23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company Source Receivables Management mailed me a notice on XX/XX/2022 stating they were trying to collect a debt that I owed XXXX in the amount of XXXX, I personally called XXXX myself and they told me they no longer owned the debt and sold it to Source Receivables Management, this company is in violation of 15 USC 1692j ( a ) which states, it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. Through the response received from XXXX  apon me calling in regard to this account I would like to inform you that your company has violated 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me as a consumer that the creditor was attempting to collect the debt but in reality, it was not true. This company is in violation of 15 USC 6802 : Obligations with respect to disclosures of personal information, your company has created an account on my behalf using my social security number without my consent this offense is aggravated identity theft pursuant to 18 USC 1028a they have knowingly. transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years imprisonment, in addition to civil liability. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium, as per the literal interpretation Any medium includes any oral, written, electronic, or other medium, Therefore, furnishing of the consumer report bearing information regarding the alleged debt by the Company will amount to communication as per Fair Debt Collection Practice Act Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately, This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in volitation of the Fair Debt Collection Practices Act. If you do not cease communication a lawsuit will be commence against you. I have attached the initial letter you sent me showing that you were acting like XXXX was participating in this alleged debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal follow-up regarding my previously disputed XXXX XXXX XXXX  account ( XXXX ), which remains unverified, inaccurately reported, and unlawfully classified on my credit report. Despite my prior request, TransUnion has failed to conduct a proper reinvestigation in compliance with the Fair Credit Reporting Act ( FCRA ), making you liable for continued reporting of deceptive and inaccurate information. 

I. XXXX XXXX False Auto Loan Reporting Deceptive & Unlawful This account was never a traditional auto loan but rather a retail installment contract between myself and the seller. 
XXXX XXXX did NOT extend direct financing ; the classification as an auto loan is materially false and misleading under XXXX5 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
This misclassification artificially inflates my debt-to-income ratio, impacting my creditworthiness and violating the FTC Act ( 15 U.S.C. 45 ) against unfair and deceptive reporting.

II. TransUnions Willful Noncompliance with FCRA Under FCRA 15 U.S.C. 1681i ( a ) ( 1 ), consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes inaccurate information. However, TransUnion has failed to : Provide any documented proof from XXXX XXXX verifying the legitimacy and classification of this account. 
Correct the false auto loan classification despite clear evidence of deceptive reporting. 
Ensure compliance with FCRA 1681e ( b ) by maintaining only accurate and verifiable information.

If TransUnion has not received verifiable, original documentation proving the accuracy of this account, then continuing to report it constitutes a willful violation of the FCRA and subjects TransUnion to liability under 1681n. 

III. Immediate Corrective Action Required To resolve this matter, I demand that TransUnion : 1. IMMEDIATELY DELETE the XXXX XXXX XXXX account ( XXXX ) from my credit report due to its inaccurate and unverifiable nature. 
2. Issue a written statement confirming the permanent removal of this account. 
3. Cease all further reporting of XXXX XXXX XXXX unless full verification is provided, including original signed contracts. 






III. TransUnions Legal Liability for Monetary Penalties This account has been wrongfully reporting for five years ( 60 months ), meaning TransUnion is liable for : {$1000.00} per month of willful FCRA violation under 1681n = {$60000.00} in statutory damages. 
Additional punitive damages for reckless and negligent reporting. 
Attorney fees and costs if legal action becomes necessary. 

If TransUnion continues to report this unverified and misleading account, it will be viewed as intentional malice, warranting maximum penalties. 

IV. Immediate Corrective Action Required To resolve this matter, I demand that TransUnion : 1. IMMEDIATELY DELETE the XXXX XXXX XXXX account ( XXXX ) from my credit report. 
2. Provide written confirmation of the accounts permanent removal.

3. Cease any reinsertion of this account unless full verification, including original signed contracts, is provided.
Product: Checking or savings account

Credit Karma account Someone hacked my account. Changed my email and phone number, tried to withdraw funds, made two purchases and ordered another debit card. CK did return the two purchases after I disputed them. Now, they have frozen the account and I can not see any part of my account. I had a direct deposit of {$300.00} go in last night because I could not stop it in time from my employer. I have tried to call and spoken to a supervisor and all they told me is that it has been escalated to a specialist back office team. They will not transfer me to anybody to discuss my case. Will correspond via email only. The emails Ive received explains that theyve done basically nothing. I can not contact anybody from a fraud department or anything from this company ; no one will call me. I need this money to feed my family. Theyve allowed some security breach for someone else to change my information and now they wont do anything to fix it and theyre holding {$320.00}. I reported over a week ago and they just opened my case on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experain has provided false information in regards to my name and address. 
On the credit report for years I have tried to reach out to the company once denied by creditors. 

Experain has never fixed the problem of the name on my accounts. 
Which include the four different names listed on four different occasions which made creditors deny me personal credit and business opportunities. 

This account needs to be properly addressed. Monetary relief is requested and also is needed at this time. The inaccurate details, have had a great magnitude over my life and included increased rental fee 's based on the creditor not being able to verify my credit identity. 

