23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a a follow-up response to the following case number : XXXX. 


In regard to the response that the company responded with ( filled with falsehoods ), this person responding is not accurate and in the response, and is stating out-and-out lies. This organization has in fact, contacted me NUMEROUS times ( 6 times -- and the 1st conversation was recorded from my end, and the other 5 times I have copies of the message that was left ). I stated from the first conversation that I DID NOT WANT TO BE CONTACTED BY TELEPHONE OR AT MY JOB BY TELEPHONE ... .I also clearly stated THAT I WANTED VERIFICATION AND A PAPER DOCUMENT MAILED TO ME ... this XXXX XXXX responded " Why -- why do you need that?! I can email you something. '' However, no email was ever received. And according to the FDCPA, a verification must be sent by mail after the initial telephone contact. This person has contacted my distant relatives ( they have already filed a notarized statement for my attorney ) that clearly demonstrates they were contacted AFTER this disreputable company knew exactly where I lived and how to contact me. They were just calling distant relatives to intimidate and scare me. Finally, I HAVE RECORDINGS WHERE THESE BOTTOM FEEDERS imply legal action and such from the courthouse .... 

I will be pursuing this to the criminal and civil extent that I can. I am also in contact with ( 3 ) other parties who have been victimized by this disreputable company -- I found these other parties on other blogs complaining about this company and I reached out to them. UCRB better be prepared to be sued for the fullest extent that we are able. I have had enough. By the way, to date, I have received no email and no postal mail from UCRB validating the debt. I have indeed sent a CEASE and DESIST Letter and a Validation Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the website XXXX XXXX XXXX to lock my transunion credit report. The site directed me through multiple links, none of which advised of a fee, to follow to lock my credit report. After inputting my personal information, the site would not proceed with the lock without my credit card number, which I provided. No fee was advertised so I thought it was part of the identity verification process. I was immediately charged a fee of {$29.00}. I called their customer service number and was told that this fee was for receiving the three credit reports, which I did not ask for and was not advised of a fee since I know we can get those online for free each year. Transunion refuses to refund the fee even though it was obtained through false and misleading advertising.
Product: Debt collection

The collection rep assigned to my account threatened to send faxed documents to my employers and ensure I pay them. Keep in mind I attempted to notify the rep she was threatening me on a recorded phone line. I have email receipts showing twice were an incorrect zip code is still being entered on their part and XXXX continues to contact a phone number that they have NO AUTHORIZATION to call!!!! I have an email confirming the incorrect zip code was entered again! I also have an email confirmation from my employer reflecting the same issue!
Product: Debt collection

I login my credit I find some items on my credit report thats not mine CREDENCE RESOURCE MANAGE Last reported XX/XX/2022 {$10000.00} Open balance XXXX XXXX XXXX  Original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion Continue to List a XXXX Credit Card that was CHARGED OFF 7 Years ago for a Balance Amount that was {$240.00}, Because of FEES ; this was a SECURED {$500.00} Card with XXXX  that I CLOSED and asked that they pay off the Balance with Secured Amount- which they did MONTHS LATER- after Charging Fees, then CHARGED OFF the Account. There was a Balance because I did not receive a REFUND from XXXX when I moved across country. 
In XX/XX/XXXX, XXXX XXXX  STOLE Money from My Savings Account- and sent me a letter " Thank you for your payment '' ; they took funds to " Pay Off '' the Account they had CHARGED OFF Years ago- and NOW is Re-Aged as NEGATIVE ... 
I should not be penalized for 14 years for a SECURED Credit Card that XXXX mishandled. They have their money. 
I have US Mailed, and also Attached the Documentation to Web Disputes on MULTIPLE OCCASIONS- XXXX  & TransUnion REFUSE to allow a NEW Dispute- and CONTINUE to Report this Account- NOW Re-Aging and Reporting as " Last Payment '' in XXXX. 
This Account was CHARGED OFF 7 Years ago- and they have the DATES Wrong- and they choose to put 120+ in XXXX of XXXX when the " First Delinquency '' as per XXXX XXXX  at the TIME was XXXX XXXX. AND it was CHARGED OFF in XXXX. 
This is XXXX XXXX  Card ending in XXXX. 
I have a Letter Dated XX/XX/XXXX FROM XXXX- stating that " account not open during requested time period ''. 
XXXX had maintained a {$5.00} Balance in my Savings Account- for Years- and only TOOK the Money for Credit Card AFTER they had applied the SECURED AMOUNT to the Card in XXXX, and AFTER they had Charged FEES, and then AFTER I had added to my Savings Account in XXXX.
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

