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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section XXXX and XXXX XXXX provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the items, or inaccurate information, from my file immediately & send me the results to the address. 

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

Capital One Bank USA NA, XXXX XXXX, XXXX XXXX, NV XXXX, ( XXXX ) XXXX, has issued unautherized hard inquiry to my XXXX credit report ( XXXX ) XXXX. Also ississued a unauthorized hard inquary on my XXXX credit report ( XXXX.
Product: Vehicle loan or lease

I had an auto loan with Ally financial for a XXXX XXXX XXXX. I traded that vehicle in on XX/XX/XXXX for a XXXX XXXX XXXX. Ally financial provided the loan for that as well. 
The loan for the XXXX was paid in full but on XX/XX/XXXX, Ally still took out the {$870.00} payment from my bank. I called them multiple times and sent a message thru their online APP asking for reimbursement. They said I would be reimbursed with overdraft fees ( my bank account went negative ) but wouldnt give me any specific dates or dollar amounts. 
I talked to someone from another department about getting this resolved on a few occasions, the last of which being Friday XXXX XXXX she told me the reimbursement wasnt approved but she would try to expedite and get back to me by Tuesday XXXX XXXX. 
I have yet to hear back and at this point it feels like a refusal to reimburse the money they took from my bank account.
Product: Credit card or prepaid card

On XX/XX/2019, I went to use my Kohl's credit card at the store but it was declined.  Then my mom went to use hers to pay for the purchase. Hers was also declined.   A manager came over and stated the store declined it when we tried to use it in her presence.  I had to use another card to make the purchase but was entirely mortified by the fact my card was denied.  While I made the purchase with another card,  I was told I had to call Kohl's to address the issue.  When I  spoke with Kohl's oon the phone,  they said the computer automatically closed my account for inactivity.  When I questioned who authorized it,  I was told it was done automatically and no authorization was given.  I questioned why I was not notified and was told they me they don't notify anyone when they cancel the account. So obviously their policy is to close accounts and embarrass customers at the time of purchase by telling them in front of customers that their cards are declined.
Product: Student loan

For quite a while, Ive been reaching out to this company investigating why is my name or Social Security numberon this for a loan? I requested them to provide me with a signature that I have gave acknowledging that I accepted a loan that I never applied for. Unfortunately, the highest grade I completed was XXXX grade. I never attended any college or university from that point.
Product: Debt collection

I have no contract agreement with XXXX XXXX XXXX and did not authorize anyone to share my information. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. '' I have written several communications to the company regarding this issue.
Product: Debt collection

This complaint is for a collection account on my Transunion credit report. The account showing is XXXX XXXX XXXX. Listed XX/XX/2019. It has them as a lender. I have not taken out any loan or account with this company. For my report it does not show any account number just X 's and the amount showing is {$1.00}. 

I have contacted this company on several occasions and not able to get an resolution. I have spoken with customer service and fraud departments. Either some representatives are not able to either verify me ( which would make sense ), and others pick up info regarding an entirely different person. Provided address and that is not what they have on file for any account. 
I have asked for detailed information to be sent regarding account to me but they have yet to do so. Some stating since they are not able to verify then they can send. I notified them if that is the case how you are reporting something to the credit companies? This collection account is false, erroneous and fraudulent. 
Is it not true that a company has to notify a customer before placing items on a credit report. I never received any notification. This account is fraudulent, and has negatively impacted my credit and personal life for years. Please remove this account from my Transunion report and as well any information regarding this account.
Product: Checking or savings account

I received a refund deposit from my college XXXX  via there payment system XXXX. I went into bank to withdraw funds for big purchase so my card would not lock. The teller withdrew funds from account than was told by someone speaking a foreign language to put it back. Now account has been locked and have no answer from XXXX XXXX ywt
Product: Debt collection

