23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Does your agency have a debt collection license in Virginia? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. I pull my credit report recently and found out that XXXX XXXX XXXX : ORIGINAL CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The XXXX XXXX, did not response with in 30 days. By not replying in timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fine. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 pandemic please delete immediately. Please answer all those questions on the attachment and send documents we requested. Are your claim is not justified. We will be pursuing legal matters for damages.
Product: Debt collection

Account number XXXX Date opened XX/XX/XXXX Collection account. {$970.00} past due as of XX/XX/XXXX. 

Dispute from XXXX-Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX XXXX, the account is also reported duplicate. The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the XXXX time disputing this frivolous information on my credit report. I have sent letters certified mail XXXX different times. I have also sent om XX/XX/2020 a transcript from XXXX of our entire conversation stating THERE IS NO BANKRUPTCY ON MY CREDIT FILE. Equifax is reporting XXXX bankruptcies on my credit report. Their 3rd party verification department is XXXX. XXXX XXXX " DE ; ETED '' all the bankruptcies because they did not belong to me. Also I have spoken with XXXX and they have also disputed the information with Equifax to have it removed immediately. Equifax " refuses '' to delete the information even though i sent them proof that it has been deleted. I also spoke with XXXX a Consumer supervisor at XXXX she stated and I quote " Equifax has not requested any verification from us since XXXX of 2020, If they would have requested it the would have know there is no bankruptcy in your file. '' Why is CFPB and FTC still allowing this to happen? why are you not enforcing the law? I will again submit a copy of the XXXX report showing the deleted bankruptcy. Also I will send over the letter i just received from Equifax showing they verified it as accurate
Product: Debt collection

On Saturday XX/XX/XXXX Enhanced Recovery Collections put a collection account on my credit stating that I owe XXXX XXXX {$51.00} from when I lived in XXXX, Fl in XXXX. I called them on yesterday several times and infromed them that I dont have a balance with XXXX and that this is a fraudlent charge they are trying to collect. They informed me that they have bill that states that i owe money, and that is a lie because that is not a real bill from XXXX. and I can prove it. I called XXXX and spoke with their collection dept on yesteday for an hour, they looked in their entire datebase and could not find one account that I had with a charge off balance. the account number the collection agency gave me was my old account number with XXXX. I gave XXXX the account number and there is no balance owed under that account number. I was told to go into a XXXX office which I did and for them to provide me a statement showing that I dont owe anything. They could not print out a statment given that the account was to old. However the manager took a screen shot of my account to show that I dont owe anything to XXXX under that account number. I will attach that print out he gave to me to this complaint. This collection company is knowingly trying to take my money on a fake balance and saying that they are working for XXXX to collect a balance. XXXX has not retained their services because there is nothing due to them from me. I spoke with 5 suprvisors with XXXX on yesterday in Billing, collection and customer service and not one of them shows a charged off account nor the account in question that this collection company is trying to say I owe on. Account # XXXX is the account number they say XXXX shows a balance for. Tell me this, how is it that this collection company can cliam XXXX shows a balance but when I spoke with XXXX they show no balance.This is blatant fraud on thier part. There is no balance due to XXXX for me. They wanted me to call, XXXX 's XXXX dept and sign and affidavit or something. I dont even think XXXX has a fraud dept for this and when I spoke with the real XXXX they said why would you do an affidavit and we are not collecting anything for this account. This collection company is breaking the law and trying to collect on debt that is not REAL!! I want this removed from me credit report and I have filed a dispute as well with the credit bureaus. When I called the collections company back and asked them how could I send them the copy of what XXXX gave me that shows that I dont owe them anything, the gentleman that was on the phone told me to hold on and then he hung up in my face. I called him back and he did the same thing. He did this because he knows that I have figured out what they are up to and trying to pull on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Tranunion ran an unauthorized credit inquiry on me on XX/XX/XXXX and XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX/XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to respond to my dispute letter regarding inaccuracies on my credit report. On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail ( tracking number : XXXX ), requesting an investigation into inaccurate items on my report. I also disputed incorrect personal information listed on my credit report. 

To assist TransUnion in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. Despite providing all the necessary documentation, I did not receive any response or investigation results from TransUnion. Subsequently, I sent another dispute letter to Transunion dated XX/XX/year>. Despite my clear and thorough request, I did not receive any response from Transunion with investigation results. 

According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item in their credit file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as mandated by the FCRA. 