There are also, three different addresses listed on the credit report.

Which total to seven inaccurate details listed on the report. Though experian has informed me recently that they have attempted to correct the error. 

The financial damages an impact are left unaddressed. I am seeking XXXX dollars in monetary. Though I have counted 7 errors. There needs to be some sort of restitution. 
The credit company 's should take accountability for their actions. 

Also, I have a good track record with paying child support on time. 
This child support was taken at XXXX dollars a month directly out of my wages with XXXX XXXX. Which a fair credit report should indicate a fair or Good credit score. 

However, You are still lacking to report it as a good reflection of debt an timely consistent payments. I have attempted to purchase a home and pay low monthly rates toward a mortgage instead of increased monthly rent above the fair market value. 

Please prepare to take the proper measurements and administer relief. 
I thank you all in advance.
Product: Debt collection

My NC FINANCIAL account is reporting erroneously with XXXX and XXXX as a Collection Account. This account was paid in full with their internal collection, XXXX XXXX XXXX and I have the letter that states so. I contacted NC Financial at the beginning of XXXX to settle the debt, I was then informed by a NC Financial customer agent that my account was sold to their internal collection agency XXXX XXXX XXXX. After numerous attempts to contact them via phone, email and XXXX complaint to gain a response, I was able to speak to an representative on XXXX XXXX and their agent informed that my account was placed with XXXX XXXX XXXX. I was then able to contact XXXX XXXXXXXX XXXX to settle the debt, however, after sending my " paid in full '' letter as instructed in the letter to all the credit bureaus to update the status of the as paid. The credit bureaus are stating after the investigation that the account is unpaid and collection status because the NC FINANCIAL is sole listing on the credit report and not their internal collection company XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX and XXXX XXXX that it was not their obligation to notify credit bureaus, but NC FINANCIAL. Which I have detailed complaints from the XXXX and CFPB I demand the account is deleted for the erroneous information listed.
Product: Debt collection

The phone number that the company is calling is not a number that I have listed as a contact number for myself and have asked them repeatedly to stop calling the number they are calling.
Product: Vehicle loan or lease

When my lease was up with American Honda I received the bill which I tried to resolve since some discrepancies came up. I got the run around then I finally set up payment that they should pull out the amount out of my bank account they failed to do that. I kept calling to get this resolved I kept getting the run around until they finally completed the withdrawal months later. This has been detrimental to me since it postponed the payment by almost a year.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found errors linked to 15 USC 16c-2. The inquiries shown were not authorized by me and are affecting my credit score. Please remove all unauthorized hard inquiries. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion and XXXX has accounts on my credit reports that are NOT mine/inaccurate/fraud. 
Accounts : XXXX- not mine please delete.. 
XXXX XXXX XXXX-not mine please delete XXXX  XXXX-not mine please delete
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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. This fraudulent, inaccurate, and false information consists of Collection/Chargeoff from XXXX XXXX with a balance of {$1700.00}, XXXX XXXX with a balance of {$270.00}. XXXX XXXX with a balance of {$3200.00}, XXXX with a balance of {$10000.00} and XXXX  with a balance of {$6400.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 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 or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX XXXX ] - Furnishing certain deceptive forms- Please Update too Never Late. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because l 've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX BALANCE : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo pulled my credit THREE times for the same credit card application. I only authorized the first hard pull and expressly declined permission for any further hard inquiries. 

On XX/XX/2018, I applied for a Wells Fargo credit card with a credit inquiry that was authorized. Wells Fargo misread my XXXX credit report and declined me for being deceased! ( XXXX has verified I was NEVER erroneously listed as deceased ). When I called Wells Fargo 's reconsideration phone line to have the error corrected, they promised the report would be reconsidered and correctly read WITHOUT a duplicate hard inquiry. This promise was not honored. Despite the fact I did NOT give permission for another inquiry, only to re-read the existing report to verify it had been misread, Wells Fargo entered a second inquiry on XX/XX/2018. I then visited a branch to have the duplicate inquiry removed, which the bankers promised to do and they called a corporate office on speaker phone and I heard them request correction. Instead, a THIRD inquiry, unauthorized, appeared on my XXXX credit report on XX/XX/2018. 

