23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a call from a " process server '' claiming they need to serve me because I was being sued. They also called my place of employment ( actually my boss ' cell phone ). I called back &amp; they stated that I was being sued by credit card company  from 2002. Ther e is n't anything on my credit regarding any kind of collections. This week, they have again called me &amp; also my mother &amp; sister 's cell phones. The company claims to be  XXXX   XXXX   XXXX , which was stated on an email I received. They answer the phone " law office '', so that 's the first sign that this is a bogus company trying to scam people out of money by threatening a law suit.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$470.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$140000.00} XXXX XXXX XXXX  XXXX {$640.00} XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Bank account or service

the bank wells fargo told me in a recorded conversation according to their policy an account can not be put in the negative to pay the bill pay feature. the bank changed their web site and an unauthorized bill pay for {$140.00} came out of an empty checking account to pay the wells Fargo credit card. 
then the bank charged me {$35.00} overdraft fee and stole a total of {$170.00} dollars from my checking and the funds were never applied to my credit card. 
this is fruad and i am a service connected XXXX and i can not afford to pay wells fargo to steal from my account. I have spent hours and weeks and months trying to fix wells Fargo 's NUMEROUS so called 'mistakes ' and would sue them for sever emotional suffering ut i do not have the money or an attorney and i am XXXX
Product: Debt collection

XXXX XXXX XXXX in WA falsely claims that I moved into an apartment in XXXX, WA with new carpeting and new flooring which is a lie. They claimed I destroyed the apartment 's interior and the carpeting and flooring in the kitchen and bathroom had to be replaced. This is also a lie. After thoroughly cleaning the unit XXXX cleaner than when I moved in ), I contacted my landlady at XXXX XXXX to get my {$1800.00} deposit back. After a few months, I started getting calls from a collection agency. I learned that my landlady had left XXXX XXXX XXXX. I never signed an initial lease agreement - and wonder if my signature was forged ... Anyways, I should get my entire deposit back just because of this. Also, I was n't informed that I would not be getting my deposit back. I provided notice of leaving the unit on XXXX XXXX, XXXX and my lease ended XXXX XXXX, XXXX. XXXX XXXX XXXX put this into collections on XXXX XXXX, XXXX! I learned that XXXX XXXX XXXX refurbished my apartment ... using my deposit money and putting the rest into collections. I then learned XXXX XXXX XXXX has done this to MANY people. I ca n't find a lawyer to help me because the total ( deposit + collections ) only comes to about {$2500.00}. Small claims court will not take my case over the phone, the Attorney General 's office does n't get involved in anything rental related. I refuse to pay for this ... and, in fact, I 'd like my deposit back. I literally heard of filing with the FTC through WA 's FBI. As mentioned, they 've pulled this scam with lots of people. There are many complaints filed with the Better Business Bureau. TenantsUnion.org is well aware of this problem in WA. I tried working this out through XXXX of XXXX mediation but, XXXX XXXX XXXX blew us all off ... twice. I 've been trying to resolve this matter for almost a year. I ca n't believe this scam is on-going and no one seems to be able to do anything about it.
Product: Credit card or prepaid card

I have a credit card with TD Bank, and periodically they send me balance transfer checks. I called TD Bank today to opt out of receiving these ( for the XXXX time ), and they said that they had " turned off '' the sending of these checks for my account in XXXXXXXX XXXX ( after I had called about this issue back then ), and that there was nothing more they could do. I have continued to receive these checks every few months since XXXXXXXX XXXX, most recently as about a week ago. They did not provide me a reason why I am forced to continue receiving these checks. Were they to get into the wrong hands, I could be at financial risk.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit card or prepaid card

JEFFERSON CAPITAL SYSTEMS SOLD A DEBT TO XXXX XXXXXXXX ATTORNEY IN XXXX LOUSIANA FOR A CREDIT CARD TAKEN OUT IN MY NAME WITHOUT MY CONSENT. I WAS NOT AWARE OF THE CREDIT CARD UNTIL I WAS SUBPOENAED TO COURT FOR A SUMMARY JUDGEMENT OF THE DEBT.
Product: Debt collection

I received notice from XXXX XXXX that a collection account was place on my credit. I have tried to contact the company XXXX XXXX XXXX, via phone, and email with no response. When you call the number you are put on hold, they tell you what number you are in line then all you get is " this is XXXX please leave a message ''. I have called multiple times with no return call or email. I have dealt with this company before and they never would speak to me, then they turned my account over to an attorney during the covid lock down and I had a judgement and garnishment, even after trying to work out payment arrangements with the attorney. I can not afford to have a garnishment again. I want to pay my debt but can not reach a soul or get any kind of response.
Product: Prepaid card

