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

Dear : Transunion, XXXX, and XXXX Date- XX/XX/XXXX RE : Account XXXX To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

How did you investigate this account with out any documentation? I contacted the collection agency your rep told me about and they could not validate the debt. This collection agency subsequently removed all information regarding this account from my credit reports. If this incorrect information is not removed from my credit reports, I will file suit against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I asked for XXXX, XXXX, and Transunion to conduct an investigation regarding the amount due on my accounts, and to verify the information is correct.
Product: Credit card or prepaid card

Hello, I am a client of the Master card that XXXX offered me through Citibank, since XX/XX/XXXX an amount of {$950.00} dollars appeared on my invoice, I called to report that I was not responsible, I received after so many calls claiming I received this check send them my driver 's license to verify that it is not my signature and they have not solved anything yet, please ask for help in this matter I also see strange movements that have been charged without justification, if they see now they are {$950.00} the charge of the check, and I ask why it now adds {$4.00} more and they do not give an answer, Here I include the Check, the statement that appears {$950.00}, my license as proof that it is not my signature. 
The account number is XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Thank you!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Two years ago I bought sofas from Macys almost {$5000.00} I paid most of my bill left balance of {$1300.00} I no idea they changed me interest of {$2000.00} Am not working I was lay off last year XXXX I spoke to one their agent and he said they can only give me 50 % discount for interest and now Am not working so I can afford to pay this huge interest, so please I need help thank you.
Product: Credit card

On XX/XX/XXXX I ended up signing a contract with the company XXXX XXXX for resume bulding and advisor services. The contract is so stringent they do not allow refunds. They do not have any previews of what the services are about. To find out that XXXX  can do everything they do in a matter of seconds does not justify the thousands of dollars this company charges for the services they claim to provide. Therefore I requested to cancel because it is a legitimate legal scam that this company does, to lure the phDs through a satirical and narcissistic way to tell the other candidates that they're doing a poor job in managing their social media XXXX account, which again, everything can be improved as a subscribed account owner for a fraction of the cost. Therefore, the services they sell are a cheating scam for those who they can sell to. The company decided they did nothing wrong and that I signed a non-refundable contract so they get to keep their money, even though they stopped providing me the services when I requested the refund. Then, the credit card company Barclays XXXX XXXX, conducted their investigation after we requested a dispute of the charge, and they sided with the company 's response that they did nothing wrong and did not allow the refund or the charge dispute. And it was my spouses credit card and not mine, so that was another issue that the credit card company did not adhere to consider.
Product: Credit reporting, credit repair services, or other personal consumer reports

i notice that a account that i never opened by me was listed on my credit report i need it to be removed because its not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to make a complaint against XXXX XXXX XXXX, XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Mo XXXX which had a 1st delinquency reported on XX/XX/XXXX with an alleged balance as of XX/XX/XXXX of {$1900.00} and the original creditor was Cashnet USA. This account needs deleted under title 15 u.s.c. 1681 ( i ) since they have violated the FCRA and FDCPA according to the following codes. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years for the collection agencies. Statute of limitations was up on this account on XX/XX/XXXX which was five years from the first date of delinquency and XXXX XXXX has now violated the FCRA and FDCPA and the following violations : 1. Creditors or collection agencies if they try and re-age the account violates FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer and this a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
XXXX. XXXX XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX  v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. XXXX XXXX XXXX also violated FDCPA Section 809 ( b )  because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. XXXX XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine. 
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b  ) and a {$1000.00} fine.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous communication regarding the fraudulent items on my credit report. Despite our previous correspondences and the efforts made thus far, it appears that the fraudulent items have not been removed. 

It is imperative that we take immediate action to rectify this situation and remove these inaccuracies from my credit report. 

I understand that resolving cases of fraud can be complex, but it is crucial that we work together to ensure the accuracy and integrity of my credit report. I kindly request that you escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3300.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been going back and forth with Equifax. They have 2 credit profiles for me, in which I have sent in my passport, and SSA letter with my address. I have in the past had my wallet stolen, however, I have sent in documents VERIFYING my identity. There should be no confusion as the documents come from the federal government. EQUIFAX refuses to update and correct erroneous information, although, I have a copy of my report from XXXX. When calling, each agent has asked general question about my profile : do you have a charge card, if so how much is the repayment? Once I answer their questions based on the report generated from Equifax, they still tell me Im incorrect. I have faxed my supporting documentation to Consumer Affairs, and the complaint department.
Product: Debt collection

This is in reference to an alleged debt Ive been harassed and abused by Resurgent/LVNV Funding for. I was notified by your company of the alleged debt again recently on XX/XX/2022. 

