23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

GA Code 11-9-210 ( 2023 ) ( UCC Article 9 9-210 ) As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I have already demanded proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. 

CXXXX XXXX  HAS IGNORED all opportunities to AUTHENTICATE THE DEBT CLAIM ... .no AUTHENTICATION has been provided here in our correspondences, the CFPB can see no such evidence has been provided by XXXX XXXX Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

A bank or credit agency can be liable for identity theft if it negligently releases personal information that helps enable identity theft. The use of my non public information due to false reporting sharing with non affiliated 3rd parties. 

Failure to respond within 4 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment.

For the purposes of 15 USC 1692 et seq., 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. 

This Notice is an attempt to correct your records, to authenticate your records and accounting and any information received from you will be collected as evidence should any further action be necessary. 

The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to send serveral rounds of letters to the bureaus with no responses as well as no results from my letters. I'm showing incorrect information still. I should have gotten a response from the bureaus but never recieved a single letter back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just spent {$29.00} to obtain an updated credit score from Transunion. They processed my credit card and didnt provide me a Transunion Updated Score . Transunion also provided inaccurate score from XXXX. This is not the first time that I pay for Transunion worthless services. 

This company have harmed so many hardworking people they should be punished for all the incorrect information they provide to consumer and lenders. 

Transunion is a dishonest company that sells products that doesnt work, a staff that is unhelpful, and provides incorrect financial data. They have been damaging my credit and reputation posting incorrect financial on my profile since 2019. 

Transunion FAILS to provide accurate data. Transunion FAILS to follow the dispute guidelines. Ttansunion website dispute system also doesnt work, and they fail to timely respond customers. 

CFPB PLEASE PROTECT CUSTOMERS FROM TRANSUNION.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, XXXXXXXX XXXX : Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

This Wakefield is not the original debtholder of the so called debt. Therefore they are violation the ( FCRA ) Federal Credit Reporting Act. I can speak with an have him/her investigate the matter. The temp agency can possibly be sued for violating the Fair Credit Reporting Act. Also this is from a hospital. Therefore this is private sensitive information which Wakefield has no right to. I never give authorization to share my personal medical history with a 3rd party. This is a violation of HIPPA ; which they can also be sued for. I have no knowledge of this debt ; as the original debtor ( XXXX XXXX ) never sent me any proof of this debt.
Product: Debt collection

I have been getting daily recorded phone calls from XXXX XXXX XXXX. 
When I call them back, they say I am being investigated for federal bank fraud and that I would be served. I 've also been told that they would continue to charge me 700 % interest until I paid the debt, which is n't legal in my state and that I would never be able to buy a car or get another job. 

They are also leaving the same recorded messages at my father 's house. I have never lived at that address nor have I used that phone number. 

I have these voice messages saved. 

The company gave me the address of : XXXX XXXX XXXX in XXXX, KY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Vehicle loan or lease

In XX/XX/2018, I called American Credit Acceptance concerning a late fee and to ask to change my due date. The conversation did not go well. After my call, they stop sending me my monthly statement showing how my payments were being applied. I sent them an email XX/XX/2018, stating that I had not received my monthly statements since XX/XX/2018. And, that I could not view how my payments were being applied on their website.

XXXX XXXX   <XXXX>, responded on XX/XX/2018 with an attachment that I could not access because it was time sensitive. As of today, I can see the dates that all payments have been received ; I just don't know whether the principal and interests amounts have been applied appropriately. As of today, I have a balance amount due of {$1300.00}
Product: Debt collection

The original account holder is XXXX XXXX. This account has already twice been sold to collections and both times the tradelines have been deleted when my disputes were found in favor of me the consumer. They have once again sold the account to another collection agency Diversified Consultants. This is not an owed debt in anyway. I have not had XXXX XXXX since 2013 and all equipment was returned. As i have said this account has already been disputed and deleted before and this is another attempt to collect debt that should not exist. If the tradeline is not deleted as the previous two attempts have been i will be forced to file a civil suit against Diversified Consultants and XXXX XXXX.
Product: Debt collection

To whom it may concern I received a copy of my credit report, because I'm in the process of purchasing a home for me and my children. Upon receiving the report I noticed that it had a collections account on there with a balance of {$60.00}. There are two things here that bothers me and has now stopped me from purchasing a home for me and my children. First, this account was paid in full and it should never have gotten put on my credit report from the beginning. Second, although I paid the account I never received a notice from ACCOUNT RESOLUTION CORPORATION COLLECTION AGENCY stating that they were putting this on my credit report. If I'm not mistaken. According to the FDCPA I must be notified within five days of a collection agency putting anything on my credit report. That was not done.

I reached out to all 3 credit bureaus and they are saying that the information was verified accurate. In which, they have not sent me anything showing how they got their information. Nor how this inaccurate account is showing verified as accurate. 

