23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute XX/XX/XXXX with Experian and requested deletion of a collection account because it was illegally reporting. I informed EX and provided evidence that the collection company received my timely response to the dunning letter in which I disputed and asked for validation of the debt they were claiming. The CA was not showing on my credit file XX/XX/XXXX,  the day they signed the CMRR. The CA ignored my validation request but instead, on XX/XX/XXXX, violated FDCPA laws by placing a new listing on my Experian credit file with remarks stating " dispute investigation complete-consumer disagrees ; >placed for collection ''. The law is clear that the collection agency was to cease all collection activity until they responded to my request. The mere placing of the account on my report was illegal because it constituted collection activity. The comments in the " remarks '' field was also a FDCPA violation and does not meet FCRA requirements as stated on my file ; the verbiage in that field is reserved only for an existing collection account when the consumer has not timely requested validation. Placing the comments in that field was a violation because it was a newly added tradeline and furthermore, there was no completed investigation for me to disagree with because the CA ignored my demand letter. 

Additionally, I informed EX that I spoke with the company that the collection agency lists as the original creditor and was informed that there was no account in my name that was in collections. I have evidence to support. 

Experian delivered results of my dispute in 3 DAYS, on XX/XX/XXXX claiming that the data furnisher certified that all the information is accurate and the account remains unchanged. I have every reason to believe there was no investigation. 

At this point, EX has violated my rights under FCRA because it is illegally reporting inaccurate information. The fields showing original amount owed and recent balance are false. The implication that I paid the collection agency {$50.00} is false, the date of last payment is false. I provided Experian with copies of the signed CMRR and the letter to the collection agency requesting validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a ticket on XX/XX/2023 and The court dismissed it and should not be showing on my record
Product: Bank account or service

What can you say about USAA BANK other than they murdered my life and killed me a long time ago, I am living my life on fumes. After being robbed of over {$100000.00} things including, music demos, screenplay drafts for projects for money, all my personal things like license info, and social security info, after being idenitity theft through USAA CHECKING account and USAA BANK CREDIT card and proving it and bringing people to justice and after a car accident we proved was not our fault, USAA BANK refused to pay out all they owed, closed checking account illegally, the issues are extreme, they even illegally put me in credit reporting XXXX found them guilty and removed them but XXXX has not I Am attaching a letter from XXXX XXXX to show I WAS ONLY AN AUTHORIZED USER, USAA BANK and ceo XXXX XXXX, I have phone calls, emails, letters from city controllers and other agencies to prove I Am in the right. I Am terrified they get away with this by simply saying WE ARE FOLLOWING FTC regulations, but they are not, they are evil. I am actually waiting for them to finish my life off, there are so many other issues, I am attaching a XXXX document as well to their only XXXX % of what they did. XXXX, I know they are gon na come for me and finish me off soon, they are so evil, and gross. XXXX XXXX ext XXXX at USAA BANK is also an evil henchmen for USAA BANK. HELP ME HELP ME HELP ME HELP ME I AM DROWNING HERE AND TERRIFIED.
Product: Credit card or prepaid card

Shut off my account, and I can not access my phone and they froze my account, leaving me and hard times with bills to pay
Product: Credit reporting or other personal consumer reports

The following companies are in clear violation of 15 USC 1681b permissible purpose of consumer reports. The law clearly states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER ( 2 ) In accordance with written instructions of the consumer to whom it relates. I DID NOT give written permission to furnish this on my credit report and they can not provide my written instructions. Furthermore, FCRA 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states Exclusions except provided in paragraph ( 2 ), the term consumer report DOES NOT INCLUDE ( 1 ) report containing information solely as to transactions or experiences between the consumer and the persons making the report.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because XXXX XXXX XXXX, Accelerated recievables solutions, and XXXX XXXX services placed a debt into collections that arose due to a data breach, which I believe is an error. The sequence of events is as follows : Data Breach Incident : On XX/XX/XXXX, a data breach occurred at XXXX that exposed my personal information. I was notified of this breach when I noticed the collections and immediately took steps to monitor my accounts and credit reports. 

Unauthorized Activity : As a result of this breach, an unauthorized account or charge was opened in my name, which I disputed with all credit unions on variety of dates. I provided supporting documentation, including a copy of the breach notification, proof of identity theft, and dispute letters to the credit bureaus. 

Debt Collection : Despite my dispute, the credit companies placed the debt into collections, causing further harm to my credit score and financial standing. This action was taken without adequately investigating the dispute or resolving the matter. 