According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. 

Resurgent/LVNV Funding and its agents harassed me for an alleged debt that was not even validated. Your Company shared statements as well as a copy of a Consumer Contract as evidence of the debt but as per the judgment in the case of XXXXXXXX XXXX XXXX XXXXXXXX a copy of the Consumer Contract is not sufficient evidence of debt. 

Due to your continuous act of deceit, coercion, and intimidation, I am forced to take further litigation and seek compensation for damages through a competent common law court. All communications and omissions will be made part of and incorporated into any litigation arising from this matter. If any negative mark continues to report on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act and Defamation of Character, Aggravated Identity Theft and Conspiracy. The alleged " " creditor '' reported this on my Consumer Report as " charged off. '' It means that the creditor will no longer attempt to collect this alleged debt owed by them. I would like to know for what price did you purchase this debt? 

I hereby grant your Resurgent/LVNV Funding the opportunity to amicably resolve the matter by way of doing the following ; 1. Deletion from all consumer reports 2. Clear away any alleged balance owed THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.

You shall be granted thirty ( 30 days to respond. If there is no response to this complaint within the prescribed time period, all legal rights shall be explored, including, but not limited to legal proceedings necessary in accordance with State and Federal laws. 

Thank you for your attention to this matter
Product: Mortgage

I received a short sale approval to sell my home where Wells Fargo is the servicer and HUD/FHA is the investor of the loan. The approval letter was issued on XXXX/XXXX/16 and valid through XXXX/XXXX/16. I advised my negotiator that I would need a minimum of 45 days to close the file since the buyer has applied for a TRID loan which requires a mandatory 45 days to close. The Wells Fargo negotiator assured me this would n't be a problem and that I could request the extension when I was assigned a closer for the file. I requested an extension on XXXX through the closer and was quickly told that the request was declined. The closer told me that if the buyer could n't close by XXXX/XXXX/16 I was out of luck and the file would be closed and the that I would have to start the short sale process all over again. I went on to open a case for help through the Wells Fargo Customer Care Department where I was quickly called to say once again that I was out of luck. When I called HUD/FHA I was told that the I had until XXXX XXXX to close since this is the day the ATP ( Approval to Participate Letter ) from HUD/FHA expires. I told this to my Wells Fargo closer and was told sorry she could n't do anything. I then contacted the area assistant VP for Wells Fargo who said he was going to request a variance through HUD/FHA on XX/XX/XXXX. It is now XXXX/XXXX/16 and I still have not heard from back from him since. I 've left several emails and voicemail message for him and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH XXXX  CASE # XXXX XXXX XXXX  WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX A XXXX DEALERSHIP IN XXXX XXXX   FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX  AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX   ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX THAT IS NOT TRUE. XXXX  RECEIVES XXXX A MONTH SSI XXXX XXXX   HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR XXXX YEARS PAYING XXXX   A MONTH RENT, XXXX HAS RUINED XXXX  REPUTABLE CREDIT. WE ARE ASKING XXXX  TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX   AND ONLY RECEIVES XXXX A MONTH FOR THE PAST XXXX YEARS. WE CAN PROVIDE DOCUMENTS. XXXX   FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX   SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX AND THE DEALERSHIP REPORTED XXXX   THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX  FUNDING WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT XXXX   PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM XXXX ESCALATION TEAM NAME IS XXXX AND HIS NUMBER IS XXXX  YOU CAN SPEAK WITH XXXX   AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING XXXX  TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.
Product: Credit card or prepaid card

I paid my balance off on my Bank of America credit card In XX/XX/2019 to a XXXX   Balance. It seems that a fee generated after that time which I was not aware of. Once I became aware of it I took care of it. Since I paid it down to XXXX and was unaware of this since I was told it was XXXX balance.
Product: Debt collection

Attempting to collect on an alleged debt for the amount of {$1200.00}, which is 4 years old. The Texas Statue of Limitations are 4 years. Please remove alleged debt from my credit. Thank you
Product: Debt collection

This is the second time i ask for this to be removed from my credit. The name on the credit card they claim i owe is wrong. My name is XXXX XXXX XXXX XXXX and the papers they sent me and are using to say i owe this debt from XXXX XXXX is XXXX XXXX XXXX. Thats not me
Product: Debt collection

I am the secured party and first lien holder and i have been harassed and my rights were infringed on. violating 15 usc 1681 ( a ) 15 usc 1681 ( b ) 15 usc 1681 and 18 usc 241 18 usc 242
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On Saturday XX/XX/XXXX I opened a checking account at SunTrust online. I then went to the branch inside XXXX on XXXX XXXX XXXX XXXX in XXXX, GA and deposited two checks totaling {$2700.00}. 

