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

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Federal Trade Commission Consumer Response Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Debt Collection Practices by XXXX XXXX XXXX and XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX for their alleged violations of the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. Their actions appear to be unlawful and harmful to consumers like myself. 

Specifically, the following issues have occurred : 1. **Failure to Provide a Full and Complete Debt Validation** : I have repeatedly requested validation of the alleged debt ( Account Number : XXXX ) that XXXXXXXX XXXX XXXXXXXX claims I owe. Despite these requests, I have never received a complete breakdown of the alleged debt, including all details such as the principal balance, interest, fees, and other charges. This information is required by the FDCPA ( 15 U.S.C. 1692g ), and failing to provide it is a direct violation of the law. 

2. **Misleading Ownership of the Debt** : Based on correspondence from XXXXXXXX XXXX XXXX  XXXX I understand that they no longer own the alleged debt. If XXXX XXXX XXXX is now the debt owner, they are obligated to provide me with proof of ownership, a breakdown of the debt, and evidence of a legally binding contract obligating me to pay the amount they claim. Despite my requests, no such documentation has been provided. Instead, I am left in a state of confusion regarding who truly owns the debt and who has the authority to collect it. 

3. **Illegal Reporting to Credit Bureaus*XXXX : Given the lack of validation and proper documentation, XXXX XXXX XXXX must cease reporting this alleged debt to all credit bureaus immediately. Continuing to report unverified and undocumented debts is misleading and damages my credit unlawfully. 

4. **Unfair and Deceptive Practices** : XXXX XXXX XXXX neglect in providing validation, along with the conflicting information Ive received XXXX appears to be a deliberate attempt to mislead and frustrate me. Under the FDCPA, such actions are prohibited ( 15 U.S.C. 1692e and 1692f ).

As a consumer, I have the right to : - Receive a full and complete validation of any alleged debt within 30 days of request. 
- Be provided clear and accurate information about the ownership and breakdown of the alleged debt. 
- Be free from deceptive, unfair, or unconscionable practices by debt collectors. 

I respectfully request that the Federal Trade Commission investigate this matter and hold XXXX XXXX XXXX accountable for their actions. These practices undermine consumer protections, harm my financial well-being, and violate federal law. 

If additional information is required to support this complaint, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your response and any updates regarding the investigation.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

" FINAL ATTEMPT TO RECTIFY THESE MATTER OUTSIDE CLASS ACTION EFFORT ''.

CEASE PULLING UNAUTHORIZED PROMO INQUIRIES FROM EXPERIAN CREDIT PROFILES, ESPECIALLY WHEN CONSUMER HAD OPTED-OUT. THIS IS A VIOLATIONS OF THE F.C.R.A. AND THE " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. STOP DEFLECTING OUR ATTEMPTS USING CFPB PORTAL FOR YOU VIOLATE TITLE X.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother had myself on her checking account Joint. I lived in a different state and, did not use her account. The only reasons I was on this account was due to her declining health.She Passed on and this account is dated and affects my personal interest. This is an unfair practice that this entity due to greed can STILL hold me accountable. I prey that your organization will assist in making this right, and correct these dated remarks on my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

INITIAL REQUEST ASKED TO PROVIDE ORIGINAL DOCUMENTATION OBTAINING MY SIGNATURE. UNDER THE FCRA, BUSINESSES ARE REQUIRED TO HAVE A COPY OF THE ORIGINAL CREDITORS DOCUMENTATION WITH HARD SIGNATURES ON FILE. I HAVE ATTACHED WHAT WAS PROVIDED AS VERIFICATION WHICH IN TURN ARE FULL OF INACCURACIES AND ERRORS. I DEMAND FOR THIS ACCOUNT TO BE REMOVED AS IT HAS NOT PROVIDED VERIFICATION OF THE ACCOUNT. THE ACCOUNT SHOWS CURRENTLY THAT THERE IS A LAST DAY FOR PAYMENT OF XXXX, AND HAS AN ORIGINAL CONTRACT DATE OF XXXX. CONSEQUENTLY, XXXX HAS FAILED ONCE AGAIN TO PROVIDE PROOF OF THAT DOCUMENTION. A NOTICE TO ACCELERATE DOES NOT SUFFICE NOR CONSTITUTE A SIGNED CONSUMER CONTRACT. DELETE EXPEDITIOUSLY!!!! 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX and Section XXXX regarding your continued willful and negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. the 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX XXXX : {$530.00} XXXX XXXX XXXX XXXX Balance : {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian recently double reported a chargeoff. XXXX XXXX XXXX had a {$160.00} chargeoff and it was reported XXXX  months ago and I just got an alert that thet REreported it despite it already having been paid and reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following late payment remarks have been placed onto my credit report without my verbal or written consent to do so which is a direct violation of my rights under the FCRA and section 15 USC 1681B. Due to these facts given the following late payment remarks must be removed : XXXX XXXX XXXX for the months of XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I looked over my consumer report I noticed some inquires and late payments on my report that was not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX ). Per section 609 FCRA send me over any ORIGINAL SIGNED DOCUMENTS. FCRA states the bureaus must verify all information that they get from banks, credit card companies etc before putting into my consumer report. 
Under federal law any unverified accounts must be deleted.
Product: Credit card or prepaid card

