23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over 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 , Third-Party Collection Agency unable to validate debt . Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., XX/XX/XXXX ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.
Product: Credit reporting or other personal consumer reports

Filed dispute against Fair Collections and Outsources with Equifax and they have refused to proceed with dispute. Sent copy of driver 's license which is all that is required to proceed with dispute. They have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification of a collection from XXXX  alerts. The notification indicated that I had a collections account from XXXX XXXX XXXX for {$200.00} dollars for a hospital visit covered by insurance for my daughter. 

The account and I had not received notice of a existing balance with XXXX XXXX XXXX. 

The account was paid as agreed and is still listed on my credit report
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$130.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX : {$130.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$400.00}
Product: Debt collection

JPL Recovery Solutions Date : XXXX Approximate time : XXXX XXXX   XXXX  JPL called my employer and had me paged whole I was working. Caller asked for my date birth and asked if I worked for my company. Said they were garnishing my wages - I have to ask who was calling and in what regard ; they did not identify themselves until I asked. I told them I was at work and could not accept personal calls on a company line. He continued to ask how I would like to pay. I explained several times that I could not discuss at work and offered another number to call after my shift. He continued to threaten wage garnishment and further action even thought I continued to explain I was at work and could not discuss. 

This call was overheard by several colleagues in an open setting, including supervisory staff and has potentially put me at risk of disciplinary action or job loss. It was on a recorded line used for company training and quality purposes. I explained it was on a recorded line and put me at risk and he continued to pursue his badgering/collection activity. 

He trained that they were already contacting my employer for wage garnishment ( nothing has been received that I was being served a judgement ), he did not identify who he was with until asked and implied they were legal representation or attorneys trying to collect a debt for XXXX XXXX. 

This drew excessive attention from the floor and conversation was overheard by several individuals I work for/with. I was even approached about it being from a debt collector.
Product: Credit card or prepaid card

I recently discovered Synchrony ( Ashley Furniture ) is not applying my payment i have been making with there app until the day after my due date or payment date. The company is charging me a late fee then applying my payment. This is an XXXX  and unfair practice. In addition to not applying my payment on date I have it set up for ( due Date ) they are adding a late fee to drive up my balance and not reporting late on my credit when i have never missed a payment. This has been going on for last XXXX months I discovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters to Experian, XXXX, and XXXX to investigate my accounts. It has been longer than 30 days. These consumer reporting agencies are in violation.

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and to send me the results. In addition, they failed to record the current status of the disputed information which is also a violation. 
Evidence attached. 
Thank you.
Product: Money transfer, virtual currency, or money service

I have submitted returned items that we're broken XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX.i have purchased this items from XXXX official site online they did not work properly so I have returned the item as I was directed to do so by affirm loan services.i have returned XXXX XXXX XXXX XXXX and many other items I have naver receive a refund I have call many times to peacefully resolve this matter and I only get the run around I have done all that I can to seek help from this company and still after months I have have received no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was closed XX/XX/XXXX by the company. I made last payment of {$52.00} XX/XX/XXXX. Which put all debts paid and current. Since XXXX XXXX XXXX XXXXXXXX has reported this closed account as late, charged off, balanced owed of {$52.00} since then with continuing to put dates that would make the account current. Which this account as said is closed by the company. After disputing several times over the years and attempts to have it removed from my credit reports, this XXXX XXXX XXXX XXXX XXXXas negatively impacted my credit scores and reports making it very difficult to obtain any type of credit anywhere. On XX/XX/XXXX i reached out again to this company to please remove this item, they told me that they would do an investigation and respond by XX/XX/XXXX. I have yet to hear anything from them. But I received an update about my score and that it had decreased XXXX points since the start of XX/XX/XXXX from this company doing their investigation. When I reached out to the first Credit Bureau XXXX on XX/XX/XXXX they said that the XXXX XXXX XXXXXXXX XXXX has made changes to my report several times over the years since XXXX which the gentleman at XXXX called " REAGING ACCOUNT '' which he explained is illegal to do and that this account should have been falling of all my credit reports as of this year XXXX. He then stated that he would dispute this and that I needed to also put in a report with the remaining credit bureaus XXXX and XXXX and to give them the info and the disputed item confirmation number, as well as to contact the CFPB and to do the same with them, which is why I am writing to you now.
Product: Debt collection

The complaints below have responses and feedback from parties that are misleading and not factual. The parties remain in contempt of CFPB orders filed XX/XX/2022 that are to protect me, victim of their identity theft fraud schemes. 

XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action RUSHMORE LOAN MANAGEMENT SERVICES LLC XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX Other personal consumer report Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave permission for Transunion to report anything on my consumer credit report. This is a clear violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. & & Transuion never sent me any results of my request to dispute information. This is another FCRA violation committed by Transunion. Transunion is holding me up from bettering my life as the consumer. These are these accounts : ______ XXXX  Account # : XXXX __ CXXXX XXXX XXXX XXXXXXXX Account # : XXXX __ XXXX Account # XXXX __ XXXX XXXX Account # XXXX __ XXXXXXXX XXXX XXXX Account # XXXX ___ XXXXXXXX XXXX Account # XXXX __
Product: Credit reporting or other personal consumer reports

XXXX XXXX is showing I have account with this company on credit report. I do not have account or have ever had loan with this company. I leased vehicle from XXXX XXXX XXXX ( XXXX XXXX ) When I found out XXXX XXXX XXXX was closing I returned vehicle to dealer the vehicle was leased from. XXXX XXXX XXXX took possession of vehicle. XXXX XXXX is showing I have vehicle lease which is incorrect. I did not agree or sign any type of lease agreement with this company. vehicle was returned to original lease holder
Product: Mortgage

We are working a short sale on this property. The 2nd lien with Five Lakes is not being cooperative. They are stating they wo n't move forward with the approval letter that we have from the 1st lien holder for a few reasons. 1st : They do n't think the file should be approved for HAFA because the HAFA program ended XX/XX/2016. But that means that the short sale just needed to be started by then, not approved by then. I have explained this to them and they wo n't listen. They do n't like the fact that the approval letter from the 1st lien does not state it is HAFA on it. But this is because the approval letter they are looking at is an extension to the orginal approval letter from the 1st lien. It does not have all the details on it and is just an extension. They wo n't merge the XXXX approvals together to get a valid approval. I ca n't make the 1st lien alter their approval template to say what Five Lakes wants it to say, just because they ca n't think out of the box. Five Lakes wants XXXX, the 1st lien, to issue an ARASS form before moving forward. The ARASS is not applicable and Five Lakes wo n't listen. They state that if the ARASS is not submitted, even though it is not needed, they wo n't move forward.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the Consumer. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person making the report which in this case is BEST BUY/CBNA. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( BEST BUY/CBNA ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. BEST BUY/CBNA can not collect on a discharged debt ( charged off ). Per IRS Publication XXXX ( XXXX ) under XXXX. Canceled Debts, a charge off is considered a certificate of indebtedness which is considered income. The IRS Clearly defines a charge off as Gross or Ordinary income. Income can not be reported on a consumer report. The reporting of this account as a debt is inaccurate & a violation of the Privacy Act of 1974. I never received a 1099-C from BEST BUY/CBNA for the cancellation of debt in order to file as ordinary income. Per 15 U.S. Code 1681a -Definitions ; rules of construction ; The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. ( 2 ) Exclusions- ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This account ( XXXX ) has been reporting to my consumer report since XXXX of XXXX. Per 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' BEST BUY/CBNA and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and Best Buy/CBNA whether it be verbal, non-verbal, written, implied or otherwise is revoked.
Product: Debt collection

I Account name AMERICAN EXPRESS Account number XXXX Recent balance {$17000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$17000.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Address identification number XXXX Type Credit Card Terms Not reported On record until XX/XX/XXXX Credit limit or original amount Not reported High balance XXXX XXXX Monthly payment Not reported Date of status XX/XX/XXXX account was charge off and never received validation of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

