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

TransUnion, XXXX, XXXX, and XXXX Credit Card, reported consumers private non-public information without lawful disclosures and authorization from consumer which violates consumer law. All four entities listed above have been notified and failed to comply with consumer laws made by Congress. Consumer has been denied an extension of credit four times and damages have incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have removed my positive accounts. I only disputed XXXX XXXX and they have removed all my accounts and stated they cant add them back but they where never included in the disputed. I contact the companys itself that should be reporting and they stated that Equifax have two files for me and they can not put the items back on since they was disputed. But I never disputed the items.
Product: Debt collection

As a victim of identity theft, fictitious loan schemes, I am entitled to victim civil relief fund Consumer Financial Protection Relief 12 CFR Part XXXX Docket CFPB XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Civil Penalty Relief Fund Billing Code XXXXXXXX XXXX XXXX XXXX with Rushmore Loans opened up fictitious loans against my property under identity theft, deed fraud, and without my knowledge, without my authority and without my consent, under fraudulent identity theft, fictitious loans. 

The loans were taken, with the aid of government employees, that knew the loans were being placed on property without any legal authority, protocols or safeguards. 

The loans have exceeded over {$350000.00} and Rushmore Loans has responded that these fictitious loans can unlawfully seize my property. 

The Rushmore Loans company has facilitated fraud by ignoring claims of identity theft that has been confirmed with evidence showing the facilitation of fraud by dozens of parties that used government resources, government employees and government facilities to gain and benefit of fictitious loans, and equity skimming schemes.
Product: Credit card or prepaid card

I closed my Crypto.com XXXX prepaid card on XX/XX/XXXX with over {$4000.00} on it. I requested a check be sent to me for the balance remaining on the card. I was told that this was not an option and that they would credit my account for the balance within XXXX hours. XXXX days later I read the terms and conditions and saw that they were supposed to issue a check for closed accounts. I contacted them again numerous times and have not received an answer as to when I will receive my funds. It is now XX/XX/20 and the company is still holding my funds and refuses to give an answer about when or how I will receive it.
Product: Credit reporting or other personal consumer reports

I contacted Equifax on XX/XX/23 and spoke with XXXX XXXX in the fraud dept to notify them that an account appeared on my credit report as well as an unknown address. He provided me with an address dispute confirmation number, but it was never removed. I realized the address on my XXXX report and immediately contacted them and spoke with the fraud dept. Their dept immediately removed the address but did inform me it was attached to an account and provided me with the account name which is XXXX XXXX. However, the account did not appear on my XXXX or XXXX, but the address did. XXXX was also informed of the information and had removed it as well. On the call with XXXX XXXX, He stated I needed to file a report with the FTC as well as file a complaint with the CFPB before they can remove it. Even though XXXX XXXX was aware that the account nor the address did not belong to me he proceeded to allow inaccurate information to be furnished on my credit report and acted as if he was putting in a dispute request for me. I also advise that my information was exposed in the Equifax data breach and I had to file a claim.
Product: Credit reporting

I have paid in full the attached accounts balances and notified the credit agencies, but the balances still remain on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the illegal reporting of XXXX XXXX XXXX to XXXX and XXXX will not remove this account, XXXX XXXX XXXX has been reporting false information and increasing the balance every month when this account has been closed since 2016. This is against the law and the FCRA and should be REMOVED!!
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Santander Consumer USA , Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax many of time I was also in there date breach and I still havent seen any up date on my credit report I cant log in Ive been send verification of who I was many of time and I will not send it again it should be in my file my address been the same for years and I still havent been able to get anything with my credit report its false bankruptcy false history false and this effected me for years I sent FTC report I even try to file insurance with XXXX which Im a victim and I havent got through to nothing being XXXX
Product: Debt collection

To whom may be concerned, I am writing to request that the XXXX collections reported on my credit report by [ XXXX XXXX XXXX ] be removed from my credit report. I believe these collections are invalid, as the debt collector did not properly validate the debt before reporting it to the credit bureaus. I have enclosed a copy of the certified mail receipt showing that I sent a debt validation letter to the debt collector on XX/XX/XXXX. And it was received on XX/XX/XXXX,. As required by the Fair Debt Collection Practices Act ( FDCPA ), the debt collector had 30 days to respond to my letter with validation of the debt. However, to date, I have not received any response or validation from the debt collector. The FDCPA requires that a debt collector must validate a debt before attempting to collect it. Specifically, 15 U.S.C. 1692g ( b ) states that [ w ] ithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the information necessary to validate the debt. The validation must include the amount of the debt, the name of the creditor, and continue writing the letter. Given the lack of validation and the debt collector 's failure to respond to my request, I believe that these collections should be removed from my credit report. I respectfully request that you investigate this matter in accordance with the FDCPA, and take appropriate action to have the collections removed. Additionally, Federal Trade Commission v. Check Investors , Inc., 502 F.3d 159 ( 3d Cir. 2007 ) establishes that a debt collector must comply with the 30-day validation requirement, and that failure to do so can result in a violation of the FDCPA. The court in that case held that a debt collectors failure to respond to a consumers request for validation within 30 days constituted a violation of the FDCPA. Thank you for your time and attention to this matter. 