My Actions : Since learning of this issue, I have taken the following steps : Contacted all credit company to dispute the debt. 
Provided evidence of identity theft/data breach. 
Submitted disputes to the credit bureaus. 
Filed a FTC Identity Theft Affidavit on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

IT APPEARS THAT THIS ITEM XXXX HAS TURNED INTO A CHARGE OFFXXXX 
XXXX XXXX XXXX BUT I NOTICE YOU NEVER SENT ME A 1099C FOR CANCELLATION OF DEBT OF THIS ITEM, DUE TO MY FINANCIAL HARDSHIP. 

If the file isnt removed you will be sued for {$1000.00} per item.15 USC 1681n ( Civil Liability )
Product: Checking or savings account

On XX/XX/XXXX, a flight was purchased using my debit card for {$260.00} and immediately an hour later, call was made to XXXX to cancel the purchased. It was cancelled and my account was not charged at that time. However, a day later ( XX/XX/2020 ), charge of {$2200.00} was posted to my account from a merchant that I did not recognize the name and I immediately, I called Suntrust to stop the payment that it was a fraudulent charges. Suntrust opened a case to investigate. Nonetheless, upon completion of an investigation from Suntrust, they decided that the charges were justified and I'm responsible for the charges and the overdraft fees that was incurred during the investigation. In other word, Suntrust denied my claim stating it was denied because I had interaction with the merchant. I have called the supposed merchant several times with no success. I thought this was a fraud since I did not purchase anything for {$2200.00}. I want Suntrust to refund my money in the amount of {$2200.00} plus {$72.00} for overdraft fees since I called them less that 24 hours that it was a fraudulent activity. Suntrust has the power to stop any payment that I want them to stop. They are supposed to protect my money and they failed to do so. They blocked my card several times for small amount and did not think they should blocked this large amount before authorizing it. Why I'm banking with them if that can not protect my hard earned money from thieves?
Product: Debt collection

XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Original Contract and 1099-C Form, Complaint Filed Dear Resurgent Capital Services of LVNV Funding LLC , I am writing in response to your recent communication regarding the alleged debt you claim I owe. As I have filed a formal complaint, I would like to assert my rights and request the following in accordance with federal and state laws : Original Contract : According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( a ) ( 4 ), I am entitled to request verification of the debt. As such, I request that you provide me with the original signed contract or any other documentation that demonstrates I am legally obligated to pay this debt. A mere statement of the amount owed without supporting documentation is insufficient under the law. 

1099-C Form : As this alleged debt was previously charged off by the original creditor, I also request a copy of the 1099-C form issued for the tax year in which the debt was forgiven or canceled. Under IRS regulations, if a debt is forgiven or written off, the creditor must issue a 1099-C form to report the cancellation of debt as income. Please provide me with this documentation for my records. 

Failure to Acknowledge Notice : I would also like to note that your communication has failed to acknowledge whether I have been properly notified of this alleged debt. Under 15 U.S. Code 1692g ( a ), a debt collector is required to send a written notice to the consumer within five days of the initial communication, providing details such as the amount of the debt, the name of the creditor, and a statement of the consumer 's right to dispute the debt. To date, I have not received such notice. Please provide evidence of this notification. 

Please be advised that I am keeping a record of all correspondence and have taken further action that I deem necessary to protect my rights. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General since this matter has not been resolved in a satisfactory manner. 

I expect to receive the requested documentation within the time frame prescribed by law. Failure to do so may result in further legal action to enforce my rights. 

Thank you for your attention to this matter. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I had tax lien on my report, and it has been taken care of, have a release form and also the court has in on file. I want to know where do I mail it to? so it can be clear from my credit report, I can not find any phone number or address on website.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inaccurate information in my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The information listed is incorrect and needs to be removed or corrected as per your obligation under this law. 

XXXX. Incorrect Name : Listed Name : XXXX, XXXX, XXXX Correct Name : XXXX XXXX XXXX XXXX. Outdated Addresses : Listed AddressesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Outdated ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Outdated ) Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Section 609 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The incorrect name and outdated addresses listed in my file do not accurately reflect my current or historical information and need to be removed immediately.
Product: Debt collection

Part 2 of ID FOR COMPLAINT SENT TO SELECT PORTFOLIO SERVICING , INC . 
XXXX Prevention of timing out of system
Product: Credit reporting or other personal consumer reports

I'm writing to request that my consumer report for XXXX and this month and my consumer file be sent to myemailaddress XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit report there is a new negative remark from Phoenix Financial Services. This is an old account paid off in 2019. There should not be any collection of a debt that is settled. I tried to dispute this as this is an error from XXXX as they were the firm with power of attorney that settled it. XXXX did nothing to resolve this issue. Please see attached documents for proof of settlement and please remove the negative judgement that is unfairly placed in my credit report.
Product: Credit reporting or other personal consumer reports

