23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I didnt apply for a thing, I didnt contract with anyone for a thing! On XX/XX/XXXX I received a call from SOUTHERN FINANCE even though i had already tried to reach out after seeing that a loan was placed onto my consumer report. I am very concerned about how this company received my PRIVATE INFORMATION! My Social Security Number to be exact!! My SSN is my credit card and the source of all of my credit! 15 USC 1602 ( L ). More importantly How was I pre approved for any loan when I never gave this company my information? This company has gathered my private information without my consent and pursuant to 18 USC 1028A, federal law thats identity theft! This company has trespassed onto my ESTATE and are telling I, the consumer that I owe them something! So they commit identity theft, gaining access to my trust account with my open end consumer plan. There is no telling how much this financial institution has taken from me, yet telling me I owe them something? The SSN belongs to the SSA and anything purchased with that identifier number is an obligation of the UNITED STATES 18 USC 8. Meaning anyone attempting to collect a debt is guilty of the FALSE CLAIMS ACT! 31 USC 3729- 3733. This company is committing FRAUD & IDENTITY THEFT & needs to be shut down!!! Will be filing form 14039 & Form SSA-89 with the IRS. These companies are committing fraud and its not okay. Financial institutions cant lend money! 12 USC 83!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft so i'm reporting this to clear my name.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed. They were clearly not investigated properly. 

Here are the 3 accounts. 

XXXX. XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX. 
XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union credit bureau service has continued to report fraudulent information on my credit file. From XX/XX/XXXX XXXX my score decreased from XXXX to XXXX a decrease of over 47 points. as of today XXXX XXXX. They are putting my paid good accounts as closed affecting my score these accounts should be showing paid or paid as agreed.They are also saying the creditors are closing the accounts. I have never or would never close a good account that has been paid.also trans union has said that my creditors have put derogatory remarks on my credit file.therefore, affecting my score module.They have removed over 30 accounts fraudulent accounts from my file.Those fraudulent accounts affected my score for years and then they drop my score and have removed these accounts and affected my scores again. These accounts are as follows listed here and attached.They have given me no points for the removals of the fraudulent accounts.They have destroyed my credit worthiness with my creditors.16 Remarks on my credit file, 9 closed Paid accounts Department of ED , 14 closed paid accounts, 5 closed paid accounts, 2 more derogatory remarks. All these accounts have been paid in full and I have not  closed these accounts.The law suit CFPB sues XXXX  and Trans union has affected my credit file and worthiness the Dodd Frank act of 2014 and my credit will never recover from their inability to keep my credit file and information safe.This is Fraud and unfair practices of Trans Union. I want a complete investigation into this matter I have contacted the CFPB and filed over 20 complaints against Transunion, XXXX and XXXX. and these bureaus have continued in their fraudulent practices and the SCORE MODULES HAVE TO BE FIXED NOW!!!!!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX **We are requesting that these accounts listed below that the late payments are removed on these dates. These accounts are current but we would please ask these banks to remove these late payments on these dates** **late payments** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX CARD LISTED BELOW IS ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED FROM MY REPORT ASAP! ALSO IT IS PAST THE STATUE OF LIMITATIONS OF REPORTING FOR THIS FRAUDULENT ACCOUNTXXXX XXXX XXXX Services Balance {$4100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Factual Data XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My cousin received this voicemail from a man name XXXX ( which was strange to begin with because i have never put her number on anything other than emergency contact or reference for a job ) stating he was calling from a law office about a complaint about collecting a debt. when i called back i got XXXX XXXX, who was off rip rude as they come. XXXX tells me that he is calling regarding a debt from HSBC from XXXX XXXX XXXX of over $ XXXX. for starters, i have never heard of this company HSBC and two why are you calling me TWELVE YEARS LATER. XXXX then tells me that it was a card i applied to in XXXX and had until XXXX to pay. again 10 years later they are calling me. without any form of contact from this said company, no calls no mail. He ask to verify my address and it was wrong! it was an address from FIVE years ago, which burned down unfortunately. my address and all my personal info is up to date, including my license, so how hard were these people actually trying to contact me? they filed a claim YEARS ago and then reinstated the claim AFTER the researched my info and found that i was working ( according to this XXXX XXXX ). so, if you can research whether or not i have an income, why couldnt they research my CURRENT info to avoid all of this? 

