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

To whom this may concern I have recently received my credit reports and noticed that an account was still on my XXXX and XXXX credit reports but have been removed from my XXXX credit report, I am writing this letter to dispute the following account : XXXX XXXXXXXX XXXX XXXX and SANTANDER CONSUMER U These credit agencies and these companies XXXX XXXX XXXX XXXX and SANTANDER CONSUMER U are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company XXXX are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete. This not happening was also a violation of the law. I do not consent to a computer-generated response nor the XXXX system, show valid proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

have complied with request from all three credit bureau agencies and they have not processed fair accurate disputes to have information removed from credit files ... .. XXXX XXXX, IL XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and Bankruptcy that are reporting on my credit file are all invalid, not reporting correcting and are not mine the account numbers, dates, account themselves, and amounts are reflected on wrong credit profile have submitted police report and ID theft Affvd please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I submitted a complaint again dated XX/XX/2023 but it was closed immediately. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Debt collection

As of XX/XX/XXXX, my credit score was XXXX. I received an alert in XX/XX/XXXX that my credit score had dropped and to check for fraud. That is when I noticed the collection with Bull City Financial showing for {$350.00}. I had never received to that point prior or up to this current date ANY communications from Bull City in regards to this matter. My bureaus show the collection date as of XX/XX/XXXX. I contacted a lawyer who was able to assist in placing a dispute on the collection on my bureaus. I was then told the bill was from a utility company I used for a couple of months while I was permanently relocating in XX/XX/XXXX. I called to terminate the services in XX/XX/XXXX and paid the last bill I received in XX/XX/XXXX. The utility service, XXXX XXXX, states their records do not go that far back to verify my service was terminated in XX/XX/XXXX. The bill for the collection is from XXXX through XX/XX/XXXX and I was not living there at that time nor had I received ANY communication from XXXX XXXX OR Bull City Financial that they were attempting to collect from me. XXXX XXXX should have switched the utility back to the landlord when I called and terminated my service. I do have a letter from the landlord stating I did not live there during that time. Since XXXX XXXX would not assist, I sent letters to Bull City Financial since XX/XX/XXXX to have the item removed from my credit files and I have still never received ANY type of communication from them. I am asking your assistance to have this collection removed from all my credit files. My credit score reflected my integrity to pay my bills and take care of any issues to keep my record in excellent standing. Additionally, I have incurred to date, a lawyer fee, credit consultant fee, and a monthly credit application fee of {$29.00} for more than a year without any resolve. I am enclosing some of the letters and mailing receipts to Bull City Financial. Thank you, in advance, for your assistance.
Product: Debt collection

- American express card went to collection in XX/XX/XXXX to XXXX XXXX XXXX in XXXX TX, for the amount of {$1000.00}. 
- No late fees were deducted for the first 3 months of collection XX/XX/XXXX Nor this company discuss doing that, for me. 
- I agreed to pay {$50.00} a month until it was paid. 
- They used a sales pitch to get an American Express Optima card with a {$500.00} limit once the debt was paid. I told them I did not want it and I did not want a lot phone calls as I would pay the debt as stated two lines above. 
- They appeared to be using some over aggressive tactics, by means of tone of voice and words. I do not appreciate that. 
- On XX/XX/XXXX on or about XXXX eastern standard time : Caller from XXXX called me and said her name was XXXX XXXX, from XXXX XXXX. She said " we are gon na need to some secure some checks, this a 30 day card, so we need to get some checks from you ''. I already pay via bill pay to American Express, as I was originally told I could do. I also said I planned on having the debt paid with 12 months roughly. I told them this XXXX last year ( XXXX ). I then explained to XXXX XXXX, I do not give my checking account information out over the phone. Hence, the reason for Amex directly. 
XXXX XXXX also said during the course of the conversation : " Are you getting a an IRS refund? '' That is personal and not any of hers or their business. XXXX XXXX then says " Well we just want to see if you can pay more, now? '' - These are aggressive and unprofessional tactics, a completely disgraceful manner to conduct business. When XXXX XXXX realized I was well aware of my affairs, she quickly said thank you and got off the phone. I do not even know if she really works there or this was spoof call. Either way, if she does, XXXX needs to correct their training deficiencies and enforce quality control. 
- Bottom line is they are unprofessional and the above statements reflect that.
Product: Debt collection

XXXX XXXX {$5300.00} Acct # XXXX I have requested a complete investigation numerous of times. Which they have yet to provide. Per FCRA each account must be complete and verifiable in order to report on my credit report.
Product: Payday loan, title loan, or personal loan

I have a line of credit account with XXXX XXXX XXXX XXXX through XXXX. I have been paying my bill every month at the end of the month when I get paid. On XX/XX/XXXX I paid my usual {$50.00} payment on my account. Up until XXXX I didn't have an issue paying this way. But apparently my paying early and consistently every month is a bad thing. According to the unhelpful staff the new payment cycle started on the XXXX, there is nothing they can do even though they have eyes and can see I didn't intentionally or even unintentionally miss a payment. 

Now I will have a missed payment and a reduction of my credit limit put onto my credit report which will drop my credit score by quite a bit. I've spent XXXX years building my credit so I can buy a home and now, for daring to pay early, I'm getting XXXX  by this company.
Product: Debt collection

Repeated messages regarding XXXX XXXX debt. Ref # XXXX. 
This is not me and they deny it being an attempt to collect a debt however they answer phone as a debt recovery business.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed fraudulent activity.
Product: Credit reporting or other personal consumer reports

i got account that are inaccurate and need to be removed from my report asap!
Product: Debt collection

I attempted to dispute this debt beginning with XXXX for Creditor JPMCB Account Number : XXXX on XX/XX/2021 requesting validation of a debt with the Creditor followed with a second form of communication on XX/XX/2021 along with a Formal complaint dated XX/XX/2021. In addition to the formal complaint I sent a second Formal complaint again on XX/XX/2021. 

On XXXX XXXX I sent third written request and final warning via mail To XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies use LexisNexis Identity Verification services to verify identity. XXXX and XXXX ( the travel pre-check service ) both used LexisNexis Identity Verification in attempt to verify my identity. The automatically generated questions that LexisNexis 's product came up with were entirely inaccurate/ impossible for me to answer. One asked about someone named XXXX XXXX ( have no idea who that is ). Another asked what professional certifications I had ( none of which were relevant ). Both with XXXX and with XXXX, I failed the Identity Verification because of LexisNexis 's flawed product and inaccurate questions. I would like to rectify this problem as fast as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquires not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to furnish paid information on credit file. Company received notices over 30 days ago. Company failed to comply according to FCRA Guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit report there appears a claim by XXXX XXXX. 

for YEARS i have been sending the information to XXXX XXXX and to TransUnion that the claim by XXXX is a FRAUD. 

the credit card was obtained by the ex-spouse a XXXX XXXX XXXX by forging my information and signature on the application. 

again the proofv of the fraud/forgery was sent to not only XXXX  and TransUnion BUT ALSO TO THE CFPB. 

in fact the CFPB opened a case against XXXX Card 's debt collector for continuing to harass me to collect a debt based on a forgery done by someone else when they had the hard evidence of the forgery. See CFPB case CONSUMER FINANCIAL PROTECTION BUREAU, Plaintiff v. 
XXXX, XXXX XXXX XXXX XXXX, XXXX, to date XXXX XXXX and TransUnion have REFUSED to remove the negative reporting that belongs to someone else - the one who committed the fraud by forging the credit application.
Product: Credit reporting

I attempted to go through the dispute process with Transunion regarding an erroneous item on my credit report allegedly involving XXXX XXXX. The amount being claimed is {$2500.00}. This item originally was brought by XXXX XXXX XXXX. I complained. I subsequently tried to have my credit cleared. It was then pursued by XXXX XXXX XXXX XXXX after I went through the TransUnion dispute process. The only cellular phone services I ever used were XXXX XXXX and my current carrier, XXXX. I never had a XXXX account. I am also concerned about the fact that the item appears as " open '' anew once a new collection firm acquires the matter. This is very unfair. I feel that as a consumer, I am being abused by TransUnion. They conduct themselves in a manner that is biased against the consumer and favorable to corporate interests. In this instance, it is harder for a consumer to get an erroneous matter off of a credit report than it is for the private entity to place an erroneous item on a consumer 's report. I kindly request help with this matter.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Re : Permanent Deletion of Collection Item from All Credit Bureaus Dear CFPB, I am writing to formally request the permanent deletion of a collection item from all credit bureaus. This item has already been removed from my XXXX report but remains on my XXXX and TransUnion reports. 

Details of the Collection Item : Creditor Name : Source Receivables MNGMN Account Number : XXXX Date of Collection : XX/XX/year> Basis for Request : Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) : The FCRA mandates that consumers have the right to dispute inaccurate or incomplete information on their credit reports. The deletion of this collection item from my XXXX report strongly indicates that the information is inaccurate or unverifiable, and therefore, it should be similarly corrected or removed from my XXXX and TransUnion reports. 

Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ) : Despite my formal disputes with both XXXX and TransUnion, they have not completed their reinvestigation within the statutory 30-day period required by law. The FCRA is clear that if an item can not be verified, it must be promptly deleted from the consumers credit report.

Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) : In accordance with the FDCPA, I requested validation of this debt from the collection agency. The agency has failed to provide sufficient and accurate evidence of the validity of this debt. Without proper validation, this debt should not be reported to any credit bureau.
Consumer Financial Protection Act ( CFPA ) - Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The continued reporting of this item constitutes an unfair and deceptive practice under UDAAP provisions. The inconsistency of this item 's status across different credit reports is indicative of potentially deceptive reporting practices, which are detrimental to my creditworthiness and financial health.

Prohibition Against Reselling Debt ( FDCPA Section 805 ) : I also request that this debt not be sold to another collection agency. Such an action would not only perpetuate the inaccuracies but also violate the principles of fair debt collection practices.

Enclosed with this letter is proof of the deletion of the collection item from my XXXX report. This documentation should serve as evidence that the item has been deemed inaccurate or unverifiable and should, therefore, be removed from all other credit bureaus to ensure the accuracy and completeness of my credit profile. 

