23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

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

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX
Product: Debt collection

This debit collect from Comenity Bank called me at XXXX Az Time on XXXX. Phone # XXXX. When answering I asked who it is calling and she stated Comenity Bank. I advised it is XXXX which violates fedral law. Once I said the she started to scream over me while explaining the law she violated, she than said we will call back and hung up on me.
Product: Credit reporting or other personal consumer reports

They are saying that these accounts are accurate without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifax 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File no. XXXX ) against them for similar violations I request that the CFPB take action to ensure equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

Please see emails between vendor and myself. I canceled and requested a refund. Capital 1 removed charge then applied it bank to my credit card. I made every attempt to contact vendor by email and by phone to cancel and request them to refund my card asap. They never contacted me until I contacted Capital 1. Package was delivered, refused and returned to XXXX. Please see tracking information also regarding vendor received return. Capital 1 sent a letter to me that the charge is being applied back to my responsibility. They also requested further information if I did not agree with their decision. They said I could respond by fax which I tried numerous times. It is a non working fax number which continually rings busy. I called to speak with a supervisor to ask for assistance. She said there was no other fax number available to send documentation. They did send a link to upload my documents which also did not allow screen shots which they recommended I take and upload. After numerous calls an attempts with Capital 1, I had no recourse but to file a complaint, which is what I am doing. I also contacted customer service department at Capital 1 for their fax number, which the representative was kind enough to provide. Faxed over documentation to the ATTN : DISPUTE DEPARTMENT c/o CUSTOMER SERVICE. Please review. Thank you for your help to resolve this matter asap. 
XXXX XXXX XXXX
Product: Checking or savings account

Opened new account in XX/XX/XXXX, deposited XXXX, withdrew XXXX, the next day there was a hold on the remaining XXXX, when asked, I was told my account was closed, no one would tell me why, I moved from the address I gave them, when I called they kept insisting on mailing the balance to this address, well I was told they did and the check was sent back to them, then I was told they would send the check to the bank, this never happened It's been like 3 months and I still haven't got my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an identity theft report to Experian # XXXX. I have been incarcerated for 15 years, and have no knowledge of the fraudulent accounts on my credit file. I will attach proof of my incarceration. An extended fraud alert was placed on my credit file but the fraudulent accounts remain on my credit file. This is a direct violation of my rights as a consumer under FCRA.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reportingaccounts as unverified information without providing any proof within the periodallowed by law. The following accounts need to investigate and correct fromerroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft my information was stolen from XXXX XXXXXXXX and Equifax data breach please remove these fraudulent inquiries please remove from my account. XXXX XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX & XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX F XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Filing a Complaint on Comenity Bank for XXXX XXXX account, set up an arrangement 4 times since XXXX, and they still keep taking money out of MY BANK ACCOUNTS, My Account was put on ACH DEBIT, to debit out every month then they keep calling me since XXXX about account past DUE, and it has not been, I spoke to someone today XXXX XX/XX/XXXX, to discuss ANOTHER Payment and emails stating it is time for a payment. I am not really understanding this ; The person I spoke to today is seeing that they DID NOT DO THE FIRST ARRANGEMENTS, AND THIS ONE THEY ARE TAKING OUT PAYMENTS TWICE A MONTH. Causing my account t be in the negative all the time and overdrafts charges, and I have told the BANK but they are still letting the cedit come through ( XXXX XXXX ) another problem ... As a consumer many is getting tired of being OVER CHARGED, and these bank representatives, not putting in the right information, this world is already in a mess with people 's money and it is hard to make it. My payment were {$40.00} a month then all of sudden they claims it was not taken out and my BANK ACCOUNT shows different, then payments was set up for {$94.00} a month still, was taken out and they called again about NO PAYMENTS ... HOW??? now in XX/XX/XXXX arrangement we made for XXXX for the XXXX of every month bur they took money on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX... Thee Representatives Problems, also if your Bank or Credit Union is told NOT to let the DEBIT comes through and they still do it is THEIR FAULTS and the charges late fees causing your account to have a heavy balance, and IT NEEDS TO STOP, with COMENTY, OR WHOMEVER. 
Thank You XXXX XXXX
Product: Student loan

I have been locked out of my Edfinancial account. When trying to login, it says that my account has been XXXX and when I try to select Contact Us for help, the screen fails to load because the server can not be found.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX USA on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. A Return Receipt was signed and returned. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Obviously I've been a victim of fraud, therefore I have disputed un- authorized inquires to no prevail. The credit reporting agencies, XXXX, XXXX, and Equifax all have took opposition approaches in contradiction to the rules of law stated in the FCRA. It clearly states that when a consumer finds inaccurate information on his / her report and disputes it, them companies are to provide physical documentation or else the so called account shall be removed. However, the above credit reporting agencies investigation only updated my report without physical verification whatsoever. Therefore and rightfully so, I'm requesting for the removal of the following un-authorized inquires to be removed. ( 1 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 2 ) XXXX/XXXX XXXX ( XX/XX/XXXX ), ( 3 ) XXXX XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX ( XX/XX/XXXX ), ( 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 10 ) XXXX XXXX XXXX   ( XX/XX/XXXX ), ( 11 ) XXXX XXXX ( XX/XX/XXXX ), ( 12 ) XXXX XXXX   ( XX/XX/XXXX ), ( 13 ) XXXX/XXXX XXXX ( XX/XX/XXXX ), ( 14 ) XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXXXXXX XXXX XXXXXXXX - Incorrect Name # XXXX : XXXX, XXXXXXXX XXXX - Incorrect Name # XXXX : XXXX XXXX - Correct Name : XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX. Wrong Date of Birth : none My Date of Birth is : XX/XX/XXXX XXXX. Wrong Employers : - Wrong Employers XXXX : XXXX XXXX XXXXXXXX My employers is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Debt collection

