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

I dont acknowledge the debts that I previously disputed multiple times and I demand that you provide me with any proof that the debt belongs to me if you cant provide it then remove everything I disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to exercise my right to question the validity of the debt your agency claims I owe, according to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer required to remove inaccurate derogatory information from a consumers file that can not be verified. I would like to see a complete list of all documents and correspondence in regards to the below accounts. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : XXXX  XXXX XXXX   XXXX  XXXX  XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I contacted US Bank on XX/XX/XXXXabout unauthorized transactions on my account and was told there was nothing they could do about them because I was at the establishment and I have to wait for them to post. I looked at my account this morning and I have an overdraft fee. I called and I wanted an explanation and I was told that the transactions from XX/XX/XXXX brought the account negative which is not true. US Bank is attempting to pre charge me a fee on an authorization that is fraudulent and not authorized. This is bad for business. I was not advocated for as a customer. US Bank looked for a way to profit from my loss. This is very distasteful. I asked to speak to a manager and it was refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeatedly tried REMOVING XXXX XXXX alert. Sent in all required documents to remove alert. Still hasn't been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened several disputes regarding a bankruptcy on my credit report. Equifax removed the bankruptcy from my credit report but re-added it weeks later because they claim they " verified '' it with their furnisher of records, I attached the letter they sent me when they deleted it. I continue to provide more and more documentation that proves this is not my bankruptcy. My latest conversation with one of their representative 's, I was told to create an account on pacer.gov, look up my social security number and to take a screenshot of the misreporting and send it to them. In this new CFPB complaint, I'm including the letter from XXXX they sent me stating that they deleted the bankruptcy from their reports, Since XXXX is their public records furnisher, I'm also including the most recent XXXX XXXX credit report that shows no public record. I'm also including a letter from the court saying they do not verify any bankruptcies with the credit bureaus and a screenshot and document from pacer.gov that shows my social security number with the wrong spelling of my name. My legal first name is XXXX, not XXXX. I'm also including a copy of my social security card and my drivers license. This needs to be removed from my credit report permanently.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working on getting these accounts off my credit for about two years. None of these accounts are mine. I've never filed BK in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Enhanced Recovery Company located in XXXX, FLORIDA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Enhanced Recovery Company has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # 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 my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

On XXXX XXXX we received notice that our Capital One 360 card had been closed, due to inconsistency with their expectations for account usage. We recently had made payments to the account ( not the payment promise to pay amounts due every month ) that did not clear, due to insufficient funds. It should be noted that the minimum payments ( promise to pay ) according to the consumer agreement were paid and cleared our accounts every month. The additional payments we attempted to make were not cleared. As a result, Captial One closed out the account and it was reported to the credit bureau causing us to loose points on our credit score. Also, it should be noted that their customer service representatives told us we would not be penalized for those extra payments ( not the minimum payments due ) if they did not clear. Our minimum payments due ALWAYS cleared our bank accounts.Capital One 's consumer agreement also does NOT state I REPEAT does NOT state your account can be closed due to insufficient returned payments. I will attach the agreement to this complaint. Capital One breached its consumer agreement and closed our account, causing damage to our credit score over returned payments ( which the consumer agreement does not state we would be penalized in this way ) for trouble clearing additional payments to the account. We PAID ( the promise to pay ) minimums on this account ) as indicated in the consumer agreement. Other payments made were NOT promised to pay and were at our discretion to make. We were only obligated to pay what they asked for which was the promise to pay the minimum payment due. They closed our account anyway which was unfair and UNJUST. Capital One should reopen our accounts or agree to cancel our balance due to their breach of contract and unjustly closing our consumer account for terms NOT stated or laid out in the consumer agreement nor agreed to by us the consumer. The bottom line Capital One penalized a consumer for terms not in the consumer agreement or their own policies and as a result, closed our account and damaged our credit and they should be HELD accountable. Legal action is being considered at this time.
Product: Debt collection

XXXX XXXX out of XXXX, CA stated that I owed {$730.00} from a overdrawn XX/XX/2009 Wells Fargo checking account. Claimed they were going to file a civil lawsuit but refuse to provide any documentation or verifying information. Would only provide method to repay. Was rude, condenscending and dismissive. They originally contacted my son on his cell phone and left message which he forwarded to me.
Product: Student loan

