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

I am a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment to be updated. 


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. 


EQUIFAX 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: Credit card

Citi bank closed my credit card - XXXX XXXX XXXX card and they are not refunding annual fee {$550.00} I paid for this card. 
As I haven't used any of the benefits before Citi bank closed the card, I should be entitized to get refund of the annual fee. 

I contacted Citi bank multiple times regarding this issue, but no success in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any form of contract or agreement to CCS COLLECTIONS XXXX. I have been sending written letters to CCS COLLECTIONS about this matter but they are still neglecting my request of getting it removed. Also, I have asked for some copies of any signed agreement between me and XXXX COLLECTIONS but until now, I got nothing. This is a serious matter for me then they should take this complaint seriously.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of Debt XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX  XXXX XXXX BALANCED {$0.00}
Product: Credit card

Resurgent Capital Services They responded to XXXX If you look at the documentation on XX/XX/2021 I disputed the debt. 

First, I explained it was incorrect information on my credit report because it did not have the correct SSN, the correct address, please provide a copy of the online contract I signed with my electronic signature. 

Second, this company shows they only sent me a copy of bills which does not validate debt. This is shown XXXX. All debt must be validated according different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

ReSurgent violated this Debt Validation 15 U.S. Code 1692g Validation of debt by sending me a bill. They did not send a letter as such until I came through this agency and according to the law it was well after the 30 days of my request for Debt Validation. 

The letter they sent was not to the address shown on the XXXX XXXXXXXX XXXX XXXX. bill XXXX. Which further prompted me to place a report in with CFPB. Then Resurgent Capial Services sent in a correct validation letter after the 30 day request made. This is a violation.

This is a Request for Resurgent to provide an electronic signature. A copy of my XXXX, XXXX, and or proof outside of fraudently bills this credit card account belongs to me. According to Resurgent they represent XXXX XXXX XXXXXXXX XXXX. They should be able to access the XXXX and or the Electronic Signature of this account which is simply not mine. All bills are showing an address which does not belong to me. 

I never had a credit card with XXXX XXXXXXXX XXXX XXXXXXXX. 
I never authorized anyone to open a XXXX XXXX in my name with XXXX XXXX XXXX XXXXXXXX. 
I never received a notice to collect a debt from Resurgent within a 10 day time period or a 30 day time period. 
If the debt is charged off this means XXXX XXXXXXXX XXXX  XXXX. XXXX no longer exist. 
I have never signed a XXXX XXXX with XXXX XXXX XXXX  XXXX. nor Resurgent. Nor have I agreed to have my personal information shared. 

Again, this is not my account. Resurgent sent bills to all three credit bureaus showing a fake address and not validating. This debt must be removed from my Consumer Report it is not mine. 

If the account Originated within XXXX where is the signed contract or electronic signature or bills for those dates? No evidence has been presented which validates I created this account. 

Pay close attention at the address : Sent on XXXX and XXXX how is it possible for me to live in two locations within months apart of each other?
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit card

On XX/XX/2023 I ordered an open box item from XXXX XXXX for a cell phone. When I received the item I was sent a completely different item than what I ordered, I contacted XXXX XXXX and was informed that all I had to do was return the incorrect item back to them and once they received the item they would refund me. After a few weeks of emails and promises of getting refunded for the purchase they refused to refund me. At that time I contacted Goldman Sachs, the bank that services my Apple Credit Card and informed them of what happened and initiated a dispute. I provided them with screenshots and proof of what was sent to me along with email copies of XXXX XXXX saying I would be refunded me once they received the incorrect item back as well as a screenshot of both the XXXX XXXX XXXX receipt with tracking number and screenshot from my XXXX XXXX account showing they received the item back. Goldman Sachs sided with the XXXX even after showing MULTIPLE proofs of everything. I have re-submitted this dispute about XXXX other times with submitting multiple proof of XXXX XXXX being in the wrong and Goldman Sachs still after all the proof sides with the merchant. I wound up eating the charge for an item that I originally didn't even get the correct item but also sent the item back and never got what I paid for so I essentially got charged for something I never got and Goldman Sachs still sided with them. So not only did XXXX XXXX steal my money and keep the item I sent back to the but Goldman Sachs supported and encouraged it even after providing multiple proof that I did everything on my end to resolve the problem. I want my {$900.00} that they took from me or I want the item I paid for and this is why I am writing this complaint to see about getting some help and resolution with this.
Product: Credit reporting or other personal consumer reports

I returned the vehicle to XXXX XXXX because vehicle was a total lemon. They sold vehicle & sent me a bill for balance of XXXX. Told bank to send me itemized bill with a 1099c & was told by XXXX XXXX employee XXXX twice that he does not have to send itemized or 1099c & he said he sent me a bill. I have disputed this with Transunion XXXX, XXXX multiple times each to no avail. This is hurting my credit & as a consumer requesting itemized balance owed multiple times I just wanted to validate the debt by an itemized bill. This has been over a year I've constantly been disputing this with XXXX XXXX XXXX XXXX XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit bureaus are reporting unvalidated information on my credit report.
Product: Mortgage

