23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I took a look at my credit report and saw LVNV Funding was reporting a negative account in collections. I never heard of this company and don't know who they are. On XX/XX/XXXX I mailed out a certified letter requesting validation of the debt and for them to correct their records. 
Months pass and still no verification of the debt whatsoever. I reached out again requesting validation of the debt and it looks like I got some fake looking paper with some numbers on it with another debt collector ( XXXX XXXX XXXX ) on there saying they are now collecting for LVNV Funding. It looks like my attempts to have LVNV validate the debt and show proof, are being met without any effort to show validation. This has impacted interest rates, housing opportunities, and completely changed my life. I have done my due diligence, I have wrote them politely asking for proof and validation and I don't get any response with factual information. I sent out my first letter over 5 months ago and have given them ample time to provide validation of the debt. This is a complete violation of my rights. 

LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX I am including pictures of the certified mail receipt, the letters I sent starting XX/XX/XXXX and the only piece of paper LVNV Funding and Frontline Asset Strategies have sent me which is not anywhere near validation.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX and XXXX are all in gross violation of my rights as a federally protected consumer pursuant The Privacy Act of 1974 and FCRA. 
They continually report transactional history which is prohibited by 15 USC 1681a.

There are also several inaccuracies across all 3 bureaus which is in violation of 15 USC 1681. They have also failed to notify me of my opt out rights and are in violation of 15 USC 6802-6805 and 16 CFR 313.7.

They are violating my privacy by making public my personal information via affiliates, non-affiliates and third party vendors plus allowing promotional inquiries. They are in violation of 16 CFR 433.1, 433.2, 433.3 " Charge offs '' are considered " certificates of indebtedness '' by the IRS and " certificates of indebtedness '' are considered income pursuant to IRS publication 4681. Therefore, TransUnion, XXXX, and XXXX are reporting my income which is not permitted. 

TransUnion ( commission file # XXXX ) XXXX ( commission file # XXXX ) and XXXX ( commission file # XXXX ) each stated within their own filings with the SEC that they would uphold the laws of The Privacy Act of 1974 and FCRA ( in addition to many other consumer protection laws ) and they are not doing so.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this to report three fraudulent accounts appearing on my TransUnion credit report, these accounts consist of an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and another personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in fraudulent hard inquiries and collections appearing on my credit report. List of inquiries 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 I demand that the fraudulent items be removed from each of my consumer credit report. Remove the following addresses : XXXX XXXX XXXX, XXXX, NH XXXX, and XXXX XXXX XXXX, NH XXXX and the deletion of the following incorrect names : XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

I opened a XXXX account back in 2015 and I returned the phone in the 14 day return period that was allowed. I was told the account was closed and all I had to do was pay a XXXX dollar restocking fee. It appears that the XXXX store I was dealing with never processed the closing of the account properly. I do not feel I owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting from the date of XX/XX/2022 I sent investigation letters to credit bureaus. I requested to " investigate every piece of information '' of multiple accounts that I will list below. ACCOUNTS WERE REMOVED AND IMMEDIATELY PLACED BACK ON MY CREDIT REPORT, So I have also attached copy of tracking numbers from sent letters and copy of credit report. According to the FRCA 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. With that law being QUOTED, the bureaus stated that their investigation of accounts were verified, but how is that possible if there wasn't a proper investigation according to the law stated in above paragraph. And as a result, every piece of information on these accounts are not reporting one hundred percent accurately. FRCA 15 USC 1681 ( e ) STATES, EVERYTHING HAS TO BE ONE HUNDRED PERCENT ACCURATE. WHICH NEITHER OF ACCOUNTS, THAT WILL BE SEEN BELOW IN DOCUMENT UPLOAD SECTION IS NOT ACCURATE
Product: Debt collection

XXXX XXXX  and all known subsidiaries repeatedly opened up fictitious loans against my property with identity theft and loan fraud, using government employees and fraudulent documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Im sending this complaint to inform you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2013 Balance : {$2900.00}
Product: Debt collection

The CBE Group , Inc. has continued to call me in an attempt to collect a {$27.00} debt that is not mine. I have instructed them by mail, email and by phone that the debt is not mine, that they are not to try to contact me further and that I have verified with XXXX that the account and debt in question is not in my name or related to me in ay way. I instructed CBE Group to follow up with XXXX and I also copied XXXX on the letter. The last call today came from XXXX ( XXXX GA ). The person from the collection agency refused to give me their name and continued to try to make a collection attempt even after I had told them that I had request in writing that they were not to contact me further to try to collect on a debt that was not mine. I have blocked numerous numbers associated with CBE Group but they then call at least once a day from a similar but different number.
Product: Debt collection

Medical procedure was done at XXXX XXXX XXXX XXXX on XX/XX/XXXX, I paid the copay ( {$95.00} ) the medical center said I owed before the procedure. Afterward, I received a bill from the medical center for {$890.00}, though my medical insurance claim showed I owed nothing. It looks as if the medical center didn't get the required preauthorization. I called the insurance company and the medical center. I sent a notice to the medical center with a copy of their bill, explaining. They turned it over to collections. I sent a letter to the first collection agency ( XXXX , XXXX ) on XX/XX/XXXX, with copies of all pertinent information. Six months have passed and now I'm receiving a collection letter from a different collection agency ( Capio Partners , LLC ). So I'm writing a letter to them disputing the bill with copies of all pertinent information. How do I make this stop?
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly ask you to investigate and remove these accounts from my credit report. I do not recognize these accounts I believe I was a victim of identity theft. I have no contracts or agreements with these accounts. I do not know how these items ended upon my credit report. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Product: Credit card