collection account was added to credit report and I contacted company to verify if debt was mine and was only sent bill of amount due company was unable to verify my address, phone number.
Product: Money transfer, virtual currency, or money service

I had never heard of MoneyLion until I got a call from my credit unions fraud department ( it was not from my credit union ). An account was created with my information and it can not be deleted. I attempted calling and there is no option to report fraud or talk to an agent. Sent a text as their contact page suggests and still nothing. My XXXX was helpful in that they are changing all of my account numbers, but silence from MoneyLion.
Product: Debt collection

: On XX/XX/XXXX, I mailed a letter to validate a collection that is being reported to the credit bureaus. 
The account was opened with Calvary on XX/XX/XXXX, showing a balance of {$5700.00}. Calvary Port failed to respond to my validation letter. The uploaded attachment is the letter that was mailed.

Cavalry is currently reporting a collection on my credit report, which I would like to resolve as soon as possible in order to rebuild my credit. 
I sent a debt validation letter to Cavalry on XX/XX/XXXX, which they received on XX/XX/XXXX. They responded within the XXXX window, but they did not include any actual validation or proof of the debt. Rather, they simply affirmed their position that I owe them money and let me know that this matter is currently with their lawyers. ( Considering that it would be illegal for Cavalry to sue me for this debt in New York, I am not sure why they felt the need to mention this. ) I would like for this debt to be removed from my credit report.
Product: Debt collection

XXXX XXXX  hired Raush Sturm LLP to collect a debt from me. The account balance was {$2900.00} from XXXX XXXX. This action was taking after I sent my letter for cease and desist on XX/XX/XXXX. However fraud was indeed committed if the debt collector doesn't have first hand knowledge when the transaction between the original creditor and I exchanged information. This credit card company is essentially taking my social secuirty number and charging me a fiancing charge to do the paperwork equal to the amount of credit that was extended. I demand for them to show me the paperwork. I have cited several illegal actions committed. Collections Agency, can not be both purchaser and assignee- Its either one or the other ( Gearing v. Check Brokerage Corp ) 233 F. 3d 469 ( 7th circuit court 2000 ) Misrepresentation by collectors about themselves or the debt are actionable regardless of intent. 
Collections Agency if they do not validate your debt yet continue to pursue collection activity by filing for judgement, call or write you. ( FDCPA Section 809 ( b ) FTC opinion letter CASS from LeFevre ) Collection Ageny if they use any kind of harassment or abuse ( FDCPA Section 806 ) Collector must me in the county which you lived when you signed the original contract for the debt or where you live at the time when they file the lawsuit. ( FDCPA section 811 ( a ) ( 2 ) 15 U.S.Code 1692c Communication in connection with debt collection ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jusrisdiction, a collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) Subject to subsection ( c ) a
ny consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accourdance with the written instructions of the consumer to whom it relates.
Product: Debt collection

I called Sunrise Credit Service on XX/XX/2022 around XXXX XXXX  to inform them that there was a fraudulent collections account that has been place on my credit report by them. This has occurred multiple times in the past 6 months, by various credit services. I had called to alert them to this. The man on the other side of the phone said " I don't have time for games. We are a legitimate service. '' and was hung up on. I have filed a dispute with XXXX about this, where my credit report already has a fraud alert on it. The address that is tied to the account, which also has been on my credit report ( and removed 3+ times already ), does not even exist. It is located in another state as well. 

Additionally, because this account is fraudulent and does not have an associated address with it, I have received no paper correspondence. If I could speak to anyone meaningfully at Sunrise, I would refuse to give them any additional information for fear they will just adjust the information on their end and try to serve me this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a request to all three credit bureaus to have incorrect and inaccurate information removed from my credit report. I sent my request certified to make sure that Experian, XX/XX/XXXXand XX/XX/XXXX would receive it. According to the tracking information provided by XXXX XX/XX/XXXX XXXX tracking # XXXX ) received my request on XX/XX/2020. Experian ( tracking # XXXX XXXX received it XX/XX/2020 and XX/XX/XXXX XXXX tracking # XXXX XXXX received my request on XX/XX/2020. But even though it is confirmed through the postal service that my letter has been received by all three credit bureaus I have not received a response from anyone. There are medical bills, apartment collections, inquiries and other people 's names and addresses that are not mine and that are not valid but they continue to report on my credit file and impact my ability to obtain credit.
Product: Credit card or prepaid card

