23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, after reviewing my credit report. I made an attempt to discuss my credit debit with Midland Credit Management, and I tried to get a settlement statement from them, they didnt agree to speak to me or agree to send settlement statement. I am a XXXX, homeless XXXX person with very low income trying to resolve issues on my credit in order to get a place to live. And this company would not cooperate at all. I had 1 collection with this agency, Midland Credit Management that I paid in XXXX, And the debt is showing on my credit report as of XX/XX/XXXX in amount of XXXX $ and I paid this account in XXXX, XXXX and I have copies of check that was mailed to creditor, the amount showing now is {$630.00}. Almost doubled and I paid the full amount due in XX/XX/XXXX. This needs to be resolved and removed due to Midland Credit Management services will not cooperate with me!
Product: Debt collection

I received an email message from XXXX XXXX XXXX  on XX/XX/2020 indicating " They have been trying to reach me to resolve an outstanding balance with XXXX  XXXX XXXX  ''. Furthermore, the header message of the email is as follows : " Action required. Your account may be forwarded to an attorney. ". XXXX XXXX XXXX   sold my account to LVNV Funding several years ago. There was an outstanding balance, which was settled for less, with a company previously engaged on behalf of LVNV Funding. The representative at that particular company was a woman named XXXX XXXX. Although, despite my countless attempts to receive a formal " settlement agreement '', I was advised upon payment of the agreed upon installments, my account would be marked paid in full. Subsequently, LVNV Funding continues to attempt to collect the small remaining balance and has negatively impacted my credit rating as a result of failing to " satisy '' my account. XXXX XXXX XXXX   message is as follows, " We have been trying to contact you to help you resolve your outstanding balance of {$510.00} with XXXX  XXXX XXXX, XXXX If we are unable to assist you while your account remains in our office, our client will recall your account and may forward it to an attorney. Please avoid this situation by selecting one of the following payment options : A one-time payment of {$250.00} Twenty consecutive monthly payments of {$25.00} XXXX XXXX XXXX  has implied there is monies owed to XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX  has misrepresented on whom they are acting on behalf, XXXX XXXX XXXX sent a clear text message to a shared email address containing confidential information, XXXX  urges immediate payment or face to the account being recalled and sent to a lawyer, XXXX XXXX XXXX  implied they have been trying to reach me, this was the 1st communication I had received from XXXX XXXX XXXX. LVNV Funding had been notified of the balance dispute via a direct filing with the credit reporting agency. LVNV Funding has not taken any action, nor provided any response to the credit dispute. In countless way, XXXX XXXX XXXX  and LVNV Funding have violated rules under the FDCPA.
Product: Debt collection

( # 1 ) Upon reviewing my credit reports, I found a collection account listed under a company called LJ Ross. On X/XX/17, I sent them a letter disputing the account. I requested validation of the debt. They were informed that if they can not validate the debt that as per FCRA 611 ( a ) ( 5 ) ( A ) they must delete it. They had 30 days to validate/verify this debt. ( # 2 ) This is proof that LJ Ross received and signed for the letter on X/XX/17. ( # 3 ) Collection letter from LJ Ross dated X/XX/17 received telling me that XXXX had turned this account over to them and that I had 30 days to dispute the validity of the claim, although I have proof that they had already signed for and received the dispute on this account. ( # 4 ) These are copies of the LJ Ross account on my XXXX account showing that they complied with the FCRA regulation to mark my account as disputed. They did this within the required timeframe. ( # 5 ) Letter from LJ Ross dated XXXX/XXXX/XXXX, This was a basic letter saying they received my dispute, they enclosed 2 statements and that was it. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized statement does not constitute verification. ( # 6 ) Copies of the XXXX statements sent with the above letter. ( # 7 ) My reply letter to LJ Ross dated XX/XX/XXXX. I let them know that they have AGAIN failed to provide me with any viable evidence of the account being reported accurately. They have basically put that account on my credit report, sent me an old statement with no proof and never responded again. ( # 8 ) Proof that the letter was received and signed for on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW!!! 


