23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a Affidavit of fact is Pursuant to 15 USC 1692 ( g ) on XXXX XXXX a Debt validation letter of request was sent to Acima Credit FKA XXXX as of today XX/XX/21 Acima has not responed after speaking to me it has been over 30 days and Acima has not ceased and their action to collect on a debt not owed. As i have requested validation and Acima has still not provided.
Product: Debt collection

I don't recall having a contractual relationship with this collection company CREDIT CORP SOLUTIONS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$9400.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX Principles ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting. 
CAPITAL XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX XXXX Code XXXX - Procedure in case of disputed accuracy XXXX XXXX INT Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CARD Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX FCU Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting

Equifax has an account ( XXXX ) listed on my consumer report that is derogatory. The account has been closed for over 8 and a half years and they refuse to remove it from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT RESPONSE- I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX ( This Collection Is Not My Account ) ID theft ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX XXXX XXXX XXXX - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date XX/XX/2021 ( SEE ATTACHMENTS - POLICE REPORT-ID THEFT- FRAUD ALERT )
Product: Mortgage

I received a call from Quicken Loans about refinancing my loan. I mentioned to Quicken that I had not inquired about refinancing but planned to refinance at a latter date ( 60-90 days later ). After explaining that I did not require refinancing at this time, Quicken loans followed up with a letter to me dated XX/XX/2020 explaining why they are unable to offer me financing at this time and referred to a reason why : * Collateral : Does not meet seasoning requirements. 

Quicken loans failed to mention that I never sought a refinancing and I should not have on record that they were unable to refinance my loan since I never sought any refinancing. 

When I asked them to restate this letter since it is a false representation of our conversation, they refused stating they are required to do so in order to be in compliance. 

Thus, when I am asked if I have ever been denied financing, I will be required to say that I have been denied - even though i NEVER sought financing. 

I seek your help in remedying this falsehood, the over interpretation of the compliance regulations and to stop these actions by the lenders from promulgating false requests for loans.
Product: Checking or savings account

I opened a business checking account at Bank of America before XX/XX/2018. When I opened the account I used a bonus offer by Bank of America for Business Advantage Checking Accounts. ( See attachments. ) To earn the initial {$1000.00} dollar bonus. I had to open a business Advantage Checking account and deposit at least {$50000.00} in the first 90 days and open and spend at least {$2000.00} dollars on a small business credit card. I did both of these things ; however Bank of America is refusing to honor their offered bonus. My Bank of America banker has told me in email that I successfully completed all the requirements for the offered {$1000.00} dollar bonus.
Product: Money transfer, virtual currency, or money service

I'm 24hrs post XXXX  for XXXX XXXX. Received a call from someone claiming to be with XXXX telling me my power was about to be disconnected for failing to pay for a new utility box because the other had gone bad. Transfered on XXXX @ XXXX {$240.00} from my XXXX  XXXX XXXX zelle account to XXXX. Once I understood I was being scammed. I hung up, but I was too late. 
I then called XXXX  XXXX XXXX to dispute the charge and was told that since it had been received thru zelle I likely wouldn't be getting the money back. 
I then called zelle and was told that I had to go thru XXXX  of XXXX to file a report. So you know, a great XXXX XXXX  of no help.
Product: Credit card or prepaid card

On XX/XX/2020, I decided to purchase a NordicTrack XXXX treadmill from Best Buy for {$3900.00}. I noticed that there was an offer almost matching XXXX and decided to purchase from Best Buy as I enjoy doing business with them ( until now ). I  followed their instructions to sign up for a Best Buy Credit Card, got approved, and executed the order with " 24 month 0 % financing '' option chosen. 
Immediately after the order was processed, I received an email saying there was a " problem with my payment authorization ''. I could not reach anyone via Chat to help me so I decided to call on the next day. 

XX/XX/2020 -- I called into the Best Buy help line, they redirected me to what I believe is Best Buy Card Services. Card Services told me 'let us help '. They told me " oh, your credit limit is only {$1000.00} '' which is completely non-sense as I have a XXXX credit score and extremely healthy finances. They told me the only way to make this work is a credit limit increase and they would do that now and get back to me. Nope, no credit limit increase was granted SHOCKINGLY, and so here I am with a hard hit on my credit at least once for a credit card I never wanted, that was only signed up for to fulfill a 24 month 0 % financing offer that doesn't even exist. 

This is outrageous. Best Buy should be ashamed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know this request is unusual, but it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time. The late payment ( s ) is reported to Experian and XXXX, and I am requesting the removal of these late payments, as it has been reported to the Bureaus.
Product: Vehicle loan or lease

I got a loan from them with inflated principle balance because of the APR of 22 %. I was not able to keep up my payments and eventually vehicle was repossessed. The repossession is being on my credit report ; when this was a predartory loan from the beginning.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried to send a wire transfer from my Truist Business account for my XXXX XXXX XXXXXXXX ( which I am the only owner/member of ) to my personal account. It was only for {$100.00} and the reason I elected to send a wire was because I dont have the accounts linked and linking them for a transfer would have taken a couple days and I needed the {$100.00} right away for a personal expense. 

