX/XXXX the agent at Sallie Mae explained I had no options to reduce payments or alternative payment plans, they suggested I find someone to help me pay the loan. I do not have friends or family available to help pay the loan or to cosign on a refinancing option for the loan. I am hoping to get help resolving this as I do not want the loan to go to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE is not under any LAW required to report any of my private consumer transactional information. CAPITAL ONE HAS THE OPTION TO REPORT MY INFORMATION TO THE CREDIT REPORTING AGENCIES which is why the consumer has the RIGHT to demand financial institutions to withdraw their reporting under 12 CFR and the FCRA. I have placed CAPITAL ONE on PROPER NOTICE on XX/XX/XXXX that I under 12 CFR 1022.24 and 15 USC 1681b permissible purpose request that CAPITAL ONE CEASE ALL REPORTING OF MY CONSUMER TRANSACTIONAL INFORMATION TO ALL REPORTING AGENCIES and was given 30 days to comply and perform their fiduciary duties accordingly. As of today XX/XX/23 CAPITAL ONE has received my Notice and have willfully continued to report my consumer transactional information against my request, against my RIGHT, against CFPB regulations under 12 CFR and against the FCRA. CAPITAL ONE appears to be acting on its own accord with a total disregard to the LAWs it is obligated to perform under. CAPITAL ONE is in willful noncompliance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX continue to report these inaccurate items on my credit report.
XXXX : The amount of the loan is incorrect, the date started loan is incorrect, the late payments are incorrect, the monthly balance is incorrect, the loan terms is incorrect.
<P/>
XXXX XXXX : Past due amount is wrong, late payments are wrong, status is incorrect.
<P/>
XXXX XXXX XXXX : The amount past due is wrong, the initial amount is wrong, status is wrong.
<P/>
XXXX XXXX : The last date report is wrong, late payments are wrong, the balance is wrong, the status is wrong.
<P/>
I have contacted all of these companies personally and they continue to state these items are verified and no change has been made. I have disputed these items with all three credit bureaus multiple times and I 've received reports stating these items are valid and no change. I am looking to purchase a home and these accounts are affecting my chances of getting approved. Please Validate these accounts or delete these items off my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I hope this letter finds you well, I wanted to bring to your attention a concern I currently have with Equifax. There was something wrong with my Equifax credit report to which there is a block or freeze on this application on the XXXX XXXX XXXX. I have tried multiple times to work out this problem directly with Equifax but I still could not gain access to your website as each time I am blocked regardless the browser or the device I use. Unfortunately I havent had much success with trying to resolve this issue with equifax customer service and thus far there has been no resolution to this problem other than to report this to the Consumer Financial Protection Bureau ( CFPB ). I kindly appeal to your assistance in helping to ensure that all forms of freezing, blocking or putting a hold are lifted from my Equifax report at the soonest so that I can continue going through the credit applications process without undue hindrance.

I wanted to literally say thank you for your timely response to this issue. 

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

On XX/XX/year>, I had an issue with Bank of America because they closed my account without reason and hold me money for 3 months. 

Last year I tried to open an account in a few banks an all of them declined my application. When I checked XXXX I noticed that Bank of America reported Account closed. Reason : suspected fraud activity and any amounts owed have been paid You can check in my last complaint that they closed my account after their ATM broke when I was making a deposit, they hold my money for months. Every time I called Bank of America they treated me like trash when I was calling to know about my money. 

I did not owe them anything. I made a dispute on XXXX they just changed it to " suspected fraud activity with no monetary loss ''. I demand the proof that they have to report that information. I need that false information delete from my report. 
I made a lot of complaints against Bank of America and if you can not help me with this, I will go to court. 

Bank of America affected my finances for almost 3 months, and they keep affecting me reporting false information. On top of that XXXX is allowing them to do that because I disputed the information, sent them proof of what happened and they did not help me.
Product: Credit reporting or other personal consumer reports

Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted XXXX, XXXX, AND EXPERIAN on a matter that pertains to my credit. I have been a victim of fraud. I sent XXXX, XXXX, AND EXPERIAN a certified letter via XXXX to validate these accounts as asking to send original documents and a host of other things. The accounts that do not belong to me are : 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. I have not received any of the documents I requested. I have an account on my credit reports that does not belong to me. I asked to remove XXXX, XXXX, AND EXPERIAN the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing these accounts from all three credit bureaus ( XXXX, experian, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. These fraudulent accounts is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay XXXX, XXXX, AND EXPERIAN and the collection agencies could not provide that information. E-Oscar is not debt validation! I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe! You can not because this is not my debt nor do I owe anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEEED ORGINALS WITH MY SIGNATURE FROM THESE ACCOUNTS ABOVE.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX by XXXX XXXX. Sent me a physical letter stating a Confirmation of Account Closure for Account Ending XXXX. I have never had an account with XXXX by XXXX XXXX? 
XX/XX/year> XXXX XXXX : I received an email from XXXX XXXX that my email address has been changed. When I logged in I noticed that a different email was being used for the account. I contacted XXXX XXXX and they suspended as well as deleted my account permanently as per my request. 
XX/XX/year> XXXX XXXX Bank : I received a letter in the mail stating that I applied for a credit card but was denied due to the application " has been determined to be suspicious or potentially fraudulent '' XX/XX/year> XXXX  Credit Card Application Number XXXX Notice of Credit Card Application was not approved. 

IN ALL OF THESE INQUIRIES, I DID NOT APPLY FOR ANY OF THESE CREDIT CARDS OR REQUESTED THESE PROCESSES
Product: Mortgage

XXXX I just got off the phone with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX she told me that Select Portfolio Servicing paid my property taxes but they didn't pay all of the late fees. She said there is {$110.00} still owed ( it was a little less than that but every month it's late more interest gets added to it ) and they called them ( SPS ) and told them they can't take partial payments. They have not tried to cash the check that they sent them but they do still have the check. I told her I'll mail a check-in for the shortage so it doesn't get any higher because they have had months to pay it and haven't sent them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This serves as my follow up complaint addressed to the XXXX, XXXX, and TransUnion Credit Bureaus, in conjunction with the aid of CFPB. I have notified all three CRAs that I fell victim to identity theft. This written communication restate my request to have the inquiries linked to alleged identity theft erased and excluded from my credit file. The CRAs are mandated to carry out the removal of these specific inquiries within the stipulated timeframe. The identity theft report was previously enclosed with my initial complaint and is once again attached herewith. Furthermore, the information furnished by XXXX, XXXX and TransUnion regarding these inquiries is unfamiliar to me. Conversely, these inquiries were individually removed from other bureaus. Hence, I maintain reservations about the precision of the data being presented for each of these inquiries. Here 's the list of fraudulent inquiries that needed to be removed immediately : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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 USC 1681. 


XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 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 of 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

There is a fraudulent    XXXX   XXXX   XXXX    account on my credit report. I have sent an affidavit with a notorized police report stating the false account. The account was opened somewhere a round  2014  and is for an amount totaling around {$15000.00}. I have requested by an affidavit that they provide me with th  e ORIGINAL contract signed which is stated by federal law through the FCRA Section 609 ( a ) ( 1 ) ( A ). They have still not provided me with it. In Texas every creditor is required to be bonded through the Secretary of State in which the    XXXX   XXXX   XXXX   is not. Please remove all accounts from my credit report immediately. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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.