Fraudulent items that need to be deleted : XXXX ACCT XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$150.00} XXXX XXXX XXXX  ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$470.00} XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$840.00} XXXX XXXX  ACCT # XXXX- OPENED XX/XX/XXXX AMOUNT {$450.00} BANKRUPTCY US DIST CT DISCHARGED XXXX XX/XX/XXXX FRAUDULENT HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX my concern is that why is my credit score so low and my income even my income taxes that as an adult I have no mortgage loan originator or rental history or Job as a woman that has put me in a position to be self sufficient or secure in employment. I was recently told by unemployment that I did not make enough money in a quarter of {$8500.00} to get unemployment benefits and unemployment told me to apply for XXXX XXXX and the company I last worked for told me that I can get welfare who does that. I have not been able to even get anything to build my credit score according to XXXX and I put a fraud alert on my account because I was afraid that the mailing address I am using will get credit for me using this address, because I have been trying to get a place on my own as a woman and had to sleep on couches, in people 's cars, in train stations with drug attics and shelters with mental problems and not eligible for these welfare programs but told by XXXX XXXX that I can work and get food stamps as an individual even with my children.Its sad.
Product: Credit reporting or other personal consumer reports

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

Someone hacked my account and deposited ficticious checks via mobile deposit. They then were able to access my accountvand transfer the money to XXXX  and XXXX  it an outside account with bitcoin. And of course i got the blame for identity theft. They have scared my name on the XXXX I have a police report in this matter from another bank where the same thing happend except this time it went through XXXX XXXX  Someone got all my passwords and logins for everything. Now i need to clear my name. Would like this negative info removed from XXXX.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the breach. I want these Items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was a victim of this data breach and XXXX has donenothing. Please help me delete these illegal accounts from my credit report. List all those negative accounts from your XXXX credit reports.
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. Account name : 1XXXX 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 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 reporting or other personal consumer reports

This company is reporting inaccurate information on this capital one account. This account is in litigation and this company has also been sued by the cfpb. 
Misled consumers about high interest accounts : Capital One illegally deceived consumers and Capital One, N.A. violated the Truth in Savings Act by representing that XXXX XXXX provided a variable interest rate that was one of the nations top, best, '' and highest, and would earn much more interest than the average savings account. 
Kept consumers in the dark to maintain a two-tier system : Capital One misrepresented to existing customers that its XXXX Savings account was and would be its only XXXX high-interest savings product with the features, terms, and conditions of XXXX Savings and obscured from those customers its newer, much-higher-interest XXXX Performance Savings accounts, which otherwise had all the same terms, conditions, and features of XXXX Savings. Capital One used XXXX Performance Savings to attract new depositors without paying existing depositors the interest they were promised. Capital One avoided paying more than {$2.00} XXXX in additional interest to millions of customers because of these actions. 
Enforcement Action Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the Truth in Savings Act. It also has the authority to enforce the Consumer Financial Protection Acts prohibitions on unfair, deceptive, or abusive acts or practices. The CFPB seeks to stop Capital Ones unlawful conduct, provide redress for harmed consumers, and impose civil money penalties, which would be paid into the CFPBs victims relief fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the letter I mailed to XXXX, Experian, and XXXX XXXX on XXXX XXXX, requesting a credit investigations. To date, they have yet to respond. They are supposed to respond inside of 30 days.
Product: Credit reporting or other personal consumer reports

XX/XX/year>2023 I file a complaint for the unlawful charge of {$410.00} from a debt collection to be removed but was told by Experian that it was accurate and therefore stayed on my account.
Product: Credit reporting or other personal consumer reports

Hello, I got an alert from XXXX XXXX ( XXXX XXXX ) that my social security number was used on the dark web several times. I put a credit freeze on my account at the 3 credit reporting bureaus today, XX/XX/year>. 

I pulled my credit report with XXXX XXXX and found all these discrepancies on my report ( see attached document below for the full list of inquiries ). 

I have never applied to any of the promotional companies listed in the attached documents.
Product: Credit reporting or other personal consumer reports

Date TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Credit Report Errors Dear TransUnion Dispute Department, I am writing to formally dispute the inaccuracies on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Specifically, I bring the following issues to your attention : Unresolved Identity Theft Report : On XXXX XXXX, I provided TransUnion with a copy of an Identity Theft Report filed with the FTC, as well as supporting documentation, requesting the removal of fraudulent accounts from my credit report. Despite your acknowledgment of this report, these fraudulent accounts remain on my report in clear violation of FCRA guidelines under XXXX XXXX. XXXX. 

Inconsistent Reporting and Deletion Confirmation : On XX/XX/XXXX and XX/XX/XXXX, I received correspondence from TransUnion confirming the deletion of certain accounts and inquiries. However, upon reviewing my credit report dated XX/XX/XXXX, these accounts and inquiries are still listed. This inconsistency demonstrates either a processing error or willful non-compliance with FCRA obligations to ensure accurate and timely updates to consumer reports. 

