23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX was my cable/phone/internet provider for services at my former address. The original technician XXXX XXXX  me during the first " installation '' visit, and never properly installed the services -- he ran my equipment through an old, rotted XXXX XXXX cable that was falling apart in pieces instead of running a new account cable to the pole. The services NEVER worked properly, forcing HUNDREDS of complaint/repair phone calls, texts and emails where they still never properly repaired the services or offered concession discount. I still continued to diligently pay the full bill anyway, because I had no choice, for several years, for service that literally NEVER worked properly from day one. I finally changed services to another company several years later, returned the equipment -- with receipt proof of return, and was forced to file several XXXX XXXX XXXX complaints about the abusive company practices. They continued to charge my credit card for MONTHS after the equipment was returned and services were stopped with them, with a brand new company providing services. I had to voice record and video record their phone calls several times, and they actually SENT ME TO COLLECTIONS 3 SEPARATE TIMES, CLAIMING I OWED A DEBT TO THEM THAT I DO NOT OWE, HOUNDING ME WITH COLLECTIONS NOTICES AND PHONE CALLS AND CAUSING SERIOUS HARM TO MY PRISTINE CREDIT REPORTS AND XXXX SCORE, THREE DIFFERENT TIMES. NOW, THEY'VE DONE IT AGAIN, FOR THE THIRD TIME, PLACING AN ILLEGAL COLLECTIONS DEBT ON MY CREDIT REPORTS FROM CREDIT MGMT LP, THAT WILL HARM MY CREDIT FOR THE THIRD TIME. THEY NEVER STOP. I DO NOT OWE THEM THIS DEBT. THE EQUIPMENT WAS RETURNED WITH RECEIPTS AND EVERYTHING WAS DONE IN WRITING TO PROVE IT. I AM SICK AND TIRED OF THIS ABUSE AND HARM TO MY CREDIT SCORE FROM THIS UNSCRUPULOUS COMPANY AND ITS ILLEGAL AND UNFAIR BUSINESS PRACTICES. I WILL BE SUING THEM FOR WHAT THEY HAVE BEEN DOING TO ME FOR ALMOST TWO YEARS NOW. I AM SICK AND TIRED OF BEING HARMED BY THIS COMPANY. THEY NEED TO STOP. IMMEDIATELY. AND I AM GOING TO SUE THEM FOR THE DAMAGES THEY HAVE ALREADY CAUSED.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0XXXX 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, credit repair services, or other personal consumer reports

I am writing this due to non- reportng with ( Equifax , XXXX , XXXX ). They have failed to add information that was paid in full do to a real estate flip i did from XX/XX/2007 to XX/XX/2007. I strongly believe that they are in violation of the FCRA and are outright hurting the way i do business with my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information from equifax that my financial details where given to third party in a data breach. I have a account on my files that's not mine. This also changed my credit score.
Product: Debt collection

In XX/XX/2021 I sent my yearly fee for a safe deposit box to US Bank. The check was not clearing through my account so I thought it had gotten lost in the mail, I sent another check. Both checks cleared through my account on XX/XX/2021. 

I applied for a refund as I had double paid. Even though I provided images of the checks demonstrating both check had been processed by US Bank they denied more than one check had been processed. I was dumbfounded, I stated a cancelled check is the XXXX XXXX that an amount has been paid. They insisted that if their records didn't show a double payment no other evidence mattered not even proof they had processed the check. Eventually they said I had to challenge the check with my own bank and the banks would get together and find out where the money went. 

US Bank didn't even know which check I had gotten credit for, with the help of my local bank we made a guess as to which check to challenge. 

After much go around with my bank nothing of use has happened. No head to head contact has occurred between the banks as far as I can tell and my bank is telling me I have to resolve this with the " vendor ''. 

Note : both checks have been deducted from my local account. 

The banking system has disappeared my money and US Bank isn't even a little bit disturbed that that can happen.
Product: Credit card or prepaid card

I submitted an Affidavit of Truth to Capital One on the XXXX of XXXX and that Affidavit of Truth was also notarized as well. Capital One closed my account wrongly because Banks can not issue credit. According to 15 U.S. Code 1602 ( a ) ( f ) ( g ) I am the Original Creditor and the Card Issuer and the Original Creditor, the consumer/natural person, gave the corporation permission to extend MY credit to me. By me being the Original Creditor, a corporation can't talk, its lifeless, cant extend to a living natural person, such as myself. The Original Creditor, me, the consumer does the granting. I sent Exhibits to Capital One as well. They know that they were in the wrong because they have sent letters to me so that I can call to re-open my account ; but every time that I call, a rep. says that my account is closed and there is nothing that they can do about it. There is NO such thing as a CLOSED account because credit cant be shut down. Banks can't close anything that they don't own. I will upload the documents and letters from them as well. The solution to the problem is for Capital One to give me MY line of credit of {$11000.00} back and I would like for them to honor what I asked for in my invoice
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and i saw accounts which are not mine. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX and XXXX XXXX XXXX  # XXXX opened was opened XX/XX/XXXX HAVE 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have discovered inaccurate information on my credit report, and I am extremely frustrated that this has not been addressed. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the XXXX credit bureaus are legally required to verify this Bankruptcy. It is completely unacceptable for unverified information to remain on my report without proper evidence, especially beyond the legally mandated timeframe. I demand an immediate investigation and correction of the errors related to the following accounts on my credit report. 
XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/year>
Product: Bank account or service

Chase has been calling in reference to a Debit Card. I opened the Account in the XXXX XXXX. There was an error on the account. The Bank told me not to worry about the account. The account was still open. Now, I am being harassed for {$84.00}. Please have the Bank explain what happened. I did not put the {$84.00} in my account. I spoke with the bank about it and they told me not worry about it. So, I am just wondering why they are calling me stating that the account has been charged off. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account CITICARDS CBNA which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that CITICARDS CBNA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

I filed a bankruptcy that was discharged in XXXX 2011. At that time, XXXX was the servicer of my loan. XXXX was informed that I had surrendered the property through the Bankruptcy and I vacated the home. They applied for and received a lift of stay so that they could commence with taking back the property. Just prior to the Bankruptcy discharge, they sold the servicing rights to Ocwen. For years Ocwen called to collect on the debt even after being informed that I was protected by the Bankruptcy. Ocwen employed delay tactics by trying to get me to agree to a modification. It took Ocwen five years to sell the property. They issued me a XXXX cancellation of Debt but they have it coded incorrectly. It should be noted that it was due to a Bankruptcy. This is unacceptable and a violation of Bankruptcy Code
Product: Credit reporting or other personal consumer reports

I am demanding the immediate removal of fraudulent accounts that have been wrongfully placed on my credit report. These accounts were fraudulently opened in my name without my knowledge or consent, stemming directly from the XXXX Equifax data breach, in which sensitive personal information was stolen and subsequently misused. This constitutes a clear and actionable case of identity theft. 

The following fraudulent accounts have been placed on my credit report and must be removed immediately 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  These accounts have resulted in unauthorized hard inquiries and collections that are both damaging and illegal under federal law. 
Specifically : Under 15 U.S.C. 1681c-2, you are required to block and remove fraudulent information from my credit report within XXXX DAYS of receiving this notice. 

Under 15 U.S.C. 1681s-2, all collection activities related to these accounts must cease immediately. Under 15 U.S.C. 1681b-2, it is unlawful to furnish credit reports or use consumer information without proper authorization. 

These fraudulent accounts were opened without my consent, violating this statute. Your failure to comply with these clear legal obligations will result in immediate escalation. I will initiate legal proceedings to hold your organization accountable for all damages caused by your negligence and failure to act. You are required to confirm receipt of this demand immediately and provide written documentation proving that these fraudulent accounts have been removed, unauthorized inquiries corrected, and all collection activities ceased. Any delay, noncompliance, or excuse will be met with swift action.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against TransUnion, XXXX and XXXX XXXX XXXX XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements under 15 U.S.C. 1681, specifically concerning the verification of an alleged debt on my credit report. Despite my request for validation, these entities have not satisfied their legal obligations to verify and substantiate the accuracy of this negative information. 

