23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is an ongoing dispute. I have spoken to company reps on XXXX or more occasions and they assured me they would send me the required affidavit to dispute and resolve a collection charge. This charge is from a utility company in Texas, XXXX XXXX. XXXX  XXXX reported me to LVNN also Resurgent, for a utility debt that was opened fraudulently under my name. I have never lived in Texas. 

During my last conversation with LVNN/Resurgent, the rep informed me they could no longer communicate with me due to a cease and desist order. I have never requested an order to cease communication and recorded phone calls with them, will support this claim. I believe this may be a tactic or strategy ( or error on the agencys part ), and impedes my access to the affidavit document they informed they require me to complete. I have been waiting on this document for more than 60 days. And now zi have been informed the cease and desist order prevents them from providing me with the affidavit. This tactic is a barrier and violates my right to provide the agency with a requirement by and for them. 1 ) I never requested a cease and desist order, as this prevents my ongoing ability to resolve and dispute this error, 2 ) I haven asked again for the affidavit form, so that I may complete and return this document to LVNN/ Resurgent.
Product: Checking or savings account

I opened a new checking account with Citi on XX/XX/2022. At the time, they had a promotion for new accounts, and the welcome package they sent me stated that I could receive a bonus of {$200.00} for maintaining a balance of at least {$10000.00} for 60 days from the 21st day after opening the account ( the " Maintenance Period '' ). It also says, " Your bonus will be paid to your Checking Account within 30 days after you successfully complete all required activities. '' My Maintenance Period began on XX/XX/XXXX and ran through XX/XX/XXXX, and I maintained a {$10000.00} balance during that time. I should have received my bonus by XX/XX/XXXX, but I still have not received it. I have submitted cases, complaints, and disputes with Citi, all to no avail. Today, I was informed Citi has a backlog of disputes, so they were not accepting escalations and that it could take up to 30 business days to even review my dispute.
Product: Debt collection

Aidvantage website doesnt allow for practical repayment options and drastically over complicated the process with the intent to deceive and swindle. They do not provide total interest payment info for any options and provide no regular payment plans. They do not take calls, they have a non functioning phone application and website. They are intentionally making it more difficult to repay loans to maximize interest gained.
Product: Credit reporting or other personal consumer reports

Please see attaSAFched documents. Do not close this complaint stating it is not me. I am a natural person and a conssumer.
Product: Credit reporting or other personal consumer reports

Re-examination of my Consumer credit reports, shows that the CBA still list inaccurate, and false information, violating my rights within the FCRA and FDCPA laws. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) I request that CBA, inclusive the Equifax, XXXX and XXXX, credit reporting agencies, block information appearing on my consumer credit reports that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Here are Unverified fraudulent accounts, without FULL DISCLOSURE, consist of a personal loan or credit cards account opened at : XXXX. XXXX XXXX on XX/XX/XXXX as ac/t number ends in : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ac/t number ends in : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX was aggressively promoted via XXXX w/deceptive ads, issued on XX/XX/XXXX, & No FULL DISCLOSURE! Before a single transaction, they sent a statement for $ XXXX, just to have the card opened? 
XXXX. XXXX XXXX XXXX  used two personal loan applications in processing a personal loan, aggresively promoted by XXXX XXXX, to maximize their enriching-amounts from the Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX derivations thereof, whether maintained by XXXX, XXXX, Equifax, XXXX XXXX, Credit Karma XXXX XXXX other credit reporting agency ; Equifax Credit report XXXX XXXX XXXX XXXX XXXX ; XXXX. FLORIDA XXXX XXXX applications were completed & processed to maximize their enriching-themselves from the Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX derivations thereof, but refused to open an ac/t upon reviewing the XXXX or all CBA ; These accounts have resulted in several fraudulent hard inquiries and fraudulent late payments appearing on my consumer FICO-score credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. I've managed to dispute a few of the hard inquiries in question but not all. I filed re-Disputes on false and incorrect information that CBA just give me a run around, which now is magnified by use of the AI. Fraud kills all contracts, inclusive using fabricated evidence or a lock of FULL DISCLOSURE. UCC 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender ... All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I called XXXX Bank and reported that my Chime Credit Builder card was stolen. I was at my local gas station by me getting gas I believed I dropped my card because I was rushing and got distracted by a panhandler. 

