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

15 USC 1681 ( e ) b 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 XXXX XXXX XXXX ADJUST XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I am a victim of identity theft. I already contacted the credit bureaus on XX/XX/2023 and again on XX/XX/2023 through certified mail. However, they sent me an updated credit report stating the accounts have been verified. I need to have these accounts removed they are not mine. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed. 

XXXX : XXXXXXXX XXXX XXXX : XXXX XXXX : XXXX I also submitted my identity theft report from the Federal Trade Commission, and my husband 's police report to the company, and they are still reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to report potential violations of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act concerning an account originally opened with Capital One on XX/XX/XXXX. This account shows a debt of {$610.00} with a stated term of one month, which is inaccurate.

According to **15 U.S. Code 1692c**, if a consumer notifies a debt collector of a dispute regarding a debt, the collector must cease all communications until the debt is validated. Furthermore, under **15 U.S. Code 1692g**, the collector is required to provide written verification of the debt. Additionally, **15 U.S. Code 1681e ( b ) ** mandates that any information reported to credit bureaus must be accurate and complete.

I have attempted to discuss the payment discrepancies with the debt collector, but they had no answers for me. Furthermore, I have noticed discrepancies in the reported payments, specifically an inaccuracy in XX/XX/XXXX, where there is no data provided. This raises concerns about the validity of the debt and compliance with the aforementioned laws.

I request that your office investigate this matter and take the necessary steps to ensure that my rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Bankruptcy on XX/XX/XXXX. However, Experian is still listing companies as debts that appeared in my Bankruptcy such as XXXX XXXX It also listing XXXX XXXX as a closed account when in fact it was paid off by XXXX XXXX in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed in my dispute letter? Technically debt is a twofold word, it is any obligation or an alleged obligation and you can't choose both. Equifax Information Services LLC is basically making it an obligation for me to pay on adebt without my direct consent. I XXXX XXXX the consumer never gave Equifax Information Services LLC any written consent to report anything on my consumer report. No consent is Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Enhanced Recovery Company added a derogatory mark on my credit report per XXXX XXXX, Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, Enhanced Recovery Company has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Checking or savings account

Navy Federal Credit Union froze all 11 of my accounts without any explanation in XX/XX/2018 but stating that I would be contacted within 15 business days. After that waiting period and not having heard anything back from Navy Federal, I  decided to contact them myself. I was informed that my accounts were closed and I would be given a reason in the mail but that I could appeal the decision in branch. I went through with the appeal letter and was told again that I would be contacted within 15 business days. I heard nothing for 3 weeks so decided to phone Navy Federal for an update. I was told my appeal was denied and that I could open another appeal and that the reason of the denial would be received in the mail, by me, within 15 business days! This went on for several months with my accounts being frozen causing a chain reaction of payments being returned with Navy Federal still charging me return fees! Prior to this, I had requested that those payments be stopped to prevent this but to no avail of their own! I held 3 credit cards with Navy Federal that were also frozen. Without any knowledge of the status of my account other than assuming they were closed, I decided to close the credit cards and all accounts myself due to the unprofessional nature of Navy Federal. It has been 4 months without any updates of any kind pertaining to my accounts. My credit score has decreased and loan companies that would pull from my navy federal have closed their doors to me due to not being able to debit my accounts. I operated my business 100 % through my business account and this caused huge problems from me that I am unable to recover from. I was told my credit cards were closed which caused negatives hits against my credit score. The damage is seemingly irreversible and never ending. The level of unprofessionalism is unreal and I can not believe that such a reputable credit union would conduct business in such a way towards its own customers.
Product: Debt collection

Collector advises account was opened XXXX i have no knowledge of the agency nor did i open an account with them- XXXX  has no record of debit owed- XX/XX/17 XXXX made an escalation of this account due to poor celluar service- XXXX operator # XXXX that advised that no further action would need to be taken on our part.
Product: Credit card