In XX/XX/XXXX, Evergreen Financial went to XXXX XXXX and collection bills combined for my then husband and myself. He got the paperwork and I did not see it. 
We divorced in XX/XX/XXXX. Evergreen Financial was specifically listed for approximately $ XXXX in his list of creditors. In XX/XX/XXXX, after not hearing from them in several months, I sent them the attached letter, certified. I gave them XXXX 's address. I did get a copy of debts, and paid one of mine off. 
I have discovered that an original {$100.00} debt is now {$500.00}. I was told by the man I spoke too in XX/XX/XXXX that it was my " fault and maybe if I had paid my bills we would not be here ''. At the time I did not have the funds to pay the bill as I was bringing home {$700.00} a month after XXXX had a XXXX XXXX and lost his job.. 
I have attempted to settle the {$100.00} debt, and they refuse. They continue to ask me to make payments that are more than I can afford. In XX/XX/XXXX They got nasty with me demanding to know who my second job was with. They stated that any money I sent would be applied to the debt, but not considered a payment. 
I was also told they will not pursue XXXX, even though they have his information. I have been told to pursue him myself However, he is a threat to me. I have had a restraining order against him in the past. I was told so what. They have been rude to me, told me that if I was a responsible adult, I would not have the debt, and that refuse to make a payment arrangement for the full amount of debt, unless it is what they want. 
I can not afford it and pay my basic living expenses and other debt. Again I was told too bad. 
I have been told by 3 employees they will not pursue XXXX because he did not have income.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies, incomplete information and also accounts that are UNVERIFIED OR ARE NOT PROPERLY VERIFIED on my credit report. According to the credit report act, section 611 ( 5 ) ( A ) of the FCRA those credit bureau are required to promptly DELETE all information that is inaccurate, incomplete and which can not be verified. They also violated 15 US code 1681 section 602 ( A ) section 2, and 15 US code 1681i5. I disputed several times those inaccuracies with those 3 credits bureau, and requested an update of my credit report. NOTHING HAD BEEN DONE.

THOSE 3 CREDIT BUREAUS KEEP VIOLATING THE FCRA and FDCPA LAWS By failing to do proper investigation during a dispute, and also always refused to provide the steps of their investigation. 
IT'S SEEMS LIKE KEEPING NEGATIVE UNVERIFIED CREDIT INFORMATION ON THE CONSUMER REPORT IS THE WAY FOR XXXX, XXXX, TRANSUNION TO MAKE MONEY. 
THIS IS A VIOLATION.
Product: Mortgage

I contacted Mr. Cooper, my ( XXXX XXXX ) loan servicer on XXXX XXXX 2020 at about XXXX XXXX. First speaking with XXXX. He told me he could help with anything related to Mr. Cooper, and my loan. I detailed to him that I was looking for assistance to modify or do forbearance on my loan such that I could defer payments for 3-6 months and place those payments on the back end of my loan. Once I explained what I was trying to do, he then stated that was another department. I was then transferred to XXXX, at about XXXX XXXX, and when I again explained what I was seeking to do was told I would need to be transferred once again to another department About XXXX XXXX  I was transferred to XXXX. After again verifying all my previous information again ( already verified twice ), and explained what I was looking for, she stated that Mr. Cooper was ONLY doing deferred payments for 3 months, then a Balloon Payment for the entire amount would be due. I explained to her that that is NOT what the CARES Act, passed by the US Congress stated, nor what multiple news stories have relayed to the public, that deferring payments for 3-6 months, and putting them on the back on my loan was what I was looking for. She then SPECIFICALLY stated that ( Summarized ) The Investors of Mr. Cooper had met, and they decided to deny that option, electing ONLY for a Balloon type payment arrangement. Deferring payments and putting those payments on the end of the loan was NOT an option available through Mr. Cooper. 
I will offer the two links below as to why Mr. Cooper is in clear VIOLATION of multiple laws and should be heavily fined and face jail time for its executives. 

XXXX : XXXX Wont Require Lump-Sum Forbearance Repayments. 
XXXX : XXXX XXXX  XXXX XXXX : XXXX Announces No Lump Sump Required After Forbearance. 
XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, 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 XXXX  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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} IXXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

Charge was reported. I submitted minimal information at first asked if more was needed was told no charge would be reversed and investigaton would be done. 

Later I called to follow up was told to wait, followed up again and was told still pending. After several calls did not get anywhere with claim. I explained in detail over phone what happened but nothing was put into writing on on file for claim. Later received decision that charge was reversed and given to vendor. {$400.00} was added to my card with interest XXXX XXXX XXXX XXXX I refuse to pay for a charge that I disagree with customer support has given little to no resolution just making me jump through hoops and run around just to what I feel is a slap in the face.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Checking or savings account

Due to the confusing nature of the way hotel charges are processed, my account became overdrawn when multiple hotel charges were processed, then removed and reappeared on my account. My checking account is currently overdrawn due to this practise. These transaction occurred during the month of XX/XX/XXXX and XX/XX/XXXX in the amount of {$270.00}. I contact Wells Fargo to explain what happened and seeking a resolution in XXXX, they were unwilling to consider any options.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

