23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today is XX/XX/XXXX and I am responding to communication from EOS CCA. Per response from this company, it was stated that this account was received on XX/XX/XXXX. XXXX well aware that I have a right to dispute any alleged debt that a collection agencies receives in 30 days with a notice of collection. So that means I should have received a letter from EOS CCA around XX/XX/XXXX. Please provide me with proof of this letter that was sent that I NEVER received. The address of this bill is an address that I have never lived at in my life.Lastly a bill, or statement is not validation. Anyone can furnish a document as such. Where is an original agreement with my wet signature with XXXX agreeing to open this account. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor XXXX. I have received a response that does not indicate or prove I approved this credit transaction with my social and ID. I was provided billing statement. Anyone can furnish billing statements. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). ( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. I am proceeding with legal action as prescribed by law against EOS CCA Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureaus responsible for reporting this violation.I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely
Product: Credit card or prepaid card

I bought a bike for 30 day trial from XXXX after which I return the bike during the trial. I hadnt received a refund so I filed a claim with the credit card. Now the credit card closed the dispute as they tell me XXXX says they have not received the bike however when I called XXXX they told me the only reason they didnt give a refund was due to the dispute. How XXXX said that yes they owe me the money because indeed they have received the bike.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  X/XX/17   , I requested  XXXX   & E quifax to validated accounts on my credit report and received response on  XX/XX/2017    from  XXXX  and on  XX/XX/2017    from Equifax that accounts where verified but was not provided any documentation as to how these accounts where verified.     Also  XXXX   XX/XX/2017    report - on  X/XX/17    I requested that the status be updated on all of my student loans including late payments because my account was in forbearance and dates where not accurate. There is also duplications of my student loans on my report and they have refused to address that issue. I have attached a copy pf my letter that was sent to them
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saving that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXXXXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXXP Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Thank you for your time and help in this matter.
Product: Debt collection

National Credit Adjuster LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear National Credit Adjuster, I am writing to formally request the purchase agreement and validation of the alleged debt you claim I owe, as permitted under 15 U.S.C. 1692g. To ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ), please provide the following information : 1. A copy of the purchase agreement that demonstrates your legal right to collect on this alleged debt.

2. Detailed documentation that validates the existence and amount of the alleged debt, including the name of the original creditor and account information.

Additionally, I want to raise my concerns regarding your communication tactics. I have received constant communication from your office that I consider harassing, which I believe constitutes a violation of 15 U.S.C. 1692d. This relentless communication has also invaded my privacy, infringing upon my rights as a consumer. Therefore, I request that you cease all communication with me regarding this alleged debt until the requested validation is provided.

If you fail to provide the requested documentation within 10 days, I request the immediate deletion of any records of this alleged debt from your files and that you cease any further collection efforts, as allowed under 15 U.S.C. 1692c.

Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and identified two addresses that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is just how ___ up this system is. I paid OFF a debt that was the result of a weather catastrophe ( had to buy a generator after a CA state natural disaster ), and Experian and likely the other two bureaus LOWERED by credit score by XXXX points! 

This system is truly so horrible. I paid OFF A DEBT. I am interested in PAYING OFF MY DEBTS but in America, they hold this AGAINST YOU. This system is sick. It does not serve US.

I demand to know why they LOWERED my credit score and I am really tired of posting these complaints but nothing changes in the system itself. Why does CFPB even exist? We don't get it.

Thank you.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I am a victim of identity theft. I was in a car accident where my wallet with my ID, social security card, credit cards, and other sensitive information was stolen. I recently discovered that there are accounts and inquiries on my report that I did not authorize. I have filed disputes with TransUnion, XXXX, and XXXX and have yet to receive notice of an opened investigation.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate and unverifiable reporting of the XXXX account on my credit report. This account contains multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. The account details are as follows : Creditor Name XXXX XXXX  Account Status : Charged off as bad debt Balance Reported : {$1000.00} Reported Charge-Off Date : XX/XX/year> Specific Issues : 1. FCRA Violations : The balance reported is inaccurate and unverifiable. I requested proper validation from XXXX, but they failed to provide documentation supporting the balance and account status. 
The account status ( Profit and Loss Write-Off and Charged Off as Bad Debt ) is inconsistent and does not comply with FCRA 1681e ( b ), which requires maximum possible accuracy in credit reporting.

2. Metro 2 Compliance Issues : The account lacks a detailed 24-month payment history, which violates Metro 2 guidelines for transparency and accuracy in reporting. 
The reported charge-off date and balance are inconsistent with prior payment activity. 
3. Impact of XXXX  Inadequate Investigations : I was directly impacted by XXXX  failure to properly investigate disputes, as documented in the XXXX  CFPB lawsuit. Their flawed dispute processes allowed this inaccurate information to remain on my credit report, causing financial harm and damaging my creditworthiness.

