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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

After review, it was determined that XXXX accounts were opened fraudulently under my name. I reported the accounts and sent the FTC documentation of fraud to Salle Mae on XX/XX/XXXX. The loans are for {$20000.00} and {$5900.00} first disbursed on XX/XX/XXXX and XX/XX/XXXX. Sallie Mae said if they required further information, they would reach out to me. I received no follow, no notification of investigation, no response whatsoever until XX/XX/XXXX where they reapplied the loans to my credit and damaged it further. I was never once contacted by Sallie Mae after sending in all of the documentation from the FTC. They only offered one explanation for why the loans were removed then reapplied by stating " we could not confirm identity theft. '' After XXXX days passed, on XX/XX/XXXX, Sallie Mae responded stating they could not confirm identity theft however, they also did not state they could deny it. The family member who took the loans out and had access to my information has since passed before I was aware the loans even existed. Sallie Mae was also provided the FTC 's letter of notice to furnishers. Please help
Product: Credit reporting

I sent XXXX XXXX And Equifax multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXXAccordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had a fraudulent account from my report. Please remove these account from my report, they are hurting ny ability to obtain credit.. thank you!!
Product: Credit card or prepaid card

I paid to Macy 's {$21.00} back on XX/XX/2019, this payment would had bring the balance on account # XXXX to {$0.00}. But they applied the paymeny to a different account #, which is XXXX. The payment was made electronically, trough XXXX XXXX XXXX, from my checking account ending on XXXX, credit trace # XXXX.

Payee name : MACYS Payee address : XXXX XXXX XXXX XXXX OH XXXX.
Product: Prepaid card

As of XXXX on XX/XX/year> my claim was denied ending XXXX. Associated with card ending in XXXX. 
I was told by XXXX claims prepaid manager told me there's nothing she can do. Completely ignored my questions absolutely rude and useless This claim was filed by customer support agent from bank of America she made a mistake by filing a second claim ending XXXX. Associated with same card ending XXXX. 
The bank did XXXX investigation and confirmed card XXXX wasn't never received I never got. They credited my funds backs but failed to correct the claim XXXX These claims were filed the same day by same customer service agent. So it made no sense why she split the claim causing this problem. 

This bank is not handling this at all. 
They allowed fraudulent charges T h e y. a r e r e f u s i n g t o. O p e n m y c l a i m u n l e s s. I p r o. V I d e n e w r e q u e s t in writing everyday I'm doing this
Product: Checking or savings account

Re : Merchant ID Numbers : XXXX, XXXX Elavon merchant services ( elavon.com ) owned by US Banks and affiliated with XXXX XXXX has been our credit card processor since XX/XX/2014. They have recently withdrawn a total of about {$140000.00} from two of my business accounts in one day. When we called them to question the activities, they gave us multiple reasons as to whey they can't release any information claiming that they are investigating our accounts and that it is with fraud prevention. They explained that we might get the money back in 90 days. Later, mentioned that IF we get the money back it won't be till 120 days. We are 100 % sure this is XXXX stealing from us because of their lack of information and false claims that " they are investigating. '' In addition there are hundreds if not thousands of ripoff reports online along with XXXX complaints, and similar consumers that resulted into lawsuits. 

We've called them over 10 times and can't get an answer from them. There seems to be a " Processing Representative '' who isn't releasing her last name claiming that she can't provide that information as it isn't relevant. We asked her for her email address to send her a log of all of our receipts and she advised that isn't going to change anything and refused to provide her email address. There seem to be four representatives in the processing dept. by the name of XXXX. We called XXXX 's main phone number and one for their reps gave us the name of XXXX XXXX which we are questioning is a real name. He seemed very nervous and stated " I'm just a rep I have nothing to do with this. '' We are a small family with a small business trying to make ends meet. We have XXXX kids and this is so much money. We are under a lot of distress and really need your help with this matter. I am at XXXX. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  and the credit bureaus ( Experian, XXXX, XXXX ) are continuing to report a fraudulent account that should have been removed along with other accounts proven to be unverified. Despite submitting identity theft documentation and multiple requests for verification, no legitimate proof has been provided. Instead, they have manipulated the account details, re-aging it to make it appear recent. This has caused ongoing damage to my credit and is a clear violation of proper reporting standards. 

