23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, AFNI is engaging in said violations of latter federal statutes. AFNI did not provide within 30 days of their notice of alleged debts, and furthermore do not enclose a date of when this alleged debt occurred. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX. I am enclosing a copy of my account with XXXX and it shows no past due balance, and this collection company is attempting to collect on a debt that does not exist. I am a customer in good standing with XXXX and do not owe any money. Thus I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding CFPB complaint # XXXX and # XXXX, as of today ( XX/XX/2022 ) TRANSUNION still has not provided the forms I have requested in order for them to adequately display they've followed the proper procedures for reinvestigation. 

Transunion has not provided my written and signed ( wet signature ) consent that states that I allowed them to share my information with nonaffiliated third parties. 

They have not provided any written instruction directing them to furnish ANY item on my consumer report whatsoever. 

Remove XXXX and XXXX XXXX accounts that were not properly investigated on and have never had permissible purpose or written instruction to be furnished on my consumer report pursuant to 15 USC 1681b ( a ) ( 2 ). 

XXXX XXXX
Product: Credit reporting 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received info stating that these accounts were verified please send verification of the steps yiu took to verify this information according to15 U.S. Code 1681i - Procedure in case of disputed accuracy 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.15 U.S. Code 1681i - Procedure in case of disputed accuracy for the following accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Product: Debt collection

XXXX XXXX XXXX DEBT Account opened XX/XX/2020 Term 1 month XXXX paid toward amount that Is due Total amount due Is {$800.00} Credit report number is XXXX report via experian Under Collections with Credence Resource Manager ... 
I didn't pay or have any knowledge of this XXXX XXXX XXXX  account opened to have paid any monies to it I indeed did not open such account
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting acct XXXX  account # XXXX has violated my right 15 U.S.C 1681 section 602 A. State I have the right to Privacy 15 U.S.C 1681section 604 A. Section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I've contacted XXXX & they told me I've never missed a payment, yet XXXX refuses to remove me from being listed as late on the account. They told me they send the statements to the wrong address and agreed to update to open/never late. Please adjust accordingly. 

XXXX XXXX .... Date Opened XX/XX/18 Balance {$1200.00}
Product: Checking or savings account

On XX/XX/XXXX I called to file a dispute with XXXX from my acct at USAA. I neve received the merchandise from XXXX and attempted to resolve with XXXX  since XXXX the issues no resolution. I decided to reach out to my bank instead and file dispute. Letters requesting docs were sent but I guess issues with USPS delivery issues I didn't get my letters that requested more info. Temporary credit was reversed. I called USAA on XX/XX/XXXX XXXX because saw funds were taken. Was explained dispute was closed because I didnt sent docs. That day rep send request to reopen case and sent me copies of all communications previously sent. I sent requested inf between XX/XX/XXXX & XX/XX/XXXX thru link on USAA app as instructed during that call. Today I called to fll9w up and rep couldnt locate where docs were sent or case reopened and told me another of the credits related to dispute was gon na be reversed and case close since I didnt sent docs. I uploaded several times the same.docs. One charge came off acct ending in XXXX for {$35.00} and three from XXXX XXXX for {$35.00} & one for XXXX. I dont understand the confusion going on. I am frustrated how this is been handled by all parties including XXXX and XXXX. But my bank USAA really dropped the ball. Besides the fact that my notifications in my inbx are not loading up correctly. I can't see some docs and the fact that I have to call and get them send to me again is also frustrating. Taking back mycredits is creating issues sin I have bills to pay and this cod cause overdraw of my accts if not already happened
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I applied for a Discover credit card near the end of XXXX of this year, 2022 and was sent a denial dated XX/XX/2022 ( violations of 15 USC 1611 and 15 USC 1691 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have Been using Cashapp for some time now. Just recently, while i was out of town, I transferred my unemployment money from my bank to cash app because i couldnt find my bank card. After about of week of having money in my account, i try to go and use my cashapp and my account is randomly closed. I try to contact support and all they tellbme is that I violated their TOS and they have the right to reserve and hold my funds. Its been a week now and Ive tried to get in touch with their customer service to try understand why my account closed and why cant transfer they money from my account. Most of all, i want to know what caused them to close my account because i dont understand how a {$28.00} transaction at XXXX or a XXXX XXXX XXXX ride could set cashapp off to thinking Im trying to commit fraud in my own account. Nobody will answer me, There is no phone number to contact a real person. I have XXXX dollars just sitting in cashapp with no way to retrieve. I really need help in this situation.
Product: Mortgage

XXXX XXXX XXXX and XXXX XXXX XXXX looked at several townhouses and properties with XXXX XXXX of XXXX XXXX in XXXX Alabama in XXXX and applied for a XXXX VA 30 year loan with XXXX XXXX of Regions Financial. They were both very nice real estate people but unfortunately my wife of 25 years and I were fighting during the process and decided not to purchase property at the time. About XXXX I was contacted by a mortgage fraud investigator from Regions Financial so I am describing a possible fraudulent real estate transaction after my wife XXXX XXXX XXXX and XXXX XXXX XXXX looked at several properties but unfortunately decided not to purchase. My US Passport was stolen in XXXX and my Alabama drivers license was stolen in XXXX so I was reporting possible I'd theft or possible mortgage fraud. Thank you
Product: Other financial service

