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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) XXXX ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Yours Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted letters to all three credit bureaus ( XXXX, Equifax, and XXXX. I sent all letters certified and confirmed all received by the bureaus. I submitted a dispute to have all 5 XXXX XXXX XXXX accounts removed from my credit report as well as the US Bnkpt CT FL-XXXX account as they do not belong to me and should not be on my credit report. I received a response from XXXX on XX/XX/2018 with confirmation that 4 of the 5 accounts were deleted. I was some what pleased because none of these accounts belong to me and so far 4 of the 6 have been identified as it not and being deleted. As of today XX/XX/2018 All three reports including XXXX are still showing all of the accounts on my report and none deleted. XXXX  mailed me the first response saying this has been deleted but it is still showing on all three credit reports.
Product: Credit reporting or other personal consumer reports

The account listed were opened fraudulently. I have attempted to resolve this matter without success. Please see attached letter and correspondences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX XXXX LA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX5 US-CODE XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX
Product: Money transfer, virtual currency, or money service

I had a brokerage account # XXXX XXXX I had an issue with their trading regulation. I decided to sell my position and when my trade were settled on XX/XX/2020 I decided to make two ACH withdrawal through XXXX XXXX. exhibit1 shows the returned ACH withdrawal. 

I then decided to withdraw the entire balance 0f {$9700.00} as shown in cash withdrawal with Merrill Edge. I had contact a certain XXXX XXXX from the brokerage who walked over the phone as i was making the withdrawal online ; this occurred on XX/XX/2020. 

On Monday XX/XX/20 I logged-on to Merrill Edge  and found an overdraft charge for the amount I withdraw, even though It was my cash and all settled cash. I have been threatened by an 18 % charge on the assumed overdraft. I called on XX/XX/20 and talked to XXXX XXXX who assured me there was no overdraft ; on that same day I also talked XXXX XXXX who also assured me not to worry. 

I logged -on to my account on XX/XX/2020 and saw the overdraft not cleared and that my own cash is now treated as a margin. I never had any outstanding margin balance and only draw the cash I deposited initially plus any profit I made o n my trades. Exhibit 2 is the last statement that show all cash was settled and there was no outstanding margin on XX/XX/2020. 

I believe this is pure racial bias and lack of cooperation from Merrill Edge to resolve any issues I had with this account. I really need your help with this unnecessary problem that should not have taken place. everything I tried to do with the account does not seem to work
Product: Payday loan

The company is Cash Central online. When I took out the loan the payments were scheduled for XX/XX/XXXX/XX/XX/XXXX but they started taking my monies out before the scheduled date. Yes, it caused me to bounce several times, and I am sick of the harassing calls at work. I emailed and told them numerous of times to please stop calling me at work and they refuse. I would like for this company to leave me alone b/c I am paying them but I told them I will stop paying them due to the fact they are so nasty, and they hate to answer your questions always talking about send an email. I would like to know what can be done?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete a thorough investigation. 

As per Section 609, I am entitled to see the validation from the source of the information, which is the original contract that contains my signature. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) the reporting agency must verify the accuracy of the validation.

Now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received the requested response from this company about these two unverified accounts as of today.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the fraudulent accounts. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX XXXX XXXX XXXX XXXX XXXX ) mortgage company put my account on certified funds when it should not have been. When an account is on certified funds automatic billing is supposed to be removed and stopped. XXXX continued to automatically draft payment in XXXX off XXXX, when their policy stated they would no longer automatically draft payments for accounts in certified funds. 
This led to me being put back on certified funds in which i made payments on time via XXXX XXXX XXXX Mail which is next day arrival. 
The late payment for XXXX proof was given that I mailed the check in on time and the post office did not deliver the mail that i paid to have delivered the next day causing this XXXX up. 
XXXX Transunion and XXXX were notified of all of these errors out of my control but still have not adjusted my credit file. These late payments should be removed from that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 47 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 47 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Product: Debt collection