I have already seen other fraudulent accounts from the same period of identity theft successfully removed, proving that they could not be verified. However, XXXX and the credit bureaus are failing to act on this account, despite the documentation I provided during my medical incapacitation, as detailed in my FTC Identity Theft Report. 

There is no valid reason for this account to remain on my report, and the lack of transparency in the process of re-aging the account to prolong its negative effect raises significant concerns.
Product: Bank account or service

I have filed a complaint with the bank because of suspected fraud on my account and several charges that I did not authorize. The institution has since put a freeze on my account and refuses to provide me with any information. I recently paid my auto insurance from the account where there was a balance to cover the transaction and the bank returned the payment. Their reasoning is that the funds are being held due to the investigation. The rep who I am asked to contact is never in the call center and they keep the same business hours as I do and I have to work. 

How can your complaint be satisfactorily addressed? 
The funds need to be released on my account as they are being unjustly held and have now caused me hundreds of dollars in fees because of the returned transaction.
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed that, for the third time, a fraudulent account is appearing, I have tried before to get this deleted. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit card

My name is XXXX XXXX. I filed a small claim court against CITI Bank for closing my credit cards and damaging my credit. The small claim court case number is XXXX. The court ruled in my favor and CITI Bank needs to pay the XXXX USD as total judgment pay for my total damages. This is not income or any earnings CITI bank is paying for me. However, I received the 1099-MISC tax form from CITI for this payment. This is not correct. Please correct the tax form as I should not pay tax for this judgemental pay. Thank you!
Product: Debt collection

I had a 24months contract with XXXX XXXX which open in XX/XX/XXXX. Payments were made on time. Due to Covid 19 ( natural disaster ) I started to short on my payments until I had to close account which break contract. They then started collection which I disputed numerous times cause are natural disaster. Year XXXX I tried settling numerous times which was denied. The balance even increases as it goes through numerous collection agencies.
Product: Debt collection

The amount owed is incorrect, I asked to pay original amount but they are not working with me. This is negatively affecting my Credit.
Product: Checking or savings account

Filed a dispute on XX/XX/year> for unauthorized transfer on XX/XX/year> in the amount of {$1000.00}. Was told I would receive a temporary credit within XXXX business days in which I havent received.
Product: Debt collection

Getting harassed about a hospital bill that they refuse to bill to my insurace. Many calls with the bill collection agency, the hospital I visited had no effect in stopping the barrage of phone calls and mail. My three way calls between the debt collector, my insurance provider, and myself seemed to be most effective but nonetheless never stopped their pursuit to get me to pay without billing insurance. Often trying to decieve me saying it was not covered. Luckily I was smart enough to call my insurance and confirm they were never sent any claims or billing. To no avail explicitly telling them to stop harrassing me with calls and mail never stopped their relentlessness. I thought after the fourth three way call I had back in in the middle of XXXX in XXXX I thought the XXXX of dealing with HRRG was resolved. Today I woke to find another letter from said debt collection agency trying to collect money without billing my insurance. It is a bill of XXXX $ from XX/XX/XXXX. The collection agency in question is " Healthcare Revenue Recovery Group , LLC ''. The number they advised me to call, " XXXX ''. At the top it says " XXXX XXXX XXXX XXXX XXXX XXXX  XXXX '' At the bottom there is a detachable portion for you to send payment to a " XXXX XXXX XXXX XXXX XXXX  XXXX ''
Product: Credit reporting or other personal consumer reports

XXXX and XXXX have engaged in deceptive, unfair, and unlawful practices regarding account XXXX. The vehicle was sold as being in excellent condition, but within 30 days, it required a full transmission replacement. I later discovered that the vehicle had prior transmission issues and a recall replacement before the sale. XXXX and XXXX knowingly misrepresented the vehicles condition, committing fraud from the outset. 