On XX/XX/year>, I sent a letter to XXXX XXXX XXXX XXXX requesting debt validation, including the full account history, documentation supporting the charge-off date, and proof that the negative reporting aligned with FCRA standards for accuracy and fairness. In accordance with 15 U.S.C. 1681e ( b ), which requires furnishers to ensure maximum accuracy, I asked the Credit Union to provide the following : 1. A comprehensive account history with all payments, charges, and delinquencies.

2. Documentation supporting the charge-off date and the 48 months of negative reporting.

3. Verification that the reported information complies with FCRA standards for fairness and accuracy.

The Credit Union responded but failed to provide any supporting documentation, citing an issue with my address despite it being correct and matching the one on my letter. This refusal to substantiate the debt and verify its accuracy violates their responsibilities under FCRA 611 and 623 ( a ) ( 1 ) ( B ).

In addition, TransUnion reinserted this disputed item on my credit report, claiming it had been verified, without ensuring the necessary validation. This violates the reinvestigation requirements under FCRA 611 ( a ) ( 5 ) ( B ), which obligates credit bureaus to ensure data accuracy and to confirm verification from furnishers. TransUnions action of reinserting unverifiable information further fails to meet FCRA standards. 

Enclosed with this complaint are : A copy of my original letter sent to XXXX XXXX XXXX XXXX on XX/XX/year>. 
A copy of their response, which fails to provide any documentation substantiating the alleged debt. 

I respectfully request that the Consumer Financial Protection Bureau : 1. Investigate XXXX XXXX XXXX XXXX and TransUnion for their failure to provide verification as required under the FCRA. 
2. Mandate the immediate removal of this unverifiable account from my TransUnion AND XXXX credit report. 
3. Hold both entities accountable for their failure to comply with federal reporting laws and any applicable penalties for non-compliance. 

Due to the clear failure to verify this alleged debt in compliance with the FCRA, I am seeking full removal of this account from my credit report. I trust the CFPB will intervene to protect consumers from unlawful reporting practices that affect credit scores and financial stability. 

Thank you for your immediate attention to this matter.
Product: Debt collection

I applied for a TJMaxx credit card at a checkout counter last XX/XX/XXXX. I did not realize that they charged that card {$33.00} for my purchase at the time. I never received the card or a bill EVER from them and never thought much about the card. I had to give them my mailing address which is a P O Box as well as a physical address of the road I live on. Every time since then when I have shopped at TJMaxx, XXXX, or XXXX XXXX ( which is a lot ) they would ask me if I wanted a credit card and I would always say, " I applied for one and never heard back '' No sales clerk EVER offered to look in to it for me. 
I never even knew I owed them money until I got a creditor notice from XXXX XXXX. I find it interesting that they used both my P O Box and street address to mail the collection letter but TJ Maxx did not. 
They have completely ruined my excellent credit over a {$33.00} bill. They did not even try to call me. 
The moment I got that collection notice, I called and was told they would dispute it and to call back in 10 business days. That same day, I mailed a letter to TJMaxx and have never heard back even though, I gave them ALL my phone numbers. When I called back after 10 days, I was told that my account had been sold to XXXX XXXX XXXX. I have since called XXXX XXXX XXXX 4 times and keep getting told that my account has not been uploaded yet. I seem to be getting the run around. 
I have never been late and am devastated that this {$33.00} has ruined my credit.
Product: Debt collection

Amcol collections reporting a medical account for {$640.00} they no longer own. Please remove from report
Product: Checking or savings account