Actions I Have Taken : I requested verification and correction of this account from XXXX and the credit bureaus. However, they failed to provide sufficient documentation to substantiate the reported information. 
Despite my efforts to resolve this matter, the inaccuracies persist, violating my rights under the FCRA and Metro 2 compliance standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in Indiana. My identity was stolen, and someone opened an account in my name in a state I have never been to or lived in for utilities with XXXX XXXX XXXX XXXX XXXX, in the amount of {$600.00}. This account was turned over to a collection agency in Kansas by the name of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX KS XXXX XXXX. I disputed this on my XXXX Credit Report after discovering it when I applied for credit for a car loan. XXXX XXXX did an investigation and verified it as accurate! 
I called XXXX XXXX XXXX after the dispute was verified as accurate by XXXX as they are the ones who put it on my report. They could provide no information claiming that they are going by what XXXX XXXX is reporting to them. I called XXXX who said to prove it wasn't mine, I had to verify my identity XXXX. I searched the web and was unable to locate this website. I am getting the run around and it has already cost me money. I had to purchase a car and my interest rate was 18 % due to this false collection on my account. It is common sense that someone who lives in Indiana does not have utility account in Kansas. They could have no proof of this debt as it is not mine! I need Help.
Product: Credit card or prepaid card

On XX/XX/2021 I received a notice from the Colorado Department XXXX XXXX that I had applied for unemployment benefits, which I had not. I notified them through their online process that this was a mistake or fraud. My employer also notified them that this was fraud. 
Today I received a prepaid " Reliacard '' from US Bank. Their phone number directs me to their website, which isn't working. 
I need this account closed, flagged as fraud, and all further progress on this fake claim for benefits ceased. I am looking for verification as such, and US Bank is unavailable.
Product: Debt collection

I called XXXX XXXX XXXX because I was going to set up for a service They told me I had a past due balance I paid the past due balance Now this debt collection agency tells me I still owe them how is that so if I paid them the past do balance they have not showed me how I still owe {$260.00} as in how those charges where accumulated Also I didnt receive a validation letter in the first five days of contact
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX CA,XXXX-XXXX  ; XXXX XXXX XXXX  XXXX CA,XXXXXXXX  XXXX XXXX XXXX XXXX  XXXX CA,XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX CA,XXXX  ; XXXX XXXX  XXXX XXXX Balance : - ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  XXXX  Inquiry : XXXX XXXX, 2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the ongoing inaccurate and misleading reporting of an XXXX account, as reported to the major credit reporting agencies ( including but not limited to : XXXX, XXXX, Equifax, and XXXX ). 

The payment history provided by the credit reporting agencies shows XXXX repeatedly reporting " Charge Off '' ( CO ) every month in XXXX and XXXX, despite the account being charged off in XX/XX/XXXX. A charge-off is a one-time event, and continuous monthly reporting distorts the actual history of the account. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers have a legal obligation to report accurate information, and this repeated reporting is both misleading and damaging. 

In a previous attempt to resolve this matter, XXXX 's response states that the account was charged off, and the balance was written off, yet my report continues to show a past-due amount of {$1600.00}. If the debt has been written off as stated, there should not be an outstanding past-due amount. This contradictory information violates 15 U.S. Code 1681s-2 ( b ), as they are obligated to correct and update inaccurate information upon dispute. 

XXXX acknowledges the ongoing reporting of this disputed debt, yet refuses to remove the tradeline despite its inaccurate status. This constitutes defamation, as the continuous reporting of incorrect information tarnishes my financial standing, leading to denials of credit and financial harm. Under 15 U.S. Code 1681n, you are to be held liable for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), and Discovers negligent actions have defamed my credit reputation. 

While XXXX claims that the matter has been " thoroughly investigated, '' the continued reporting of false and conflicting information demonstrates otherwise. Under 15 U.S. Code 1681i, they are required to properly reinvestigate a dispute and correct any errors. 

Therefore, I am requesting the immediate deletion of this erroneous tradeline from my credit reports with all credit reporting agencies. In addition, given the unlawful, negligent, defamatory, and willful actions and practices of XXXX, XXXX, Equifax, XXXX, XXXX, and all other persons/companies involved in the reporting of this account, I request a compensation check in the minimum amount of {$1000.00}, payable to XXXX XXXX XXXX for the damages caused to my credit and financial standing under the following laws including but not limited to : 15 U.S. Code 1681n for noncompliance with federal law, 15 U.S. Code 1681o for failing to ensure the accuracy of the information reported which has caused consecutive credit denials and ridiculously high interest rates, 15 U.S. Code 1681i for failure to conduct a reasonable investigation into my disputes, and defamation for willfully and negligently reporting false information that damaged my reputation as a financially responsible and creditworthy person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX issued me a card to buy a XXXX phone. I got the credit in XX/XX/2018. I paid as agreed and used their system to pay my account in full in XX/XX/1019. But then months later they said I owed them {$18.00}. This hit my credit with almost an 80 point drop. 