XX/XX/year> : I received a {$890.00} Costco annual rewards check from the citi costco card. 
I took the check to the store and they suggested I use the citi costco app and have the money put straight into my account- so I checked the box for this. 
2 weeks later the money had not credited into my citi account and when I looked into it, it explained that the money would go into a linked checking account. I had no account linked, so I connected my checking account on XX/XX/year>. 
The money did not arrive, and when I contacted Citi they told me that I had taken the money into my XXXX account on XX/XX/XXXX. This could not be true, as I did not have an account linked .I complained. 
XX/XX/year> I received a letter stating that the certificate had gone to a bank of my choice. 
XX/XX/year> I called to complain and asked for the case to be resubmitted XX/XX/year> I called and was told that the check may take 2 billing cycles to be reissued XX/XX/year> I called Citi and had a conference call with XXXX XXXX  who confirmed I did not receive the check. 
XX/XX/year> I received a letter stating that my inquiry had been forwarded to the appropriate area. 
XX/XX/year> I called and was told the case was closed so I asked for it to be reopened. 
XX/XX/year> I received a letter saying that the reward certificate had not been incorrectly redeemed. 
XXXX/XXXXXXXX I called and spoke to a supervisor who was very apologetic and stated that my case should be sorted with a reissue of check within 24-48 hours. He confirmed that the date my account was connected to the Citi card was 9 days after the check was redeemed. 
XX/XX/year> I received and email stating that Citi were looking into the case. 
XX/XX/year> I have heard nothing It is apparent to me there was internal fraud. However, the terrible customer service -- each call took about an hour- and the lack of someone to talk to is extremely frustrating. All the promises have come to naught. I still am owed my reward.
Product: Debt collection

I received a bill from the original source XXXX XXXX XXXX account # XXXX. I wrote a letter to them asking for an itemized bill and to please re-submit the claim to XXXX XXXX because I had exceeded my out of pocket expenses for the year. They did neither request. I was then contacted about aq month ago from a woman saying she was collecting a debt. I told her the same information. She asked for personal information to be confirmed because she would be having the company sending me medical information. I received nothing from her or the company. Yesterday I received a letter from Transworld Systems Inc concerning this debt with the amount claimed and the company on it. My wife and I went to buy a car on XX/XX/XXXX/17 and I was told that my credit score had gone from an XXXX to XXXX because of this " debt collection ''. At no time have I refused to pay. I asked that it be submitted to XXXX XXXX again. At no time was I told I was being put in collections. This company XXXX sent me a bill with no explanation. I have never contracted with them for anything and they are paid by XXXX XXXX XXXX XXXX, MO to read XXXXs and XXXX. They then bill the patient for the difference between their full charges and what XXXX pays them. At no time in the process does anyone explain that a patient must pay the hospital, doctor and then another bill for the same service. 

I have had a 40 year history of excellent credit ruined by Transworld Systems because it was easier to ruin my credit than to answer questions or provide information. I would like my credit restored, and for XXXX and XXXX to submit the bill back to XXXX XXXX to be paid. At this point I have been severely punished for something I only wanted them to do their job..
Product: Credit card or prepaid card

Hi, I am complaining about a dispute case I filed with Barclays and the bank 's inability to resolve my disputes after a year despite my repeated calls and report. The amount total is {$1600.00}, which is a huge amount of money! 

I traveled with my Barclays credit card to XXXX in XX/XX/XXXX and my credit card was lost at the airport right before my flight back to XXXX. During my flight back, the following fraudulent transactions appeared on my account. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX CASES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXXXXXX ( This was the only transaction that was solved ) I called Barclays immediately on XX/XX/XXXX after I completed my flight reporting the fraud activities and asked them to dispute these transactions. They have to be fraudulent because I was on a plane when these transactions happened. There was no resolution until now after a year of repeated calls. 

After I called on XX/XX/XXXX, I waited for some time and still didn't see the transactions disputed. To protect my credit score, I paid for my statement balance and hoping they will be returned to me one day. But only 1 transaction was disputed (XX/XX/XXXX XXXX ) afterwards. I don't remember when exactly it was disputed. But the remaining balance is still outstanding. I called in XX/XX/XXXX again and was told to wait for up to 90 days. And on XX/XX/XXXX, when it hits the 90-day mark, I called again and was given a case number XXXX, and then nothing happened. I recently called once again on XX/XX/XXXX, and was given a new case number XXXX. Nothing happened until now. 