This letter is to inform you that I recently received a copy of my consumer report that your company publishes and after reviewing it, I found a number of items on my consumer report that are inaccurate. The accounts in questioned are listed below. Please send me copies of the documents that you have in your files as of this date that you used to alleged verify the accuracy of the accounts listed on my Consumer Report.

Under the Fair Credit Reporting Act, 15 U.S.C. *1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report file. Please do not respond to my request by saying that these accounts have been verified, because I do not have the documentation that you claim to have used to verify the accuracy of the accounts in question. Send me copies of the documents that contains my hand written signature acknowledging the below listed accounts. If you do not have any documentation in your files of these now disputed accounts, then you need to delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my consumer report and distributing them to third parties you are damaging my reputation and credit worthiness. You are furnishing consumer information on an account where you infringed upon my rights pertaining to privacy. According to 15USC 1681 the Transaction was private and was solely between the person and myself.

Under the FCRA 15 U.S.C*1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you will remove these accounts from my consumer report. 
You need to provide me with a copy of an updated and corrected copy of my consumer report showing these items were removed, I demand the following remove all the credit inquires not attached to verified accounts. I did not authorize anyone to run my credit.

According to Burden of Proof Under the Fair Credit Reporting Act, 15 U.S.C.1681e ( b ) ) requires that a credit reporting agency follow " reasonable procedures '' to ensure maximum accuracy in credit reports. It is a matter of National security when a consumer who is apart of the Country 's XXXX XXXX  privacy is violated and or breached.
Product: Checking or savings account

Regarding the complaint I have submitted on XX/XX/2018 and the info is below. 
I have received call from Bank of America and They promised me again contact me on XX/XX/2018 but they didn't and they didn't fix the issue. 
please help me to fix the issue with them. 

This is the ifo of the ticket i submitted : XXXX XXXX XXXX XXXX Checking account Opening an account BANK OF AMERICA VISA XX/XX/2018 Open Company response is in progress as of XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment reporting on my Discover account on XXXX XXXX XXXX. I have tried to reach out to discover to fix this issue but have yet to hear back anything from them. I have a simple request/explanation as to what happened. During the month of XX/XX/2022 I was out of town to attend my grandmother 's funeral in XXXX. At the time I had my secretary make sure all of my bills were paid which included my cards, my rent, etc. All of these payments were made however for some strange reason I noticed my discover hadn't been paid. Of course I am with my family and I thought my secretary had everything paid so this is the last thing I am thinking about. As soon as I noticed my Discover account was not paid I made a payment that same day. I wasn't even more than a week late, it was a couple days after when I noticed and immediately made the payment. I love my Discover credit card and hope to do business with Discover in the future, however this was a huge life event which I didn't expect and as a result my Discover card was a couple of days late. I am asking for forgiveness and goodwill late reporting to be removed. This is affecting my whole ability to obtain credit in my life and it is not fair I have paid every bill in my whole life on time and one month where I had a family emergency I am being punished and will not be able to obtain credit for 7 years! I hope this can be resolved, again this is a situation out of my control and I don't think I should be punished as I have always been a 100 % on time customer and always pay off my card in full when I use it. Thank you for understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments need to be deleted from my account as they are not valid or legal. The errors were made by XXXX XXXX and Capital One failing to notify me in advance that Capital One refused to honor the XXXX XXXX  program. The contract indicating the credit card payments and accounts were transferred to a third-party company. Additionally, Capital One customer service advised me to file a dispute and the late payments would be removed from my credit. This has still not happened and needs to be corrected immediately.
Product: Debt collection

The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to appropriate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Credit reporting or other personal consumer reports