I am including a copy of my dispute letter sent to TransUnion and proof of delivery as evidence. I am now demanding that TransUnion immediately and permanently remove the disputed items from my credit report.
Product: Debt collection

I reached out to this company XX/XX/2024 they sent it to a 3rd party that I do not have a contract with or an agreement with nor do they have my current address that I have lived at for 4 years or any current information. This debt is not mine nor did I enter a contract with LVNV Funding LLC to the credit of XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. These dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the bank associated with the fraudulent accounts. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been mistakenly existing on my report for over five years. 

But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent accounts since the submission of the required documents.
Product: Credit card

I applied for the XXXX XXXX. I was denied. This goes against 15 USC 1691 and 12 CFR 1002. I can not be denied credit through credit score, credit history, or income. Any adverse actions in a consumer credit transaction is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

please delete these company off of my credit profit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( IDENTITYTHEFT, GOV ) FTC Report Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is fraudulently reporting information to credit bureaus and I have never done business with them neither have they ever contacted me about a delinquent account as I dont know who they are? I dont owe this company anything and they dont have a right to report any collections to a third party thats not a validated debt between me and them.
Product: Credit card

On XX/XX/24 | wanted to purchase a pair of shoes at Macy 's. The cashier asked me if I wanted to use my Macy 's card. I said I didn't have one. She asked me did I want to sign up for one, I said I don't want a credit card. She said it's not a credit card. I said as long as it's not a credit card, then sure. 
She pressed some keys on the keypad in front of me and then enters my ID information. She asked me to enter other information such as my DOB and SSN. I asked if she was certain this was not a credit card. This is a lot of information for a rewards card. She said it's not a credit card, it's a Macy 's card. I said it's not a credit card. She said no. She had me sign and I saw American Express on the screen. I said I do not want a credit card. The screen says American Express. She said, it just has it there for the people that are applying for a credit card. She then had me prove my information was correct and hit enter. She told me she needed to call customer service. I didnt understand why you would need to call customer service for a rewards card. I asked again if it was a credit card application and she said yes a charge card. I then asked to speak to her manager. The manager took me to the office where her associate XXXX helped clear up the mess. She had customer service cancel the application and reverse the hard credit inquiry.
Product: Credit reporting or other personal consumer reports

I sent a certified letter addressing ; NO parking debt XXXX, cease and desist, refuse to pay.I requested a purchase agreement, XXXX permission to release my personal medical information with my signature as validation .A copy of any and all financial records of bills and charges.I want this fraudulent collection REMOVED immediately off my consumer report.They have illegally reported a false collection .Re- aged the date, and status.The original Creditor is XXXX XXXX XXXX ( Parent ) My child is XXXX years old.theirs no way this debt is valid.
Product: Money transfer, virtual currency, or money service

