23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting me as 30 days past due on the XXXX XXXX account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I was buying a car when the dealership told me I had a low credit score due to late payments on CHASE credit cards. In contacting both the credit bureaus and CHASE I have discovered two accounts were fraudulently opened, but have since been closed with dates unknown. The following are the alledged accounts ending : # 1 Falsely Alleged CHASE Acct. # : XXXX # 2 Falsely Alleged CHASE Acct. # XXXX I have filed a police report and completed an FTC Affidavit.
Product: Debt collection

As a federally protected consumer, I am highly disappointed and unsatisfied with Resurgent Capital Services. My name is XXXX XXXX and I am making this complaint against Resurgent Capital Services for committing identity theft. I have no recollection of authorizing or giving Resurgent Capital Services any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with Resurgent Capital Services. As of XXXX XXXX, 2022, I have not received any documentary evidence, such as a trilateral contract, giving Resurgent Capital Services any right to collect on this alleged debt. I have also never received any documentation requesting validation from Resurgent Capital Services before they decided to commit multiple federal violations under the Fair Debt Collection Practices Act. Attached you will also find correspondence from XXXX XXXX XXXX, whom you chose to buy this alleged debt from, notifying me that I AM NOT RESPONSIBLE FOR THE ACCOUNT BECAUSE IT WAS A RESULT OF IDENTITY THEFT. SEE EXHIBIT A. If Resurgent Capital Services can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, this has been a fraudulently and unauthorized account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until Resurgent Capital Services can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. If Resurgent Capital Services continues its collection efforts, I will file for arbitration and Resurgent Capital Services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card or prepaid card

have an XXXX XXXX card and my payments are on the XXXX of each month, and by mistake I made two payments last month on the XXXX and XXXX of {$1000.00} each, when I realized I called them and they say that the return process A payment takes more than a week and today it is 2 weeks and they do not return my money, and I made two purchases and they have already been deducted and my payment for the following month is also deducted, I think it is not correct, they just charge a fee if you spend a day quickly they should process the refund of my money quickly and wait for the day of my next payment for me to do it and not for them to charge it directly
Product: Debt collection

In XXXX, due to rough life circumstances, I had a van repossessed. In XXXX, a collection agency by the name of XXXX, XXXXXXXX XXXX XXXX contacted me about a debt that was turned over to them by XXXX XXXX XXXX for said van. Mr XXXX XXXX ( who conveniently no longer works for XXXX, XXXXXXXX XXXX XXXX ) offered me a settlement to get this debt paid and cleared off my credit and I have the settlement letter I was sent. I agreed to the offer and began to make the monthly payment we agreed upon. After about 6 to 8 of  making on time payments, Mr XXXX called me back and said if I would just pay 4 lump sum payments totaling {$1000.00}, they would consider my debt paid in full. I sacrificed to make those payments but I did, and I also have the letter that states I made my payments in full, on time, and that there is now a XXXX balance on behalf of XXXX. However, I've been calling XXXX to find out why they're still reporting me to the credit bureau and they are now ( over a year later and my offered settlement was paid ) Mr XXXX and Ms XXXX, directors with XXXX, are trying to tell me that they never approved the settlement amount that XXXX XXXX, the collection company they hired, offered me and they refuse to honor it and demanding I pay them an additional amount of over {$4300.00} for them to just remove this from my credit!! I need help, please.
Product: Debt collection

Trying to collect on account that I have no knowledge of I never done business with this company XXXX XXXX XXXX XXXXXXXX XX/XX/2020, XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters XX/XX/2022 to collection agency IQ Data international to validate said debt that I have filed identity theft on. No response, I sent another letter on XX/XX/2022 asking again to validate the said debt I asked for contracts with signatures of both parties no response. I also sent letters to XXXX credit bureau stating of the identity theft as well as included the police report asking them to remove the account as well as provide proof of validation of the debt. On XX/XX/2022 XXXX  came back and said the debt was verified but how? They didnt send any of the requested information violating my rights under FCRA . Im asking again for this account to be removed not only because its violating my rights under FCRA, FDCPA, but it is hindering my credit report/score and livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX {$1300.00} {$820.00} CHARGE-OFF XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX Previous Address : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Previous Address : XXXX XXXX XXXX APT XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The violation of the Fair Credit Reporting Act, 15 U.S.C. Code 1681, occurred when an item was erroneously placed on my credit report without my consent. This action constitutes identity theft, compounded by the fact that I was unaware of my twin 's use of my social security information at the hospital. Aargon Agency 's inclusion of this information on my credit report without my authorization further breaches my consumer rights, as it was done without any contractual agreement. Thus, these actions amount to identity theft and a violation of my consumer rights under the law.
Product: Student loan