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

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts, late closed and charge off account. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction or removal. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution for a correction or a deletion : Kindly correct or remove these accounts : 1. XXXX XXXX XXXX Balance : {$470.00} - Please checked the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

2. XXXX XXXX XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now.

3. XXXX XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

4. XXXX XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Debt collection

On XXXX XXXX, XXXX Report Number : XXXX I filed a dispute with XXXX about a U verse account {$1800.00} that was not opened by me, nor did i give anyone permission to use my information for opening an account in my name. I called XXXX to make them aware of the account thats now reporting on my credit report. And was told to contact the collection agency that has the account. I called the number listed on my credit file for the company and the number was disconnected. I sent experian a letter asking them to verify the account, and ask them to send me a copy of the information or contract that this account belongs to me, and was denied that information. I also, sent them information about the 14 USC 1681e ( b ) ; 1681i- ( 2 ) ; 1681i- ( 7 ) ; and 1681i- ( 6 ). and the results came back within 24 hours as verified. Please have this account removed immediately, as im in the process of purchasing a Home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan at XXXX today XX/XX/20 but I was not approved. They told me the reason they were not able to approve me for a loan was because there are accounts reflecting negatively on my credit. I looked through my credit report and I saw accounts from these companies that do not belong to me. XXXX, XXXX  XXXX, XXXX XXXX  and XXXX XXXX XXXX. I have never opened an account with those companies nor do I have any written or verbal contract with them. I have never given anyone permission to open any account on my behalf and I did not gain anything as a result of those accounts that were opened in my name such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Checking or savings account

On XXXX the XXXX XXXX  someone took money out of my savings account. Using my card/pin, some where along my card have had gotten cloned or hacked or something. Late night I checked my account notice my balance was low I called Citibank to start a dispute 10 days later they denied it. I disputed their decision 2-3 times and they still refuse to give me money back. Even though the funds are protected fdic and fraud. Today XX/XX/XXXX I spoke with another person XXXX from Citi and this guy was rude telling me Citi would never give me my money. Im disappointed with this bank Ive been banking with them for years and this is the treatment I get. They made me feel like a peasant.
Product: Credit card

Since I've opened this card I've been trying to get the correct XXXX XXXX  account connected to this card so that my miles will show up in the account that I have access to. I've called several times and every time I call someone will tell me to either call back or that the problem has been resolved at my accounts are properly connected. So far the problem has not been resolved and all of my miles is going to another account that I do not have access to. They've even gotten XXXX XXXX on the phone and hashed it out together and then they will tell me that the issue is resolved and again it's not resolved. Initially, actually, up until yesterday, I was told by Citibank and XXXX XXXX that my card was attached to an account that I have no knowledge of and do not own. Yesterday they found another account and said perhaps it's connected to that account, which is an old account of mine. 

Furthermore I've been told by XXXX XXXX that I have to get this issue settle with Citibank. Then Citibank tells me I need to contact XXXX XXXX. So I don't even know how to resolve this issue. 

Also I would like it noted that the people who I spoke to yesterday were rude and unpleasant. At times when I was trying to speak one representative would try to talk over me instead of listening patiently.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of he information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
I demand the the following account be validated or DELETED from my Experian Credit Report immediately : XXXX. XXXX XXXX BANK XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Checking or savings account

I am the beneficiary of the checking account owned by my mother. She passed away on XX/XX/year>. About a week after her funeral, I personally visited the branch to close her account and receive the closing balance amount. The customer service representative informed me that I would be contacted by the person who was supposed to handle the matter at the headquarter. I missed a call from US Bank. Since that time I returned several calls and left messages, but I have never received any calls from US Bank anymore. Afterwards, I called the customer service representative at the branch. She gave me another telephone number to call. I again made several calls to that number and left messages and I have never received any calls from US Bank. Now, it is the end of XX/XX/scrub> XXXX  nothing has happened.