This collection agency has contacted me several times about a debt that I owe them. I am unfamiliar with this company and do n't understand how that got my information. I know that if this bill is from the old day care provider that I used the bill is not suppose to be this amount. However, this occurred seven years ago. I thought it suppose to have disappeared by now.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an error on my credit report that requires your prompt assistance for resolution. Upon reviewing my credit report, I noticed an inaccurate late payment entry on my account. It is showing multiple 120 days late payment.
Product: Debt collection

I opened a Sears MasterCard account with Sears on XX/XX/XXXX and enrolled in their Debitcare debt cancellation program. Under this program my debit up to {$10000.00} will be cancel if I remain Unemployed for more than 180 Days. I remained unemployed for more than two years. 
This collection Agency reporting wrong date of account opened ( XX/XX/XXXX instead of XX/XX/XXXX ) and still trying to collect this debit.
Product: Money transfer, virtual currency, or money service

I cashed a my check and had a fee to pay.
Product: Money transfer, virtual currency, or money service

I am unable to link my bank account to my XXXX  account
Product: Debt collection

I am disputing a collection report for the following reasons : 1. This is negative is continually being updated as a new event and really is not 2. I filed for bankruptcy back in 2004 in which all of my debtors were paid and I have since been discharged by the court. 
3. I have communicated this to the collector and have gotten no relief. 
4. It has been more than seven years since I first disputed this with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Equifax, XXXX and XXXX to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Product: Checking or savings account

I received a statement dated XX/XX/2021 for a savings account maintained at Huntington National Bank showing that for the months ending XX/XX/2021, XX/XX/2021, and XX/XX/2021, a dormant account fee of {$10.00} was debited from the account for each of those months ( {$30.00} in total ). The account balance prior to the debits was {$120.00} and year to date {$0.00} of interest was paid on the account, yet Huntington Bank saw fit to debit 25 % of the account balance nonetheless. I called them and asked them whether they could reverse the charges and what I needed to do to remove the 'dormant " status on the account for which the fees were charged and they replied, on XX/XX/2021, that there is no longer a dormant status ( but could not explain to me why that status changed since I haven't done anything with the account ) but that they could not return the fees. This fee in relation to the amount of interest paid and the account balance is usurious.
Product: Credit reporting or other personal consumer reports

Complaint to TransUnion XXXX XXXX XXXX XXXX and XXXX XXXX Firm Complaint Title : Failure to Accurately Report, Failure to Verify, and Violations of FCRA & FDCPA Issue : Inaccurate Reporting of Debt by Resurgent Receivables LLC Failure to Verify Debt Before Reporting Debt Collection Violations by XXXX XXXX XXXX XXXX XXXX 

Description : I am filing a formal complaint against TransUnion for reporting inaccurate and unverified debt information in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. XXXX XXXX  XXXX is reporting an account on my TransUnion credit file without providing full debt validation.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), creditors must report only accurate and verifiable information.

Despite multiple requests, Resurgent has failed to provide a Forward Flow Agreement, Bill of Sale, or proof of legal assignment of this debt from XXXX XXXX XXXX, XXXX. 
Resurgent can not legally furnish data to TransUnion if it can not prove ownership or assignment of this debt. 
XXXX. XXXX XXXX XXXX XXXX is attempting to collect on behalf of XXXX without validating the debt. 
XXXX XXXX XXXX has received multiple requests for validation and failed to respond.

Under 15 U.S.C. 1692g, they must cease collection efforts until they provide validation, but they continue reporting information to TransUnion.

3. TransUnion has inaccurately listed this account under the loan type Factoring Company Account, which is misleading and deceptive. 
A factoring account refers to business receivables financing, which does not apply to this consumer debt.

This misclassification negatively impacts my credit report by making it appear as a high-risk financial transaction when it is not.

This is a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and fair consumer reports.