I checked in with Navient only to find out I owed over $ XXXX in debt to the agency. It said the consolidation included XXXX XXXX University. Any online course I took through XXXX XXXX was paid for in full and in cash. I did not use any loans for this University. When I tried to speak with them to receive my promissory note and consolidation information, they were less than helpful. I still do not know how I manage to owe over $ XXXX in loans. I was forced to pay over $ XXXX/month, which was not sustainable and they refused to lower the payments. When I asked to forbear, they flatly refused. I still have n't be able to see a breakdown of all of this money owed, as when I came out of college I did not owe anything close to $ XXXX.
Product: Consumer Loan

I purchased furniture on an in-store loan from XXXX XX/XX/XXXX. The loan was serviced by TD Bank. I made monthly payments on time each month using ACH transfers made via phone payment authorizations. TD bank even gave me payment confirmation numbers at the end of the phone calls. I kept confirmation numbers from these payments on an electronic media device that has since been destroyed. XX/XX/XXXX, TD bank initiated transfers to make the payments, but those ACH transfers never cleared and TD Bank never informed me of this. Now, I am XXXX months delinquent on this loan, and it appears on my credit report as a negative account. TD bank never notified me or my bank that there were issues with the phone payments as of XXXX XX/XX/XXXX when I discussed this issue with TD Bank XX/XX/XXXX, they said they had no records of me initiating payments in XX/XX/XXXX.
Product: Debt collection

This account is not mine. I have had identity theft in the past and I believe this was XXXX of those accounts. I did not have an account with XXXX XXXX XXXX. It states the date opened was this year in about XXXX. I have not had a credit card in many years and therefore it is impossible that this debt is mine. They refuse to validate the debt and I have submitted emails and requests for documentation to no avail. This company has had many complaints against it for trying to collect invalid debts. I am not going to be held liable for this debt and in fact it is impacting my credit at this point since I have not been able to get it removed. I demand proof of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I opened a complaint with CFPB about XXXX reporting fraudulent accounts and fraudulent charges on my credit report and XXXX responded with the following information on XX/XX/XXXX : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com ''. 

I also received the dispute investigations by XXXX by mail, dated XX/XX/XXXX, which are attached, and clearly shows they did not do what they said they would do. They did remove XXXX and XXXX XXXX  but did not remove J.P. Morgan Chase and XXXX XXXX XXXX. They stated on the CFPB complaint the following about these 2 accounts : " NON REPORTING DISPUTES Trade : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They claim that the J.P. Morgan Chase and XXXX XXXX XXXX accounts are non reporting, but still are. So this was a lie by XXXX and both accounts are still being reported as of XX/XX/XXXX per my XXXX  credit report account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted. Company information : Transunion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as ALL INQUIRIES.
Product: Credit reporting or other personal consumer reports

REACHED OUT TO CREDIT BUREAUS MULTIPLE TIMES AND NOBODY IS HEARING ME USED SUPPORTING DOCUMENTS FROM THE COURTS AND POLICE REPORTS. NEED THIS ACCOUNT REMOVED FROM REPORT AND ALSO THE ALLEGE COMPANY HAS LET ME KNOW THAT THE BUREAUS XXXX AND XXXX IS NOT REPORTING THIS TRADELINE NOMORE SO IT SHOULD NOT BE REPORTING TO MY EXPERIAN XXXX THAT IS INACCURATE INFORMATION.. 

ACCOUNT IS XXXX XXXX CHARGED OFF {$96.00} & THE ALLEGE DEBT WAS PAID IN FULL SO SHOULD NOT BE REPORTING TO MY REPORT ANYMORE ALSO THIS XXXX XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX I NEVER LIVED THERE A DAY IN MY LIFE THAT ADDRESS IS NOT EVEN ON MY CREDIT REPORT OR ANYTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent my first letter requesting verification of inaccurate accounts on my credit profie to XXXX, XXXX, EQUIFAX. 

I then sent a following up later on XX/XX/2022 requesting an investion into these items. To date i have not recieved a response. I also informed all 3 parties that I will be filing a complaint regarding these matters. Based on not recving the results on the investigation requested each bureau is failing to comply with the with the regulations regarding my request
Product: Debt collection