Someone got my login information for XXXX  and purchased {$160.00} worth of items on XX/XX/XXXX, using my Discover credit card saved on the XXXX website. The items were not shipped to me, they shipped and delivered to an unknown ( to me ) person and address. I saw the charge on my credit card account and disputed it. On XX/XX/XXXX, again got notified from XXXX that there was an order for {$77.00} and the shipping address was different than the first fraudulent charge, but again, not me, my purchase, name, or address. I immediately called XXXX XXXX XXXX and they informed me that they could not cancel the order because it was placed more than 30 minutes prior to my request to cancel. And that the only thing I could do, is dispute the transaction with my credit card company. I called Discover and initiated another dispute on that charge. 
Discover contacted me by mail and said that the charges were valid because they were successfully delivered. I provided a written rebuttal with screen shots of me trying to cancel the order and, just my written statement that I am not the recipient of the goods, not my name or address. 
Again, Discover said they reviewed my statement and will not reverse these charges, because they say they are valid.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

XXXX  does not have a customer service number or anyone to talk about any issue i have with them. this is all the time
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  Transunion XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : I'm writing to you in concern of some inquiries that are reporting on my credit file that I do not recall Please see items listed below : 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 Please forward me any documentation providing proof I applied for credit with these creditors. If proof can't be provided, then please remove these inquiries from my credit profile immediately. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is   XXXX   XXXX  . I have several accounts listed on my credit reports that are listed incorrect information *violations of sect  623 f cra*.   XXXX    and Equifax will not remove this accounts. I have disputed this information and they only will allow me to re-dispute the information which results in the information remaining on my account. I called today to both agencies to have this information deleted, but was advised I had to place another dispute. I can not log in online with either of these companies ( which I am assuming is due to my continued disputing this inaccurate information. ) The accounts are   XXXX   XXXX   XXXX   which shows  XXXX  120 day late payments ( missed payment violation ) sec t 623 fcra states an account cant be listed more than 90 days past due which it shows 120  on both sites.  XXXX  collection account is a violation of a hippa agreement.  XXXX   XXXX   XXXX   XXXX  I have no contractual agreement with and should also be removed from both reports.  XXXX  is an account that shows as a revolving credit which is inaccurate ( this is not a credit company and I have never had credit with them ).   XXXX   XXXX   bank is listed on my reports as charged off but was sold to a collection agency which is also a violation. An account cant be charged off then sold to a debt collector.
Product: Credit reporting or other personal consumer reports

These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX XXXX XXXX : {$1600.00} : Open : XX/XX/XXXX XXXX XXXX : {$3000.00} : Open : Unknown XXXX XXXX : {$670.00} : Open : XX/XX/XXXX Hard Inquiry : XXXX  XXXX Based on the CFPB recent lawsuit against the unethical agencies for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I request that your agency to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any fraudulent information from my credit report.

Failure to comply with the FCRA and other applicable laws will result in legal action, as seen in cases such as Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ).
Product: Credit reporting or other personal consumer reports

As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. seq., theFair Debt Collection Practices Act ( FDCPA ) : Jefferson Captial System Account number : XXXX Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is your authorization of law for your collection of information?

What is your authorization of law for your collection of this alleged debt?

Please evidence of your authorization to do business in my state.

Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.

According to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and promptly, will work as a waiver to any claims in this matter, and will entitle me to presume that you sent your letter in error and that the matter is permanently closed. 
This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only and is not a statement, election, or waiver of status. I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor so that they do not report this on my Credit Report. I further insist that if you have reported me to a Credit Reporting Company, you tell them that I am disputing this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for this creditors to pull my credit. 

- Ally Financial ( XX/XX/2021 ) - Ally Financial ( XX/XX/2021 ) - XXXX XXXX XXXX  ( XX/XX/2021 ) - XXXX XXXX ( XX/XX/2021 )
Product: Credit reporting

This was put in bankruptcy and resolved.will send documents if need feel free to call XXXX
Product: Money transfer, virtual currency, or money service

I was trying to buy a chess set from a XXXX company called XXXX XXXX back in XXXX of XXXX. They don't take credit card or XXXX XXXX payments so the only other forms available was a money transfer through WISE. I had set up to have the money transferred over ( {$600.00} ) and WISE said that it was completed so i reached out to XXXX XXXX to see how long it would take. They said 8-10 days. After 10 days they still haven't shipped and they would take up to weeks to respond to me attempts at emailing them. When they would respond they would make up excuses about having it ready to be shipped out during the week, but I still haven't recieved a tracking number or confirmation of shipment. I try to go through WISE to see if they can resolve this dispute and they intentionally make it difficult on their website about making disputes or filing a claim against transactions. So I reached out to my financial institution at XXXX to do a charge back against them at the beginning of XXXX. Now, XXXX weeks in, I suddenly get a notification from XXXX XXXX  that WISE has responded to my claim so I check my wise transaction and it showed that they just sent my payment " again ''. And I had reached out to XXXX XXXX and its been over two weeks since they last responded to an email. They also keep making up new excuses on why an item won't ship.