Therefore, at this time I am asking that you please have this paid account DELETED from all 3 CREDIT BUREAUS. I DO NOT WANT IT JUST TO SHOW COLLECTION/PAID BECAUSE IT SHOULD HAVE NEVER BEEN PUT ON MY CREDIT REPORT. IT WAS PAID IN FULL BEFORE IT WAS PUT ON THE CREDIT REPORT. AS WELL I NEVER GOT ANY NOTICE THAT YOU ALL WAS PUTTING IT ON THERE. 

This is really stopping me from securing a home loan for me and my family. 

Respectfully, XXXX XXXX
Product: Bank account or service

Paypal will not allow me to close my account. The reason I want to close my account is that my debit and bank accounts have been compromised. Two unauthorized transactions were processed by my bank ( I have already addressed the issue with my bank ). At this time I have no Paypal transactions pending. They say the reason they will not allow me to close my account is that there are pending transactions. Please provide any assistance you can in helping me to close this Paypal account that has been compromised. 
Thank you, XXXX XXXX
Product: Vehicle loan or lease

I Need To Know That If I Turn This Car In All Payments Will Be Stopped And We Will Not Have To Pay Anymore Payments. The Contract Was Violated The Dealer Never Fixed My Engine Even Though It Has A 2year Warranty. i Cant Even Trade The Car In Because American Car Center Didnt Report The Payments On My Credit. You Dont Have To Compensate Me But I Do Not Agree To Keep Paying For A Car After I Turn It In. Also The Response On The Complaint Stated That We Were Notified From American Car Center That Westlake Was Taking Over That Is False We Were Not Notified Before XX/XX/XXXX Or On XX/XX/XXXX XXXX XXXX XXXX Didnt Tell Us Anything And We Didnt Agree To Giving Westlake Personal Information Such As Social Security Numbers We Can Resolve This Here Or I Will Just Go Through Lawyers And See The Company In Court .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 

Account names : XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Each of the above has violated my rights in violation of the Fair Credit Reporting Act. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 XXXXXXXX XXXX. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made arrangements to set up Payment and it didnt come out 3 late payments! Im in the process of refinancing my home because of covid 19
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done substantial amount of work on my financials and my credit, though not yet perfect has improved considerably. 

Last month all collections account dropped. Only one credit card had a high credit usage ( 66 % ), everything else <12 %. My overall usage was 13 %. All payments made on time for at least 1.3 years. According to what I see in Experian, I am doing just great and my score was XXXX for 3 months. 

This month, I decided to drop my debts even more to boost the score. That 66 % usage card dropped to 49 %. The other cars <9 %. My overall utilization 10 %. 

All else remaining the same, I was surprised to see my score stayed at XXXX!!! 

With the same identical information, XXXX  and XXXX increased a couple of points, which surprised me but at least its a movement. However Experian 3 months, not budging. 

It use to be in the past that the slightes such change would reflect greatly in the scoring, nowadays, I think Experian and other CRAs are pushing people to migrate from Fico 8 to Fico 9 by keeping things desperately stagnant. Maybe Fico is the problem and not the CRAs. I just feel as a consumer that I am not getting the credit due and my hard work to improve my credit is pointless. FICO and the CRAs want to be more and more invasive. 

To add insult to injury, todat I received an alert that I had a hard inquiry. The Experian FICO dropped 1 point!!!!. 

It increase 0 points for what it called a substantial drop in utilization from 66 % to 49 %, or for all the other balances decreasing, or for the collection account falling off. But it budged down 1 point for a hard inquiry. 

So what does that mean? 

There is a lack of transparency and it should be looked at. I am ready to shop a lawyer and sue because I do not get this at all. I worked so very hard, paid down so many debts. 

This scoring system has become a farce that is not to the consumer 's benefit.
Product: Credit card

Subject : Fraudulent Charges on Stolen Credit Cards Complaint Details : On XX/XX/year>, I applied for a Bank of America credit card, but I never received it. On XX/XX/year>, I discovered XXXX unauthorized charges on my account : {$1900.00} {$1800.00} {$600.00} These charges were made by XXXX XXXX XXXX in XXXX XXXX TX XXXX 
I reported this fraud on XX/XX/year>, under Claim ID XXXX. Bank of America confirmed my dispute via email. However, I was later informed by a representative that my claim was rejected because the dispute was incorrectly categorized as counterfeit card instead of stolen card. The banks rejection stated, The chip was read, your PIN was entered, and/or you signed for the transaction, which is false, as I have never received this card. 

Bank of America mailed a replacement card on XX/XX/XXXX, but I never received it. On XX/XX/XXXX, I discovered additional unauthorized charges on this replacement card : {$10.00} by XXXX XXXX XXXX {$34.00} at XXXX On XX/XX/XXXX, I reported these new fraudulent charges and canceled the second card. A third card was mailed via XXXX XXXXXXXX XXXX to prevent further theft. 