so in attempt to resolve this issue, i asked what my options were ; XXXX then said i could pay {$500.00} now and make payments of {$100.00} or something towards the settlement of {$1500.00} they were offering. mind you, this credit card had a credit limit of {$300.00} according to this XXXX person and TWELVE YEARS LATER its at over $ XXXX. When i told XXXX that i couldnt possibly pay XXXX up front he asked when i could make the payment. i was honest and said probably not until the end of this month ( XXXX ) or beginning of next month, as i am not rich and can not shell out XXXX in the blink of an eye. his response? " NEXT MONTH?! YOU DONT GET PAID AGAIN? ". i told him of course i do but unfortunately i have other responsibilities and i cant just abandon them to please you. oh! and even better, he kept saying " i dont have to help you '' almost like he was doing me a favor on something I HAD NO IDEA ABOUT! 

in the end i asked how i could get in contact with HSBC and the XXXX then said " IN COURT! Ill get you served, good luck '' and HUNG UP! 

it is absolutely ridiculous for this company to be threatening to garnish my wages, etc when this said account is TWELVE YEARS OLD, they have inaccurate info on how to contact me AND demand that i pay XXXX out front. had this company contact me sooner and not TWELVE YEARS LATER i would've been happy to settle the debt but they are looking real desperate to be coming after someone TWELVE YEARS LATER with this garbage and threatening people to get their way.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
reference # '' XXXX XXXX The notice sent to me is dated XX/XX/2019 from a check written in XXXX. I have never been notified by XXXX XXXX XXXX of the check being returned ; this is the first time I'm notified and it's already with a collection agency. I tried to dispute with XXXX XXXX the same, but without providing my bank account and driver license information-I can not dispute their reporting/collecting. I'm resolving with the creditor, but given how this was handled, I would like this to be removed from their reporting/records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TRANSUNION : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Account Name : XXXX - XXXX Account Number : XXXX
Product: Debt collection

I have gotten constant calls from the same debt collector called XXXX. They have contacted me on multiple unofficial numbers.
Product: Credit reporting or other personal consumer reports

The investigation took far longer than 30 days. They also did not inform me ( XXXX XXXX XXXX ) as to what exactly was changed, nor did they send any updated results to my insurance company that has now been charging me exorbitant rates/premiums since the beginning of XXXX 2023. 
I also wish to add to my report, held by them, the following statement : I have not had any traffic citations. I also have never been At-Fault in any claims. I have great credit and drive safely. I have been happily married for many years and have a college degree. Thus, I should qualify for your best rates. Thank you for your anticipated understanding and compliance.
Product: Debt collection

Received a letter from the company Diversified Adjustment Service about an old debt on XX/XX/XXXX alleging I owe {$650.00} to their company for an old XXXX bill. I sent to them a validation letter by certified mail on XX/XX/XXXX asking for verification of this said debt account ending in XXXX. On XX/XX/XXXX, I received a copy of a bill, that does not have my signature indicated that was from XX/XX/XXXX. This bill was bought from another collection agency that I have also disputed with that is still currently showing on my credit report. I have been receiving numerous phone calls from this company all hours of the day and night. On XX/XX/XXXX Diversified Adjustment Service reported this to the credit bureau and now it is appearing on my credit report as an added collection from them. They are attempting to collect on a bill that I do not owe them and no proof has been received that I owe them.
Product: Debt collection

I contacted XXXX to obtain services in XX/XX/XXXX. They informed me I could bundle service with XXXX. I decided that was an option I wanted. I was informed that before any billing would start the installation employee would come confirm that my residence was feasible to obtain services. The installation employee informed me that there were too many trees on my property to obtain XXXX service. He put me on the phone with a manager would informed me that all contracts would be null and void, and he was sorry I could n't obtain there services. XXXX days later XXXX sent me a bill for services rendered. I did n't obtain any services from XXXX as I did n't obtain the bundle from XXXX. I sent certified mail response requesting : 1 ) Proof that I am a customer and had requested services 2 ) Proof that services were in fact rendered at my address 3 ) If XXXX could n't provide proof that they stop sending me collections. I received no reply, but did receive a collections notice from a third party collections agency. I sent the collections agency the same XXXX questions i sent XXXX. The collections agency responded informing me that they in fact could n't prove any services were rendered and would be sending the account back to XXXX. XXXX link then sent me another collections notice on their behalf, and I again sent a certified mail response which received no reply. Now on XX/XX/XXXX, another collections agency is requesting payment of debt on behalf of XXXX at the amount of {$290.00}. This has caused me XXXX as I have NEVER missed any payments to ANY of my creditors. XXXX can not prove I had received or asked for any services. Yet, they refuse to respond to me correspendece. XXXX practices are in direct violation of the Fair Debt Collection Practices Act.
Product: Credit reporting

