23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD RESURGENT ( IDENTITY THEFT & FRAUD ) XXXX  VIOLATION FCRA Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : DO NOT PURSUE THIS CASE, I AM A VICTIM OF IDENTITY THEFT AND FRAUD, IF YOU TRY TO ADD THIS ACCOUNT TO MY CREDIT REPORT TO TRY TO HARM ME ANY FURTHER I WILL SUE YOU FOR DEFAMATION OF CHARACTER IN COURT AND WHOEVER FURNISHED YOU THIS FRAUDULENT INFORMATION. 
THIS IS MY FINAL LETTER CONCERNING THESE XXXX ( FRAUD ACCOUNTS ) BECAUSE OF IDENTITY THEFT, RESURGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *.I DEMAND THIS ACCOUNT BECOME DELETED OFF MY CREDIT REPORT! * Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed these accounts that I wanted way more detail explanation on, and they need to be deleted/removed from my credit report. I'm demanding that these fraudulent accounts be removed the final time permantly never to return or I will be forced to sue in the court of law!. 

THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND XXXX 

FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 



RESURGENT CAPITAL SERVICES/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan was taken out without my consent. I called Stern Recovery Service and they wanted a {$1.00} fee paid by credit card not debit and i can't get a credit card unless this is fixed. It's {$1400.00} and I was not aware of this and I refuse to pay because that would basically be paying for someone who stole from me after being stolen from. I am not sure when this took place
Product: Student loan

I previously submitted a complaint regarding an unrequested waiver ( complaint # XXXX ). The response was that " Due to processing delay, XX/XX/XXXX was approved for override provided the following criteria is met : XXXX ) You make the monthly payment of {$300.00} within one month of XX/XX/XXXX, when you spoke with a FedLoan Servicing representative who advised of the override details and XXXX ) Your employment for this period remains certified. '' I made the requested payment on XX/XX/XXXX, and they have still not implemented the override/updated count.
Product: Credit reporting

In contacting Equifax to obtain a physical address ( not a XXXX ) in order to mail certified/registered mail. XXXX are not acceptable addresses to send certified/ registered mail to. I obtained with no problem same information from XXXX and XXXX where they did provide a non XXXX address without any problem or hesitation. Yet upon contacting Equifax for same information not only was their professionalism non-existent but they left me on hold for over an hour and ten minutes. In order to properly document a dispute to have my credit properly reported and reflect the correct credit score, the attempt was made to contact Equifax to obtain such information. All I got after this attempt was that Equifax does not have an address that receives Registered/Certified mail with no explanation whatsoever. To add further, in contacting directly I was placed on hold for an inordinate amount of time where call was never picked up. I had to call from a separate phone line altogether, speaking with Supervisor XXXX ( No last name provided ), where other call was still on hold while speaking with XXXX at the same time. It irks me that this company expresses customers/consumers are important to them. I beg to differ, not only was I treated like a second class citizen but my concerns now stem to whether they are reporting consumer credit information accurately given their blatant disregard for a consumer like myself trying to make a viable inquiry as to the financial credit reporting that this company is supposed to take seriously. To conclude, as a consumer I find this behavior deplorable, un-professional and seriously makes me question this company 's business practice on the treatment of customers/consumers, which now makes me question Equifax 's integrity on reporting financial credit information properly after my experience with them today. Thank you for your time and I look forward to CFPB 's response with regards to this matter. 

Respectfully submitted, XXXX XXXX.
Product: Credit card or prepaid card

I AM A SENIOR CITIZEN THAT HAS BEEN SCAMMED BY SEVERAL COMPANIES FROM XXXX TO XXXX. I HAVE PAID OVER {$17000.00} TO THESE TIME SHARE COMPANIES AND THEY HAVE DID NOTHING AT ALL. THEY WERE ALL MISLEADING AND I HAVE TRIED TO GET A REFUND FROM THEM AND MY CREDIT CARD. I HAVE BEEN UNSUCCEFUL. I HAVE ALL THE INFORMATION ON EVERY COMPANY THAT I HAVE PAID.
Product: Debt collection

Some keeps calling from Allied Interstate that I can barely understand asking me if my last XXXX of my SSN is XXXX. It is not me, and even if it was, I would absolutely never answer that question on the phone to someone who calls me claiming to be somebody. There are scams going on everyday with caller ID spoofs etc. This should be a crime or against some laws. I feel threatened that my identity is not safe etc. These kinds of collection tactics are extremely distasteful and useless. They need to use a better approach as anyone who would let them know their last XXXX of their SSN without verifying who they were giving it to on the phone is gullible.
Product: Credit card