I sent a dispute to XXXX and Transunion regarding an account that is on my report. I stated that I never received ANY written notice that they were going to furnish negative information on my consumer report neither prior to or 30 days after furnishing. In that dispute I requested that they conduct an investigation and request proof from the furnisher that they provided me with such notice. It has been 2 months since I mailed it out and I have not yet received a response from these agencies. I demand that they delete this information immediately.
Product: Credit card

I have encountered several unethical interactions with Bank of America. Their ongoing deceptive practices aim to defraud customers by falsely reporting late payments. This tactic appears designed to sabotage customers ' credit lines, increase interest rates, and reduce credit limits. 

I possess supporting documents for these fraudulent actions. 

Bank of America employs deceptive practices to create financial instruments that defraud their customers, akin to similar actions by other banks in the past. Despite having already paid fines for such conduct, the continued lack of government oversight perpetuates the erosion of trust. The deception and fraud persist unabated. 

Additionally, the XXXX representative assigned to my recent cases has been completely inaccessible. I received a voicemail at XXXX XXXX  XXXX, but all my callbacks and emails have gone unanswered. 

I have reached out to my senator and congressman for assistance in navigating this matter, as I find the governing agency 's role in these proceedings to be duplicitous.
Product: Student loan

I have XXXX student loans under UAS connect but was never informed that payments were due. They did not call, email, or send a letter informing me that payments were due. I was applying for another loan through a different company, but my credit report came back saying that I had overdue loans and i that I will not be able to receive any more loans. The credit report company said that the loan delinquencies will be on my record for the next XXXX years. So in that time I can not get any more student loans and will not be able to pay for college. I called XXXX connect to figure out why my credit report is showing loan delinquencies and they said that it was because my payments were overdue. I was never informed that payments were due and on the website for my loans it said my next payment was due XX/XX/year> so I asked why it was showing up differently on their side. I was told that I had XXXX months worth of past due payments. When I asked why I was not informed of any due payments, they said they could not contact me due to security reasons. I do not see how I was meant to know about due payments when there was no communication of such.
Product: Credit reporting or other personal consumer reports

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ), XXXX XXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$5900.00} ), XXXX XXXX, ( Date Opened : XXXX XXXX, XXXX, Balance : {$9200.00} ), XXXX XXXX XXXX  XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$200.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$180.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

I started the refinace on my primary home with sprout mortgage on mid XX/XX/2020. After many emails to correct many mistakes, they closed in mid XX/XX/2020. Now they fails to transfer the loan to the servicer and they do not answer calls and if they answer they hang up if you just discuss the mistakes they make. They blame others for their mistakes like title company or escrow company just to get rid of your call. Never gave real help and their excuse that they are busy. If they can not serve new or existing customers, they should stop getting new customers or acting as lender for homestead and primary residence for citizens. 
My payment is due on the XXXX of XX/XX/2020 and until this moment they did not gave the loan to plants home lender.
Product: Debt collection

I.C. System, Inc is trying to collect what they say is XXXX debt for {$280.00}. I do not know what this debt is for. I have asked for proof but have received nothing. I filed dispute through XXXX as this same debt showed up a few years ago with a different company called XXXX XXXX XXXX. I disputed that through XXXX on XXXX XXXX XXXX and XXXX cancelled that debt because it wasn't valid. However I guess they sold the old information to I.C. System who is now trying to collect on the previously canceled debt. I have disputed this again with XXXX but they won't remove from credit report. As I mentioned above I have no idea what this {$280.00} debt is originally for, as never received anything about this from XXXX on this. We switched our cell phone service 4 or 5 years ago to XXXX  and everything was good with XXXX when we left. They wouldn't have let us keep our cell phone numbers if we were not ok with them. So I think this is a bogus attempt to collected a debt that was never valid. Also why would XXXX XXXX XXXX cancel debt if it was valid? I have asked for documentation from I.C. System but have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX, XX/XX/XXXX without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXXXXXX XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), 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. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that is reporting either in error or as a result of identity theft. Please assist me in getting the following accounts removed from my credit file : XXXX XXXX XXXX - {$5400.00} XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$140.00}
Product: Debt collection

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX todays date XX/XX/XXXX SS # : XXXX XXXX XXXX I see a car loan charge off on my credit report ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX COMPANY INFORMATION : XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX I ASK FOR THIS ACCOUNT TO BE INVESTIGATED AND DELETED AND REMOVED FROM MY CREDIT REPORT FAIR CARES ACT LAW 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) 15 U.S. Code 1681c