This has been an ongoing situation with Chex-systems. I have faxed to them on XXXX occasions the social security card they were requesting because they said my file is being merged with someone with a similar name. I also sent to them a copy of my identity theft police report listing the fraudulent inquires that are related to the fraud that has occurred and they have not sent me any letters as they stated they would. I have requested on several occasions for them to remove the fraudulent inquiries from my file and yet they continue to ignore my request.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX  XXXX **** Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover card accounts belonging to my spouse are being reported on my Credit File, I am only an authorized User on all discover card accounts and they are being reported as current on my credit file and should not be on there at all, he removed me as Authorized User. All discover card accounts should be removed from my Credit File.
Product: Credit reporting or other personal consumer reports

Social security number is XXXX Equifax Information Services LLC my credit report theirs is negative item that's 90 days late late four is XXXX my complaint is that it supposed to be removed from my report I have a federal trade commission identity theft report on file
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a Conditional Acceptance Cease & Desist to Jefferson Capital Systems , LLC ( " JCS '' ) detailing their actions harming my consumer reports. I have never given JCS my permission to use my consumer reports as is required under 15 USC 1681b ( a ) ( 2 ) which states " In accordance with the written instructions of the consumer to whom it relates ''. I also requested proof of that written permission from the company in the event I made a mistake, the company failed to produce any documentation to show they have my written permission. This is negligence and a clear violation of a federal statute. I received documentation dated for XX/XX/2022, a response was sent further providing proof that the company has no original contract, nor any proof of my written permission to use my consumer reports. This response from JCS indicated that the company continues to harass me via my consumer reports after failing to provide proof that I gave them permission. This is a violative business practice when a company believes they do not need to have a contract to defame any individuals character. Federal law supersedes any " company policy '' and in the eyes of the court, federal statutes are the mandatory authority. Additionally, this company did not communication with me prior to sharing my personal information with any non affiliated third party. 15 USC 6802 ( b ) states very clearly JCS is 100 % required to communicate with me PRIOR to sharing any information with a nonaffiliated third party. JCS failed to communicate with me prior to doing so. Not only is this company defaming my character without consent, they are also reporting inaccurately between the credit reporting agencies and have not labeled the accounts as disputed which is a requirement under 15 USC 1681s-2 ( 2 ) & ( 3 ). They were notified directly and via the CRA 's that the information was inaccurate and the response from the company was these accounts are " verified ''. If the company is telling the CRAs that both reports, that are showing different and inaccurate information is accurate... the company is providing false and misleading information. Precedent has already been established by the The United States of Appeals, Ninth Circuit, No XXXX XXXX XXXX XXXX XXXX that the reporting company is 100 % responsible for how the information reports. Lastly, Congress as already stated in the FCRA that inaccurate information must be removed from a consumers credit report. All the essential elements are present for not only defamation of character but extreme negligence on behalf of JCS. Each of these violations are subject to penalties as described in 15 USC 1681n & 15 USC 1681o and as seen from previous cases of a similar nature, the Plaintiff has also been awarded punitive damages when companies have no permissible purpose. One look at PACER will show that this company has a long history of harassing consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  X/XX/17   , I requested Transunion  &    XXXX   to validated accounts on my credit report and received response on  XX/XX/2017    from Transunion and on  XX/XX/2017    from  XXXX  that accounts where verified but was not provided any documentation as to how these accounts where verified.     Also Transunion  XX/XX/2017    report - on  X/XX/17    I requested that the status be updated on all of my student loans including late payments because my account was in forbearance and dates where not accurate. There is also duplications of my student loans on my report and they have refused to address that issue. I have attached a copy pf my letter that was sent to them
Product: Debt collection

On XX/XX/year>, I received a phone call from an agent regarding a debt. Subsequently, I received letters from I.Q. Data International , Inc. dated XX/XX/year>, and XX/XX/year>. 

On XX/XX/year>, I attempted to contact XXXX XXXX directly to obtain more information about the debt, as I had not received any statements indicating an outstanding balance. 

On XX/XX/year>, I sent a debt validation letter via Certified Mail to XXXX XXXX XXXX, requesting further information or a ledger. I.Q. Data International , Inc. did not respond to my request. However, my credit monitoring service notified me that the debt is now being reported on my XXXX credit report. The report states that the debt was disputed by the consumer, which is inaccurate as I had not received validation as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason