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

According to my research about FCRA 605, XXXX and TransUnion Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00}.
Product: Checking or savings account

On Friday, XX/XX/XXXX at approximately XXXX XXXX, I electronically initiated a transfer of funds ( {$29000.00} ) from my XXXX XXXX account to my PNC Bank checking account. On Saturday XX/XX/XXXX at XXXX I received a e-mail from XXXX XXXX stating that the funds transfer I requested had been sent to PNC Bank. ; The problem is that PNC Bank did not credit my account until Wednesday XX/XX/19. I can not understand why with the technology we have today, the transfer of funds should not take any longer than one day. I was in the process of purchasing a new vehicle and needed the funds.
Product: Checking or savings account

I had a problem with my checking account with Bank of America there was 2 Fraudulent Transaction done in my account for the amount of XX/XX/2022 for the amount {$31.00} and another fraudulent transaction {$72.00} XX/XX/2022 i never did any business with XXXX XXXX or gave my card information to this company and also the XXXX transaction {$72.00} i never did any purchase on my account for this transaction on XXXX please help me with the dispute i contacted Bank of America customer care and they still havent resolved this problem or provide me a temporary credit on my account and I should not be responsible for this fraudulent transaction
Product: Debt collection

On XXXX it states the I owe {$310.00} to collection that was past due to NATIONAL CREDIT ADJUSTERS , L.L.C, XXXX XXXX XXXX. The date opened was XX/XX/XXXX, however I was locked up from XX/XX/XXXX until now so the is a result of identity theft and I wanted it disputed but XXXX stated that the debt to collection remains
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to an investigation with Transunion, file # XXXX. I filed a dispute online with Transunion and submitted supporting documentation to review with my dispute. The documentation supports that I made all payments on time in regards to the account with XXXX. Transunion conducted the investigation without reviewing the supporting documentation and made an unfair and incorrect decision, resulting in the error remaining on my credit report. I contacted Transunion on 3 occasions to resolved and every time my call was transferred because Client Relations does not handle online disputes. Each time I call the Online customer service number, I was directed to same Client Relations department.
Product: Debt collection

I disputed an account with XXXX and the collector on XX/XX/2019 but they keep verifying it. MIDLAND FUNDING LLC attempts to collect {$3700.00} on the account that they can not provide enough proof that they have the right to collect. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. They keep trying to collect and keep reporting the account without being able to verify it. They hurt my credit and I can not qualify for any loan.
Product: Debt collection

Good afternoon I received a summons from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A motion to attach my pay and a foreign judgement.Portfolio Recovery Associates LLC and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX known for illegal debt collection Practices.Both did not notify me about first a foreign judgement in another state, which they both have done before, hoping defendents would not show to court having decisions favor them. They did not send me any letters detailing what/were and when debt originated from, no certified or registered either.I currently have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The statues law on credit is 6 years in Ma I believe they are exploiting myself ( a XXXX XXXX XXXX XXXX XXXX XXXX in Massachusetts and the foreign judgement law passed in XXXX here in XXXXCFPB fined Portfolio Recovery XXXX XXXX for such practices dating back to before XXXX XXXX was not aware of CFPB or that debt collection law firms and debt collectors were doing this, XXXX XXXX offices is not XXXX XXXX, they have hundreds of unfair and illegal debt collection, a lot on XXXX started having financial issues at the beginning of the Great Recession XXXX, income loss a major flood in XXXX, and more income loss XXXX. I still work 6 days a week same job 40 years as a flat rate XXXXXXXX XXXX to stay head financially, This has caused me stress and XXXX out of the blue, not to mention embarrassment at my employer about attaching my pay.Thank you for your time please feel free to contact me.I also filed a complaint with Ma Attorney General office.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am not aware of them, and the company conducted this without my permission.
Product: Credit reporting or other personal consumer reports

" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report That has already been removed. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX XXXX XXXX FALSE OR MISLEADING XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I was a member of the Post-class of XXXX XXXX XXXX. I attended the XXXX XXXX XXXX - online division. My federal student loans were discharged, as were all former XXXX XXXX students, through the Department of Education XXXX XXXX XXXX program. 

I found out I was eligible to receive a school Misconduct Discharge from Navient for my private loan.

I requested an application for the Misconduct Discharge and received it on XX/XX/year>. 

I filled out the application and submitted it with as much evidence as I could find on XX/XX/year>. ( I submitted it initially on XX/XX/year>, however I accidentally submitted the blank form, I emailed them the same day and submitted the correct form which I was told was attached to the original file. The next day I was contacted saying the form was blank and I once again submitted everything to Navient again which I did. ) On XX/XX/year> I was informed my private student loan, was going to be transferred to XXXX on XX/XX/year>. 