I was given a Vanilla Visa gift card in the amount of {$200.00}. However, right out of the packaging, part of the card number had been scratched off, and so was the security code ( on the back ). The card is unusable. XXXX XXXX customer service is unresponsive when you call them ( you can't get a hold of a representative to help ).
Product: Debt collection

I am being charged by portfolio recovery and XXXX XXXX for a debt I did not own. I did not sign or authorize any of these accounts. I have been disputing these charges for the last 60 days with letters to the XXXX bureaus and the creditor themselves. I was in federal prison from XXXX. This is fraud and someone uses my identity. This is not my debt. Please remove this from my file.
Product: Student loan

I cosigned for my brothers private loans which are now with Navient. It was explained to me to make 1 yr of consecutive payments and my brother can then apply for the co-signer release so that my name an then be removed. We complied with those terms. Each month my brother gave me the funds which I logged onto the portal and paid under my account. My brother has no bank account mind you. All documents were submitted for processing as a year of payments have been made on XXXX 's account by him from my account. This evening I speak with the rudest member of management who basically tel ; s me application denied. XXXX ( myself ) has been making payments for the past year not XXXX. He is not credit worthy. Excuse me, how do you know XXXX has n't paid. He has paid, just because it was paid from my account with my banking info means nothing. You can not prove he did not give me the funds each month, when in fact he did. Navient dances around the truth to get money and will tell you whatever you want to hear. Then when you call them they dance around the truth to get rid of you. I can not let this go because I was under the impression, I 'd be released from being a cosigner after we met Navient terms & conditions ( consecutive twelve payments ). I am trying to purchase a home and Navient is hindering me from doing so with this loan. I did everything they told me to do and now they are going back on everything!
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act. Amsher Collection # XXXX has violated my rights. 15 U.S.C 1681section 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, credit repair services, or other personal consumer reports

Experian credit bureau has been denying my request to remove inaccurate information on my credit report. in accordance with FCRA this company has violated my privacy rights. 

this company has the incorrect social security number on file for me 15 U.S.C. 1681 section 602a states that i have the right to privacy U.S.C 1681 section 604A section 2 states that a consumer reporting agency can not furnish my personal information or furnish an account without my written or verbal consent. 

i have not consented to the following accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- account reporting as closed XXXX XXXX XXXX  reporting as closed- only suppose tpo have one open current account with this company inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Springs Oak Capital stated they purchased this debt and that it is accurate. I disagree with their findings furthermore after pulling the original companies bylaws and incorporation nowhere listed did they state that Springs Oak Capital would be a party to their business operations. Also I would like Spring Oak Capital to take notice of federal law that states transfer of an instrument does not give rights for enforcement. This is my final attempt to get Spring Oak Capital to remove their entry from my consumer report or forward their authority to collect on behalf of the business and their exemption from following mandatory federal laws. If no such documents exist I will give you 14 days from the date of the filing of this complaint before I move for immediate court action and this is your legal notice. 

( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcct # XXXX I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On ( XXXX XXXX Account ) XXXX XXXX XXXX- XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX ( XXXX XXXX XXXXXXXX Acct XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/120 XX/XX/150 ) ) you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to 69 a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the late payment transactions deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 
Further more 15 USC 1666b ( a )
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Discover to advise me about a purchase made with their card, to the company XXXX XXXX, because I was not satisfied with the merchandise. They told me to contact the supplier to try to resolve the situation. I contacted him and asked him to return the money and send to pick up the merchandise. 
On XX/XX/2018, Discover sent me a text message, related to a transaction I was making with my company card. The same was referring to the remaining payment of the merchandise mentioned above, with which I was not satisfied. I called Discover to avoid them processing the transaction, because I had not authorized it. After explaining the situation of that transaction and having talked with two different people, nothing was resolved and the transaction was not canceled. I put the two transactions on dispute but Discover fails against me.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. Please update these accounts XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance Owed : {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the fair credit act 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 a account without instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction 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: Debt collection

After again noticing the debt on my credit report, I sent a Debt validation letter to IC Systems (XX/XX/XXXXXXXX XXXX XXXX., A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, IC Systems did not cease collection activities, in fact, they recently continued reporting to the credit bureau. To date, I have not received a letter or phone call from IC Systems or any attempts by the debt collector to validate the debt they believe I owe. It has been more than a month since they RE-placed the debt on my credit report and 1 month since I requested validation. Last year when the debt validation was requested, IC Systems XXXXXX/XX/XXXX XXXX XXXX removed the debt from my report, but again for the 3rd time was recently added. 

Previous complaint XXXX Submitted to the CFPB on XX/XX/2019 This is the response from IC Systems -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Re : IC System Reference No : XXXX Original Creditor :XX/XX/XXXX Account No. XXXX Dear Ms. XXXX : IC System has requested that any information our office may have forwarded to the credit reporting agencies be removed or deleted from their records. You may wish to check with your local credit bureau in 30-45 days to ensure your credit file has been corrected.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you