4. TransUnion has failed to conduct a reasonable investigation under the FCRA. 
Despite my disputes, TransUnion has continued to verify the accuracy of this account without obtaining actual proof from XXXX. 
If TransUnion is unable to provide concrete evidence that XXXX legally owns and has the right to report this account, they are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : is double reporting a debt on my credit file with XXXX XXXX XXXX XXXX. They are reporting the same debt and this is a violation per the FCRA. I am requesting that this be deleted off of my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX Account number : 19 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

As of XX/XX/19 Bank of America is holding {$970000.00} is escrow after an insurance loss. I only owe {$970000.00} on the underlying mortgage and have been making regular loan payments.
Product: Credit card or prepaid card

I was notified in the month of XXXX by credit wise that my credit score dropped by 100 points due to a 60 day Capital One credit card late-payment. I currently have 2 other cards from Capital One and the payments have been consistent. When paying on-line, the convenience of viewing each of the three credit cards due dates on a single account summary page helps in keeping up with and making sure my payments remain consistent and on time, no excuse to be had. I spoke with 2 Capital One reps on XX/XX/18 at XXXX XXXX  and learned the following about their on-line payment notification system. 

First, I didnt get a grace period to pay and the email system failed to notify me when my bill was past due. I have been a loyal customer to Capital One for about 3 yrs and this is the 1st time I have been more than a few days late with a payment. 
The following month due date, for this past due card, was provided when paying the other cards through this on-line account. I did not receive notice of a past due payment when viewing th account summary on-line. 

I wasn't given a 28 day grace period, as acknowledged by Capital One ( XX/XX/18 ) and again not reflected when checking on-line as it should have been stated as a past due payment. 

When making/viewing payments for either of the three cards on-line, each card has information of the amount owed, their due dates, and the minimum payment for each on the same page visible with no excuse for late payment. The card in question did not state that is was a past due payment. The due date for each of the three cards are as follows : 1st-card ( 60-day Late-Payment Card ), 2nd-card dues  on the XXXX each month, and 3rd-card due on the XXXX each month. If I am able to pay the 2nd-card due on the XXXX on time, no past due notification was stated for the 1st-card on the XXXX, and also make a payment for the 3rd-card due by the XXXX, I am still within my 28 day grace period, there is a problem with their system. 

I was late once by one or two days last year and received a card declined notice when making purchasing, within the 60 day late payment, this card was not declined of flagged.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX Account XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have rights to privacy.

15 U.S.C. 1681 section 604 A Section 2. If also States a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This item was deleted and you reinserted it without notifying me 5 days after this the account was in violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  ACCOUNT NUMBER- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

ENTITY INVOLVED : CALVARY PORTFOLIO SERVICES, LLC. 

For nearly a year now ( since XXXX ), I have been trying to get erroneous collection data addressed on my credit report with the three credit reporting agencies. 

The erroneous data resulted in a denial of 3 housing opportunities in XXXX. As a XXXX XXXX XXXX, I am beyond frustrated with the reporting entities ' failure to follow federal rules and regs. 

As of XX/XX/XXXX : XXXX finally realized that Calvary Portfolio Services was reporting erroneous data that could not be verified, in violation of Federal Regulation V. 

As of XX/XX/XXXX ( and going back several years ), Cavalry continues to report an alleged collection account with an open date of XX/XX/XXXX to XXXX and XXXX. Upon written request ( dispute ), Cavalry they could not verify the proper account balance ( different from what appears on credit report ), the date the alleged account was closed, date reported or the charge-off date - to the credit agencies. THIS ACCT WAS RE-AGED by Cavalry despite no legal event that would allow re-aging. Per XXXX data, the account is about to turn 7 years old. 

As of XXXX, Calvary reports to XXXX that the contact info. for this alleged collection account is in XXXX, NY. However, Calvary reports to XXXX that the contact info for this account is in XXXX, AZ. This is another clear compliance violation. 

Interestingly, in XX/XX/XXXX, another company " XXXX XXXX '' sent me an invoice out of the blue and - says their client is Calvary SPV I, LLC, owns the account. Payment is demanded. This account over the Statute of Limitations and this entity is located in South Dakota. So, we have NY, AZ & SD offices and two different entities demanding payment on this re-aged alleged debt. 

Thanks to violative conduct by Calvary and associated entities as well as non-compliance by XXXX XXXX and XXXX XXXX by failing to properly obtain verification, harm has been caused to this consumer.