On XX/XX/year> I received a notification that my School Misconduct Discharge application had been denied. I was also informed my forbearance on said loan ends in 2 days. The following form letter response was the only explanation : " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( XXXX ) XXXX XXXX XXXX Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ''
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my PayPal account ( created since 2014 ) was limited due to several key points or issues. It was done during the purchases of urgent necessities for my work. They claim that my account is linked to another account created under my name after I created this one. 

They have on hold {$41.00} and caused a contract ( due to unavailability to purchase online digital goods such as servers for hosting and web domains ) to be broken on my part for the amount of {$630.00} for my online services. 

They claim there is an amount due ( not disclosed by them ) and an account with my personal information ( details not mentioned by them such as email address, name under the account, phone number, etc ) I demanded the case to be elevated to fraud for a possible identity fraud, however, I 've received no additional communications from them. 

I 've been attempting to contact through phone 2 times with waits longer than 1 hour and  30 minutes.
Product: Debt collection

Tromberg , Morris & Poulin , PLLC ( hereinafter referred to as TMP ) is a law firm retained by XXXX XXXX, XXXX to pursue legal action against me the consumer, XXXX XXXX for a credit card debt in the amount of {$1100.00}, TMP has responded to the validation request ( attached ). I also found many violations. Pursuant to what law did you conduct this investigation under federal code? As the consumer and origins of this consumer credit transaction in discuss, you don't have the authority nor my consent to investigate. 
Pursuant to what law did you conduct this investigation under federal code? As the consumer and origins of this consumer credit transaction in discuss, you don't have the authority nor my consent to investigate. 

I sent a certified verification request and you and your client did not provide me with what congress defines as proof pursuant to 15 USC 1692g. Without providing me what was requested you are attempting to collect an alleged debt you didn't get consent nor authorization from me, the executor and administrator of the surname given. 

Since you did NOT Provide me with what was requested by federal law, your claim of investigation of this matter is hearsay and you ( Tromberg Morris Poulin PLLC ) are in default of my affidavit of Truth and Cease and Desist.

You ( Tromberg Morris Poulin PLLC ) a third party debt Collector, is in multiple violations of the FDCPA. Your sue against me regarding this alleged debt obligation are in direct violation 15 USC 1692c ( 13 ) " False '' representation or implication that documents are legal process '' As you Tromberg Morris/ Povin , PLLC are also in violation of 15 USC 1692c ( 3 ) ''The false representation or implication that any individual is an attorney ''. I do NOT have any contract with you, nor did you have written consent from me, the CONSUMER, NATURAL PERSON. I am entitled to damages caused by Tromberg Morris Poulin PLLC. Multiple Violations of the rights pursuant to the FDCPA.

If you wish to continue this suit, pursuant to 15 USC 1692k ''Civil liability '' I will seek remedy for all damages incurred.

For resolution of this matter before court, My remedy pursuant to 15 USC 1692c ; 1 ) To advise the consumer that the debt collector 's further efforts are being terminated, 2 ) As I am the consumer and creditor I am notifying you of my rights to invoke specified remedies. 

XXXX ) As I am the consumer and creditor I intend to invoke my specified remedies as follow : 1.Pay attached invoice ( if you are not going to stop this alleged debt ) 2.Send proof of audit trail 3.Remove all negative reporting from all consumer reporting agencies.

4. Proof in letter of completion. I take a vital role in my life and as I am the consumer in fact, and I look forward to the resolution of these matters in discussion. 


I Demand response in written in 10 days. 

Attached all the Documents, Affidavit of truth, Cease and Desist, Letter to a Third Party Collector, labeled violations, Invoice, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, sent an amount of {$220.00} to EOS CCA XXXX. XXXX  XXXX XXXX Ma. XXXX, They are a collection agency. this amount they say I owe was a company acct. for my company cell phone. I quit working for this company in 2013, but XXXX turned this amount over to the collection company in my name instead of contacting the company that the cell phone acct was linked to. I have been trying for over 5 years now to get this off my credit report, I have the company name address and a contact person, I gave to EOS CCA, But they never contacted anyone other than me.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Civil Liability for Negligent Non-Compliance ( 60-81-0 Dear Equifax , Transunion Dispute Department , I am writing to formally dispute the inaccurate reporting of a civil liability under code 60-81-0 on my credit report. Upon reviewing my credit file, I have identified incorrect and misleading information that I believe is the result of negligent non-compliance with credit reporting laws and regulations.