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

I sent Experian a written dispute of the collection record reported since XX/XX/2019 by XXXX XXXX XXXX and informed Experian, XXXX XXXX XXXX did not adhere to their responsibilties under the FDCPA to send me an initial letter informing me of my right to dispute the debt and have it validated by the original creditor XXXX XXXX Just after XX/XX/2019 I got the results of Experians investigation. Despite my notifying them of XXXX  XXXX  XXXX failure to meet their FDCPA statutory requirements, Experian did not remove the XXXX XXXX  XXXX Collection record but in so many words said it was a valid debt and " consumer disagrees '' and updated the item no less. 
About the same time the response from XXXX  XXXX XXXX to my previous complaint against them came back and XXXX   XXXX  XXXX said they did send an initial letter to the address from which I was evicted on XXXX XXXX, XXXX, AZ and that I should contact the post office. 
I contacted Experian to inform them of this information, and that the collection record is unlawful and inaccurate and must be removed. They refused continuing to assert the information was accurate and correct. 
Experian is allowing XXXX XXXX XXXX to not even indicate the debt is disputed, nor did they require it be removed until the validity of the debt be determined and all the specifics ( i.e. balance etc ) verified. 
as stated. 

" According to National Consumer Law Center ( NCLC ) staff  attorney XXXX XXXX, if a consumer says they didnt get the initial notice, and the debt collector can show they likely mailed it in the course of their normal business, the burden of proof may be on the consumer to establish that the initial notice was not sent to the right address. But if the debt collector sent it to the wrong address and was returned to the collector as undeliverable to the consumer, then theres a good chance the collector did not fulfill the requirements of the law if it didnt update the address and deliver the notice as required. Even if the letter is not returned, the debt collector may not have complied with the FDCPA if the letter is mailed to the wrong address, especially if the individual never lived at that address or hasnt lived there for years, she said by email. '' As of the date of this compliant, I have STILL yet to have had any contact from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to violate my financial rights by tweaking an account past statue of limitation so many times that they are making me and this Federal Bureau Site believe that they are conducting an investigation and yet they are not. A mortgage account opened in XXXX was closed in XXXX and a new account was opened with a completely separate and new bank with totally different numbers and terms, yet the accounts are mixed and confusing in one. 

account in question appears with Equifax as : XXXX XXXX XXXX XXXX ... # XXXX These two accounts, having never been properly separated and distinguished by Equifax as two different entities, remain displayed as one account. This is damaging to my credit repeort because of the fact that the OLD account contains negative information which is past the statues of ALL LEGAL limitations as well as FCRA law for appearing on my credit report. Yet, because the account was never properly separated by Equifax, XXXX XXXX or XXXX XXXX the account continues to show up as ONE ADVERSE ACCOUNT. IT IS NOT! 

I have raised this concern with the other bureaus and the issue was promptly repaired. Equifax agents understood the same situation had occurred with another XXXX XXXX mortgage account and that was promptly deleted, thankfully, and yet this one continues to disrupt my financial status and credit repeort. 

I have NEVER been late, not in the last 8 years, so the account which appears combined is contradicting that fact about me and is required to be deleted. 

I am about ready to sue this agency in small claims if they dont completely delete it because I have done everything in my personal power to be patient and give them ample time to investigate and delete and yet all they have thus done is delete a few months ' history here and there and that has been the extent of their miserable service to me as a financial consumer. 

I would like to also know If I may completely ban Equifax form possessing my information because it is apparent that they are completely irresponsible and careless of consumer protective guidelines, FCRA Law, FHA Law and also Federal Laws. I dont want a company like them from having the right to harbor my information if this is the type of company that they are. They are 1000 % disregarding my complaints and refusing to delete an account that is riddled with discrepancies, mixed information, old information and false information!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

Following a massive mess when doing a planned system update, my BJs Perks account with Comenity Bank did not reflect my payment of {$900.00} - made several days prior to the due date. I sent a message to Customer Service and received no response. Subsequently, I was incorrectly charged a late fee and interest. I called Customer Service, which was of no help, telling me to check back in a few days. 

