23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFM Group LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details of the Incident XX/XX/XXXX : Scheduled deliveries by XXXX XXXX XXXX failed to arrive multiple times, directly impacting the operations at XXXX XXXXXXXX XXXX 

XX/XX/XXXX : XXXX increased prices by XXXX XXXX  and decreased XXXXXXXX XXXX by XXXX XXXX without prior notification, violating our existing agreement. 

XXXX - XX/XX/XXXX : Multiple communications were sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  addressing the unauthorized price increase and supply issues. The responses received were unsatisfactory, with no resolution within the 30-day period specified in our contract. 

Unauthorized Actions : There have been instances of forged receipt signatures when services were claimed to be delivered by XXXX, raising legal and ethical concerns. 

Interaction with CFM Group Missed Call and Voicemail on Current Date : CFM Group left a voicemail regarding an outstanding balance for XXXX XXXXXXXX XXXX, threatening to report the debt to credit bureaus. 

Return Call and Discussion : XXXX XXXX XXXX XXXXXXXX XXXX XXXX returned the call to dispute the credit card chargeback and collection action. CFM reviewed the email chain but insisted on resolving the dispute by offering a reduced payment, which was refused by XXXX. 

Outcome : CFM noted the account as " refuse to pay '' and threatened further action, such as reporting it to credit bureau. 

Requests and Actions Taken Review by CFM : CFM needs to thoroughly review the email chain sent by XXXX XXXX and provide a decision on the dispute. 

Credit Report Update : CFM is expected to update the credit report to reflect the 'no status ' consequence for XXXX XXXX refusal to pay, acknowledging the ongoing dispute. 

Documentation and Communication : All interactions and transactions have been documented without including personal identifiers.
Product: Debt collection

On XXXX XXXX, 2016, I submitted a formal cancellation notice to XXXX XXXX XXXX XXXX, a massage therapy company which operates in multiple States across the US. The arrangement is that customers sign up and pay a monthly fee of {$59.00}. The contract that I entered into was a " month-to-month '' agreement, which was subject to cancellation by the customer with 30 days written notice, which I submitted, at the direct instruction of the Company on XXXX/XXXX/2016. However, XXXX XXXX XXXX refused to cease the monthly billing to my XXXX XXXX credit card. With the assistance of XXXX ( I reported this practice as fraudulent to XXXX ), I was able to have XXXX XXXX XXXX removed as an authorized creditor with charging rights to my XXXX credit card account.
Beginning about six months ago, I began to receive progressively more aggressive phone messages from XXXX XXXX XXXX demanding payment of {$230.00}. Three months ago, XXXX XXXX XXXX turned this matter over to their collection company, Transworld Systems , Inc., which has been hassling me regularly via mail since that time.
Product: Debt collection

Experian and XXXX XXXX XXXX removed this item from my credit report. Legally they have to keep off my credit report which both have not. This debt has not been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries from : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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

To Whom It May Concern : I'm preparing to purchase a home, and I received a copy of my credit report. I noticed an account from Uplift INC, Account number XXXX, and In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. In accordance with Fair Credit Reporting Act, this creditor, Uplift INC, Account Number XXXX, has violated my rights. Under [ 15 U.S.C. 1681 ], Section 602 states that I have a right to privacy. [ 15 U.S.C. 1681 Section 604A Section 2 : further states that a consumer reporting agency can not furnish an account without my written instructions. [ 15 U.S.C. 1666B ] states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. For the reasons stated above, I request the late payments be removed from my consumer credit reports, all three credit reporting agencies ; XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed these accounts and they aren't mine. Please remove them.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I called XXXX XXXX XXXX  and requested they verify a debt that is currently in collections. I asked that they send me information that shows I owe the debt but did not receive anything from them. I did a follow up with them in XX/XX/2023 but was informed that they had nothing they could send me to verify the debt. Before I could ask them to stop the collection on the debt until they send me verifying information the rep hung up in my face. Ive tried numerous times to get information regarding this debt and the validity of it but its been to no avail. I also contacted all 3 credit reporting agencies to dispute the debt, XXXX removed the information from my credit report but TransUnion and XXXX have yet to do so. They even have reporting errors on file such as date opened and date last active that they have failed to update since XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a fraudulent credit inquiry on my credit report that needs to be removed Inquiry : XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates , LLC, a collection agency failed to validate an account. They continue to report the invalidated account to the XXXX credit reporting agencies. 
In XX/XX/XXXX I requested my free annual credit reports. On my credit reports I noticed an entry by Portfolio Recovery Associates , LLC. In XX/XX/XXXX I mailed Portfolio Recovery Associates LLC a letter requesting validation. The information I requested in my validation letter were as follows:1. What the money they say I owe is for. 
2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Show me that they are licensed to collect in Minnesota ; 7. Provide me with their license numbers and Registered Agent. 

They received it around the end of XX/XX/XXXX. In early XXXX I received their response. Their response was a computerized printout on their own letterhead. Furthermore, they were n't able to provide the information listed above. 
I allowed XXXX months to pass by giving them sufficient time to send me some actual validation. In XX/XX/XXXX I mailed them a follow up letter to the response they mailed me in XX/XX/XXXX. In the letter I informed Portfolio Recovery Associates , LLC that they did not validate the account according to the Fair Debt Collection Practices Act. I included a copy of the FTC 's Cass- XXXX Opinion Letter. I wrote them that according to this opinion letter when a collection agency reports an account to the credit reporting agencies, this constitutes collection activity. The Statute of Limitations on the alleged account they are trying to collect has expired. 
Furthermore, I included a copy of the FTC 's XXXX Opinion Letter. According to this letter a computerized print out if a debt does not constitute debt validation. Again their response was a computer printout on their own letterhead. I received this response in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following entries on my credit report, which I believe to be inaccurate : XXXX XXXX - XX/XX/year> I have made numerous attempts to correct these discrepancies, submitting the required documents and following up multiple times, but no action has been taken. These errors have caused unnecessary financial hardship and have put an immense strain on my personal well-being. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report free from inaccurate or unverifiable information. I expect a thorough investigation and a resolution in a timely manner. Please ensure that these concerns are properly addressed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update these in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX and its affilates continue to use my report fraudulently and illegally XXXX XXXX XXXX is illegally sharing my data with its affiliates despite my will and in violation of the law. 
i have no contract with these companies and have not given them permissible purpose to use my name reports or likeness. this is in violation of several laws and my rights. including but not limited to Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

Specifically, Section 604 of the FCRA requires that a consumer must provide written consent before a company can obtain their credit report.

Section 607 also prohibits credit reporting agencies from disclosing a consumer 's credit report without a permissible purpose, such as employment or credit applications.

Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 et seq. 

Specifically, the GLBA requires financial institutions to protect the privacy of consumers ' personal financial information, including credit reports. 
Electronic Communications Privacy Act ( ECPA ) - 18 U.S.C. 2510 et seq.

Specifically, the ECPA prohibits the interception of electronic communications, such as email or text messages, without the consent of the parties involved.

Minnesota Government Data Practices Act ( MGDPA )- Minn. Stat. 13.01 et seq.

The MGDPA regulates how state and local government agencies collect, use, and share personal information, including credit reports.

Minnesota Consumer Credit Reporting Act ( MCCRA )- Minn. Stat. 13C.01 et seq.

The MCCRA requires that a consumer must provide written consent before a company can obtain their credit report.

Minnesota Personal Information Privacy Act ( MPIPA ) - Minn. Stat. 325E.61 et seq.

The MPIPA requires businesses to provide notice to consumers about the collection, use, and sharing of their personal information, including credit reports.

it is illegal for transunion experian and equifax to continue to share this information without my consent and especially as i have made it known this data is fraudlent.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX  XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter XXXX  states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than XXXX days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied and was approved for membership with BECU in XXXX. This was my tenth time applying ( my   partner has an Acct and we wanted to make them joint ) - and after sending in all the required documents and funding the account from my XXXX XXXX checking my checking and savings accounts were opened. 

I decided to apply for a credit card and was approved. However when the credit card came I could not activate it. After NUMEROUS calls to BECU I was informed that I didnt pass their fraud screening test and that all my accounts were closed and to throw away the credit and debit cards. ( Mind you they hard pulled my credit report and XXXX AND my debit card still works - but supposedly Im not a member ). 

The problem now is that they are reporting this credit card to all the credit bureaus as an open active account when in fact they claim this was never opened. 

I would like them to at least remove this account from my reports as it is fraud in their eyes anyways. Of course in their responses they never mention the credit card because they know it is still reporting but how could that be?!?
Product: Credit card

I am filing a complaint regarding an account with Synchrony Bank for Ashley Furniture Homestores ( Account Ending : XXXX ). This account was charged off, but I have not received a 1099-C ( Cancellation of Debt ) form to indicate the debt was formally forgiven and reported to the IRS.