After making timely payments for over a year, I attempted to refinance the vehicle in XX/XX/XXXX but was denied because the financed amount was more than double the cars value. Since then, I have repeatedly requested a full accounting, interest breakdown, and refinancing options. XXXX stated they were only the servicer, not the originator, and refused to provide key TILA-mandated documents, including the promissory note, chain of assignment, and forward flow agreement. Without these, they have no lawful claim to collect or report. 

After their continued failure to provide validation, I initiated arbitration on XX/XX/XXXX, per the agreement. Despite this, XXXX updated the account as a charge-off in XX/XX/XXXX, in direct violation of arbitration proceedings. They have since refused to participate in arbitration while continuing to act on the account, including harassment, breach of peace, and repossession attempts, despite knowing arbitration is pending. 

Additionally, XXXX has inaccurately reported a monthly payment of XXXX when the contractual amount was XXXX and failed to report payments from XX/XX/XXXX through XX/XX/XXXX. This false reporting, along with their refusal to validate any lawful obligation, is a clear violation of the Fair Credit Reporting Act, Truth in Lending Act, and consumer protection laws. Immediate investigation and enforcement action are required to stop these unlawful practices and remove the unverifiable reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX complex XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed to comply with 15 USC 1681s-2 ( b ). TransUnion is civilly liable under 15 USC 1681 ( n ) ( i ) A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

TransUnion failed to conduct a reasonable procedure by their own industry standard of Metro 2. TransUnion failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

TransUnion failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. TransUnion failed to report consecutive 24 months of payment history. Failing to report accurately presents willful noncompliance.

In conclusion, TransUnion has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n TransUnion is liable for actual damages, {$1000.00} violation and punitive damages.
Product: Debt collection

I never knew that I owed anyone money, this just appeared on my credit report. I've called multiple times since & asked for information- they can't tell me anything about it, just that I owe money. I have no idea what it's for! Every time I've called they've been rude and can't understand why I won't just pay it.
Product: Mortgage

I have issues concerning my principal balance and I wanted to find out more information from Shellpoint Mortgage Servicing. Shellpoint provides a customer service number on their statement which is fraudulent. Last week it was never available and this week, you were forced to connect to a promotion scam, and no matter how much I said I was not interested, they insisted in collecting information form me. Then they said at the end they would provide the loan servicing number, and gave me a number to XXXX XXXX. 

I tried to sign up online, and their system said it could not find my loan. 

It was only by googling Shellpoint that I was able to determine that they were part of NEW REZ and called NEWREZ customer service and I was able to speak with someone. 

They are using their customer service number to force their customers into accepting a " promotion '' that charges monthly. If you do not press the number to transfer to the promotion, the phone is disconnected. They will not transfer you to Shellpoint loan Servicing or provide you with a legitimate number if you tell them you are not interested in their promotion. 

This is an illegal scam and prevents people from being able to address legitimate concerns about their mortgage.
Product: Credit reporting or other personal consumer reports

Equifax has hid XXXX collection removals on XX/XX/year> XXXX XXXX amount {$970.00}. 
XXXX XXXX amount {$470.00}. 
As closed account not collections this is not te first time I've tried removing it and couldn't understand Why they reappeared as new collections
Product: Credit reporting or other personal consumer reports

Hi TransUnion, I just received a copy of my credit report and I found those fraud inquiries that shall delete from my credit report. I don't know what is going about those thief getting access to my credit report information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

CREDIT CLEARING HOUSE OF AMERICA , INC . 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY, XXXX To : The Office of Registered Agent for CREDIT CLEARING HOUSE OF AMERICA , INC . 

From : XXXX XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature. 4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 


Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 
If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX XXXX XXXX
Product: Debt collection

Previous landlord informed me that they were bought out by another company. Both property and new company informed me that they do not have any information on my residency. Called the previous property owners, they are not responsive. Advised debt collection agency to verify information, but was told they have no way of contacting the original owners of the account.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX STAR XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX