23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello, I am sending this due to the violations towards this company. This company has ignored my consumer rights and laws for years. I wanted to give up but I have to keep fighting. 

I explained the information on the Bankruptcy they are reporting is inaccurate. They respond is we will not investigate anymore or send back verified. 

When I told them about their lies. Now all they do is ignore me or just computer generate verified They has damaged my credit report by lieing on third parties. 

I want their Method of Verification from all parties they verified this information is correct. 
Names Phone numbers Addresses After all this investigation laws I have followed are. Other times I have placed a complaint was on XXXX and XX/XX/XXXX 15 U.S.C 1681 ( b ) permissible purpose of consumers reports 15 U.S.C. 1681 ( T ) relation to state law 15 U.S.C 1692 ( E ) false or misleading representations These laws mean some I need answers and fast answers to why they have not followed the The StatuteThe specific section of the FDCPA at issue is 15 U.S.C. 1692c ( b ). In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent. 

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

I have identified information on my credit report that is a result of identity theft.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SENT OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVED In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

The cable was set up in another person house using my social security. I called the cable provider and ask them for the bill portioning to these changes and never got provided with it. I called cable company about over 5 years ago to dispute charges because it wasnt what I owed. I returned the equipment and this is still on my credit.
Product: Credit reporting or other personal consumer reports

Third party collection companies are contacting me on charges I have no idea about. I requested the contract and I have yet to receive it. These credit charges should not be on my credit report. Also my identity has been stolen I dont know any of these charges on my credit.
Product: Credit reporting or other personal consumer reports

I was contacted by General Revenue Corporation about a collection for a student loan from XXXX XXXX XXXXXXXX XXXX. However Im not a student there and nor did i live in the XXXX XXXX area during that time. 

The school confirmed that the individual used my social and DOB to request support for a student loan.
Product: Credit card or prepaid card

I was the victim of identity theft in XXXX 2017. I have called XXXX XXXX XXXX XXXX and XXXX XXXX to let them know I did not apply for cards with them but it was identity theft. After 30 days of not hearing back I then mailed them letters stating that I did not try to open an account and I wanted them removed from my credit report. Sadly, I have not heard back from XXXX of the companies above in reference to this or how they are going to remove from my credit report?
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Equifax regarding an re-insertion of an account that was previously removed. I submitted a new dispute and Equifax male representative name XXXX stated my FTC report was not valid but could not explain why. I then contact FTC and notified them of what Equifax stated and was informed that was not true information. 

The representative submitted a new FTC report for me over the phone.
Product: Credit card or prepaid card

I planned to take advantage of a balance transfer offer from CitiBank. I went online and chose the option for a check for a specific amount to be mailed to me. That check never arrived, but instead I was sent some blank balance transfer checks, so I used one. However, the check I deposited into my checking was returned by CitiBank, costing me {$19.00} for the NSF. I checked with Citibank and they had put a HOLD on the first check that they had cut for me ( the one I never received ) and for that reason the second check - the one that I deposited - was not honored. I questioned Citibank on the fairness of doing this and asked for a {$19.00} refund. Citibank stated it could not provide a refund, so that same day, XX/XX/XXXX, I requested they close my account and refund the overpayment. CitiBank did in fact closed the account the same day, but they are still sitting on my balance and refusing to pay. It was my understanding that I am to receive a check for an overpayment within 7 days of written request. It has been over seven days and still no word.
Product: Debt collection

On XX/XX/XXXX, at approx. XXXX I was contacted by someone naming themselves XXXX XXXX XXXX XXXX XXXX  XXXX in California XXXX 

XXXX claimed she was attempting to collect on a debt from a previous account I had in XXXX. She'd stated that the " Statue of limitations '' had expired on the debt that I owed and that because of it they were filing some sort of Federal claim to force me to pay in excess of {$4000.00} by taking my bank accounts and attacking my credit. 

I asked her to show me some sort of verification of debt and she declined. I was already starting to worry as I recently started a small business and was very concerned that my company was in jeopardy. She declined to show me any verification, stating that " we sent you a letter last month, that's all the verification you need. '' After several minutes of threatening my accounts and that " the court is seeking interest on the amount '' I gave her my card details to pay the original balance of {$1100.00}. The paperwork she sent me did not have any contact information for herself as she said it would, the papers in fact listed three separate names. 