The items I received from the merchant were chipped and defective. The magnetic strip was too weak to secure them in my car, causing them to slide off when the doors opened and closed. I have sent both video and pictures to the merchant to document the issue. The online advertisement promised tool-free installation, but later I received lengthy instructions and additional tools were required. This is misleading advertising. The merchant repeatedly offered a partial discount, but I declined due to the defective nature of the products, which were unusable. They provided a foreign return address in XXXX, with shipping costs exceeding {$50.00}, while the original purchase price was {$89.00}. This means shipping costs would be 55 % of the items price! I requested a prepaid return label, but instead of providing it, the merchant only offered further discounts and free returns, without addressing the return properly. I have repeatedly expressed my desire to return the defective and unusable items, but the issue remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

BANK XXXX XXXX XXXX Date opened XXXX XXXX, 2017 Balance {$9400.00}
Product: Debt collection

I had a loan with Midwestern Financial several years ago. I didn't pay it and it went to collection. I paid the collection item in full back in XXXX of this year to the third party collectors. As a matter of fact they drug their feet on updating the reporting and CFPB got involved and solved it. I can't remeber the name of the third party company. I think it was XXXX XXXX  in California. So I paid it XX/XX/2020 and then today Midwestern reports an unpaid collection for XXXX on my XXXX. please help me. I need it completely removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer repor
t relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Your agency is in violation!

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

XX/XX/17 I received a phone call from my ex wife that a number, XXXX, has called several times but the women will not give her name what company she works for or what the call is about, she only claims she has business with me ( XXXX XXXX ) that is most urgent or else if she doesn't get in touch with me. When I called the number the person refused time and time again not give her name or company or what the call was even about, she just keep badgering me on my Name address, SS # etc and would divulge nothing till I did so. I refuse and it is also unfair to ask for sensitive personal information to be given to a person that wont identify themselves. The company turned out to be NAR inc and the womans name is XXXX XXXX, once I was finally able to get what the call was about regarding a medical debt I had been paying out while waiting for insurance to verify if they had paid all they would I simply asked for a itemized bill and if the numbers matched I would pay the debt immediately. I did not get an itemized bill all I received was a one page letter saying the debt was verified. It also had 2 amounts one for {$42.00} ( the actual Debt ) plus a 40 % collection fee of {$16.00}. I have paid the full amount including the fee, however she called my ex wife several times after I said don't due to issues with her being my exwife and to be honest she has gone back to her maiden name so not sure how they got that number at all. I asked her several times not to call her and she did anyway. I also think the collection fee is unfair it isn't interest its obviously a fee they just decided to add for no good reason. I also have asked once again for an itemized bill so I can match it against the insurance payments but they refuse.
Product: Credit reporting or other personal consumer reports

Recently, I did an inyastigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from 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 XXXXXXXX ive tried to dispute this i wish i had all the letters ive sent out.
Product: Checking or savings account

Went to ATM, withdrew {$560.00} Did not dispense money screen said ATM could not be used until further notice ( have picture of screen saying this ) stayed for 10 minutes to see if it would dispense did not dispense the money I went through bank staff to communicate the problem and went through the proper channels and my claim was denied. I called the claims department, as instructed, six times until the denial
Product: Debt collection

On XX/XX/22 ML Zager P.C made an unauthorized and unlawful hard credit inquiry that negatively affected my credit score with all three credit bureaus. At no point in time did I, XXXX XXXX XXXX give them authorization to use my full name, date of birth, and social security number. I called their office at XXXX XXXX, XXXX XXXX XXXX, and a person there was very rude and unprofessional with me and said that I was making threats to file a complaint with the FTC. All of which is well within my rights to protect my personal private information.
Product: Credit card

I believe the account is invalid. XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their recordsXXXX XXXXXXXX
Product: Credit card

About 6 or 8 weeks ago, I began receiving texts & emails saying that my Bank of America debit card was being charged for purchases that I wasn't making. I contacted Bank of America, they sent me a new card. The fraud continued. They sent me another card. I changed all my passwords, I changed my phone number. I have done everything possible from my end. They are currently sending me my XXXX new card. The fraud continues. I got an email today saying that BOA authorized a XXXX payment. I initiated no such payment. I called BOA for the hundredth time, I can't stop these payments to people I don't know because I can't get into my account anymore, the person or people hacking me have changed my online profile. 
Bank of America was absolutely NO help at all. 
I called the XXXX XXXX police department, they suggested that I contact you. 
On a positive note, in the email I received just an hour or so ago about the XXXX payment, there were names & a phone number. 
Apparently the people hacking me are : XXXX XXXX, his number is XXXX XXXX XXXX XXXX and XXXX XXXX, email address XXXX I am at my wit 's end. I have been dealing with this for 2 months, it is ruining my credit, I can't pay my bills ( which I mainly did by auto-pay ). My BOA account is frozen ( to me ), and BOA apparently have no idea how to stop this, even though I have asked them to repeatedly. 
Please help!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last few months I'm getting application letters denied by requesting credit cards that I haven't applied for and that affects my credit. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Amsher Collection Services Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with XXXX XXXX XXXX and Credence Resource Management. I sent my first verify dispute letter on XX/XX/2023 to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. The collection agency responded with an original contract that is not my signature and there is no date next to the signed signature. The signature reads " XXXX '' which is not my name nor my signature. On XX/XX/2023, I sent out a letter regarding the lack of accuracy provided with he original contract that the collection agency had sent me. The company ignored my response and did not provide any further proof of investigation. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further validated documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reports two credit inquiries on XX/XX/XXXX to XXXX XXXX XXXX and XX/XX/XXXX by XXXX XXXX. I did not initiate any credit requests with either of these companies and the requests were likely made fraudulently by someone that was using my identity based on data breaches and dark web information. I requested Transunion remove the inquiries and they initiated file XXXX and told me I needed to file an FTC report. When I went to FTC site I was forwarded to CFPB. Please instruct Transunion to remove these fraudulent inquiries. Each of the credit bureaus were notified of the potential fraud and placed a one-year fraud alert on my credit report during XXXX. Let me know if you need more information.
Product: Debt collection

XXXX XXXX, XXXX. XXXX XXXX ( Research Remediation Analyst from the Executive Office ) in his letter said as I quote : On XXXX XXXX, XXXX, a charge of {$8800.00} was made with special financing terms of 18 months, No Interest if Paid in Full, regular Monthly Payment required during the special term period. YOUR MINIMUN PAYMENT AMOUNT WAS SET UP BASE OFF THE AMOUNT OF THE TOTAL PURCHASE AND LENGTH OF YOU PROMOTION. Letter attached ( Attachment 1 ) I did the payment exactly according with this indication I pay {$300.00} for 29 months because Wells Fargo Financial XXXX XXXX made a mistake on the length of the promotion, the other way the minimal payment will be {$490.00} and in that case I will not accept This Especial Home Project offer because I was not able to pay {$490.00} per month. 

XXXX, XXXX. XXXX XXXX ( Research Remediation Analyst from the Executive Office ) in her letter said as I quote : your purchase was made with Regular Montly Payments term rather than equal Montly Payments. Regular payment terms typically provide the customer great flexibility by requiring a lower minimum payment each month. However, you can make larger payment to pay off the balance by the special terms expiration date. ( attachment 2 ) Two letters from Wells Fargo Financial XXXXXXXX XXXX from the same office ( Research & Remediation Analyst Executive Office ) with different version. 
XXXX, XXXX. XXXX XXXX in her letter said as I quote : on XXXX XXXX, XXXX, the account balance of {$6000.00} was charge off. What is to charge off? In my original complain indicate that in XXXX XXXX, XXXX, I was willing to pay all my balance and Wells Fargo Financial XXXX XXXX with XXXX XXXX a Research & Remediation Analyst from the Executive Office DID NOT ACEPT MY OFFER ( Attachment 3 ). 
This case makes no sense if one officer said one thing and the other something totally different. XXXX XXXX, XXXX. I made the last payment. XXXX X 29 months= {$8900.00} and I pay in full. 

I am XXXX years old lady and this company is taking advantage of that. 

I trust 100 % every thing that they told me. My monthly payment never increase, the financial was 0 % until I finished. From XXXX to XXXX XXXX never increase, I pay online and I do not need to print the statement every month, to pay on line is to save paper.