To whom it May concern, I am writing to file a formal complaint against TransUnion regarding the investigation process and failure to properly address disputed accounts on my credit report. My XXXX credit report has been subject to a data breach which contribute to the erroneous reporting of these accounts on my credit report. I have compiled with all Transunion 's request for proper documentation including submitting proof of identity and supporting evidence to substantiate my disputes. Despite this TransUnion has failed to conduct a reasonable reinvestigation are comply with its obligation under the FCRA, specifically, under 15 USC 1681 e ( b ), 15 USC 1681i ( a ) ( 1 ), 15 USC 1681i ( a ) ( 5 ) and 15 USC 1681C-2. After reinvestigation, if the disputed information can not be verified, TransUnion is required to delete it from my credit report. The continued presence of these accounts without verification or substantiation, is a violation of this provision of 15 USC 1681i ( a ) ( 5 ). 
Sincerely, XXXX XXXX XXXX XXXX.
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 according to XXXX-Debt 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 CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX. {$160.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX. {$230.00} XXXX XXXX. {$1900.00} XXXX XXXX XXXX. {$180.00} XXXX XXXXXXXX XXXX. {$2100.00} XXXX. {$15000.00} XXXX XXXX. XXXX XXXX XXXX. {$2200.00}
Product: Vehicle loan or lease

I got a truck from US Auto had a warranty on it truck was making loud noise took it back to us auto, told me to call my warranty number said no warranty with them that us auto doesnt have a warranty with them and warranty is false to truck to them said they fix it. Called to see when truck be ready they gave me a date call XXXX they was close down then a month later west lake calling about payment but I dont have my truck and telling me payment still need to be made. No one told me they closed down. How do I owe and my truck wasnt fix or given back
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Capital One XXXX From XX/XX/XXXX until XX/XX/XXXX ( a total of 29 months ) Capital One has been reporting a charged off status on my credit reports monthly. I am more than sure they will report one for XXXX as well.
Product: Checking or savings account

I HAVENT EVEN BEEN ABLE TO USE MY ACCOUNT SOMEBODY KEEPS HACKING MY STUFF PRETENDING TO BE ME AND GETTING CREDIT MONEY OFF MY ACCOUNT WHICH HAS MADE MY ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

Letters were recieved in XX/XX/2023 i Called today which is XX/XX/2023 XXXX actions have been taken By the company. Compant which is Transunion Keeps hanging up. i have recorded call of them hangimg up on purpose.
Product: Checking or savings account

This morning I received an email from my bank, PNC, that my checking account 's balance is XXXX. I immediately logged in to my PNC app to transfer money from my saving account to my checking, but I didn't see my saving account. I rushed to the nearest PNC bank near my work, and shared my concern with the agents. They confirmed that it looked unusual, but they can not give me more information until they investigate more. After nearly an hour, I received an email from my agent. Here is the exact text from the message : " I made some phone calls and it does look like the accounts are being closed. PNC has already issued checks in the mail for the balances in your accounts, so Id keep my eye out for those letters. I tried to get a more detailed explanation, but since I am not the owner of the account PNC requests you call XXXX for additional info. 
I did inquire if we can open you a new account and our research team did say we can do that. If youre interested in getting re-established with a new account, Id be happy to schedule an appointment! '' I called the XXXX number, and the lady on the other end of the call informed me that PNC had decided to close my account, as they have the right to, and she was not able to give me absolutely any reason for that. 
As a 10 year loyal PNC customer, who has done everything legally and ethically to the best of his knowledge, I am shocked by this event. 
This will cause tremendous discomfort and will require massive effort to fix for me, since my account at PNC was the only bank account I had for the past 10 years and is linked to many of my financial transactions, such as Bill autopayments, student loan, car loan, etc. 
I am trying ro get to the bottom of this. If I have done anything wrong, I would like to be informed about that. 
PNC 's decision to just close my account out-of-the-blue, made me lose my trust in the company and it should make other customers reconsider trusting them with their financials.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> an unauthorized transaction in the amount of {$1500.00} was transferred on the PayPal platform and charged to my debit card that was attached to the account. This transaction was sent to a person named " XXXX XXXX '' and was described as " Fees '' As soon as I noticed the transaction in a matter of hours, I reported it to PayPal and the claim was almost immediately denied. I reported this transaction to my bank on XX/XX/year> and they initiated their own complaint with PayPal and issued a provisional credit to my account. On XX/XX/year> the XXXX XXXX was removed from my account and the bank informed me that PayPal had denied their claim.
Product: Checking or savings account