After the transaction, I attempted to look up the company 's business license, the lawyer 's listing from the California Bar, and even tried to look up their website. To my knowledge, XXXX XXXX   XXXX is not a real company. Upon further investigation, my payment actually moved through an entity named XXXX XXXX. I have included both the " supporting documents '' that XXXX sent ( which was not a proof of debt like she assured me it would be ). 

After looking into my debts, ( I have been working tirelessly for two years to clear out my credit report ) I realized the debt they were attempting to collect had simply expired due to the statute of limitations ( this is a debt over ten years old ). So, XXXX XXXX XXXX represented by XXXX XXXX, illegally attempted to collect an expired debt, did so without providing any proof of debt, and when asked, threatened me with actions that are also illegal. 

I contacted my bank account roughly thirty minutes after I gave them my card details, and disputed the transaction. I'm in the process of recovering my funds now.
Product: Credit reporting or other personal consumer reports

I submitted a dispute via Experian on XX/XX/XXXX after noticing an error on my credit report from XXXX  years ago from XXXX where they incorrectly reported a delinquency. My loan payments were all paid on time and then I paid the remainder balance in full in XXXX of XXXX with along with my regularly scheduled payment. You can see this reflected in my credit report. Then they suddenly reported in incorrect XXXX  day delinquency the very NEXT month in XXXX which isn't possible. How can they confirm the payment in XXXX but somehow say a payment is XXXX says late the very next month? That's not possible. Then they say it's XXXX  days late the next month. Again not possible. Loan was paid that XXXX. They finally reported the loan as closed on XX/XX/XXXX. THEY made the mistake of not marking the loan as closed until XXXX, although you can clearly see it was paid in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. XXXX XXXX XXXX XXXX. Lastly, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. I need it delete at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX car from XXXX XXXX towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX XXXX was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a newborn baby by XXXX and also got XXXX during the same time. I have been admitted in and out of the hospital all XXXX and till mid-XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but XXXX XXXX XXXX reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for. 
Looking for help from as this time was tough and they should have helped, besides XXXX XXXX XXXX had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by XXXX and the letter I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly medical collections partial account numbers XXXX. Please see pages 18 and 19 of the attached credit report. I have exceptional medical insurance and all medical expenses are covered. There are no outstanding medical bills that I owe. This is clearly a billing error on the part of the medical facility that is reporting these collections. Please see attached copies of my health insurance information. This inaccurate reporting is harming my credit score and these collection line items need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent information appearing on my TRANSUNION credit report under 15 U.S.C. 1681c-2 ( FCRA Section 605B ). As a victim of identity theft, I demand that these fraudulent accounts be blocked and permanently removed from my credit file. 
FTC REPORT NUMBER : XXXX FTC REPORT NUMBER : XXXX I have enclosed a copy of my Police Report and FTC Identity Theft Report, which substantiates my claim. Under 15 U.S.C. 1681c-2, the credit reporting agencies are required to block this information within four business days of receiving my request.

The following accounts have been fraudulently reported and must be DELETED IMMEDIATELY : FRAUDULENT ACCOUNTS : 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 XXXXXXXX I have made multiple attempts to resolve this issue directly with TRANSUNION, yet they have failed to take the appropriate corrective action. Furthermore, I have requested validation and verification documents, including signed contracts proving my liability for these accounts, and have not received any response within the legally mandated timeframe. 
Due to the continued reporting of these fraudulent accounts, I have suffered significant financial hardship, including the inability to secure housing for my family. I am formally requesting that the Consumer Financial Protection Bureau intervene immediately to ensure compliance with FCRA 605B and order the deletion of these accounts.

I expect written confirmation of the removal of these fraudulent accounts from my credit report. Please take immediate action to rectify this matter and uphold my consumer rights.

Thank you for your prompt attention to this urgent issue.
Product: Debt collection

I have received phone calls from XXXX Wednesday XX/XX/XXXX, Friday XX/XX/XXXX and Tuesday XX/XX/XXXX. I answered on Tuesday XX/XX/XXXX at XXXX and the person I spoke with asked to speak with XXXX XXXX and I asked who was calling. He said I needed to verify my identity before he could tell me why he was calling but he was XXXX XXXX from ( inaudible ) company. I repeated that without knowing who I was speaking with I would not verify my identity and he asked me to tell him my adress and then my birthday and then my last four digits of my social security number. I refused and repeated that I was not confirming any personal information without knowing who I was speaking to. He became angry and said that they had sent repeated letter, which I stated that I did not receive. He talked over me to say he would not be wasting any more paper to send me letters that I would ignore and that I would talk to him once it affected me. This I took to be a threat over whatever debt he was claiming that I have. It was very upsetting and I was shocked to have any business speak to me and yell at me this way. I have never had a debt in collections and do not have outstanding debts that I am aware of. This company should not be allowed to call and threaten people this way.
Product: Mortgage