This is a formal request for an investigation of this account 's date pen, date of last activity, date last reported, and the date of last payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an unauthorized inquiry from CONSUMER PORTFOLIO SERVICES XXXX XXXX XXXX XXXX, CA XXXX I did not apply for credit from this lender. When I called the phone number on their website, they identified themselves as a debt collector and asked for my full social security number.
Product: Credit reporting or other personal consumer reports

The following accounts has been charged off, Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not have an active payment history. This inaccurate information falsely manipulates the statute of limitations. You guys have failed to investigate this account property after I asked you to do it FOUR times and your neglect has violated my consumer rights. The dispute results I received in the mail has the wrong last 4 of my social security number I am demanding a deletion and/or a full updated account status including : Payment History, Date open, Date Closed, Account Status & Last reported or legal actions will be taken. You have 15 days to Investigate Accounts : Accounts Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Accounts Name : XXXX Account Number : XXXX Accounts Name : XXXX Account Number XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with Venmo or 4 years ago and kept it in good standing and closed it about 7 months ago. Then on XX/XX/2014 I opened a new venmo account linked my bank account to it without any problem. The following day I receive an email from venmo saying they suspended my account due to unusual activity when in fact there was no activity on the account. Furthermore, they refused to provide me proof of subjectivity. They requested a copy of my driver 's license which I provided, but yet they still hold my account in suspension status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps reporting multiple charge offs on my credit report with multiple debt amounts and duplicated accounts. Its being reported that I cosigned on these debts but another is showing that the responsibility is otherwise.
Product: Checking or savings account

Ive been charged so many overdraft fees when I XXXX  money
Product: Consumer Loan

On XXXX XXXX, XXXX, I noticing a late fee charge of {$35.00} on my monthly statement and an increase of my minimum payment on my line of credit. 
I contacted Lowe 's SYNCHORY BANK. XXXX, XXXX, GA XXXX. 
XXXX XXXX : XXXX, and his Supervisor XXXX. Phone : XXXX I was told by the representative XXXX and his Supervisor XXXX that a late payment was XXXX because the payment which was due on XXXX XXXX, XXXX was received on XXXX XXXX, XXXX. I counter with the fact that ; the earliest available date, offered by my online banking systems on XXXX XXXX XXXX, was XXXX XXXX, XXXX. 
Additionally- The obvious reason for this avail date is, the fact that the payment period was a weekend, a XXXX and government holiday. These facts are supported with the knowledge all these are circumstances beyond my control. I was told by the XXXX 's supervisor key, that this is Lowe 's policy, and while the circumstance merits resending of the late charge. The increase to my monthly minimum balance, ( which I noticed was the same amount as the {$35.00} late fee ) will remain. 
Note : These business predatory financial practiced by XXXX 's financial services, increases client 's minimum payment by 20 % per occurrences. Actions that has the potentially to increase payments by 100 % over year, due to month with holiday and or weekends in their beginning. 
Actions which are evident, in my case, where the current assessment is the XXXX of XXXX predatory acts conducted by Lowe 's on my account. The first XXXX includes a posting of payment made on or about due date 3 days late, and assessing a charge. The second, assessing charges for late payment. When the due date accrued on a weekend. 
In conclusion- Lowe 's conduct is a reminder and reinstatement of practices use by credit card companies in XXXX. Which includes dramatic increase of APR and deviant accessing of late fee on consumers, who are already at their financial limits.
Product: Credit reporting or other personal consumer reports

I was shopping for a car in XXXX, XXXX and XXXX of XXXX  XXXX XXXX XXXX XXXX XXXX ) has a vehicle that I was interested in so I inquired about it. We were continuously going back and forth because I wasn't happy with the price of the vehicle so they kept contacting me lowering the price. I filled out a customer inquiry form and they advised me that they were not going to run my credit at all until we made a decision. This was a 3 month process. They ended up running my credit 36 times. I am still receiving denial letters! This is crazy and excessive. They never had my permission to run my credit at all and I ended up purchasing a car elsewhere that ran my credit only once. I should not be punished by a car dealership deception and unprofessionalism. They ran my credit from XXXX to XXXX excessively. These inquiries should be removed because they were done without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took the loan for {$9000.00} out in XX/XX/2018. I paid all but the last two payments. I contacted them during the first of the Covid pandemic. Explained I wasnt working and not eligible for unemployment. I tried to pay the balance off with a credit card but they stated their policy wouldnt allow me to do that. I told them I couldnt pay the balance due to XXXX  until I was able to work again ( I did personally have XXXX  ). They wouldnt work with me. I never missed a payment. I was always on time. I feel they should have worked with me. I have every intention of paying them. My credit score went from good to poor because of their actions. I also had a credit card company drop me because of this. I was under the impression that XXXX  was treated with a different policy. I dont feel I deserved their actions to my credit report. I would like to dispute their conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, TransUnion or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX XXXX credit reporting agency , Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. These accounts haveresulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of XXXX 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have disputed several inaccurate items on my report and have been denied removal, without any evidence paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XX/XX/XXXX XXXX email response to CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX ISSUE Incorrect information on your report, states : After reviewing your complaint, we are unable to process your request because we were unable to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. Please be advised, in the complaint you stated there were attachments ; however, there were none provided. 
Attachments have been repeatedly provided to CFPB and XXXX for the last 8 months. Result : resolution avoidance and still no effortless or otherwise means for temporary credit freeze lift. The XX/XX/XXXX CFPB entry apparently had an IT issue ( glitch ) and did not allow attachments. There were 3 attempts to attach. In addition to XXXX were XX/XX/XXXX XXXX and XXXX attempted attachments. To hopefully immediately rectify each of the 37 issues a copy of this XX/XX/XXXX CFPB new communication is also being immediately emailed to XXXX and XXXX. 

The 37 disputed items, unresolved for now 9 months, are again attached in files named : TransUnion XXXX XXXX XXXX DISPUTE and EXTREMELY URGENT_ OBSTRUCTION of Credit Freeze Lift and XXXX Adverse Account.pdf and TransUnion XXXX XXXX XXXX credit report 37 disputed items.pdf. 
Please resolve the 37 items. Best contact is XXXX. Please note CFPB again denied the upload of the above 2 files.  Please contact XXXX for these 2 uploads.
Product: Credit card or prepaid card

Re : Increased Interest Rates I have contacted US Bank four ( 4 ) time concerning increased interest rates on past purchases. Requesting they reduce these rates. My request is based on the regulations by CFPB and the Credit Card Act passed into law ( XXXX XXXX thru XX/XX/XXXX ). I have never received any information from CFPB or the Credit Card Act making changes or canceling these regulations, or they are no longer effective. ( There is a ban on arbitrary interest rate increase, including retroactive rate increases. The Act states that banks can not raise rates on your existing past balances, unless you have failed to make payments for 60 days or more ). I feel US Bank has not adhered to these regulations. 

US Bam stated they have the authority to raise the rates based on the Federal Reserve increasing the Prime Rate. These increased started before the Prime Rate was increased. 

US Bank has been increasing my interest rates for a long time, sometimes every month. ( Beginning XX/XX/XXXX, interest rates for purchases was 7.24 %. Rates have increased monthly/yearly to XXXX to 17.24 % and 21.24 % for purchases ). I have contacted them other times concerning the rates. They have never reduced rates. I have had this account for many years. I have always made on time and before due date. ( Was late one time for 2 days, because I had not received my statement ). 

I have requested they review and re-evaluate the increased interest rates, based on the valid regulations, and apply a rate deduction. This request was denied. 

I received a Platinum Card Agreement letter from US Bank state the interest rate for the APR will be effective XX/XX/XXXX. This letter was received 5 to 10 days after my contact with US Bank. This is the first time I have received a letter re interest rate increases. 

I am filing this complaint for review, based on the valid regulations. I want to be treated fairly as a loyal customer. 

RESOLUTION : Lower/reduce past retroactive interest rates applied to past purchases, based on valid regulations. Credit account, and adhere to regulations. 

THANK YOU I
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE!!!!!! THIS IS MY " 6TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report I noticed several inconsistencies regarding the account XXXX in the DATE OF LAST ACTIVITY, DATE REPORTED & DATE OPENED sections. First, Experian is reporting XX/XX/XXXX as the date of last activity, while you are reporting XX/XX/XXXX as the date of last activity. Next, Experian is reporting that XX/XX/XXXX as the date reported, while you are reporting XX/XX/XXXX as the date reported. Finally, Experian is reporting date opened as XX/XX/XXXX, while you are reporting XX/XX/XXXX as the date opened. All these dates CANT be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 

These companies have failed to respond within a 30 day time frame and have also not provided the requested documentation to verify their erroneous reporting