Despite the lack of a 1099-C, Synchrony Bank continues to report this account as a charge-off on my credit report, negatively impacting my credit. Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide accurate and up-to-date information. If the debt was not canceled, it is unclear why it remains in this status without further communication. 
I believe this reporting is inaccurate and misleading.
Product: Debt collection

I have filed for Bankruptcy- and did what my lawyer said to let them know, since I told them I get called no stop all day and night from XXXX XXXX and Chase- Starts at XXXX and goes on all day. Even on Sunday When i do talk to them they said we can work out a payment plan but I tell them I have no job and no money thats why Im filing-then they tell me you can be put in jail and loose all rights, its got me so upset,
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 reported to be removed/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!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got multiple emails from Affirm saying thanks for applying for credit or things along those lines. They improperly inquired upon my credit report without a legal cause or my authorization and should be investigated for such.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ). 
I kindly request that you block and remove all information related to this incident from my credit report and provide me with an updated copy of the report. 

ADDRESS CONNECT WITH FRAUD ADDED TO MY FTC REPORT : XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXXXXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX, fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Hello I have touched base with Guaranteed Rate to try and get my Year End XXXXXXXX for loan for account # XXXX. Guaranteed Rate were the original lenders and servicers of the loan before passing it on to another bank. I was told the statement will be in my online account. I am assuming this is the same online account as the portal that I used for loan servicing. I am looking for the Year End XXXX. Please provide me my XXXX. 

Thanks XXXX
Product: Credit reporting or other personal consumer reports

I filed XXXX disputes that XXXX account has been satisfied with proof
Product: Credit card or prepaid card

The statement for the period ending XX/XX/2022 shows purchases of {$120.00} and a payment of {$440.00}. That payment was made on XX/XX/XXXX. There is no credit shown for the payment of XX/XX/2022. 

Not disputed : There was in fact a payment transferred from our checking account and into this XXXX XXXX card in the amount of {$440.00} on XX/XX/2022. That makes it a payment from our checking, to one of our credit cards.

Not disputed : The previous months balance was completely paid off. The consumer does not dispute this, and USAA does not dispute this. Therefore this statement is a standalone item in terms of addition and subtration.

Disputed : The mathematics of this statement. A payment of {$440.00} and new purchases of only {$120.00} should be showing that statement with a credit. Instead, it claims that money is due from the cardholder.

USAA has consistently refused to reconcile this credit card account. I have made 4 previous attempts to get this corrected. 

The 1st attempt was completely ignored ; there has never been any response.

The 2nd attempt resulted in a letter from USAA. It said said that the payment ( referenced above ) was correctly made. But made no reference to any credit owing. There is not and was not a dispute about whether that payment came out of our checking account, and went into the credit card account. But the letter was completely unresponsive to the question that was asked.

The 3rd attempt resulted in a letter with boilerplate text, but no USAA member number, no credit card account number, no dollar figures. In short, meaningless and completely unresponsive. It contained no information at all.

The 4th attempt resulted in a phone call. When the conversation got to the point where the girl on the phone stated that the credit card statement referenced above was correct. She did not use actual numbers. No adding or subtracting, not even reading the total purchases or payments. I gave up. Now I am filing this complaint, because going direct to USAA has failed 4 times.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX, XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account under the name  XXXX   XXXX   XXXX  was listed on my credit report in the amount of {$640.00}. I had no knowledge of this account and it was disputed to  Transunion  and  XXXX  on    XXXX   XXXX   . It was removed by both Transunion and  XXXX . It reappeared under another collection agency name  XXXX  in    XXXX   XXXX     . I was never notified by either Transunion or   XXXX   in writing this was being placed back in my credit report. I redisputed the items again with both companies and it was removed for a  XXXX  time on   XXXX   XXXX  . I looked at my credit report today and found that for the  XXXX  time on   XXXX   XXXX   this same collection account was added back to my report under the collector name  XXXX   XXXX . Once again I was never notified in writing after this was deleted that it was going to be added back into my credit file. I have no knowledge of this account and it is illegally being placed back into my file months after it was disputed and removed without my knowledge. As the consumer I should not have to keep filing disputes for this unknown account that was removed over a year and a half ago.