Bankruptcy Information Misreporting : TransUnion has stated that it verified and validated bankruptcy information as accurate. However, I have obtained a letter from the U.S. Bankruptcy Court confirming that it does not provide data to any credit reporting agencies. This misrepresentation is a direct violation of the FCRA under XXXX XXXX XXXX XXXX XXXX XXXX, which requires credit bureaus to follow reasonable procedures to ensure maximum accuracy. 

I have attached copies of the following for your reference : FTC Identity Theft Report U.S. Bankruptcy XXXX Letter Correspondence from TransUnion confirming deletions Please investigate this matter and provide me with a written response as required by the FCRA.
Product: Payday loan, title loan, or personal loan

On XX/XX/2017 I, as a result of a desperate situation, took out an installment loan for {$2000.00} with XXXX XXXX ( Rosebud Lending XXXX ). This company touts itself as a tribal lender of the XXXX XXXX XXXX of the XXXX XXXX XXXX  of South Dakota. Since taking out this loan, I have made 24 payments of {$160.00} for a total paid of {$4000.00}. To date they are showing that I still have a principal balance of {$1800.00}. It has come to my attention that this may, in fact, not be a legal loan in the State of Minnesota ( my state of residence ). These payment have increasingly become a hardship for me and it is very demoralizing to see so little of the balance actually being whittled away. As I understand it, Minnesota caps interest rates on internet installment loans at 31-33 %. It is my contention that I have already paid the principal of this loan, as well as paying well beyond the interest rate cap outlined by the State of Minnesota. I should also add, that I have twice sent correspondence to XXXX XXXX concerning this issue and have yet to receive any sort of response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been investigated and previously removed from my credit report, still the are kept in my credit file. 

These accounts are fraudulent accounts on which the creditor did not comply with the Fair Debt Collection Laws by notifying me and providing means for payment or clarification as for the accounts details. 

These are account are the followings : 1. XXXX XXXX XXXX | XXXX : Original Creditor XXXX   XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$500.00} 2. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX   XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$650.00} 3. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$4100.00} 4.  XXXX XXXX XXXX | XXXX : Account Owner Individual Account. Original Creditor XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX, Balance Owned {$800.00} I request intimidate action on investigating and removing these accounts from my credit file.
Product: Credit reporting or other personal consumer reports

CBE GROUP INC " FORMERLY XXXX '' has a debt from a utility on my account that does not belong to me.Years ago i paid this illegitame debt so that it would be removed from my report. I have requested multiuple times that they remove the debt from my credit report to no response from company. The data from the collection doesnt even match at the diffrent credit agencies.
Product: Debt collection

The cosigner just informed me that he received many communications from Navient /XXXX pressuring him to pay this debt. 

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Sat, XX/XX/2019 at XXXX XXXX  Subject : Re : Payment Due To : XXXX, XXXX, XXXX XXXX XXXX Dear XXXX, Thank you for your correspondence . 

I already delivered a message to you/XXXX XXXX to put this loan in extended forbearance, regardless of your argumentation /promissory note ... pending int'l trial. It is the school that has to refund/ repay. 

The U.S Government ( loans/grants ), XXXX Government ( loans/grants ), and even XXXX ( private loan ), whose combined investment represents nearly 98 % of the total finance, are cooperating with me, allowing XXXX court time to find a solution .... 

Why not XXXX XXXX/Navient? 

Regards XXXX See attachments
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section XXXX of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to 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 XXXX XXXX XXXX XXXX XXXX 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

These acounts and inquiries were found on my credit report : Accounts : Worker 's XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX Bank {$1100.00} XX/XX/XXXX XXXX Bank XXXX {$570.00} XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This illegal collection agency stayed in one of their responses they were going to treat their lack of prior notification required by regulation, F as a dispute, and they were going to mail that dispute information to an address on XXXX XXXX. I responded to their response and told them that was not my address. Apparently according to them thats where they sent the information anyway even though they were told that is not my address. Theyve already admitted they did not send the initial disclosure notice as required by the fdcpa and now theyre admitting theyre sending information to an address and it doesnt belong to me because theyve been told Im no longer at that address.. I have reached out to the individual that is now living there. If they receive anything from this company, it will be returned to them certified mail. She is then going to send me proof that its been returned.. once I receive that proof, I will give this company 45 days to remove their illegal collection from my credit file or Im going to sue them and Im going to use all of their responses here against them in court. They have been told multiple times the address they have on file does not belong to me. They have admitted to never sending an initial disclosure. They just dont care. Not only will I be suing them, but I will be suing their client as well. Ive already got 20 people that theyve done this to, were going to file a class action lawsuit.