Attached is you will find evidence of my fraudulent loan documents, which have been manufactured by my current loan servicer Ocwen Loan Servicing ( OLS ). Please see ( Exhibit A ) which is a copy of my mortgage Note assigning servicing rights from XXXX to GMAC, which appears to have been performed by a known Robo-signer, XXXX XXXX, A.K.A ( XXXX XXXX ), on behalf of GMAC, as Limited Signing Officer.
*See more information here regarding XXXX XXXX XXXX XXXX XXXX The name ( XXXX XXXX ) is on this Robo-signing list for GMAC mortgage assignments XXXX XXXX XXXX Info regarding Robo-signing issues and arguments Article which explains GMAC role, in regards to robo- signing scheme and why they did it!
XXXX XXXX XXXX Please see the two attached documents, draw your attention to the signatures of alleged Assistant secretary for ( XXXX ) named XXXX XXXX XXXX.Notice these signatures do not appear to be signed by the same person, however the documents indicate that it should be the same individual.Im not even sure that these Public Notary signatures are even legitimate the expiration of their commission Expires the same day XX/XX/XXXX, however, 1 year apart XXXX and XXXX.Both signatures for the notary XXXX XXXX XXXX, on the two separate documents appear to be manufactured, just like the signature for XXXX XXXX XXXX. These illegitimate signatures may possible invalidate my mortgage assignments of my mortgage from XXXX to Ocwen.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are late payments showing on my credit report for Student Loans dating back to 2014. This is inaccurate information and I have tried to disputing this with the Credit Reporting Agencies to no avail. 

This debt has been sold to another 3rd party company. 

These late payment reports have caused me to lose out on housing, credit and transportation. 

The late payments are inaccurate. They have been deferred multiple times and I have not received any documentary evidence, audit trail or the like showing that these payments are indeed late.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting incorrect claims to my insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Capital One ( ... XXXX ) has improperly reported a debt to a credit reporting company without meeting their obligations under the Fair Debt Collection Practices Act ( FDCPA ) Capital Ones negligence on this account has caused a negative credit bureau report. 
I paid a total of {$2700.00} through XX/XX/2022 through a XXXX XXXX solutions program which my wife XXXX set up for us. All was going well. Then without our knowledge, Capital One withdrew from receiving monthly payments. For 2 years afterwards, Capital One never sent us any kind of communication for additional balance after they refused monthly payments leading me to believe the account was paid off. 
We didnt find out about a remaining balance until my credit reports were recently pulled when I applied for a loan. 
I have contacted Cap One about this but was told the account does not exist and the second time I contacted them, they had no explanation as to why I wasnt informed that they were no longer accepting payments and why they never me statements for previous balance or the remaining balance. 
I should not be penalized for their negligence, gross lack of communication which denied me the chance to at least be aware of the outstanding balance after they stopped taking my monthly payments. The account is over 7 years old, I am requesting it be removed my XXXX & XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just had a complaint in XXXX and XXXX came through for me equifax closes my complaint without reading thoroughly I needed the XXXX XXXX XXXX XXXX Ohio XXXX removed from my credit report. Equifax has failed multiple times to address this issue.
Product: Debt collection

I am lodging a formal complaint against trident asset. this debt collector has continued to report negative information on my XXXX credit report without validating the debt. ive sent this company numerous debt validation letters, but they ignore them which is a violation of the fcra. this debt is for {$140.00} and its from XXXX. the problem is I never had an account with XXXX. ive continued to tell asset this but they don't care. im requesting this account be deleted from my XXXX credit report, or I will sue for violation of fcra. thanks for your time!
Product: Prepaid card

To : Consumer Financial Protection Services From : XXXX XXXX On XXXX/XXXX/2016 I disputed an unauthorized charge made on American Express Serve Prepaid Debit card on XXXX/XXXX/2016 through XXXX and XXXX, the charge was for {$630.00}. I contacted my cardholder as soon as I noticed the charge. I was told the investigation process will take up to 45 days and a provisional credit will be applied to my account in 10 business days until a decision was made. On XXXX/XXXX/2016 I first got an email saying my account was suspended then a few minutes later I got an email saying my claim was denied with no reason behind the decision. I called to find out the reason for the decision and was told I violated the terms and conditions of the account. I spoke with XXXX the same day XXXX/XXXX/2016 and was told that they had n't responded to my card provider yet, and to call back at a later date to find out the status. I called XXXX again XXXX/XXXX/2016 and spoke with a supervisor whom explained that they granted the charge back because the seller was n't cooperating and my money had been sent to my card holder ( American Express Serve ) XXXX/XXXX/2016 I was give the run around and told that my account had been closed and that was it with no explanation. I wrote customer relations but have yet to get a response. It took exactly 10 business days for my card holder to reach a decision and XXXX had n't sent anything to my card holder yet. The chargeback was granted XXXX/XXXX/2016 by XXXX because of lack of cooperation from the seller. I am attaching copies of the email 's sent from American Express Serve. I hope this helps and I could get my money back. Thank you
Product: Credit reporting or other personal consumer reports

i came across the CFPB transuion LAWSUIT I feel i was negatively impacted hurthing my chances at credit after receiving a response to my earlier dispute that accounts were verified come with the receipts or be quick to delete the accounts XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an authorized inquiries on my credit report XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a bump into going over this and I am submitting this complaint OVER AND OVER AGAIN to remove the following fraudulent accounts in my file that are reporting on Experian Credit Bureau. How many time should I told you that I am a victim of identity theft and I did not create the responsibility or the accounts? I have requested that the accounts be removed to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and my Police Report which I filed on my local Police Department. But guess what? Nothing has changed! I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged accounts below showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt PLEASEDELETE IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}, XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$11000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$83000.00}, XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Balance {$1800.00} XXXX COUNTY OF XXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXX-Late/Closed Late Dates XXXX
Product: Credit reporting or other personal consumer reports

XXXX. The inquiry was not authorized CAPITAL ONE Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized CAPITAL ONE BANK USA Date of inquiry : XXXX XXXX, XXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached document to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXXXXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXXBalance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifies asinformation that resulted from alleged identity theft, not later than 4 business days after the date ofreceipt.