In light of the aforementioned points, I respectfully request the CFPB to intervene and mandate the permanent deletion of this collection item from my XXXX and TransUnion reports, ensuring it does not reappear in the future. This will ensure compliance with federal law and maintain the integrity of my credit profile. 

Thank you for your prompt attention to this serious matter. I look forward to a swift resolution and your confirmation of the actions taken. 

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

I sent a letter to the XXXX XXXX XXXX on XX/XX/2023, requesting to remove : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$600.00} that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaints & I am including it again.
Product: Credit card

On XX/XX/XXXX I paid the entire balance on my Venmo credit card account, which was {$2800.00} XX/XX/XXXX I signed into my XXXX XXXX account and noticed {$2800.00} was withdrawn from my checking account again and again. The amount of {$2800.00} Was withdrawn from my XXXX XXXX checking account x 3. I called Synchrony and explained to a representative that {$2800.00} was to pay the full balance on my Venmo Credit card account and asked if she could transfer the {$5200.00} back to my XXXX XXXX account. The representative said thats not possible. I asked her if I have a credit of {$5200.00} why does my card decline my purchases. She said the account is frozen. I asked why and she gave me no answer so I asked to speak to a supervisor.I explained to him that I had paid the full balance on Venmo credit card and the remainder of the money in the Venmo credit account belongs to me.

He stated I still need to wait 10 to 14 days and there was nothing he could do.

I called Synchrony 4 more times for 4 days in a row and asked about my credit.

The representative said Synchrony will mail a check and it will take 10 to 12 days before I receive the check.

I told the representative that I need the money now and ask if Synchrony can just keep the {$5200.00} due to me on the Venmo credit card and I will use the card to pay bills and necessities. The representative said I should receive a credit by XX/XX/year>. I called Synchrony bank on the XXXX and said, I still see a negative {$5200.00}, she said it wont post till after midnight. I said to the representative thats the XXXX then and not the XXXX as you stated. 
I looked at my Venmo card on XX/XX/XXXX at XXXX XXXX and have yet to receive + {$5200.00}. 
T

he payments on all of my other credit cards had cleared within 3 days. Synchrony claims its not posted yet and will not release my funds and I dont understand why.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report there were accounts appearing that I am not aware with a came from. I have been sending out disputes and demanding verification on these accounts, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX. I wanted these items deleted from my report.
Product: Debt collection

I am a victim of identity theft an identity thief used my personal information without my permission to make the following charges
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 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 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 XXXX of XXXX I turned in an XXXX XXXXXXXX after leasing for 3 years from XXXX XXXX : upon purchasing a XXXX XXXX from XXXX in XXXX SC and financed through Ally Financial at 19 % APR my credit was. XXXX and now XXXX. Ally Financial has reported negative information to the credit bureau since XXXX of XXXX. Despite all of my efforts to make payments monthly for {$420.00} and most of the time {$430.00} or {$450.00} all of my hard money is ongoing toward interest and LATE CHARGES! I have contacted Ally Financial numerous times asking for my due to be changed from the XXXX of each month to the XXXX of each month since I have retired. I do not understand what that company is doing with my monthly payments of the amounts mentioned above. I even asked for a decrease in the APR and was denied twice. I am very upset in the way that I am being taken advantage of financially with this company and no one is available to solve any problems. Thank you for your attention with this matter that seems impossible to resolve. At the present time for XXXX payment the company stated that I owe {$850.00} I don't understand how this company can revolve late charges continuously for months and months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. It is over 30 days and I have not received any results.
Product: Checking or savings account

Ive been going through financials from XXXX forward, Bank of America let one vender hit my account for almost $ XXXX mostly from XXXXXXXX XXXX, during that time I was actively calling the bank and vendor and trying to stop payment and dispute charges and when I could actually get to a human being, still no one would help me. I finally figured out how to delete my card info in XXXX from the vendor, I knew it was a lot then but just realized the full extent. since then, I have found a mountain of fraud, vendors double charging subscriptions for years, subscriptions I never heard of, nor, as it turns out had ever visited their site, were talking literally thousands of dollars here. Also discovered credit cards ( we have only ever had 3 with BOA ) that were opened in our name we we unaware of and were actively being used so I requested an itemized list of every transaction on every single card they had on our report, Ive yet to get a single ONE that is complete, the earliest page on every one has a huge balance already, the little that I did see where countless {$40.00} late fees despite payments being made well over the minimum amount. I started this complaint in XXXX of this year and I just received something in mail Friday saying they werent doing anything. There is no price I can put on the damage this has caused in our lives. We trust these institutions to keep our hard earned money safe from the crooks, and they are the ones stealing from us. I knew that if they couldnt even make right a single report that Ill never get all my money back but I refuse to pay for their incompetence and greed. I pay my bills, Ive worked hard and paid my own way since I was XXXX XXXX XXXX, I want to pay for the things I actually purchased, but I work way too hard to be paying for things that I didnt. I need this false data removed from my credit report immediately and a fair settlement reached. I dont think that a reasonable solution or the records I requested is to much to ask. Plz help me because I know that it is not just me that this is happening too.