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

violation of 15 U.S. code 1681 Third Party Agency Cavalry Portfolio Services LLC failed to comply with requirements to i the consumer in order to report to any credit bureau. Cavalry Portfolio Services LLC failed to follow dispute guidelines, CRA violated the FCRA by not following the guidelines for handling disputes. Verification letters were sent off on XXXX and XX/XX/2024 requesting proof to be given within a 15 day time frame which has passed. No proof was sent back regarding verifiable proof, an original consumer contract with my signature on it for the account listed. Debt claimed owed : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion I demand the following account be removed from my credit file immediately per the FCRA 623 AND FDCPA 806B STATES THAT THE CREDITS MUST MUST ENTER A NOTICED OF DISPUTE IF THIS IS NOT ENTERED THE ACCOUNT CAN NOT CAN NOT REPORT ON THE CREDIT FILE I WANT YOU TO ALSO SEND ME HOW MANY TIMES THE ACCOUNT WAS DISPUTED WITH YOUR COMPANY AND NOT A SINGLE ACCOUNT IS REPORTING THIS INFO I WANT THE ACCOUNTS DELETED ASAP XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX PLEASE ENCLOSE IN YOUR RESPONES HOW MANY TIME EACH HAVE THESE ACCOUNTS BEEN DISPUTED AND THE MESSAGE IS NOT REPORTING ON ANY OF THEM. DELETE ALL ACCOUNTS ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with inaccurate information showing on my credit report my name should be listed as XXXX XXXX XXXX. Please remove any other variations of my name. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX please delete the following addresses they are not mine!!! 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

Terminated cell/internet/cable tv service with XXXX but they billed me anyway. Refund letter from XXXX office of President states I will receive refund of {$77.00} because I actually paid for a month I should not have paid for, and they agreed. I never received the refund of {$77.00} they promised, and XXXX will no longer respond to my enquires via email or voice message ( the same methods I had been using to communicate with XXXX ). Instead of sending me the refund as promised XXXX turned me over to a collection agency named DIVERSIFIED CONSULTNTS in XXXX, FL for allegedly not paying a bill {$73.00} that I have no idea what it is for. However, I've always paid XXXX in-full and on-time. I do not owe XXXX anything and in fact they still owe me the {$77.00} refund ( copy of refund promise from XXXX is attached ). My credit score is suffering, I feel like I've been damaged because of XXXX fraudulent billing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

I have proof that I was a victim of Identity Fraud & my next step will result in me taking legal action against these companies & bureaus!!
Product: Credit card or prepaid card

Ive had 2 Netspend cards. 1 for several years and the other opened in XXXX. My tax refund for XXXX was deposited in said account. So again my XXXX refund was deposited in the same account. Fraudulent charges were made on the account and card is no longer in my possession. So I file a claim. While waiting for the claim to be investigated I had called in to check the status. I was then told I was not myself, XXXX XXXX. I then lost online access to my account. I was asked to provide identification, which I immediately sent in. The following day I received an email stating my account was closed. After that date of being told my account was closed, my stimulus payment was deposited. I later received a letter stating the claim is now closed. Errors were found and any provisional credits given to me were now permanent. I then contact the IRS because I was unaware it had been sent to Netspend. They advise me that it was and that its very odd they havent received it back of the account were closed that banks are to send any deposits made to a closed account back within 7-10 days. I contact Netspend regarding the money that the claims were made about and why I havent received a check. They have told me over 3 dozen times that it is being investigated by their fraud team. But the claims already been decided in my favor? They also are investigating my stimulus deposit. But my account was closed so it should have been sent back? 
So whats happening is Netspend is not able to differentiate the two IRS deposits and are leaving me without my money. They are also illegally holding deposits made to a closed account. Ive contacted them by email and phone around 70 times and no one is ever able to assist me. They will not release my money to me. Ive contacted corporate and they have not helped either. Netspend has been sued by the FTC for the same exact tactics. 
I just want my money from my tax refund returned to me and my stimulus payment returned to the IRS so they can mail me a check. Its disgusting that a company would hold citizens money at a tile when so many have been displaced from their jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the company for over a year. They keep updated my account, however, nothing has changed. I have requested a method of verification and its been about 2 months and they have not responded. 

In addition, The following account was charged off as of ( XXXX XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. I have remind them this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : Accounts Name - XXXX
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. 

PXXXX 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 or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00}.
Product: Money transfer, virtual currency, or money service

Hello recently I tried to ask many times to Paypal sort out my issue, but they can't. And also they close my case. Please help me to sort out my case. Thanks. My case id was - Not as described - claim case CLOSED Case ID : XXXX Here is my original message to Paypal - Paypal, I need to sort out the case. I already told you this product is not new and already send you a video of the website. If you can't resolve it I need to file a case against the company. Because the phone is already used and broken. I attached the phone box and the phone images. Also, ask the seller about it. Also, you can see I already buy this product on XXXX XX/XX/2021. And I check on XXXX for my product serial number ( XXXX ) for repair by the XXXX official repair page ( XXXX XXXX XXXX ) they show me my expiration date is for recovery on XXXX XX/XX/2021 but how can it's possible? If I got a new phone I minimum got a legit warranty. Please consider my case and please ask the XXXX, my order number is Order # : XXXX. Thanks a lot. If you can't resolve the matter maybe I can complain about the support of PayPal to the Consumer Financial Protection Bureau. Thanks again. Here is the video - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks!!!
Product: Credit card

I was notified by Citi Mastercard that there was suspected fraudulent charges. I called per request and verified that I did not make a $ XXXX charge to XXXX. 
Several weeks later I received a fine print, long written document from Citi that, in part, stated that if " disputed their finding of fraud '' I needed to sign the document, scan it and e-mail it back with a single code in the subject line. 
I was quited confused because of the wording, and the fact that I had thought I had resolved this over the phone ( Citi first flagged transaction as fraudulent for me ).