I have seen many, many stories similar to mine posted on social media, all finding no relief or resolution. Comenity needs to be held to account and repair the errors to customer accounts ASAP.
Product: Credit card

I answered a call last night ( XXXX ) and he stated he was from credit card services. He had my social security number, my birth date, my credit report with all my credit card debt. He stated that someone was trying to take out new cc and loans in my name. The cc he was most interested in was my Citi bank. He said someone was trying to use it and needed my exp. date and CVV number which I did not give. Needed to stop the fraud. I told him I was going to call Citi bank and take care of this and told him I'd call him back and hung up. Called my cc and had not been hacked, but let them know what was going on. Did not call number back until this morning and phone number lead nowhere. I have put fraud alerts and froze my credit reports.I will be contacting Identity theft and SS and IRS. I have been watching my accounts and looked at credit report. So far nothing. Thank you XXXX! I don't know what else to do. Just wanted to report this. My laptop was hacked last week. I took it in and had it fixed. The guys name ( XXXX XXXX or XXXX ) I know its fake. The phone number he called from is XXXX. Oh, and he tried calling me back several times, hung up on him. I was on phone to cc. If there is anything I need to do please let me know. Also wanted to let other people know. Thank you for your time.
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

On or around XXXX XXXX, an collection hit all 3 credit beaus with an account that is not mines and I have been a victim of identity theft in the past and has been working really hard to keep my name clean. The amount of this collections is {$490.00} and originates from XXXX XXXX XXXX.
Product: Mortgage

ALERT we, us, my wife and i received, in our mailbox manufactured electric utility bill statement that we were required to send in upon our several modifications in XXXX ( pg 23/60 ) has been manufactured somebody at Nationstar physically changed the names on the bill.This statement is false, she has never had our electric bill in her name. This also ties in with the manufactured hardship letter as well, tax documents and, cut-copy-pasted dates and signatures.We do not agree with fraud.This is clearly illegal. Possible marital status discrimination? Please explain how her name got onto my bill? Well done i might add it looks very professionally done.We have several other significant issues HUD-1 errors, credit reporting errors, insurance errors.XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX, I initiated a return with XXXX. On XX/XX/XXXX, XXXX picked up the item. On XX/XX/XXXX, XXXX acknowledged receipt of the item. XXXX first delayed the refund by a month, then later refused to provide the refund unless I submit my drivers license through a third party. I submitted my drivers license and was advised to wait 3 business days. I waited 3 business days and XXXX said they did not receive it and advised to start over. 

On XX/XX/XXXX I initiated a chargeback through Goldman Sachs. I provided documentation showing the item was returned and that XXXX failed to provide my refund. 

On XX/XX/XXXX, Goldman Sachs sided with XXXX. I reopened the dispute providing additional documentation showing that XXXX received the item and falsified their records to say they did not receive the item after filing the initial chargeback. 

On XX/XX/XXXX, Goldman Sachs sided with XXXX again now claiming that I provided documentation showing that XXXX did not receive the item. 

When I submitted documentation to Goldman Sachs, it showed that XXXX did receive the item and has now falsified their records to say they did not, but there were at least two documented references where XXXX did acknowledge receipt of the item. XXXX data shows the screenshots of receipts are genuine. Since it has been almost 5 months XXXX no longer has records from when they received or delivered the item to XXXX. 

On XX/XX/XXXX, I filed a third chargeback for this same return from XXXX of XXXX.
Product: Debt collection

Collector called my place of employment numerous times after I asked them not to. Collector called my boss and asked the best way to gain entry to inside the building. Collector threatened my spouse stating that she pay my debt now or face wage garnishments of 25 % or a seize of joint bank accounts will occur. Collector calls my phone an obscene amount of times in a 24 hour period. Collector has threatened to sue me. Collector states they need me to meet them somewhere for serving me legal documents. 

I offered to set up a monthly payment plan in an attempt to pay off an extremely old debt ( 4 years old XXXX Collector refuses my attempts to settle.
Product: Bank account or service

My husband wrote a personal check from his XXXX account to my wells fargo account. for {$1000.00} my receipt stated the funds would be available XXXX XXXX, 2016. On XXXX/XXXX/2016 the {$1000.00} from my husband account cleared the check XXXX XXXX. When I checked my wells fargo account it stated there would be a hold on the check until XXXX XXXX, 2016. When I contacted XXXX XXXX to understand the delay, I was given no reason why my deposit would be delayed 2 weeks when the money had already been deducted from my Husnands accont. after numerous calls to wells fargo and a visit to the local branch I received a letter yesterday XXXX/XXXX/2016 stating that the account on which the check was written which is highly inaccurate as my attachment will attest. as a result I have suffered extreme hardship due to this mistake by Wels Fargo and have had to cancel my travel plans and appointments which have to date cost me {$190.00}