My reason for contacting the CFPB is due to XXXX XXXX unfair and deceptive business practices. I have been in constant contact with XXXX XXXX regarding the funds in my account at the time of account closure, which was a balance of {$810.00} since XXXX. I was told on XX/XX/XXXX that the check has been cashed since XXXX and that they are researching how to get me those funds. On XX/XX/XXXX that a check was being issued to me and I would receive it in the mail in XXXX business days. On XX/XX/XXXX I called again after I still had not received any check but had received a notice of account closure through XXXX. I was told that the check was issued on XX/XX/XXXX but they needed to get in contact with the back office team on XX/XX/XXXX there was a transfer out of the account for the balance of {$810.00}. XX/XX/XXXX I called again for an update when I was told there was a check issued for {$0.00} and they needed to get in contact with the back office. XX/XX/XXXX I reached a representative that told me he opened a research ticket about the check because somehow the funds got placed into an abandoned property account, I never heard anything back. On XX/XX/XXXX I reached another representative that opened a research ticket # XXXX to try and get this figured out and my rightfully owed funds to me, Im still yet to hear back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I filed a dispute online XX/XX/2022 and received confirmation XX/XX/2022 that EQUIFAX has not removed the inquiries that I requested. How could your agency investigate within a few hours with no proof of these companies retrieving my credit file with out written consent. Equifax has aloud these companies to furnish information on my credit report. I have attached documents proof of the investigation and a detailed letter of what happened. Please see attached.
Product: Checking or savings account

XX/XX/XXXX, Upgraded checking account to XXXX relationship account in branch, appointment XXXX. Upgrade was for a promotion, {$2500.00} bonus for {$250000.00} in funds for 90 days. On upgrading the account, I received documentation the promotion was applied, XXXX. I completed the terms of the promotion ; the {$2500.00} bonus was not credited to my account as required. On XX/XX/30 I contacted the banker and the branch manager - XXXX XXXX XXXX, XXXX XXXX, to initiate a support ticket to have the bonus credited. No response. On XXXX I contact the XXXX  XXXX  Support desk via phone, they verified I was enrolled in the promotion, and they verified I met the terms of the promotion, they stated they would open a support ticket, and the bonus should be credited within 5 business days. Bonus has not been credited and I have received no response.
Product: Vehicle loan or lease

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

3 months ago my Transunion FICO score dropped XXXX points for no apparent reason. I called them and asked for an explanation ( XXXX and XXXX have me in the XXXX range ), Previous attempts to fix this have yielded nothing, while they all said they would look into it. Months go by and I called XX/XX/year> and spoke to XXXX and he told me that there are multiple files, possibly duplication on the record. I asked them how to fix it and fearing the same run around as before I am filing this complaint. XXXX gave me a case number which is : XXXX. XXXX was very good. I am filing this complaint with an abundance of caution with CFPB. He will do his job, but his back office seems to be deficient.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1700.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$3000.00} 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 alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i need these inquiries removed they are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX  I applied for credit through  XXXX   XXXX .  Ally Financial  ran my credit   XXXX  , resulting in  XXXX  inquiries fro m Ally Financial o n my credit report on the same  day. Ally Financial ne eds to remove  XXXX  of the inquiries. Obviously,  XXXX  of the inquiries is valid and should stay. I disputed the   XXXX    inquiry indirectly through  XX/XX/XXXX  and received a response that the inquiry was authorized, therefore it was not removed ( see attached ). I then wrote a letter t o Ally Financial  and disputed the  XXXX  inquiry directly with them on  XX/XX/XXXX  ( see attached ). I was very clear in my letter that I agree  XXXX  of the inquiries is valid, but the  XXXX  inquiry is NOT valid and should be removed from my   XXXX   credit report. I received a response dated  XX/XX/XXXX  that was very generic and simply said that the inquiry was valid ( see attached ). They did not address or otherwise explain why there were  XXXX  inquiries on my credit report from their company. I have attached a copy of my  XXXX  credit report showing the  XXXX  inquiries.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report To delete a remove all inaccurate information that hindering my file asap. all data listed has been reported as identity theft an does not follow FCRA rules. please review an remove the information listed to help clear my file asap.
Product: Vehicle loan or lease

XXXX XXXX lease with check deposit and bank details submitted for online monthly payment. 
Funds were in the account ( I can prove that ). 
No emails received stating any default! The first I knew about it was a call on the XXXX of XXXX at which point I made the account current, immediately.
Product: Credit reporting or other personal consumer reports

Incorrect XXXX XXXX XXXX information on my credit report.