XXXX by Goldman Sachs GM card - made promotional offer which required one purchase by XX/XX/XXXX, and in return I would receive a {$50.00} credit on my credit card. The purchase was made on XX/XX/XXXX. I have called customer service 6 times since XXXX. After the third call, I started documenting date of the call and person to whom I spoke. On XX/XX/XXXX I spoke with XXXX ... he said he was escalating and gave me a ticket number XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with GM Rewards. XXXX said it should be resolved within 7 business days. On XX/XX/XXXX I spoke with XXXX who told me the same thing, and that she was escalating the complaint. On XX/XX/XXXX I spoke with XXXX at GM Rewards, and again told me the issue is still pending. When I pressed about the length of time ( 5 months! ), she stated that the XXXX statement was not processed correctly, and that they were waiting for " corporate office '' to enter the {$50.00} credit. 

After 5 months, it is obvious that XXXX by Goldman Sachs GM card and/or GM Rewards are failing to honor the promotion offer. I hope you can assist me obtain the {$50.00} credit they offered.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Certified Letter XXXX Debt Validation Letter Account Number:XXXX This letter is sent in response to after I viewed this fraudulent account on my credit profile, I immediately sent a complaint to the CFPB. 
I am requesting that you provide verification of this debt. 

Please send the following information : 1. The name and address of the original creditor, the account number, and the amount owed on the debt.

2. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

3. Details about the age of the debt and the amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

4. Please also note whether this debt is within the statute of limitations and how that was determined.

5. Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Respectfully, XXXX XXXX
Product: Debt collection

PNC bank has been contacted to cease all telephonic communication but has not only continued calling but has started calling others in my family to try and collect the debt.
Product: Credit card or prepaid card

Bank of America Credit card disputed amount. XXXX included a {$30.00} haul away fee in the purchase of a Dishwasher which I charged on my BofA card on XX/XX/XXXX from XXXX 's # XXXX {$530.00}. XXXX 's delivered the dishwasher but did not provide the installation or the haul away service of {$30.00}. I called the store and the number provided by BofA. On three seperate calls, store employees promised the {$30.00} credit. The credit did not show up. After 30 days I went to the BofA website to dispute the amount. I was unable to figure out how to dispute part of the charge. I noted on the website disputed amount of {$30.00}. BofA credited me the total {$530.00}. I called BofA number provided on XX/XX/XXXX, waited for over 35 minutes, talked to XXXX who said she could not help me. She transferred me to a supervisor who she said could help me. She transferred me to a XXXX  language queue that kept me on hold. I hung up. 

I received a letter from BofA dated XX/XX/XXXX confirming the credit for the full amount. I wrote back to BofA to say I only want a {$30.00} credit. I'm waiting for their reply. 

Why is this so hard. No phone response that works, no email access. Why do I need to write a letter to correct XXXX 's and Bank of America 's mistakes. Boo on them.
Product: Credit card

I received an email stating that my credit card was successfully approved and my phone number and address was updated. This credit card was not requested by me. 
The credit card is a Chase Sapphire ( {$18000.00} ).
Product: Payday loan, title loan, or personal loan

During one of my deployments a XXXX XXXX loan was refinanced in my name. I was unaware of this debt until about XX/XX/2017. This account wasnt opened by me but to prevent loss of my clearance I caught the payments up and have been making them in effort to prevent my credit from taking any continued downspiraling. I contacted XXXX to request a goodwill effort to have the late payments removed from this account because I was unaware of the loan and was XXXX when it was opened / refinanced. I have never heard from anyone about this issue. I make the monthly payment on time and digilently did what was necessary to bring it current when I found out this account had been refinanced. XXXX XXXX XXXX is suppose to be a company looking out for servicemembers but instead it seems like a predatory lender. High interest rates and no flexibility to help servicemembers .Where are the benefits for servicemembers on XXXX or protection? I am not asking to discharge the loan only asking for XXXX to remove the negative payment history as i was on XXXX to XXXX when the loan opened and when the late payments occurred. I have made numerous attempts to get help with this by contacting the Customer Advocates, XXXX XXXX and XXXX XXXX only to hear nothing back. In the past I had a good relationship with XXXX and that is the only reason I took responsibility for this loan I did not open.
Product: Debt collection

L J ROSS ASSOCIATES IN Original creditor : XXXX XXXX {$200.00} Balance updated XX/XX/2021 i Never Open any Accounts with This Company This Account Is Fraudulent and its been Reported to my credit report i never open any accounts with this company and they are forcing me to paid them for something i never open with this company also been getting harassment phone calls from this dead collector and also fraudulent phone calls asking me to paid for this account i never open and also this collection account was place on my credit report XXXX and XXXX and requested for the credit reporting agency to dispute this Fraudulent account from my credit file i want for this company to stop harassing me to paid for Disputed With XXXX Disputed with XXXX Identity theft Account From Collection Agency
Product: Debt collection

I have no contract or knowledge of the amount owed. I have tried to contact the company Solar Mosaic several times and they have continued to ignore my request for proof of services rendered.