I have formally disputed all fraudulent charges, and Bank of America has informed me that investigations may take up to 60 days. 


Additional Steps Taken : Filed a police report : Case # XXXX ( Officer Traore, XXXX Police Department XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX, Phone : XXXX ). 
Reported mail theft to the XXXX XXXX XXXX via XXXX. 
Enabled two-factor authentication and locked my credit card via the mobile app. However, attempts to set up transaction alerts through the app failed due to an error. 

XXXX XXXX : I request : Immediate resolution and removal of all fraudulent charges.

Assurance of proper handling of disputes, including correcting the error that led to the rejection of my initial claim. 
Investigation into why multiple cards were stolen. 
Additional measures to secure my account and prevent further fraud.
Product: Credit reporting or other personal consumer reports

The following accounts are the product of identity theft, I have reached out each respective creditor and as of yet they have not removed these accounts from my credit, please reach out to them on my behalf and resolve this issue. The accounts in question are as follows : XXXXXXXX XXXX XXXXXXXX {$920.00} XXXX XXXX XXXX {$0.00} XXXX- XXXX {$940.00} XXXX- XXXX {$2700.00} XXXX XXXX {$4700.00} ( still on XXXX  ) XXXX  XXXX {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Equifax. 

I never gave direct authorization to that organization to use, in any manner, my personal data. I have found out that they have been using my personal data, storing my personal data in a manner that allowed the data to be accessed by an unlimited number of third parties, and they were profiting off of my data without compensating me for use of my personal data. 

On XXXX XXXX I became aware that Equifax provided my personal information, without my consent, to an undisclosed party, and that they did not properly safeguard my personal information. There are now damages, and my personal data, against my wishes and my personal attempts to protect my data, has been violated and provided to parties that they have provided my personal information to sources that can destroy my credit reputation, name and history, resulting in higher costs, damaged credit, and irreparable damage to my future costs of borrowing and protecting my personal data. 

I have never provided any written authorization to Equifax to use any of my personal data, which is copywrite protected and owned by me, for any purposes and they have violated federal laws in stealing my personal information, and then failing to protect my personal information, selling data about me without my consent, and failing to protect the information which they had collected. 

I am seeking {>= $1,000,000} in reimbursement to cover all necessary legal, financial and reputational costs incurred, and potentially to be incurred over my lifetime for the egregious violation of my rights and federal laws.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have written to Experian three times about an address that is reporting on my credit report that does not belong to me. I have never lived at this address : XXXX XXXX XXXX, XXXX IL XXXX ]. Experian claims that they have verified the address via public records, however, I have personally contacted ALL of my past creditors and not one has stated that they reported this address. I want the address deleted asap. I have never lived at this address. It belongs to someone else with a similar name. Not me.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX Consumer Financial Protection Bureau Dear Sir/Madam , Subject : Issue with Deposited Funds into Closed Bank Account through XXXX XXXX I am writing to bring to your attention a concerning issue regarding a recent financial transaction that has caused significant inconvenience and financial distress. The details of the matter are as follows : I recently started working with XXXX XXXX, a company that utilizes the XXXX XXXX for paying its employees. Due to an oversight, an old and closed Chase bank account and debit card were still associated with my Stripe account. Consequently, on XXXX XXXX, a paycheck of {$480.00} was mistakenly deposited into this closed Chase account ending in XXXX. 

Upon discovering the error, I promptly contacted both XXXX XXXX and XXXX to rectify the situation. However, I was directed to Chase Bank by both parties to resolve the issue of the misdirected funds. After extensive discussions with Chase Bank 's customer service representatives, including the collections department, it was confirmed that no funds were deposited into the closed account ending in XXXX. 

This discrepancy is causing confusion and financial hardship for me, as XXXX XXXX insists that the funds have been successfully deposited into the account ending in XXXX. I have provided all necessary information and evidence to Chase Bank to support my claim, but to no avail. 

I am seeking your assistance in resolving this matter promptly. I kindly request your intervention in facilitating the retrieval of the misplaced funds and ensuring that they are redirected to the correct bank account associated with my Stripe account. 

I have attached relevant documentation, including transaction records and correspondence with all parties involved, for your reference. Your prompt attention to this matter is greatly appreciated, as the funds are urgently needed for essential expenses. 

Thank you for your time and assistance in addressing this issue. I look forward to a swift resolution and the return of the funds to the correct account. 

Sincerely, XXXX XXXX
Product: Debt collection

CAPITAL ONE is a result of identity theft there are multiple accounts attached totaling three ( 3 ) accounts. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX as well as XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

I contacted XXXX weeks ago to inform them that I never received my statement. They basically told me to take it up with the post office and never sent me a duplicate copy. In addition every day they have repeatedly called my cell phone up to 10 times and most times back to back and within minutes of the previous call. This is harassment and against FDCPA laws.