I got an email from Truist saying wire came back rejected for fraud. Right after, my account was locked. I called and they said they cant give me any information AT ALL, and that I had to go into a branch. I rushed to a branch and the lady was super helpful. She said in the notes it looked like they just wanted to verify I was the true owner of the personal account I was trying to send to, and all they would need to unlock it was a statement. I immediately logged into my personal banking app and provided this. She called and we were hoping to get it unlocked. When she called they told her that regardless of what the note says, they dont need the statement and that they have to conduct their own investigation which will take XXXX days. There is also NO direct number for the department conducting this investigation. I cant get transferred to them, the Truist employee at the bank cant even talk to them and NO one can give me any information. Ive received no correspondence from Truist. The lady at the branch was sympathetic and I left distraught. 

XXXX at a loss because ALL my operating funds for my business are in that account. I cant believe they locked my account over an {$100.00} wire to XXXX. XXXX at a loss and dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2022 - XX/XX/2022 CAPITAL ONE has been in violation of federal laws by adding late payments on an unexplained adverse action of the account. CAPITAL ONE closed the account and then begin reporting late payments which is a violation OF FCRA. ALL balances and late payments that has been reported are inaccurate information. Also, they have recently placed the account in charge off status but is reporting a balance which is a violation. According to IRS PUBLICATION charge offs are considered as income and income is to not be reported on my credit report. CAPITAL ONE is also reporting a business account on my credit report which I do not give consent for them to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX service # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX Transunion  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} # XXXX XXXX XXXX XXXX XXXX {$380.00} # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Opened : XX/XX/2016 ( 1 yr, 3 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX I just have no idea of this account.
Product: Debt collection

Portfolio Recovery Associates harassment. Not sure of the debt. I have heard horrible stories about this company so I want to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter in onXX/XX/XXXX and didn't get a response, i sent in another lettere onXX/XX/XXXX and still nothing. its not been over 30 days and i demand removal of the negative items that are defamation of my character
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported never receiving payments my account was on autopay. After my XXXX was sold I had no way to access this card company account because it was XXXX only platform. I was not aware the card was being used and to my knowledge I had erased my information. From the XXXX however XXXXXXXX XXXX calls me every day with new balances owed. The auto payments were taken out of my account but I somehow have a new balance of {$800.00} after disputing charges I wasnt able to access or see and talking to them the balance was at {$0.00} and closed. Now theyre reporting past due balance!
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have 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. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im requesting a claim for my zelle being misuse and abuse and not informing me of all the risk and scams that can happen/ has happened
Product: Credit reporting, credit repair services, or other personal consumer reports

I first checked the Equifax breach information right after the breach happened and was told that my information was NOT part of the data that may have been compromised. That was in XX/XX/2017. I had received several letters of declined credit cards and acceptance for financial products/services ie credit card and online credit for retail products online. I contacted Equifax and they asked a bunch of security questions about some very detailed information that I did not have. It took me hours to get someone to just listen to the questions I was asking and it took three different calls to get them to place a hold on my account and to let me know I had that hold on the account. They also suggested that I purchase one of their other services when I was online trying to do this and I do not want to do business with them, I just want them to listen and help me straighten this situation out.
Product: Debt collection

I am writing to file a formal complaint regarding the inaccurate reporting of late accounts on my credit report. It has come to my attention that there are multiple instances of late payments listed that are not reflective of my payment history and are in violation of the Fair Credit Reporting Act. It is imperative that these inaccuracies be rectified promptly to ensure compliance with the law and to uphold the integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I mailed my rent check to my landlord every end of the month. I dropped this in a mailbox near my apartment. ( Not sure where it was stolen ). 

On XXXX XXXX my checked was cashed. I DID NOT realize that my landlord didn't receive my payment until I got my statement on XX/XX/XXXX. I immediately called bank and they asked me to go to a branch and file an Affidavit of Forgery ( which I did on XX/XX/XXXX ). I called their customer service to follow-up and was told to go to a branch where I filed my Affidavit of Forgery since they do not have access to this. 
I went on XX/XX/XXXX to follow-up and nothing. I receive a mail from TD Bank XX/XX/XXXX stating their there is no adjustment necessary to my account. I then returned to the branch to complain about this. I was told that this is being requested again?!!! 

I need to pay my landlord asap and I don't know what to do next. 

Please HELP!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX
Product: Student loan

Student loan has been forgiven years ago then It keeps being reopened several times. I had a deferment and forgiveness because of XXXX but keeps popping up. Also believe I am a victim of identity theft. Several items on report that come from other States and especially Texas where some relatives I have live. Been going on for years. ( Different discrepancies to my credit report )
Product: Credit card

My Best Buy credit card ( issued by CITI ) has been used for fraudulent purposes several times. Each time Best Buy/CITI has cancelled the card and started an investigation ( XXXX investigation of XXXX charges, totaling over {$2000.00}, is currently ongoing ). However, I do not think that Best Buy or CITI are adequately protecting my credit information/name/SS # and other identifying information. I think that CFPB should really step in and investigate Best Buy and CITI and their practices in collecting, storing, and protecting people 's identifying information.
Product: Debt collection

I have never had an account with this company RESURGENT/LVNV FUNDING REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are RESURGENT /LVNV FUNDING the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.