On Sunday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I receive an email from Coinbase informing me that my account has been blocked. I follow their instructions to recover access, which I recover on XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I check if there are any changes or modifi cations and I realize that my cryptocurrencies ( XXXX and XXXX ) were converted to USD and withdrawn to two bank accounts that I do not recognize, I process to find a way to contact coinbase as soon as possible and start a chat, in which they confirmed the withdrawal of the funds in 3 transactions and without giving me any solution they block my access to the account again, and start the process to recover access to the account and I hope to recover access today at XXXX XXXXXXXX XXXX  to obtain more information The withdrawal of the funds was sent to 2 XXXX XXXX XXXX accounts whose last digits are XXXX and XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. under 15USC1681 SECTION 602 States I have the right to privacy. 15USC 1681 SECTION 604A SECTION 2, It also states : A consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B States A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Creditors are XXXX XXXX XXXX  as of XX/XX/2023. XXXX  as of XX/XX/2023. XXXX XXXX XXXX as of XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I lodged a complaint against Equifax for NOT PROVIDING ME A COPY OF THE DISPUTE INVESTIGATION RESULTS via the CFPB ( XXXX ) as well as on XX/XX/2019 ( XXXX ). This is NOT TO BE CONFUSED as a copy of the credit report but rather the consumer is entitled to the RESULTS OF TH DISPUTE separate then the credit report. In this complaint, it was VERY CLEAR that the consumer has requested a copy of the DISPUTE INVESTIGATION RESULTS ONLY and that the investigation into the matter was already conducted and closed. However, this has proven to be fruitless. In fact, in a response to the original CFPB complaint, EQUIFAX STATES that the consumer indicated that there were inaccuracies on the consumer 's credit report when in fact the complaint had nothing to do with the credit report itself but rather for not receiving the DISPUTE INVESTIGATION RESULTS. In fact, the complaint was due to Equifax and there handling of a COPY OF THE DISPUTE which is REQUIRED to be sent BY FEDERAL LAW. Equifax sent the consumers PII to two ( 2 ) different email addresses other than the ones that the consumer requested or operates, this was admitted several times on a recorded line, which the consumer has stored for further use. This is also a VIOLATION OF FEDERAL LAW. Equifax stated that they would fix and correct THIER mistake, however, they HAVE NOT DONE SO to date and have further REFUSED to send the consumer a COPY OF THE DISPUTE INVESTIGATION RESULTS. In fact, Equifax stated that if anything happens with the consumers PII that they sent to another person other then the consumer themselves that the consumer would be liable for anything resulting as such, such as identity theft and or fraud. EQUIFAX themselves have VIOLATED several STATE AND FEDERAL LAW and WILLINGLY and MALICIOUSLY WRONGFULLY DISCLOSED a consumer 's PII to others without the consumer 's consent as a vendetta and retaliation against the consumer for making complaints. The consumer DEMANDS that Equifax hold itself accountable and take ownership and correct the issue and EMAIL THE COPY of the DISPUTE INVESTIGATION RESULTS to the consumer as promised and supposed to do in the first place. To be very clear, this complaint HAS NOTHING TO DO WITH and IS NOT indicating any inaccurate nor any incomplete items on the consumer 's credit report. Additionally to clarify this ISSUE has already been investigated so there is NO NEED to " initiate '' another investigation as it is already closed. Due to this " investigation '' already being closed, there is NO NEED to send " request for verification electronically '' to any creditor. because of this there SHOULD NOT BE ANY DELAY, not even 30 days, as that ONLY applies to another investigation which is NOT WHAT IS WANTED. AGAIN, I DO NOT WANT A REVISED COPY NOR ANY COPY OF MY CREDIT REPORT I ONLY WANT A COPY OF THE DISPUTE INVESTIGATION RESULTS. I would also like to note that I have a phone recording where Equifax and a representative acting on behalf of Equifax stated that they intentionally lied to a government agency in order to avoid sending me the proper information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I sent TransUnion a section 609 of FCRA request on XXXX/XXXX/XXXX. I have yet to be notified of action they 're taking to honor my request. This request was sent USPS Certified Mail [ XXXX ], delivery date of XXXX/XXXX/XXXX. Trans Union is in violation of the FCRA for not properly sending me proof to validate the information in my credit report that they continue to report. Trans Union is required to have a copy of a physical application or contract with my endorsement, for them to have legal rights to report this information.
Product: Debt collection

Saying I owe an amount that I dont owe. Also, I have never signed a contract or anything with Westlake Portfolio. The customer service rep couldnt locate a contract or anything that I personally/legally signed stating that I will pay them x amount every 2 weeks. When called, it says Westlake Financial. 
XXXX XXXX XXXX has already closed this account on my credit report. So this account has been closed.
Product: Credit reporting

someone used my name, my daughter 's name and our socials to file income tax. 
Also someone tried to use my social to obtain credit cards I filed police report, due to some of my personal documents were missing from my apartment at prior address in XXXX Also filed Identity theft affidavit
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( block, inc. ) due to inadequate customer service and unfair practices, which violates consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error solutions requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is attempting to collect on a debt that I have paid with XXXX XXXXXXXX XXXX. They can't collect on a debt that I paid directly with the creditor. see attached email receipt from XXXX XXXXXXXX
Product: Debt collection

I've highlighted the inconsistencies and inaccuracies in the account information provided from the three credit bureaus : XXXX, XXXX, and XXXX. 

Date Opened : There is a discrepancy in the Date Opened across the three bureaus. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Last Reported : There is a discrepancy in the Last Reported date between XXXX and the other two bureaus. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Last Active : There is a discrepancy in the Date Last Active across the three bureaus. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These inaccuracies and inconsistencies may violate the Fair Credit Reporting Act ( FCRA ) provisions. In particular, they violate Section 611 ( a ) of the FCRA, which states that a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate when a consumer disputes the accuracy of information in their credit report.

Given that the collection agency has verified the inaccurate information, the credit bureaus are now in violation of Section 623 ( b ) of the FCRA, which requires a furnisher of information ( in this case, the collection agency ) to conduct an investigation upon receiving notice of a dispute from a consumer reporting agency and report the results back to the consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO
Product: Credit reporting or other personal consumer reports

There is two files under my personal information with LexisNexis Risk Solution consumer report. 

One file is under my social security number but it's missing lot of identification information, including driver license records, identification records, insurance records. 

The other file is listed under my passport number associated as a social security number, including all my identification records, and DMV records. ( all information is correct, except for the passport number as a SSN ) Since my consumer report with my social security number is not showing identification records, it is creating verification issues with banks.