XXXX/XXXX
Product: Vehicle loan or lease

My vehicle was repossessed by Ally auto company. They stated that I defaulted on my lone but they stopped taking payments in XXXX of XXXX. In XXXX of XXXX and again in both XXXX and XXXX of that year I was contacted by ally about a past due amount on my account witch I offered to pay in full all three months. All three time my payments offer was denied. They continued to take my monthly payments. Then suddenly in XXXX of XXXX they stopped. I didn't realize this until just recently. I had no notification that they were not taking the payments. On Monday XX/XX/XXXX of this year they repossessed my vehicle stating breach of contract for nonpayment. I have tried to contact them to find out what was going on and there reason for not take payments. I could get no answer after being transferred from department to department. It is apparently clear that the reason my loan went into default is there decision to stop taking payments. Not one person could answer why. When I got transferred the last time to the department I started with I was informed that suddenly I wasn't on the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion regarding their handling of inaccurate information in my credit report. Specifically, I believe TransUnion has violated consumer protection laws by enabling debt collectors such as XXXX XXXX XXXX and XXXX XXXX  to continue reporting on debts they have failed to properly verify and debt that include unfair, inaccurate and misleading information despite having filed multiple complaints with over the years. These credit reporting agencies have failed implementing protocols that protect consumers, and continue reporting on disputed debts without properly investigating disputes : This makes it easier for debt collectors to use unlawful tactics to target, abuse and damage consumers credit worthiness while knowingly violating consumer protection rights The following issues highlight my concerns : - 15 U.S.C. 1681i ( a ) ( 1 ) : This section requires consumer reporting agencies to conduct a reasonable investigation of any dispute concerning the completeness or accuracy of any item of information contained in a consumer 's file.

- 15 U.S.C. 1681i ( a ) ( 6 ) : This mandates that after a reinvestigation, if the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must promptly delete the disputed information from the consumer 's file or modify it as appropriate. 
- 15 U.S.C. 1681g : This requires consumer reporting agencies to provide the consumer with a notice of the results of the reinvestigation, including the specific reasons for the determination when the reinvestigation does not result in a change to the consumer 's file.

Unethical Acceptance of Furnisher data : Seems to rely solely on furnishers responses without verifying their accuracy, even when the information conflicts with the evidence provided. Also, failure to properly investigate Disputes : Inadequate investigations into disputes I filled as the inaccurate information remains on my report despite clear evidence provided These practices not only harm my financial standing but also undermine the protections afforded by the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws put in place to prevent these abuses by unethical and questionable debt collectors like XXXX XXXX XXXX, XXXX XXXX, XXXX among others. I request CFPB put a stop to these matters and hold these bad actors accountable for any violations of consumer rights.
Product: Vehicle loan or lease

I have a car loan with BMO Bank and on XX/XX/XXXX they pulled an extra {$340.00} car payment out of my bank account and when I called to ask why and get it cancelled they said I had set up recurring payments. I do not remember setting up recurring payments nor did it pop up a confirmation page if I did. On my BMO account page it had said my recurring payments were off, while multiple representatives claimed it was on. I was able to get a refund for the {$340.00} but my bank account had charged {$30.00} for an overdraft fee and I requested that BMO pay it and I was told they could not because it was an external bank. I had cancelled all of my pending recurring payments and turned off recurring payments. On XX/XX/XXXX, I had a pending transaction with my bank account for {$340.00} again and I called BMO again and they said I do not have recurring payments turned on but when I asked why it came out then I was transferred to a supervisor who told me that I did have my recurring payments turned on but when I had cancelled it before, it didnt cancel this one for some reason. I was told that they cancelled this pending transaction but it still pulled it from my bank account and shows in process back from XX/XX/XXXX. When I logged into BMO bank to cancel this transaction like we had done last time, my account was locked. I could not cancel this transaction or do anything with my account. This was without warning. I called and they said it would clear when my latest payment posted but they couldnt cancel it. I called again and got a different representative and was told that they COULD take care of it and when I logged in, I was able to check my account as normal. I was told I would have my money back by today XX/XX/XXXX in my bank account. As of XXXX I still do not have it back in my account. I called them around XXXX on XX/XX/XXXX and I was told that it was still pending so they are not able to refund it and I said its pulled from my bank account so how is it still pending. I was told it just is. I asked to be transferred to a supervisor as I was told I would be getting my money back today and the representative hung up on me. I have rent that is due at the end of day tomorrow that I will not have because they have not pulled my rent money from my account against my will and will not even correct the issue or apologize.
Product: Debt collection

On XXXX and XX/XX/XXXX I had received a call from XXXX stating he was from XXXX XXXX XXXX stating that I issued an online check to their client that bounced. They stated the date of the transaction happened on XX/XX/XXXX. I called the bank to check on this claim due to having closed this account years before said date and they could not locate my information or any claims. I asked the guy working with XXXX XXXX XXXX to send me a letter explaining the claim and info on the collections so I can look it over and He said they would not be sending me a letter. Would not let me talk, kept cutting me off saying that they were going to file this and see me in court next week. I tried to explain that I called the bank on XX/XX/XXXX and he got loud with me saying I did not call them because he just got off the phone with them this morning on XX/XX/XXXX and hung up on me.