In XX/XX/2020 I filed for Forberance with Loan Care, my mortgage company and they told me that this would not be reported as a missed payment being that the Forberance would be in place. I called to check on the status of the Forberance and they had not put the Forberance in place. They filled it for me in XX/XX/2020 and reported missed payments on my account. I have reached out to them about this they reassured me that the negative reporting would be removed and I disputed the negative reporting and it still showing that they reported this correctly. I need this removed from my credit ASAP being that this is a false negative report on my credit. My score and credit has been negatively impacted because of this.
Product: Credit reporting or other personal consumer reports

my identity was stolen and used to obtain account that i did not open with my consent. these are the accounts and account numbers and amounts XXXX XXXX - XXXX XXXX XX/XX/XXXX {$4100.00} XXXX  XXXX XXXX XX/XX/XXXX {$430.00}
Product: Credit reporting or other personal consumer reports

15 USC 1692g ( 807 ) : False & misleading XXXX XXXX XXXX XXXX is NOT licensed in the state of Washington and therefore it is illegal for them to attempt to collect within the state of Washington. > 15 USV 1992g 813 ( d ) jurisdiction- XXXX  XXXX, XXXX is not licensed in the state of Washington XXXX Subject to compensation by litigation. 15 USC 1692g ( 812 ) : False and misleading- Failure to provide debt validation. Copies of statements is NOT proof of ownership of debt nor chain of ownership. 15 USC 1692c, - Communication in connection with debt collection ( b ) a debt collector may not communicate, in connection of collecting of debt with 3rd parties of which credit reporting agencies are 3rd parties. 15 USC 1692e ( 13 ) False representation or implication that documents are legal process. Copies of statements is not validation of ownership of. Failure to verify assignment contract, chain of assignment contract, purchase agreement and legal ownership of debt. FDCPA, FTC and FCRA violations-Collection agency is not licensed in WA state .
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle from GM financial. For three years I made payments on time, and after going through the return process, I made my close-out payment on XX/XX/XXXX. At that point, the account was completely clear. Never at any time was I made aware that GM financial viewed my account as being past due or delinquent.

On XX/XX/XXXX, GM financial notified XXXX  ( and probably the other two credit bureaus as well ) that my account was delinquent. On XX/XX/XXXX, GM Financial notified XXXX that my account had been improved. I had had no contact with GM Financial regarding my account subsequent to my last payment on XX/XX/XXXX, so whatever " improved '' the account had nothing to do with me. 

GM Financial 's erroneous report of my account being delinquent has decreased my credit score considerably. I have custom-ordered a vehicle, and when it arrives, I need my credit score repaired or I may not get the best terms on a loan.

I have attempted to contact GM financial via their customer service line several times. Every time I've called, I've been notified of unexpectedly high call volumes and gave up after being on hold for 15 minutes or more. On XX/XX/XXXX, I initiated a chat session via their web page, and after a substantial wait, an agent reviewed my complaint and agreed that my account was clear as of XX/XX/XXXX and indicated that I should receive some sort of notification via email that the issue was being resolved within 24-48 hours. Having received no such email, I again attempted to contact GM financial on XX/XX/XXXX via chat ( so the responding agent could see the message thread from the previous interaction ). After waiting over 30 minutes, the agent again agreed that my account had been cleared as of XX/XX/XXXX and  had said that he/she had " submitted [ my ] account for review ''. I was notified that the fastest a correction could be made to my credit report would be 30-45 days, depending on the results of the review. I was also notified that the agent could give me no time frame for the review, and I have no way of knowing if it will happen or monitoring the outcome. Furthermore, the chat lasted over an hour. 

Because GM Financial crushed my credit without merit causing me immediate financial difficulty, and because GM Financial has provided me no way of knowing when or if the problem will be resolved, I am filing a complaint.
Product: Debt collection

Notice of dispute, requested name and original creditor name and address, never gave the info asked, more than 10 harrasing calls after told to communicate by mail on in response to affidavit. Never sent back affidavit, send debt instrument for payment that was accepted but never returned and still claiming a debt owed with no true bill ever sent. Still calling and threaten to steal car over phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ran my credit when there was no need to, bank representative ran my credit which in fact has ruined my credit because of inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I need removed due my credit literacy I didn't know this would hurt my credit, and that it has done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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