Details of the Disputed Item : Account Name/Number : [ Provide details of the disputed account ] Creditor or Reporting Entity : [ If applicable ] Date of Reporting : [ If known ] This civil liability claim is incorrect because [ explain why the item is wrong, e.g., I have never been involved in such a case, The debt has been satisfied or dismissed, The reporting violates FCRA regulations , etc. ]. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Equifax is required to maintain accurate and verifiable information. Failure to correct this inaccuracy constitutes negligent non-compliance, which may expose your company to legal liability.

I request that you immediately investigate this matter and either : 1. Provide verification of the accuracy of this entry in compliance with FCRA guidelines, or 2. Delete this erroneous information from my credit report if it can not be substantiated.

I have attached supporting documents to verify my identity and dispute, including : A copy of my government-issued ID ( drivers license, passport, or state ID ) A recent utility bill or bank statement as proof of my correct address Any court documents, correspondence, or proof of prior disputes Attached to this letter are copies of relevant supporting documents, including [ list any documents you are providing, such as a court order, proof of payment, or identity verification ].

Under the FCRA, you have 30 days to complete your investigation and respond to my dispute. Please confirm in writing that this inaccurate item has been removed or provide a detailed explanation of your findings.

If this matter is not resolved promptly, I am prepared to escalate my dispute to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies for damages caused by Equifaxs negligent reporting.

I appreciate your immediate attention to this matter. You may respond to me in writing at the address listed above or via email. 



Sincerely, [ XXXX XXXX ]
Product: Credit card

My credit card was used to make a purchase at Macy 's store number # XXXX. The initial attempt of $ XXXX was declined. The XXXX attempt of {$80.00} was approved. My bank alerted me of this and canceled my card. My fiance 's debit card was also compromised and she 's handling this with her bank. The only location we used our cards in the same place was in the XXXX XXXX in XXXX, GA.
Product: Debt collection

This debit is in collection and it not my debit and under the HIPPllA law my information about my Health is against the law and under the FCRA and the CCPA My information was compromised
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 under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX. XXXX ( XXXX XXXX XXXX  XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DEFAULT & OPPORTUNITY TO CURE Reporting inaccurate information on my credit report, defaming my character and credit worthiness, without a permissible purpose to coerce me into paying a debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account from my file : XXXX XXXX XXXX
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT Is collecting for XXXX XXXX. I never gave them the right to collect on my behalf. This company has been operating illegally for years. I contacted them and asked for information to try to resolve this issue. But was only given a bill with my name on it. I asked for the following information under a negative item review of the Fair Debt Collections Practices Act, 15 USC 1692 Sec.809 b. And 15 USC 1692 C. I was not provided this by the creditor nor the credit bureau! Please advise of my next steps.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I'am demanding a deletion of the following account. Also XXXX and XXXX report balance is not factual or Accurate. : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  I have reasons to believe that the information provided by these sources, particularly the collection account from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate, unauthorized, and in violation of the law. This misinformation is adversely affecting my good name, character, and ability to qualify for new credit opportunities. I am exercising my rights under the Fair Credit Reporting Act, specifically referencing the following provisions : - 15 U.S. Code 1681i - Procedure in case of disputed accuracy - 15 U.S. Code 1681e - Compliance procedures -15 U.S. Code & 1962f- Unfair practices
Product: Mortgage

Ocwen will not let XXXX access my account. I use XXXX to track my payments.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
LVNV FUNDING LLC XXXX Balance {$580.00} LVNV FUNDING LLC XXXX Balance {$600.00} LVNV FUNDING LLC XXXX Balance {$960.00}
Product: Money transfer, virtual currency, or money service

My bitcoin wallet on coinbase has been missing for months and I can't access my funds.
Product: Credit card or prepaid card

I have 2 credit card account with CITI. The limits were cut on both cards ; one from {$15000.00} to {$300.00} and the other from {$10000.00} to {$5000.00}. I called customer service to find out why they took this action and was told it was because I had a late payment on a non-CITI account. This late payment was an error and I was already in the dispute process. I escalated this complaint with the corporate office and they agreed to re-evaluate my account. I later received a response informing me that they were " unable '' to reinstate my credit line but instead gave a different reason for their decision ( that I was carrying too much debt across my other credit lines ). My debt level has not been an issue in the past and has also not been a factor with CITI in the past. Based on my payment history, I have had no issues maintaining my payments and by balance often go up and down depending on my spending needs. I find this an unfair practice by CITI and I am appalled that this company would treat not only a long term customer with a perfect payment history but a member of the armed forces with about as stable an income source as one can get.