I called Citi to clarify the text. I read the text to the person ( call center ) representing Citi over the phone. They stated that " If I disputed the charge, I must sign the document, scan it and return via e-mail. '' I stated this did not seem correct because of the verbiage in the document. They repeated that if I disputed the charge, I must sign and return. 
I did so ( see attachment ). 
Apparently the code in the subject line triggered a computer to change status of charge from fraudulent to valid and despite many hours on the phone, they have not been able to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have requested that Transunion send me written verification by properly investigation items that i disputed previously. they have failed to send me the contract bearing my signature which gives them the right to post information on my credit file. I disputed items with them several times and requested proof. 

after they sent a letter that they did an investigation I then requested the method of verification and they have failed to do so. they continue to send generic letters stating that they verified the information which is not true ... they did no investigation. they went to the furnishers and the furnisher that are paying them said to them that the information was verified. 

THEY HAVE NOT SENT ME WRITTEN VERIFICATION Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever a person filled out and signed upon opening the account with the reporting creditor ).

The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation. 

They are being paid to post items without any written verification and that is against the law.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information.

Please find my personal details below for your reference : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 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 or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX AUTO XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Stayed at a XXXXXXXX XXXX XXXX XXXX  middle of XXXX and found out a couple days later that I was charged an extra {$500.00} fee. I asked the hotel about it and they told me it was a smoking fee. I never smoked in my hotel room. I told the hotel they made a mistake and there is no way someone smoked in my hotel room. I disputed the charge on my credit card with my credit card company called Discover. They refuse to remove the charge despite the hotel having no proof ( XXXX evidence! ) of smoking in my room during my stay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccuracies on my credit report for XXXX of XXXX. I filed a complaint and that was rectified. However, when filing the initial complaint there were no other discrepancy with any other month until the XXXX dispute was rectified. After this XXXX reported an inaccuracey for XX/XX/XXXX and XX/XX/XXXX. They have failed to fix this despite my constance calls and disputes. Although I have the payment history and XXXX can see this information they do not take responsibility for the inaccuracey.
Product: Credit reporting or other personal consumer reports

The lender LVNV funding attempted to sue me on behalf of XXXX XXXX XXXX. I won a take nothing judgement. The items went off my credit report and back on with the original creditor being XXXX XXXX XXXX I called XXXX XXXXXXXX and they advised they don't use LVNV funding as their collection company so they are incorrectly reporting this on my credit to negatively impact
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX 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 me 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. 


XXXX - XXXX 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: Checking or savings account

On XXXX/XXXX/XXXX, I was notified that my XXXX XXXX XXXX uncle had been exposed to fraud. I immediately put a hold on his checking and money market accounts. XXXX/XXXX/XXXX met with XXXX XXXX and XXXX XXXX of XXXX a division of Synovus Bank & closed existing account and re-open a new account and signed affidavits for the fraud claim. Amount of fraud XXXX - received credit for XXXX - balance due XXXX. XXXX said their responsibility is for only 60 days and will not refund the balance even though the fraud was committed by the same people. - See the attached :
Product: Mortgage

On XX/XX/2020 I completed and filed all my Mortgage documents with the Loan Officer XXXX XXXX at Pentagon Federal Credit Union. XXXX stated it would be two weeks before a processor would contact me to proceed forward with the process. 

On XX/XX/2020 I spoke with XXXX and stated a mortgage processor had not contacted me and was told by her the issue would be escalated to the member experience team. No reply was received. 

On XX/XX/2020 I called again and was told my issue would be escalated. No reply was received. 

On XX/XX/2020 I sent a text and an email asking for assistance on the above issue and received two emails back stating action would be taken. Still no reply XX/XX/2020 I called and talked to XXXX, then passed off to XXXX, then transferred to XXXX and was told my issue would be escalated and I would be contacted in two days. Today is XX/XX/2020 and still no reply. 

I would just like to move forward with the mortgage process and my issue appears to fall on deaf ears. Your assistance will be greatly appreciated. 

Mortgage # XXXX Best Regards, XXXX XXXX
Product: Checking or savings account

External app XXXX can not access my acct whrn given permission.
Product: Debt collection

The collection agency NCC Business Services is claiming they do not provide receipt of payment. I need receipt of payment to ensure that they are applying my paid funds appropriately. Also, I need proof of payment to ensure that once paid off, it will be reflected properly on my credit report.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued XXXXXXXX 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 XXXXXX/XX/year>
Product: Credit card

When traveling an obvious fraudulent purchase was place on my Chase credit card from a store for over XXXX XXXX. When I disputed the charges Chase sided with the merchant who provided a receipt with my " signature '' which was transposed from an XXXX and even had a print out that was suppose to be from me with my own name mispelled. Chase also never sent me notifications that a purchase was ever made ( unlike every other puchase that is made from that card. ) Called the merchant and chase XXXX multiple times and the charges were never revsersed. Again this was a single purchase of cosmetics for over XXXX XXXXXXXX for product that I did not buy. 

XXXX XXXX is a Merchant scam. But Chase should stand behind their customers.