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 advocacy group 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 information requested from the list of acceptable items 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: Debt collection

CNAC is calling to collect a debt from my XXXX. The first time they called I told them to stop calling me and remove my number. 
They claimed on subsequent calls that my XXXX  had authorized them to contact me about the debt and that they could continue calling me regardless of what I say.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and me traded in our old vehicle XX/XX/XXXX, from XXXX of XXXX XXXX XXXX, and leased a new vehicle from the same dealership. At the time we traded in the vehicle we were due for our XX/XX/XXXX payment. We understand all payments are our responsibility to make, but when we trade in a car we expect the dealership to pay the old car off within a reasonable time frame. XX/XX/XXXX, I receive a call from XXXX XXXX XXXX stating our XX/XX/XXXX payment had n't been made. I advised XXXX XXXX XXXX that we no longer owned the vehicle and Kia of XXXX XXXX XXXX should have paid it off. I then call Kia of XXXX XXXX XXXX, to inform them the car has not been paid off. I also informed them that now my wife and my credit report reflects a 30 day late. Kia of XXXX XXXX XXXX, informed me that they will provide us a letter to send XXXX XXXX XXXX in order to have our credit reports corrected. I 'm sure Kia of XXXX XXXX XXXX is in some type of violation for not sending the payoff timely. Instead of providing the letter from Kia of XXXX XXXX XXXX to XXXX XXXX XXXX, I disputed the issue with the 3 Credit Bureaus at the beginning of XXXX. 2 of the 3 credit bureaus changed the 30 day late from XX/XX/XXXX to XX/XX/XXXX. My wife and me no longer owned the car as of XX/XX/XXXX, therefore we are not sure why we received a 30 day late, in a month we only owned the car for 11 days. One of the bureaus removed the 30 day late altogether. I called XXXX XXXX XXXX,XX/XX/XXXX and informed them of the issue. The lady I spoke with stated my account ( XXXX ) did not reflect a late payment. She then advised me to dispute the issue with XXXX XXXX XXXX and they will make sure the 30 day late is removed. I disputed the 30 day late with XXXX XXXX XXXX around XX/XX/XXXX. I received a letter dated XX/XX/XXXX, from XXXX XXXX XXXX stating " The disputed information is accurate as reported. '' I called XXXX XXXX XXXX XX/XX/XXXX and inform them of the letter received. The lady ( XXXX ) that I spoke with, needs to be a manager if she is not already. She was so calm on the phone, she was able to keep me from going off on her, even though I my issue was not resolved and I hung up on her. XXXX stated that it was still our fault since we sign the contract that we will make all payments on time and that we need to have KIA of XXXX XXXX XXXX call XXXX XXXX XXXX to have the late removed. I 've attached all the documents I sent XXXX XXXX XXXX, which includes the letter from KIA of XXXX XXXX XXXX.
Product: Debt collection

XX/XX/2019 Dear CFPB company LVNV Funding LLC place a collection on my bureau that is a result of identity theft and has been resolved. I am contacting you to have them please send me a deletion letter and also have that negative trade-in deleted from my all credit reporting agency XXXX.XX/XX/2019. There is no account number listed and everything they are reporting is inaccurate.

XXXX  XXXX   XXXXXXXX  XXXX  XXXX  XXXX  XXXX  # XXXX XXXX, GA XXXX  LVNV Funding LLC
Fraud Department or Billing Department
 XXXX XXXX XXXX XXXX  SC RE : Negative Collection Account Dear Sir or Madam : I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report with all items that I dispute. Because the information you are reporting is the result of identity theft, and does not reflect my activities, I am requesting that you stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I suggest you advise who you purchased this account from the actions I am taking.

Enclosed are copies of FTC Identity theft report, XXXX Police Report supporting my position. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. Please cease reporting this information to the CRAs, investigate, and delete the disputed item ( s ) as soon as possible.

Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ).

If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ) Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft and the deleting of this information from all credit reporting agencies. Notice to furnishers and requisition a deletion letter for the CRAs to delete. 


Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have been harassed by XXXX XXXX XXXX Called several times a day at all hours of the day, and harassed. I was also sued and improperly sued to which I disputed in court. As stated in 15 usc 1692c ( c ) Law states : If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. Furthermore according to section 609 A1A, you are required by federal law to verify through physical verification, of the original signed contract, Any and all accounts that you post on a credit report. I demand to see a verified proof. If you fail to validate, remove from my account immediately.