I reported XXXX unauthorized charges and filed a dispute for both charges that was made XXXX XXXX {$80.00} XXXX XXXX {$25.00} XXXX XXXX was denied I made an identity theft report and sent it to the bank
Product: Debt collection

I received notice on my credit report that I had a XX/XX/XXXX Eviction Notice from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX. On XX/XX/XXXX, this was settled in court. This is still showing up on my credit report and I want it removed. Also, in the collections section of my credit report, XXXX XXXX XXXX stated I owed them {$4600.00} and this is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts are in violation of my rights : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A : States that I have a right to privacy and that the entities furnishing my information are required to provide accurate and complete information to credit reporting agencies.

15 U.S.C 1681 section 604 A Section 2. States a consumer reporting agency can not furnish an account with my written instructions
Product: Credit card or prepaid card

I write to you in my capacity as a steadfast disputant of the charges levied against my account in relation to purchases made from XXXX 's. My contention primarily revolves around XXXX distinct charges, namely {$970.00} ( Reference XXXX ), {$1800.00} ( Reference XXXX ), and {$1200.00} ( Reference XXXX ). The items associated with these charges were returned in a singular package, as per the instructions provided by XXXX 's, who furnished me with a single return label. 

The purported evidence provided by XXXX 's is, upon closer inspection, insufficient to substantiate their allegations. It merely confirms the receipt of goods, a fact I have never disputed. My contestation lies in the subsequent return of these goods through XXXX, utilizing XXXX 's provided shipping label. 

The allegations of being an " abuser '' are not only grossly inaccurate but also wholly unsupported by any tangible evidence or precedent. A cursory review of XXXX 's internal records would substantiate my claim that this was my maiden online purchase through their platform. The absence of any historical orders or returns under my name and billing address should further corroborate my assertions. 

The narrative of events could not be simpler : I received items that were unsuitable for myself and my partner, requested a return, and dutifully sent the items back using the provided XXXX shipping label. Regrettably, the package was reported as lost in transit. Despite multiple assurances of a forthcoming refund from XXXX 's representatives, the repayment remains outstanding, a source of great frustration. 

The role of Apple Card in this matter has, unfortunately, left much to be desired. The institution 's apparent endorsement of XXXX 's unsupported assertions has been disappointing. 

In essence, I find myself in an undesirable situation where I am without the items I initially purchased, saddled with the associated debt, and deprived of a much-needed refund. It is my sincere hope that this explanation provides clarity and prompts a re-evaluation of my case. 

In light of these experiences, I have resolved to discontinue any future transactions with XXXX 's. I appreciate your attention to this matter and look forward to your assistance in resolving this.
Product: Checking or savings account

To whom it may concern : Experian. 

The late payment status on this account is invalid and inaccurate you must have maximum accuracy in reporting. 
Please delete if you fail to verify I demand you show supportive documents that your reporting is accurate and show that Ive been late this is a violation of your 15 USC 1666 b which violates my rights. 


XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Last reported XX/XX/XXXX {$2000.00} Open balance {$1500.00} XXXX. Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XX/XX/XXXX XX/XX/XXXX Inquiry details XXXX, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Account info Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$12000.00} Highest balance {$13000.00} Terms XXXX. XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : - Comments : - Contact Info : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Credit card XX/XX/XXXX Closed Account charged off. {$1700.00} written off. {$2000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XX/XX/XXXX {$1500.00} {$2000.00} {$2000.00} Individual Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXXXXXX Balance : {$370.00} XXXX XXXXXXXX Balance : {$250.00}
Product: Credit reporting

I have been trying to correct problems of incorrect information on my credit report, from XXXX, XXXX and Equifax Credit Reporting Agencies, I have told these reporting agency that some information of these reports are incorrect, but they refused to take off this incorrect information, this is very upsetting to me, when I know that this information is wrong, They also have old accounts older than 7 years reporting on my credit history and I have closed and paid out accounts and they are still showing on my credit report, I want these accounts off of my credit because they are paid and closed. The credit reporting agencies are reporting false information and just do n't want to remove these accounts from my history. I am tired of trying to get these issues resolved and this is why I am writing to you for help. This is unfair and I want something to be done about this. Please, help me to get these situations resolved. Credit Reporting Agencies are suppose to report accurate and correct information, when they report false information on a report, it effects the status of our credit score. Also I am also having problems with one credit card company customer service workers who keeps adding a late fee on my credit card and I am never late in paying on time. As a matter of fact I pay over the amount due each month and always pay before the due date. One customer service representative, told me the reason I got a late fee was because I paid too early. Who have ever heard of such a thing like this. This is CRAZY!! Each time that I called this company they try to justify why I owe the late fee, when I threaten to write a letter to the Attorney General and complain then they take it off. I am so sick of these Customer Service Workers trying to get money unfairly from consumers who are working hard to pay their bills and then are getting this kind of treatment. Yes, this is unfair and unlawful for things like this to continue. If every consumer would do more complaining these kinds of practices will not be happening. Help! Help! Help!
Product: Credit reporting