I received a call from a phone number XXXX XXXX XXXX ) asking me to provide my I-94 information to the agent. To convince me further on the authenticity of the call, he asked that I visit the ICE website to confirm that he is calling with the Washington phone number. He went on and on to say a legal file has been charged against me. He asked me to read loudly the rules/laws on the ICE website, he said I was under investigation and my crime is that I didnt file my alien registration number on my I-94. 

While on the call with him, a number was calling me repeatedly and he asked which was that? I said I dint know so he asked me to call out the number and he said I should check on the internet to find out who it was. I checked and the phone number is for the XXXX Police Department. 

He threatened that the Police have been given a warrant to arrest me and they are on the way to my house. The call was transferred to another lady who spoke to me about whether I choose to be arrested for my crime or I want to pay a Bond. The XXXX police Dept number also called and spoke with me about my arrest threatening that I have 25 mins to pay the Bond. 
I was made to transfer a total of {$2900.00}. After which they asked me to pay another {$490.00} as late payment fee. It was at this point I ended the call because I realised I had been hypnotized and scammed. 

The request for late fee got me snapping out of the hypnotised state. 
I ended the call and immediately called my bank to explain everything that happened. 

Note : Gave his name as : XXXX XXXX Batch No : ICE XXXX Police officer called with ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They issued me a Bond ID number : XXXX XXXX I was threatened to send money to XXXX XXXX proposed to be the legal attorney in charge of my case. She gave her number to transfer my Bond via my bank transfer - XXXX. I transferred {$970.00} three times as they instructed me.
Product: Credit reporting

I have an account on my credit report XXXX XXXX says it was opned in XXXX and now closed in XXXX. Explain to me how that 's possible. This is reporting incorrect information, and you the CFPB refuse to do anything about it. I also wanted to mention if Transunion is saying I have a bankruptcy, on my credit report. The way this is reporting is also wrong according to the federal bankruptcy laws & gt ; you can not have closed as Derogatory account on your report according to the federal bankruptcy laws Take a look at the way this is reporting Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Auto Lease Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$12000.00} Payment Status Unknown Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ 0 Times XXXX/XXXX/XXXX Days Late XXXX Remarks Chapter XXXX ; dispute resolved/ consumer disagrees Payment History Latest Status : Unknown No payment history has been reported by this creditor. 
Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

A debt collection company claims I owe them in excess of {$10000.00} dollars. Through disputes I have had over {$9000.00} removed as zombie debt by both XXXX  and XXXX In response to this, the debt collection company has filed suit against my former employer for wage garnishment. I believe suing a company for whom I no longer work, for debt that no longer exists, constitutes harassment. I intend to file a complaint with the Washington State Attorney General as well.
Product: Credit card

XXXX had a card since they 1st. formed a partnership w/Costco back in XXXX. We had 2 cards w/Citi-BK since there partnership w/ Costco. We closed our business & now they won't issue us a non business card. The reason is that we don't have history with any credit bureau in our names. We tried to tell them that we had business account with Citi since XXXX. They won't listen. They had to close our business account because of IRS Regulations. I checked w/ IRS & there is no such requirement. 
Here is our card information : XXXX XXXX. Card # XXXX XXXX XXXX XXXX XXXX XXXX. Card # XXXX XXXX XXXX XXXX. When I asked for an increase of $ XXXX & told them that we had closed our business & we are going to travel for a while. That is when the girl close the account. We have tried several times to re-establish our relationship w/Citi. No luck. Please help us. 
Sincerely : XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX  XXXX XX/XX/2015 {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit card or prepaid card

Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX andXX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.