I need to get my in total of {$1600.00} back ... please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

simons agency was supposed to remove negative info from credit reports per the CFPB investigation they did not!    XXXX   XXXX  requested they remove and they did not " The original placements provided by our client were submitted in  XXXX   XXXX . Additional placements were sent in  XXXX  and  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX . Each placement was followed by a letter to  XXXX   XXXX  at the address indicated in the complaint. There has not been any returned mail received from these mailings. Each notification letter includes complete instructions on how to submit a dispute regarding the balance due. Additionally, despite multiple attempts to reach  XXXX   XXXX  by phone there has been no positive response to any calls. He is claiming that  XXXX  has refused to accept payment arrangements but the file notes from  XXXX  indicate he would follow up with his insurance. There are no file notes between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  when he disputed his credit report tradelines and Simons confirmed the information to be accurate. As our client has requested the file be closed, the related tradelines will be recalled from  XXXX   XXXX  credit report ''
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against LVNV Funding, LLC for predatory credit score manipulation ( i.e. passive debt reporting, repeated and inconsistent reporting, and/or debt parking ), legal violations, and harassment. Since XX/XX/year>2024, I have repeatedly disputed an alleged debt they continue to report, despite failing to provide the legally required proof of their right to collect or report it. 
Violations Committed by LVNV Funding, LLC : Failure to Validate Debt LVNV Funding has not provided proof of ownership, a signed contract, or a full payment breakdown, violating the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) and Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Credit Score Manipulation They have altered balances monthly, artificially damaging my credit to pressure payment.

Harassment & Evasion Despite ongoing communication, they refuse to resolve the dispute.

Resolution Demands : Cease all reporting of this unverifiable debt. 
Remove the debt from XXXX, XXXX, and XXXX. 
Stop predatory practices of fluctuating balance reports. 
Provide written confirmation of resolution within 5 business days. 
A certified dispute letter has already been sent, and I await their response. However, due to LVNV Fundings ' refusal to comply, I am escalating this matter to the BBB, the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for intervention. If LVNV Funding, LLC fails to act, I will pursue legal action for FCRA and FDCPA violations.

Please investigate and ensure LVNV Funding, LLC, stops its unlawful practices. I appreciate your immediate attention to this matter.
Product: Checking or savings account

Chime bank closed my account for no reason and without notice. And I can't get in touch with customer service. I setup direct deposit for my work, now I can't receive money
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Trans Union LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items 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 creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

ACCOUNT NAME : XXXX XXXX  NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. All reporting needs to cease.
Product: Debt collection

The debt claimed are in accurate and covered by insurance. Refused to resolve. False accusations
Product: Vehicle loan or lease

My identity has been seriously compromised by online identity theft and it has left me with issues unknown and unauthorized by me by me. Prior to that my wallet was stolen and reported so this is a recurring issue. The following accounts are an aftermath of the fraud. I'm demanding that credit reporting agencies remove and block these accounts immediately 1 ) XXXX XXXX XXXX. 2 ) Santander Consumer USA. {$13000.00}. 3 ) XXXX XXXX  {$7200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the  USDOEXXXX partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX  ; XXXX  and Transunion and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

RE : Requesting you Block and Remove Fraud from My Consumer Report I am writing to inform you of a serious situation involving the compromise of my Social Security number, which has led to both an XXXX data breach and identity theft. I have already reported this to the Federal Trade Commission and filed a report, which is referenced as FTC report number ( FTC CASE NUMBER ) and included with this letter. 
In accordance with 15 USC 1681c-2 ( c ) ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information related to this identity theft from my credit report.. This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint containing the following information : Collection Account ( XXXX ) : XXXX XXXX XXXX- {$1500.00} I want to underscore the gravity of this issue and my expectation for a swift and effective resolution. Should your response be inadequate, I will be forced to pursue legal action against your agency, as allowed by law. Please be aware that I will seek damages, including statutory costs, with each violation carrying a statutory fee of {$1000.00}, as specified in 15 USC. 
These violations include : -Defamation of Character - Negligent Enhancement of Identity Fraud - Violations of the Fair Credit Reporting Act - Non-compliance with 15 U.S. Code 1681o ( Civil liability for negligent non-compliance ) - Non-compliance with 15 U.S. Code 1681n ( b ) ( Civil liability for willful non-compliance ) -Failing to comply with 15 USC 1692 ( g ) - Violations of 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) - Non-compliance with 15 U.S.C. 1681i ( 7 ) ( Method of verification ) - Violations of 15 USC 1681a ( 4 ) ( Right to privacy ) -Violations of 15 U.S. Code 1681c ( Requirements relating to information contained in consumer reports ) I am treating this matter with the utmost seriousness and request that you promptly block and remove the fraudulent account from my credit report. I have already provided all necessary information to facilitate this process. Please confirm receipt of this letter and provide a timeline for resolving this issue. Your prompt attention to this matter is greatly appreciated. 
Best wishes, XXXX XXXX