Transunion is, in my opinion, ruining my credit report on purpose. It is amazing at how inept they are being about fixing their own mistakes. I have sent them XXXX letters already, telling them exactly what was wrong and what they needed to fix and they have been responding with crazy statements basically telling me that I am the one who is wrong! I AM REALLY HOPING YOU CAN HELP ME! Here are my main concerns : 1. there are several accounts that were included in my chapter XXXX bankruptcy that are still showing late payment history AND BALANCES! CAN YOU BELIEVE THAT!?? 
2. Several accounts are reporting past due statuses when they are supposed to be current or are paid completely. 
3. I do n't believe that a proper investigation was done on some accounts that are showing late payments and I believe them to be errors and the late payments should be removed.
Product: Credit reporting or other personal consumer reports

Please be advised that serious violations of the Fair Credit Reporting Act ( FCRA ) have occurred. My fundamental right to privacy has been violated by the furnishing of information to consumer reporting agencies without proper consent. Furthermore, the information furnished is inaccurate. 

This action violates multiple provisions of the FCRA, including 15 U.S.C. 1681 Sections 602 ( a ), 604 ( a ) ( 2 ), 1681c ( a ) ( 5 ), and 1681s-2 ( a ) ( 1 ).

I demand the immediate removal of the inaccurate and unlawfully furnished account information from all consumer reports.

The Consumer Financial Protection Bureau ( CFPB ) is requested to publish a description of these violations on consumerfinance.gov to protect consumer rights. 

Supporting documentation is attached. Failure to rectify these violations will result in further legal action. 

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

On XX/XX/XXXX I submitted a dispute to Transunion through XXXX XXXX for an itme on my report. Note that at the same time I also submitted the same dispute to XXXX and XXXX and by today, XX/XX/XXXX both of those agencies have long since investigated the item and removed it from my report. 
I received an email confirmation that the dispute was submitted to Transunion on XX/XX/XXXX and also a confirmation along with a file number appears in my XXXX XXXX account. 
When I had still not heard from Transunion I tried calling to follow up. Transunion denies that I filed the dispute despite my proof and the fact that the other agencies did receive it and remove it. Not only did they deny that I had disputed the item on XX/XX/XXXX they gave me the run around as to what I was doing and were rude and unhelpful. 
The law states that they have 30 days to address the dispute which they did not do and despite the fact that I have proof of submission they refuse to help me. XXXX did finally agree to resubmit after arguing in cicrcles with me on the phone for over an hour and talking but that is setting the clock further along and is not what they are legally obligated to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Midland Credit Management Account # XXXX, has violated my rights. 

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

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

On XXXX 2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NM XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this  information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Debt collection

After checking my records the amount they said I owed was different then what they were reported to all three credit bureaus. When speaking to portfolio Recovery Associates we came to agree an agreement to settle the account on XX/XX/2020 for {$330.00} they also stated that after the payment was completed that they would delete the account from all 3 credit reporting agency. I also have proof of this agreement and will attach to this complaint. They have refused to do so.
Product: Debt collection

I asked who gave them authority to sell my information to a second party ( collection company )
Product: Credit reporting

The credit reporting agencies are reporting Public Record Information on my profile that is inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby putting Affirm on notice that they are negatively reporting information on my consumer report and I never gave them my written instructions to share my information with a non affiliated third party. 

The XXXX XXXX XXXX XXXX states that a financial institution may not share any non public personal information with a non affiliated third party. A financial institution is also supposed to give the option to opt out of credit reporting. Affirm is sharing my non public information with XXXX who is in fact a non affiliated third party. I never gave Affirm written instructions or gave consent for them furnish this negative information onto my report or share my information which is a violation of my right to privacy. And this has cause a privacy breach and has hurt my reputation by furnishing multiple late payments on my consumer report. Please see the attached letter for full information.
Product: Mortgage

We received a letter dated XX/XX/2021 advising of a change of loan servicer that would be effective XX/XX/2021 ( see attached LoanTransfer document ). 
The new servicer sent debt collection letters individually to myself and my spouse dated XX/XX/2021 ( see attached CollectionNotices document ). 
We sent a qualified written request in reply asking for specific contact information from the new servicer as required by law and an investigation into whether the new servicer inappropriately reported incorrect information to any credit reporting agency ( see attached DisputeLetter document ).

New servicer acknowledged receipt of the letter and then failed to respond to the specifics of the letter but addressed the payments provided to the first provider and treated it as a late fee complaint ( see attached BankReply document ). 
This complaint is also being provided to the VA OIG.