23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted KLS Financial on XX/XX/XXXX at XXXX EST, left contact information for XXXX XXXX and never received a return call. I called again on XX/XX/XXXX at XXXX EST and spoke with both XXXX and XXXX . 

Upon requesting to dispute the request for charges that didn't make sense, XXXX derailed the conversation after latching on to a piece of a statement I made during the call and repeatedly questioned me about this piece of information in a manner that seemed as if she were trying to get me to confirm information that would favor their company. I asked multiple times to move forward with a dispute and was continually told that even if I submitted a dispute it would still appear on my report. Even after confirming numerous times that I still wanted to move forward with the dispute, she kept pushing that it would still appear on my report. After finally getting confirmation that it would be disputed, I asked for her name for my records where she seemed to try to avoid the question so I would give up without getting that information. 

I was then transferred to XXXX who repeated the same information, and repeatedly questioning me about the same details that XXXX latched on to. She informed me that XXXX passed along the single piece of information that she had latched onto earlier in the call. During the round of questioning with XXXX, in an attempt at intimidation, she did make sure to go out of her way to inform me that what I had said previously was made on a recorded line. 

Though I requested a dispute, XXXX continued to push the notion that this would still be reported and that they would be reaching out to my medical provider for confirmation of the charges. This statement was made after informing me earlier in the conversation that KLS had no information about the details of the charges other than the amount and original creditor name, a third party. 

To provide additional context, the debt being collected is for supposed charges of well under {$500.00}. As a debt collection agency, KLS is well aware that as of XX/XX/year> XXXX, XXXX, and XXXX stopped adding medical debts of less than {$500.00} to consumer credit reports. 

KLS knowingly tried to use false information to try to get me to pay a debt that ( 1 ) is incorrect and unconfirmed, and ( 2 ) is not even eligible to be added to a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting identity theft. Accounts appeared on my credit I know nothing about.
Product: Credit reporting

TransUnion did not investigate any of my disputes. I submitted disputes to TransUnion about XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have contacted both companies and neither XXXX or XXXX XXXX has received any notice that I am disputing the entries on my credit report. I believe TransUnion is lying about actually investigating my complaint and the have NEVER sent me any proof that they were investigating. They also refused to put a 90 day alert on my credit report.
Product: Vehicle loan or lease

TODAYS DATE : XXXX/XXXX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT CAPITAL ONE AUTO FINANCE To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has broken the law! They violated FCRA laws by inaccurately reporting accounts listed on my credit profile, Equifax displayed accounts that I gave no verbal or written consent to display, and Equifax furnished information solely based on transactions or experiences. I am demanding the following accounts be removed immediately and for Equifax to remit the amount of {$10000.00} payable to me for anxiety, emotional distress and financial hardship. The accounts that should be removed are 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
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 and Transunion 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 XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$2200.00}
Product: Checking or savings account

My attorney subpoenaed Wells Fargo on XX/XX/XXXX, for bank records of Safety Deposit Boxes that were closed on XX/XX/XXXX as per a customer visit summary depicting that a non account owner accessed and closed boxes. After XXXX and a half months Wells Fargo declares that the records can not be found on boxes as to how they were accessed or closed. XXXX box completely missing all records 5 months after closure, XXXX box missing records on how accessed and closed.
Product: Debt collection

On XX/XX/2023 I received a phone call at work from Emergent Services about a payday loan that I owed, I requested to have all information mailed to my physical address. Gave them my actual phone number and address, They said no problem and would be in touch the following week.

I never received any such letter, also didnt receive any follow up phone calls on my personal line. 

Then on XX/XX/2023 they called me work again asking me to pay this debt. I told the lady since I did not receive anything in the mail like I requested to stop contacting me. The lady then tried to talk to me more about it so hung up because I felt like this wasnt legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report in reporting fromXX/XX/2019 -XX/XX/2019 120 past due - Once I was out of default, it was to be removed from my credit report,. which it has not. it is preventing me from moving forward in life, and my loans have now been consolidated, and current in an income driven repayment plan. I would like the default removed and updated, which is standard protocol from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights.