On Monday XX/XX/XXXX, I directed my employer, the XXXX XXXX XXXX XXXX to send my direct deposit payroll to the new account. And I set up a XXXX auto-withdrawal using the new account for XX/XX/XXXX. 

Unbeknownst to me also on Monday the XX/XX/XXXX the Suntrust fraud department decided to close my new account. I went on XXXX holiday in Maryland and New Jersey and did not find out about the closure until I returned on XX/XX/XXXX. In their letter they stated my funds should be sent in 15 business days if they are n't forfeited. 

I called the fraud department on the XX/XX/XXXX but they had no information except to tell me to visit a branch. 

I went to the Sun Trust XXXX, GA office Tuesday XX/XX/XXXX and the fraud department would n't tell them anything either. 

Of course my payroll check then bounced on the XX/XX/XXXXt and I had to get XXXX taken care of, but I really need to get my funds back from them. I had XXXX XXXX on the XX/XX/XXXX with a {$1700.00} copay and was counting on using that money to pay the XXXX.
Product: Debt collection

Cooling and Winter continues to engage in illegal debt collection practices DESPITE the laws and despite the CFPB orders. Cooling and Winter has violated SEVERAL of my rights under the FDCP AND FEDERAL CONSUMER FINANCIAL LAWS. 
1. They NEVER sent me a notice to validate or dispute the debt only a summons. They filed an illegal lawsuit against me. They never had/nor provided documents to show that the debt was accurate OR enforceable. They also filed a sworn statement from its client with the court even though the signer could not possibly know the details they attested to! PERJURY! And ILLEGAL!

2. Before we went to trial I let them know that the debt was disputed AND that I requested validation of the debt. 30 days has passed and they never sent the requested contract, how the debt went from $ XXXX- {$1900.00}, and who the original creditor was. I ALSO requested these documents through the court, mail, and email and they NEVER responded. ILLEGAL and AGAINST the LAW x 2. AND they continued on with the lawsuit DESPITE me challenging the validity of the debt. 
3. They represented themselves as XXXX XXXX XXXX and AS LAWYERS in an effort to deceive me. ILLEGAL! 
4. Two years ago I challenged this EXACT same debt with XXXX XXXX  who COULD NOT VALIDATE THE DEBT HOWEVER its CLEAR Cooling and Winter simply purchased the debt from them. 
5. Cooling and Winter used the court system for the purpose of intimidation and that was a HARM to me and potentially consumers everywhere. 
6. While in court I asked their representative did she bring the documents I requested more than 30 days ago she stated by law they dont have to respond to my request/show me anything which is FALSE and ILLEGAL!

7. She stated they NEVER received my request by mail or email which is FALSE because if you didnt receive my debt validation request/request for production then WHY were statements, starting at {$1400.00}, sent to me AFTER they were already attached to the summons?? The letter they sent CLEARLY stated it was in response to me recent inquiry this letter arrived on XX/XX/19! 

Ultimately Cooling and Winter deceptive and illegal lawsuit prevailed despite their noncompliance with the LAW and the CFPB order. A request for production was mailed out on XX/XX/19 and as of XX/XX/19 I have YET to receive ANYTHING validating the debt. In court their representative didnt have ANYTHING validating the debt only the false affidavit and as we both know AN AFFIDAVIT DOES NOT TAKE THE PLACE OF A CONTRACT! If this case isnt voluntarily dismissed I will have to take legal action to protect my credit rating and myself. As I'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court, AGAIN! So far Im at {$6000.00} NOT including my lawyer fees, court cost, and compensation for emotional distress! I look forward to an expedient resolution of this matter.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024. On XX/XX/2024, I sent a letter of intent and an affidavit of truth to all 3 credit reporting agencies. I stated I would like to make changes to inaccurate information on my credit report. I called each of the 3 agencies on the phone XX/XX/2024, to update my information on the credit report. I mailed another letter to all 3 credit reporting agencies on XX/XX/2024, telling them again about the inaccuracies on the report. This was sent via certified mail to verify that the notarized letter reached the credit reporting agencies. It has now been 30 days since my original request ( XX/XX/2024 ) and I have not had any contact from these agencies nor have I witnessed any updates to my account. Because of this, on XX/XX/2024, I mailed a demand and compliance letter to the credit reporting agencies and am now here submitting a complaint against them with the CFPB.