SITUATION : I set up an automatic monthly payment of {$820.00}. on my consolidated student loans in XX/XX/XXXX after my deferment ended while I was in graduate school, and I have not missed a payment. I reviewed my statements in XX/XX/XXXX back to XX/XX/XXXX and noticed that the way interest was being charged on my loan was not correct. As the principal is paid down, the amount amount of interest should go down, and the amount credited to principal should go up each month as in a mortgage. That was the way I set up the interest to be charged, but it was not being charged that way. The interest amount stays roughly the same month to month. ACTION TAKEN : I called Navient and talked to customer service who could not correct the problem. I asked to be transferred to a supervisor. RESULT : The supervisor confirmed that the interest was not being charged correctly. He told me I would receive a letter in 3 to 5 business days telling me how Navient would correct the issue. About three weeks later, the letter came. The letter summarized the capitalized interest while my loans were in deferment. It did not address how the interest was currently being charged since the loans came out of deferment in XX/XX/XXXX. ATTACHED : Attached is one of the statements that I have highlighted the interest and principal totals paid, which is similar interest amount to all the other statements. Also, highlighted is a section called " How do I pay with instructions? '' that details how a customer can instruct the lender to allocate interest differently so the consumer does not pay more interest than needed on the loan. Also attached is a copy of the letter from Navient showing they did nothing to address the problem. DESIRED ACTION : I want Navient to apply the payments since XX/XX/XXXX as I directed so that as the principal is paid down monthly, the monthly amount going toward interest is also reduced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with an ongoing stubborn account, I.C. SYSTEM INC. This account is a closed account and has a late payment on it. This is a violation under the FDCPA that a closed account can not have late payments. Furthermore, I submitted a dispute asking them to send me the original signed contract with my signature on it, which they have failed to do. I then sent in a 30 Day Demand after 60 days letting them know that they failed to respond to me, and if they do not respond within that certain time frame under the FCRA my account has to be deleted. STILL NOTHING! I then sent in a complaint to the XXXX, who told me they were unable to identify my account... okay if you can't identify it... erase it!!! At this point, this is my last step before filing for ligitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters to XXXX  Credit Reporting company asking for their verification process of Bankruptcies. I provided XXXX  with a letter from the US Court Clerk informing me that they do not sell records. I have also placed a freeze on my Lexis/Nexis account. I have received a letter from Lexus/Nexus informing me that they removed my information as well. XXXX  refuses to delete this unverifiable information. My next step will be to take legal action. 

Chapter XXXX - XX/XX/XXXX Case # XXXX Chapter XXXX - XX/XX/XXXX Case # XXXX
Product: Credit reporting or other personal consumer reports

I contacted Experian about old accounts reappearing on my report as negative. I asked them to update this information. They are reporting XXXX negative accounts. I only have XXXX accounts that is open and they are not negative.
Product: Debt collection

I have disputed the collection account JEFFERSON CAPITAL SYSTEMS LLC on my credit. I have asked for documentation showing that this is mine. They have failed to do so. At first, it was removed from my credit. Now it is back on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

The credit bureaus continue to report information that is incorrect on my credit report. I contacted each bureau to make them aware of the incorrect information and none of them have made any moves to correct the information. This is the ONLY derogatory account on my credit report, and it appears as if they would like to keep it on my account to keep my credit score from improving. 

I have detailed the incorrect information on the letter that I will be including in this report. I am aware that Experian has been in litigation with you for this specific reason. I believe that their reporting of this account falls into the parameters of that suit. 

The phone number listed as the contact number for the account is the Credit Bureau Reporting Department not the lender who purchased it nor the actual company. I only included snippets from Experian, but all three have incorrect information.
Product: Credit reporting or other personal consumer reports

I have requested that my personal information be updated with XXXX, Equifax, and XXXX. As of this date no changes have been made to my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; 2. XXXX Inquiry Date XXXX XXXX, XXXX ;
Product: Credit card

I received a letter from Synchrony Bank stating that they closed my Banana Republic Credit Card due to my credit score and review.
Product: Debt collection

XXXX was a company that I utilized for less than a month. Just like XXXX XXXX XXXX it was company that I purchased from in store and was lied to. The retail location had reviews from every where that pretty much everyone went through what I had. Service was continually bad in my location at the time of zip code XXXX in XXXX and continued dropped calls when my then employment was based off my cell phone and being able to utilize it properly was tarnished I cancelled and yet again attempted to return the devices. One device was certified pre owned and upon bringing it home we had discovered the employee hadnt done his job and you couldnt hear the other person on the call. And according to the terrible rep were were sold it as is and were stuck with it. We ended up cancelling a few days later when my brand new at the time XXXX as mentioned earlier couldnt keep connection to another call even in an emergency and also couldnt connect to the internet anywhere in my town without XXXX. It was done in good faith to try to return both phones and, again both were rejected. Also this happened in XXXX  and this rotten collection agency keeps reporting it as brand new debt which is illegal and harrowing and incorrect. The only thing not clearly defined in the CFPB/ XXXX rules is harassment. And this has been devastating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

I sent Fox Collection Center a certified letter in XXXX XXXX 2017 asking them to provide validation that the accounts that they have listed on my credit report were indeed mine or else delete within 30 days. they respond to me on XXXX XXXX 2017 with an authorization to release form that i sign and return to them right away. Upon checking my account on today, I have noticed that the accounts listed are still showing on my credit report. They never verified or responded after i send them the authorization to release form signed by me, therefore they are in violation
Product: Debt collection

I took my son to the emergency room with intermountain hospital XX/XX/XXXX. My son is double insured with XXXX and XXXX. In XXXX of XXXX I did a credit check and seen that this was on my credit so I called XXXX thinking this was my fianc bill found out it was for my son. They told me there was nothing I could do since XXXX did not pay the bill now I have to. I made 2 payment under that statement and was going to pay off when I taxes. However this was sent to Olson Shaner attorney for a lawsuit. After doing some research and calling XXXX and the original debt owner I found that the bill was paid by XXXX within 3 months after this incident. I sent the call recording of XXXX XXXX saying I didnt owe the bill after months of communicating with them finally got a itemized bill showing I did not owe the bill. I also got a estimate of benefits from XXXX showing that the bill was paid as well. I then called XXXX to verify that they got the information and was told that the original bill owner is still saying I owe the bill. Im not sure what else to do at this point. I do believe this is 1 insurance fraud. 2 unfair debt collection.
Product: Credit reporting or other personal consumer reports

I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) XXXX XXXX  XXXX bal {$0.00} Child Support XXXX XXXX {$20000.00} XXXX XXXX Bank SS XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} Inquiries : XXXX of XX/XX/XXXX XXXX Main XX/XX/XXXX COAF XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Related to XXXX, I like how Venmo worded and shifted things around in a way that conceals how few/some/many/all of its employees hid all the behind-the-scene activities, that include but limited to, stalking my account and causing annoyances. 

( Or maybe group up with random 3rd parties/others to come up with anything that they can use to damage or harm/injure me ). Though I'd love to use the same kind of standards against Venmo, I don't have other people who share the same enthusiasm to stalk Venmo or its employees to group up with. 

It's not something I did to cause these alerts, but these employees ' will to fish more random information that causes this " permanent closure. '' I don't recall that " XXXX '' existed for Venmo accounts. I did use two different bank accounts with Venmo, and all previous accounts were closed voluntarily on my own. I broke no agreement during that time. For 3rd bank account, because the Venmo representative only required the bank statement for accounts that were to be re-used, I was only able to use a debit card to activate it. I didn't try to re-use any previous bank accounts and that's why Venmo allowed the new account. 

It is also strange how Venmo suddenly put a freeze on my account, then require government ID then bank statements for ALL previous accounts. ( 1 ) It had enough ID to verify, even if this were truly an identification issue. ( 2 ) Requiring bank statements for all previous accounts contradict previous call on only requiring debit card for new account. 

This is exactly the reason I refused to give out any more information and I'm glad Venmo saved me from its employees be banning me from its platform. 

I'm " submitting '' this rebuttal to expose the hidden intent behind your actions.
Product: Consumer Loan

ALLY Financial assessed Excess Wear on XXXX Chevy MaIibu returned by XXXX XXXX to XXXX XXXX XXXX XXXX NY on XXXX XXXX 2014 in the amount of {$1000.00}. XXXX XXXX paid out on XXXX/XXXX/2014 an amount of {$650.00} for Policy Number XXXX, Claim XXXX. ALLY refuses to credit XXXX 's Account and continues to request payment of original {$1000.00}. ALLY in violation to federal Fair and Accurate Credit Transactions Act reported original balance as delinquent to credit bureaus. ALLY continues to investigate matter further and refers matter to Collection Agency who insist even if XXXX XXXX did make partial payment, XXXX still owes the original amount ( per XXXX XXXX XXXX XXXX.