I have TWICE sent a formal letter in writing to XXXX demanding correction. The company has failed to respond.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed some inaccurate information. Please see attached file below. I was never late paying these accounts.
Product: Debt collection

This company is in direct violation of 15 U.S.C 1693 ( f ) and FDIC 6000- Consumer Protection ; TITLE VI - ELECTRONIC TRANSFERS 908 Error Resolution and have refused to pay the Treble Damages demanded for failure to conduct a good faith investigation, provide in writing and results of any investigation and determination within ten business days and still have failed to do so, they have failed to mail any findings or reproduce any documents they used to determine their findings, they have failed to provided the verifed, certified and complete transaction history I requested within ten days. These are all direct volations of this consumer protection title vi - electronic transfer 908 error resolution. I received a bill from this company and went online and paid them three times each amount was for {$2200.00} they stated that no account was found. I faxed them a letter of dispute and requested an audit be conducted and asked them to provide me all documents included the verified, certified and complete transaction history of my account within 10 days ( based off the EFT Act ) or Treble Damages of 3 times the amount of each payment submitted would apply. The company failed to provide any documentation requested nor did they complete a good faith investigation within the 10 day period and provide the documentation from that. By failing to do so this is a violation of the act stated above and I am entitled to the damages requested that come to the amount of {$20000.00}. They also failed to produce their W-9 form as requested on 10 occassions. they also knowingly and willfully concluded that my account was not in error when such conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation as they had produced no such documentation to support that finding and this was all done AFTER the 10 days in which they had and also not until I told them I would be filing complaints with the FTC, FDIC, and CFPB. I sent a demand letter for the damages in which they ignored.
Product: Debt collection

I have received phone calls from Regional Acceptance four to five times a day! Sometimes even more than that. Over the past few days they have called at least twenty times and from several different numbers. This includes calling and hanging up right after. They even called me 4 times within an hour! I ca n't answer the phone most of the time because I 'm at work. They will call all the time. I 'm behind on my bill but they did n't honor an agreement made. I made a payment recently online and saw that they are still charging me for XX/XX/2016. I have paperwork stating that it is pushed to the back of the loan. I have had harassing calls in they past from Representatives, supervisors, and managers alike. It got so ridiculous I had to speak to a branch manager. This company is very unprofessional and they do not honor their agreements. I 'm a single parent and had to deal with many hardships when I got my vehicle financed through this company. I have tried my hardest to play catch up but XX/XX/XXXX I took a pay cut. When trying to pay up my balance XX/XX/2016 that also became another issue with multiple problems. I kept getting quoted different amounts and no one could give me a straight answer. They tried taking a payment and it did n't go through. When I called to find out how I could resolve the issue they said oh just pay x amount and then I wo n't have to pay XX/XX/XXXX. Completely differen again from what I was told days before. And I did pay. Now they are n't keeping their word. I do n't trust this company or the workers there. I do n't know what to expect while I 'm on the phone with them. Majority of the time I 'm met with hostility and do n't feel comfortable speaking to anyone there.
Product: Checking or savings account

XX/XX/XXXX I opened my checking account, and nothing looks wrong. There was no hint I needed further action or documents. 
XX/XX/XXXX I received a XXXX email, filled it and scanned my ID online. 
XXXX I still can not fund the account, all my deposits have been reversed. M & T XXXX says " it's still under review that's why it's frozen. You can wait until Thursday to call back. '' XXXX My savings account that I used to fund the M & T account both got reversed and frozen ( that I have to call to resolve it ). I called M & T again asking if I could close the account and delete everything I had with them. Their rep told me I can not do anything unless I go to a branch. The closest branch is XXXX away and only open XXXX to XXXX. 
XXXX Called XXXX time. After XXXX phone holds and transfers to 'another department ', they told me the account ban has been lifted on XXXX but I have to " call another fraud department to lift the online client ban ''. Here we go again on the XXXX call. 
XXXX they locked my online account again for no XXXX  reason! I had to call the XXXX time! They still did not tell me what the issue was all the time and were almost mocking me. 
Up to this moment, I still can't fund this account and the first monthly fee is on its way. I can not close my account either unless I drive to their branch and pay an early closing fee.
Product: Debt collection

On XX/XX/2020 I sent Americollect Inc. a certified letter, they received it XX/XX/2020. The letter was requesting that the alleged debt be validated. They failed to do so, they sent me an itemized statement with someone elses name on it. This isnt my debt.
Product: Debt collection

I recently received a letter from the XXXX XXXX of New York in regards to Notice of Garnishment. Judgment creditor from XXXX XXXX XXXX that I have never heard of until XXXX days ago. I have never received any notices of any kind regarding this matter. The judgement states that I owe over {$27000.00} that I have no idea to whom or for what. I have excellent credit and have never had any judgements against me. Is this even legal or am I in a case of mistaken identity?
Product: Credit reporting, credit repair services, or other personal consumer reports

I got into an accident in XX/XX/XXXX. My car was declared a total loss in XX/XX/XXXX. This being my first car off the lot and first total loss incident I've encountered I wasn't sure what to do with the payments towards my account. 
I called the lender my car was financed from ( Citizens Bank ) and a representative specifically told me that I do not need to make payments towards my car loan because they understood it's a total loss and the GAP insurance will take care of it. 
XX/XX/XXXX came and noticed a derogatory mark/missing payment on my credit report. I've never had a missed payment since I've started building my credit. It came from Citizens Bank ; a missed payment during the time my car was declared a total loss. I called Citizens bank explained the situation, filed a dispute, and my dispute was denied. This isn't fair to me because I was told specifically by Citizens Bank representative that I didn't have to make payments towards my car loan and its because of them Ihave a derogatory mark on my clean credit history.