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

15 U.S.C.1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instruction. 
Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Balance {$35.00} Highest Balance {$36.00} Opened XXXX. XXXX, 2020 ( 1 yr, 11 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX  Closed No Info
Product: Debt collection

a long time ago I made the payment of the TOTAL amount of the loan to the Mobiloans company and wish to be removed from my credit bureaus the negative account report that reports and damages my credit. Rs a credit already paid and it's been a while.
Product: Credit reporting or other personal consumer reports

I reached out to all 3 reporting bureaus about accounts settled and agreed to delete from trade line and I was either given zero response or a denial. Even when asking why some credit bureaus are reporting things the others arent I was given zero answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ca n't give me the report in 2017 XXXX I fax their my san card id many times still can not buy
Product: Credit reporting or other personal consumer reports

CREDIT BUREAUS ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THIS. XXXX ACCOUNT NEED TO BE REMOVED ASAP TO WHOM THIS MAY CONCERN : XXXX XXXX  CHARGED THIS ACCOUNT OFF AS OF XX/XX/year>. 
THIS CHARGED OFF ACCOUNT IS NOW CONSIDERED ORDINARY INCOME. THIS IS CANCELLED DEBT SO HOW IS IT REPORTING ON MY CREDIT REPORT AS DEBT. 
I ASKED THIS COMPANY TO SEND ME A 1099-C FORM SO I COULD FILE THIS ORDINARY INCOME. THEY REFUSED TO SEND ME THE FORM, THIS IS A VIOLATION OF ( 15 USC 1681EB ). THIS DEBT WAS WROTE OFF ON THEY TAXES TO THE IRS AS PROFIT LOSS. THIS IS NOT ACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. THIS ACCOUNT NEEDS TO BE REMOVED ASAP FROM MY CREDIT REPORT. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and reported. The aftermath of this has left me with unknown and unauthorized accounts reporting to my credit file. I've previously requested a Method of Verification and physical documentation for these accounts but never received anything. Again I'm demanding that these unauthorized accounts be removed and blocked from my credit file. 

1 ) XXXX  {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$420.00} 3 ) XXXX XXXX XXXX {$240.00} 4 ) US Dept of Education {$4300.00} 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$0.00} 7 ) US Dept of Education {$0.00} 8 ) XXXX XXXX XXXX XXXX {$21000.00} 9 ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The information was removed from my XXXX credit report and they are trying to add it back. I want this information removed from all the bureaus immediately as this information is inaccurate.
Product: Credit card or prepaid card

My partner XXXX XXXX was trying to use the link I have in my account that when applying and gets approved, the person who referred him will earn XXXX advantage miles, however the issue here is when he was trying to use the link he was getting an error message and was unable to use the link. Therefore, he went ahead and applied using the Barclays portal and got approved account # XXXX. I called customer service to report this inconvenience many times that day. Today XXXX I spoke to XXXX, she seemed a bit confused which led me to report this using the CFPB to avoid any misunderstandings and run around. She said a case was created # XXXX. I want to make sure the bonus points will be placed into my advantage account ( XXXX ). It really wasn't our fault that the link Barclays said to use didn't work accordingly.
Product: Checking or savings account

Chime can not fix a problem they have transferring money to an external bank. They have nobody that answers the phone that can fix the problem. They are passing the buck telling me its a problem with my external account. That is not the problem. The problem is they are unable to fix the way they have my account coded in their system.
Product: Checking or savings account

I have talked to multiple people about an {$440.00} charge from my apartment complex that was doubled & put my account at- {$490.00}. My card was charged XXXX at XXXX. I was sleeping at that time, dont have scheduled payments, I just dont know how or why but thats my hard earned money thats just gone & I cant even pay my bills for next month because I just got paid & chime took the XXXX & im left with {$210.00}. This is just ridiculous & need to be fixed
Product: Payday loan, title loan, or personal loan

I ordered a TV online with " XXXX XXXX XXXX XXXX '' and utilized their preferred lender - " XXXX  ''. I ordered the appliance on XX/XX/XXXX and quickly cancelled it the very next day ( XX/XX/XXXX. You will see on the statement I uploaded ). They contacted me today ( XX/XX/XXXX ) and I had a " chat session ' with them explaining everything. They stated I was credited the amount of the order but the annual fee will still stand. This is a complete scam as well as a version of " predatory lending ''.
Product: Checking or savings account

XXXX XXXX issued a {$6000.00} check to me and my leaseholder in XX/XX/2023. Ive attempted to deposit the check using the Chase Bank mobile app, but encountered an issue with missing endorsement. Although the endorsement matter has been resolved, the funds are currently missing. XXXX claims that Chase Bank cleared the check on XX/XX/XXXX, and therefore the funds should be with Chase. However, Chase has not provided me with a legal image showing where the funds went after clearance and has not released the funds after proper endorsement despite multiple requests over the past XXXX months.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( cfpb ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove. As XXXX inactions violates Federal law and my rights as a consumer.
Product: Credit card or prepaid card