I attempted to contact Navient to discuss my student loan at  XXXX . The person answering the phone presented himself to be a representative of my student loan account and proceeded to ask me to give him information to identify myself to him so that he could look up my account information. I answered his questions with my personal information, including my social security number, and then asked him to identify himself to me again. The line went silent for a few seconds and then he began to ask me further questions. I asked him again to identify himself and asked if he was in fact a Navient representative and the line went silent and then he hung up on me. I have been receiving multiple calls from numbers claiming to be  XXXX   XXXX   XXXX   XXXX   XXXX .
Product: Credit card

On XX/XX/2023 I placed an order with a customer service representative at XXXX XXXX for XXXX XXXX Jacket XXXX and the price was {$79.00} and the total price was {$100.00} but I received a message card company that the transaction was unsuccessful and for me to contact the merchant but, when I called back they were closed. They charged me {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Has as 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is an accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  Credit Bureau is reporting inaccurate information on CITI ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. You are condoning illegal behavior and the bureaus are willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was notified that I elected to opt-out and I don't provide them authorization to report my mortgage to credit bureau . They received a payment each month for a debt they have failed to validate. They received funds via 1099a that IRS approved. They still have not credit the account. I included bank confirmation for each payment for XXXX to XX/XX/year> for which they said 3 months were not paid. 

I also want my asset back security that is being hold by XXXX XXXX  to be sold and the funds to be transferred to my personal XXXX  account. 

They have sent notification stating they were investigate the account and was expected to have complete In XXXX but was delayed to XXXX. However, they have not pause their payment due to a billing error. 
18 USC 1025 - lying, fraud, etc regarding any instrument, promissory note, etc. 
18 USC 1348 - fraudulently getting money from transfer of an instrument or security 12 USC 504 - breaking fiduciary duties- $ XXXX {>= $1,000,000} A DAY penalty ( this one has a multi-tiered system and the charge should be specific )
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Transunion about a false pubic record on my report. This was some bankruptcy that was not mine. I was a recent victim of ID theft and have placed security freezes on my XXXX XXXX and other data information companies until I resolve this matter. TUC states they " Verified as accurate '' this bankruptcy when in fact they DID NOTHING. The court this was filed in can not and will not release information to any 3rd parties. These is a freeze on my information and they did not obtain anything from XXXX XXXX and others. They have LIED and violated FCRA by stating they verified something when they did nothing and received nothing. These companies simply send out letters and NEVER actually investigate. Under FCRA THEY MUST VERIFY BY DOCUMENTATION. I requested they provide it and they can not. This false information is harming my chances of getting employment. As such I am suffering financial injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to address a significant issue regarding inaccuracies in my credit report. Upon recent review, I discovered several instances of incorrectly reported late payments on my accounts, which I would like to dispute. I kindly request your immediate assistance in correcting or removing these inaccuracies from my credit report.Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are due to an error and require your immediate intervention for rectification. The company associated with these accounts have confirmed the errors during my telephone conversations with them and assured me of their commitment to correcting my accounts. 

Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. If you require any supporting documents or additional information to expedite this process, please let me know. 

XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Incorrect Personal Information XXXX XXXX XXXX XXXX Incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect addresses XXXX - Incorrect Date of Birth
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 

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

At some point all three credit reporting agencies should stop blocking me from getting what the federal government is guaranteeing the US consumer. And that is weekly annual credit reports from XXXX, Transunion and XXXX. All three are still restricting us access to get the Free Annual Credit Reports. This has been going on for awhile, and it is being allowed to keep us from seeing how our credit scores are being suppressed. Now we have a perfect paying history, no late or missed payments on any of our accounts. No negatives or anything that could negatively impact our credit scores, yet my Transunion score is XXXX and my XXXX credit score is XXXX. My XXXX is XXXX and that is because XXXX limits their third part access into the consumer credit data. 

The goal is to keep our score low and make our accounts XXXX. 

We have been disputing this and all three credit bureaus have been consistent to NOT CORRECTING these intentional errors
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX, XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX Bank XXXX. No : XXXX clearly suggest conflicting information of 1. HIgh Balance, 2.Last activity, 3. Date opened and 4.. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX XXXX Equifax High Balance {$3500.00} XXXX {$3500.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Credit card or prepaid card

On XX/XX/XXXX my discover card was charged XXXX dollars by XXXX. Estimated delivery was for XXXX. I ordered 2 scooters, 2 mirrors,2 cell phone holders and 2 bags. In XXXX I initiated a dispute because I could not reach the seller about the delay. I received 2 cellphone holders valued at XXXX dollars. I received nothing else. Was contacted in XXXX by discover saying that they closed the case and considered it a valid charge. I finally got a response from seller stating that I am no longer on the delivery list because I disputed the charge and to contact my bank if I am confused about the refund. I sent this information to discover and it been two weeks and have not got a response. I used this card to protect myself in case of a bad purchase. I did not receive my items and discover has not resolved my problem. XXXX is denying responsibility and the seller had admitted I am off the list for delivery. I am requesting that discover reverse the charge. All documents supporting this have been sent to discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, WAKEFIELD AND ASSOCIATES ( Opened XXXX. XXXX, 2020 ) add a derogatory mark on my credit reports. WAKEFIELD AND ASSOCIATES did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Debt collection

This company placed a collection on my credit report and I received an alert. I do not have nor have I ever had any business with this organization. This account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EXPERIAN, XXXX AND XXXX CONTINUE TO REPORT MY BANKRUPTY INACCURATE AFTER THEY SAID IT WAS VERIFY. I SENT THEM THE COURT REPORT TO SHOW THEM IT WAS REPORTING INACCURATE I HAVE FILE SEVERAL DISPUTES WITH THEM XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 ,XX/XX/2019 WITH XXXX