23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV sold me information to XXXX, and I was trying to buy a car, and this company has had this inaccurate information on my credit report for several years. I paid XXXX to get it off my credit report and it still stayed after XXXX sent me a settlement letter. I contacted LVNV and they stated they sold the account to Resurgent. Resurgent paid for accounts that I do not owe. I do not owe any XXXX XXXX account, and I do not owe any LVNV accounts. 
Now LVNV is stating that I owe XXXX XXXXXXXX for a ten-year-old account in which I do not owe them. This document attached is proof of how fraudulent LVNV.
Product: Credit reporting or other personal consumer reports

As Ive said in another email of the inquiries and the CHARGE-Off Amt. of the inquiries I only know of ONE and I called the thank and told them on either XX/XX/year> or XX/XX/year> I was aware of only of one possible deposit from family in XXXX, I told said bank if it was no good decline it, because the senders were foreign family I rarely talk to. What I dont understand and dont get is I discussed this whole issues with Suntrust multiple times I had NOTHING TO DO WITH THEM LOSING XXXX. They already tried this mess on me before 6 years ago and I paid XXXX out of pocket. I dont even do overdrafts thats how Im figuring XXXX XXXXXXXX. Theyve had me sign an affidavit I think beginning of last year or 2 years ago. Im just exhausted cause all I was trying to do today was secure a an auto loan at a credit union only to find out, they wont even open a personal checking and a savings for me because of this report. Sending all the info. I have on the matter as I said Ive called truist to talk to them about the notices countless times about the fact I did not take XXXX from them and that it was fraud of some sort and I opted to dispute it.
Product: Debt collection

Collection agency Express Recovery Services called my phone on XXXX/XXXX/XXXX. Knowing my rights within 30 days I sent them a certified letter asking for debt verification. I never received a letter within 5 days of original contact as required by law. Nor did I ever receive debt verification. 

On XXXX/XXXX/XXXX I receive a letter from a law office stating they represent Express Recovery services. Again I responded with a certified letter asking for verification of debt. I never received any verification of debt. 

As of XXXX/XXXX/XXXX they attempted to serve me papers for court. Again they have violated Fair debt collection by not verifing the debt at all. They have failed to prove I owe any debt. They have failed to prove they are legally authorized to collect the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my loan was transferred to new lender Fifth Third Bank ( FTB ). XX/XX/XXXX I spoke to a FTB rep and completed a hardship app via phone. During the call I was told I was approved and my payments for XXXX, XXXX, and XXXX would be pushed to the median of my loan XXXX. XX/XX/XXXX. I was informed that although I completed the hardship app via phone that I still needed to complete a written app. During this phone conversation I informed the rep that I already completed app and was told I was approved. XX/XX/XXXX, FTB started reporting negative infractions on my credit report. XX/XX/XXXX, I wrote FTB requesting to review phone call in XX/XX/XXXX of theyre Rep approving me via phone call. During this call I was informed I needed to send in more documents that at no point did they informed me to send. Last XXXX, FTB denied my hardship app stating I didnt turn in paperwork. I sent a letter XX/XX/XXXX requesting their receiving process because I sent in documents certified mail. I continued to write FTB XXXX XXXX XXXX. No response. My last letter I sent I informed them of intent to sue and that due to it being past 30 days without a response, my compliant was valid. I then received a written response back from Presidents office of them finally starting to investigate my situation. In XXXX, FTB presidents office denied my claim stating their reporting is correct. I wrote them again to request them review the recorded call ( XX/XX/XXXX ). XX/XX/XXXX, FTB response to the recorded call that occurred XX/XX/XXXX wasnt a approval. 

FTB is being dishonest to their consumers. I was approved via the call and thn told something completely different. Proceeded need to be updated
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I asked, the U.S. Department of Education to no longer sell my personal information. I, the consumer, have suffered harm and injury due to these companies selling my private consumer information. These companies make claims to protect their consumers, at the same time all of their recent XXXX annual reporting ( under risk ) mention clear violations of U.S. Code title 15, including ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( d ) Limitations on the sharing of account number information for marketing purposes. A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.

15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
I have sent the companies in the mail, documentation stating, " Per the FCRA, as a federally protected consumer, I am now opting out of any and all obligations, written, unwritten, verbal and nonverbal per 15 USC 6802. '' None of the companies have responded via mail and continue to sell my private information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made onXX/XX/XXXX.

I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

I request that you initiate an investigation into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. Please remove the following addresses from my files I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX   XXXX XXXXL, XXXX, GA XXXX I have had issues with my information being sent to these addresses and I do not live at any of these locations. 
My current and only address is : XXXX  XXXX XXXX, XXXX, GA XXXX I Have lived here for over 5 years
Product: Debt collection

Ive been having stuff on my credit report that I keep on reporting and according to 15 USC 1692 c, 15 USC 1681B 18 USC 1028A, you have violated my rights by in lawful communications please remove all collection off of my credit report thank You I will keep reporting all this and repost this to the highest level if this isnt resolved
Product: Debt collection

I tried to pay this off first they said the pay off was like XXXX now its XXXX i keep getting the run around about this being deledted off my account if i pay
Product: Checking or savings account

I closed my savings account last year. I still have not received my final account statement. Banco Popular deactivated my online access to view my electronic statements, but they won't send me the last statement by mail.
Product: Debt collection