I have never had service with this company yet they are reporting on my credit report A balance owed. I reached out to this company by letter and have yet to recieve A response. I have XXXX and have never had XXXX XXXX XXXX services at my home residence nor have I had any sevrices with XXXX XXXX  XXXX Additionally I have not been living at the address listed on the credit report that they have reported.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have trying to get all three credit reporting bureaus, XXXX, XXXX, and Experian to add my XXXX XXXX account from XXXX account # ending in XXXX to my credit. Ive had this account for 7 years it still active and it has not been added to ANY of the accounts. 
XX/XX/XXXX called XXXX gave them my social again to report to all three Bureaus and they sent it over several times and XXXX nor XXXX nor Experian added my account. 
XX/XX/XXXX called spoke with XXXX credit bureau specialist unit at XXXX they will send credit report and gets on credit report 5 business days after but it was never added XX/XX/XXXX called XXXX added a consumer statement to add XXXX stated it is my account confirmation # XXXX I added a consumer statement on XXXX confirmation # XXXX XX/XX/XXXX again For same reason with XXXX account ending XXXX XX/XX/XXXX credit Bureau XXXX XXXX XXXX with XXXX They reported it on the XX/XX/XXXX. She re-reported today XX/XX/XXXX as an Intercycle Update sending over what data is today as of XXXX XXXX  XX/XX/XXXX It should take 3-5 business days Friday/Monday of Next week to be added to Reporting Agencies XXXX XXXX and Experian It was NEVER added Call all three Bureaus Again to make sure there is a consumer note XX/XX/XXXX called Experian sent a consumer note called XXXX department priority escalations added Consumer Statement. Called XXXX updated consumer statement confirmation number # XXXX XXXX to follow up with statement to add these to my Credit it was never added to any of my cresit accounts. 

XXXX account ending # XXXX is my credit card account and it is active and it SHOULD be on my credit on Experian, XXXX and XXXX and it is NOT
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX XXXXXXXX XXXX took money from my CITICARDS CBNA XXXX credit card account. I informed CITI that I did not authorize this transfer of money! They did any way So I closed he account in XXXX over 7 Years ago! 
The account is still on my cred report! of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent TransUnion a form stating I am a victim of identity theft and requesting specific items be blocked from my credit report. Along with the form I also sent a police report, my drivers license, social security card and my FTC IDENTITY THEFT AFFIDAVIT. According to FCRA 605B once TransUnion receives my identity theft report along with a statement from me and other items that verify my identity, the reported information shall be blocked within 4 business days. 

Transunion sent me a letter on XXXX XXXX stating my request to block was denied due to my request being made in error. There is no way that transunion can reasonably determine that. I have provided a valid police report and I have satisfied the requirements of a block under FCRA 605B. If transunion does not follow the laws established I will have no chose but to sue them in small claims court for willful non compliance and damages. 

In addition on XX/XX/2023 I spoke with a representative from Transunion Specialized fraud team who is handling my file. And he claims he must first contact the creditor to confirm if fraud is found. This is not the correct procedure that should be followed. According to FCRA 605B once transunion receives information that a consumer identifies as identity theft, accompanied with verification of the consumers identity and a valid identity theft report Transunion MUST BLOCK the information without referring to the original creditor for validation of fraud. This confirms that TransUnion is not following the FCRA guidelines that are established to help consumers in these troubled times. TransUnion is Violating FEDERAL LAW I have also contacted XXXX about this and they are saying my police report is invalid which is unacceptable.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my Experian credit report and noticed that it hadn't updated. I called to find out why they told me because I did not have an address on file. Representative stated that they will update my address it will update in 24-48 hours. I refreshed my screen, and I see that that new updated address is wrong. I let the representative know. He said it will be updated. I checked my credit report on XX/XX/year>, I see that the wrong address is still on the credit report. So, i disputed it letting them know that's not my address. I check the disputed results today. It says the address is removed but it's not the address that I disputed it's a XXXX XXXX California address and I live in XXXX Georgia. I called Experian again and they stated they will correct the issue in 24-72 hours. Why wasn't the issue corrected the first time I called.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to update my address by using Experian online service to upload the IDentification and couldn't do it the system will take me back to the origin of the screen
Product: Bank account or service

I keep getting tire email promotions from Ebay decided to apply for one last evening. When I tried to make the purchase only option I had was to use Paypal. My experience with Paypal is a nightmare since it waste customers valuable time and paypal customer support is extremely poor. As I expected I spent about half hours to make the purchase online and my payment keeps getting rejected and prompting me to call paypal customer support. When I call customer support I had to go through multiple security screening questions with first rep and to my dismay he said he had to transfer me over to another Dept since he ca n't help. Second rep told me I had to add my credit card to make this purchase happen eventhoug I have added XXXX Bank accounts and have made purchases from paypal in the past. After adding my credit card to my dismay second rep told me that I had to go through security screening again. After going though security screening again rep told me that he needs to bring someone else to make this happen and brought third rep on to the phone and he could n't help either. I ca n't make the purchase via paypal. I got extremely frustrated since I was asked to call Vendor to make the purchase since I spend almost 2 hours on the phone and I asked for supervisor. I spoke to supervisor call XXXX and he told me Paypal is doing all the right things and never apologized for wasting my time for 2 hours. This supervisor told me this problem would n't happen again. I called tire vendor and unfortunately he ca n't offer me promotion since promotion is valid only with Paypal and I am back to square one. 
I tried to make purchase again this morning and story is the same eventhough Paypal supervisor promised that it would n't happen again. I kindly request that Paypal approve my transaction right away and offer me {$150.00} credit for all the hassle I had to go through to make this purchase. 

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