On  XXXX   XXXX  I called and disputed a charge from  XXXX  in the amount of  XXXX . Rushcard closed the dispute stating no error made, even though i was told by  2  managers that the funds would be returned back to me.I had to submit a rebuttal letter as well as a police report to show that i didnt make that charge and that still wasnt good enough. I have been told that managers were going to call me back and no one has never done so. I had to submit a BBB complaint on  XXXX  just to get a response from my complaints and  XXXX  replied back to the BBB. I had submitted a letter from  XXXX  sent to the BBB stating that the funds in the amount  XXXX  were sent back to me and i still do not have them.This has been the worst experience i have ever dealt with and i will be sending a letter to the attorney general, every news station and consumer affairs since rushcard wants to fradulently keep my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN FRCA Violation collection XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 
{$850.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$390.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$540.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX XXXX {$420.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX$380.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX. 
{$1000.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$3100.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$2400.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$700.00} Balance updated XXXX XXXX, 2022 FRCA Violation names and address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I see that TransUnion has removed XXXX XXXXXXXX off my credit reporting, but I didn't ask for it to be removed and TransUnion didn't listen to me as far as what I asked for as a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus started my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, submit this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against XXXX, TransUnion, and XXXX for ongoing and egregious violations of federal laws under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). My credit file across all three bureaus contains two fraudulent accounts ( XXXX Account # XXXX and XXXX  Account # XXXX ) and unauthorized inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, which violate 15 U.S.C. 1681b ( c ) by failing to ensure permissible purposes for accessing my credit report. Despite my repeated efforts over more than 30 days, including requests for verification, contracts, and signatures, the bureaus have failed to remove these inaccuracies.

These bureaus have violated 15 U.S.C. 1681e ( b ) by failing to ensure maximum accuracy, 15 U.S.C. 1681i ( a ) by failing to investigate or remove unverifiable information, and 15 U.S.C. 1681c-2 ( a ) by neglecting to block fraudulent accounts and inquiries within four business days of receiving proof of identity and a police/identity theft report. Additionally, furnishers of these accounts violated 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) by knowingly reporting inaccurate information, and the bureaus failed to comply with 15 U.S.C. 1692g ( a ) by not providing proper debt validation notices within five days prior to reporting.

I demand the immediate removal and blocking of these fraudulent accounts and unauthorized inquiries across all three bureaus, without further delay, and written confirmation of these actions. The bureaus ' ongoing noncompliance leaves me no choice but to seek remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations of federal law. CFPB enforcement is necessary to ensure that these actions are completed without further delay.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$540.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I called XXXX XXXX XXXX to close my account and I paid my balance off in full. When I closed my account, there were no remaining charges. 

In XX/XX/XXXX, after receiving a bill in the mail saying that I was late on a payment, I called again to confirm that my account was closed. I was then told that my account had not been closed, which was very frustrating. The person I spoke to removed the charges that had accrued. He also told me to follow up in two weeks to ensure that the derogatory late payment remarks were reported as an error to the credit bureaus. I was told then it was taken care of. 

Currently, the late payments for XX/XX/XXXX and XX/XX/XXXX are still on my credit reports, even though XXXX XXXX XXXX recognized the mistake that had been made on their part by continuing to keep my account open. One representative I spoke to listened to past recordings from my conversations where XXXX -- XXXX XXXX admitted to the error and said they would remove the derogatory late payment remarks. I have written to them and filed disputes with the credit bureaus and XXXX has not yet reported the correct information to the credit bureaus. 

I also received a letter from XXXX -- XXXX XXXX dated XX/XX/XXXX that says my account balance has been {$0.00} since my last payment of {$350.00} on XX/XX/XXXX. The late payment derogatory marks being reported to the credit bureaus are from XX/XX/XXXX and XX/XX/XXXX. If I have had a {$0.00} balance since XX/XX/XXXX, how could I have late payments in XX/XX/XXXX and XX/XX/XXXX of that same year?

Thank you for your help in this  matter.
Product: Credit card

Citizens bank misled me by signing up for their card this is not a Citizens bank card. I went to bank in XXXX Wi on XX/XX/XXXX to pay my bill and Citizens bank would not except my payment and was told the card was not affiliated with the bank. My payment being due on XX/XX/XXXX I had to next day the payment for {$22.00} ( USPS ) and I was still charged a late fee of {$27.00}.