There was not appropriate info for me to pick the right reason for the complaint. I have another complaint against this company for the exact same issue. 
This is a debt that was CHARGED OFF XX/XX/2020 and this company Financial Recovery XXXX is now reported it as a NEW RECENT COLLECTION ACCOUNT How does it go from a charge off to a collection account. This is re-aging an account which to my knowledge is illegal. These companies are crooked and constantly selling loans and ruining peoples credit. I know I owe the money and I am willing to settle BUT i am not going to unless they report back to a charge off with the correct charged off date and then I settle the charge off My score has dropped significantly because they reported this as a NEW account. 
How does it go from a right off - charge off to a collection? Its a collection first then a charge off we dont go backwards
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$1200.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX XXXX X {$8200.00} XXXX XXXX {$2900.00} XXXX XXXX {$290.00} XXXX  XXXX {$0.00} XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$950.00} XXXX XXXX XXXX {$23000.00} CHAPTERXXXX BANKRUPTCY DISHCARGED XXXX {$0.00}
Product: Checking or savings account

I disputed a transaction with Chase regarding a service I never received. chase claims they did a a full investigation but I dont agree with it. I purchased tickets to a concert that got cancelled. Chase is not crediting back my account because of rhe merchants false claims and that I need to contact the merchant. I contacted the merchant and they are saying because I disputed with bank that they can not refund me and that its up to the bank to refund me back. They also stated that I did not request a cancellation which I did and showed them the evidence email asking for a refund. Im getting a run around from both companies
Product: Money transfer, virtual currency, or money service

This is for the complaint against XXXX, I used XXXX in XXXX to present, they had no disclosure to make sure money was being transferred to the right parties.
Product: Checking or savings account

On XX/XX/XXXX I used square inc merchant services for my small business to collect a payment from a customer the payment was accepted and then square deactivated my account and kept XXXX and will not tell me why o just want my money this is how I feed my family and keep my business going there is a charge with hundreds of people who the same thing happened to them.
Product: Debt collection

I have tried to contact National Credit Systems about a debt, and did not receive a response. They are unable to provide proof that I owe this debt. Yet, on the XXXX of every month, they are reporting that I owe {$6600.00}. Due to this reporting on my credit monthly, it is hurting my score.
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 XXXX 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous complaint # : XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Method of Verification Certified mail receipt # XXXX Pursuant to 1629 ( g ), I am requesting the method of verification for the following disputed account ( s ) : 1. XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX, # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX # XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. Please forward me an updated credit report after you have completed your investigation and corrections. Your cooperation and prompt attention are greatly appreciated.

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

Capital One charged off my credit card ( account number XXXX ) in the amount of {$3600.00}, but never provided the XXXX. In addition, Capital One already wrote the debt off so they are not able to collect on the debt twice. This is fraudulent. 

Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming that I owe the debt. This is fraudulent.
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX XXXX XXXX XXXX DID A HARD INQUIRY THAT I DID NOT AUTHORIZE FOR AN AUTO LOAN. I REQUESTED THE COMPANY TO REMOVED IT AND WAS TOLD THEY COULD NOT REMOVE IT. ON XX/XX/year>, PURCHASED A CAR WITH XXXX XXXX  AND ONLY APPROVED WITH THAT COMPANY.
Product: Debt collection

I spoke to XXXX XXXX this morning. The account was incorrectly billed to me. They have cleared the balance and collected payment from the correct party. The collection company will not verify this and have reported as unpaid to my credit bureaus. 

The hospital contacted the correct XXXX XXXX and resolved the outstanding balance. It was the hospitals error and it has been corrected on their end. 


XX/XX/XXXX Hospital Encounter at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ServicesProvider : XXXX XXXX XXXX, MDPatient : XXXX XXXX Visit Account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and register a complaint regarding several persistent inaccuracies on my credit report, which include incorrect addresses, charge-offs, and numerous inquiries. These issues have adversely affected my creditworthiness and have not been adequately addressed despite my previous disputes. I have attached a copy of my credit report highlighting the disputed entries for your reference. I want to express my frustration and concern regarding these inaccuracies, which have continued to persist on my credit report despite my best efforts to resolve them. These errors are causing significant harm to my credit history and my ability to access financial opportunities. : Please investigate and correct the multiple inaccurate addresses listed on my credit report, as they do not correspond to my residential history. I dispute the legitimacy and accuracy of the reported charge-offs, and I request a thorough review to rectify any errors in this regard. There appear to be numerous inquiries on my credit report that I did not authorize. I would like these unauthorized inquiries removed from my credit report immediately. I kindly request that you initiate a comprehensive investigation into these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you : XXXX. Verify the accuracy of the addresses listed on my credit report and promptly remove any incorrect ones. 
XXXX Review and rectify the status of charge-offs, removing any inaccuracies. 
Investigate the unauthorized inquiries and remove them from my credit report. 
I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to address these concerns. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. The following items are needs to be removed : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$880.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX Balance : {$2600.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

It has been more than 60 days since I have mailed off a dispute regarding some accounts that are on my consumer reports and I have yet to receive a response from these companies which makes me wonder if they are even doing their job as described by the law. In my dispute is gave these agencies instructions to opt me out of reporting the following nonpublic information from my consumer reports. The accounts are ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Pursuant to 15 U.S. Code 6802 I am revoking any and all authorization I may have given you regarding the reporting of these accounts. This pertains to my right to privacy as a federally protected consumer and I am requesting that this information gets removed immediately as I do not want it there.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XX/XX/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 ( Santander Consumer )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX, XXXX ) along with the Police Report I have filed on my local Police Department. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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