23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to address the matter of a debt collection attempt made by company, CREDENCE RESOURCE MANAGEMENT, regarding an alleged debt. I am disputing the validity of this debt and informing that attempts to collect on it, contact me, or report it to my credit report are in violation of state laws. 

First and foremost, I want to emphasize that I have not authorized this company to obtain my personal information or to contact me regarding any debt. Therefore, any communication or collection efforts made by the company are unwarranted and unlawful.

Furthermore, I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant state laws. According to these regulations, debt collectors are required to provide validation of the debt upon request, cease communication upon being notified of a dispute, and refrain from reporting inaccurate information to credit reporting agencies.

I demand the immediately cease all collection attempts, refrain from contacting me further regarding this matter, and remove any negative remarks related to this disputed debt from my credit report
Product: Vehicle loan or lease

I am a victim of identity theft and accounts with XXXX XXXX was opened without my consent.
Product: Credit card or prepaid card

I ordered a tripod on XX/XX/XXXX for {$24.00} and paid another {$19.00} which is aprox 79 % of the total item cost for expedited 2 day shipping. I still to this day have never received the item and I can clearly see it was damaged by XXXX and the delivery was delayed with no update on when this item would be delivered. I called Best Buy approximately a week after I was supposed to receive my item and requested to at least be refunded the expedited shipping fee since I still had not gotten my delivery. I was told a refund would be issued within 24hrs. That never happened and I still have the entire amount charged to my Best Buy Visa Credit card. Today on XX/XX/XXXX at aprox XXXX I called again and was disconnected but received a call back from the Best Buy representative at XXXX and was on the phone with a Best Buy representative for another 27 minutes demanding a refund. I was told by the rep he could not issue a refund and that on his screen the item was delivered which is an obvious lie because Im looking right at the XXXX tracking information which clearly shows the item was damaged and the delivery was delayed with no additional information available. This male phone rep then blatantly lied to me and said that they do not have supervisors when I asked for a manager. I then said I do not believe he doesnt have a supervisor so he then said he didnt know when a supervisor would be available and that a supervisor cant help me anyway. This practice is absolutely absurd and a customer can not be forced to make payments on credit card charges for an item that was never received. My Best Buy card is a visa logo credit card that falls under consumer credit protection laws and I can not be forced to make payments and accumulate interest on an item never received. Please listed to the 27 minute phone call of this employee refusing to issue a refund and flat out lying about not having a supervisor.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for repeated failures to conduct a reasonable reinvestigation into inaccuracies on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I mailed a dispute letter to TransUnion, requesting an investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Bankruptcy Reference Number : XXXX. I also disputed incorrect names and addresses listed on my credit report. In an effort to verify my identity and address, I enclosed a copy of my photo ID, social security card, and a recent bill. 

Despite adhering to the FCRA 's dispute process, I received a response from TransUnion dated XX/XX/XXXX, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

Subsequently, I submitted a follow-up dispute on XX/XX/XXXX, with no response from TransUnion. For the third time, I sent a dispute on XX/XX/XXXX and received an identical response, once again asserting that they did not receive a properly authorized request. 

This consistent denial of a reasonable investigation, as required by the FCRA, is a violation of my consumer rights. The Act mandates credit bureaus to conduct thorough reinvestigations when the accuracy or completeness of any item in a consumer 's file is disputed.

I am submitting copies of my dispute letters, along with TransUnions responses, as evidence of my repeated attempts to correct inaccuracies on my credit report.
Product: Payday loan, title loan, or personal loan

I went to credible to only look at rates for an unsecured loan, after looking at rates I was done with the site and deleted my account. A month later I received an email from XXXX stating that they couldn't offer the full amount and that I was presented with a counter offer. I looked at the document and it was an adverse action notice for a loan that I never applied for ( was only looking at rates ), nor did I give any permission to the credible website to apply for a loan in my behalf. I wasn't looking for a loan at this time only rates.
Product: Credit reporting or other personal consumer reports

an address is reporting to my XXXX TransUnion and XXXX that I never lived at this address below is subject to fraud and identity theft. this address must be removed and blocked. 

XXXX XXXX XXXX., XXXX, pa XXXX -- fraud address
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I noticed a charge off and many collection entries from XXXX. XXXX XXXX XXXX, XXXX, Account XXXX. # XXXX XXXX. XXXX XXXX, XXXX, Account XXXX. # XXXX and XXXX. XXXX XXXX XXXX, XXXX, Account XXXX. # XXXX respectively trespassing on my XXXX XXXX XXXX, and XXXX consumer credit reports. I've requested that the consumer reporting agencies produce the original contract and after a month they still haven't responded to my notices. They are erroneously reporting a contractual debt and that a civil dispute exists us which is false, there is none to my knowledge. In accordance with the Fair Credit Reporting Act these reporting agencies have violated my rights as a natural person, and living human being numerous times. 

15 U.S.C. 1681, Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish a account without my written instructions. I demand in these instructions that the three accounts listed above ( 1-3 ), be removed according to 15
U.S.C. 1681.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX 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/XXXX
Product: Credit card

Barclays sold thee debt to a creditor. I paid the debt with the creditor XXXX XXXX  Account Purchased Current Creditor - Owner This is the name of the company that currently owns the account. This company XXXX outsource collection activity and communications to a third party. 
XXXX XXXX XXXX Seller The company that sold the account to the current creditor. 
Barclays Bank Delaware XXXX ID XXXX This account as settled closed and paid. But Barclays has listed on my credit report charged off.
Product: Money transfer, virtual currency, or money service

On XXXX-XXXX 2021 my account from Chime bank was hacked and my identity was compromised including funds linked to my credit union bank. Perpetrators used my account changed my email address and tried to transfer funds to an email account. Was able to get back my email address and close the account.
Product: Credit card or prepaid card

American Express closed eight of my personal and small business credit and charge cards with no notice. I was a card member for almost 10 years and never missed a payment, etc. No notice nor reason for the shutdown was given and they are not letting me talk with anyone on the phone. Additionally, no refund has been offered for the annual fees I paid for these cards, some as high as {$590.00} per year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending you a letters regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX  data breach and its your obligation to fix all these errors.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just noticed that my credit score dropped XXXX points for no apparent reason. It doesn't explain the reason for the drop as everything looked the same.
Product: Money transfer, virtual currency, or money service

I have an account with a company called Coinbase. Initially, when I opened the account, I was in the state of Wyoming. I initially purchased a virtual currency called bitcoin in the state and the exchange allowed me to do this. However, I wanted to buy more coin and they said I had to upload my Identification. Upon uploading my identification, Coinbase locked my account and would not allow me to access the funds already in the account. ( I had approximately {$50.00} in the account ).

I have since moved to colorado and attempted to unlock my account by uploading my Colorado ID per the instruction of Coinbase. That action was taken approximately 1 year ago. Coinbase still has not unlocked my account. The company told me numerous times they would unlock my account and said the case had gone to a specialist but still nothing has come of this. The company essentially steals money by locking accounts.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to file a formal complaint regarding multiple requests to correct late open accounts on my credit report, which have caused me significant frustration and concern. My name is XXXX XXXX, and I take my financial responsibilities seriously. 

Upon reviewing my credit report from Credit Bureaus, I have discovered several instances where open accounts are listed as late or delinquent, which are inaccurate and damaging to my creditworthiness. The credit report shows that several accounts were opened at a later date than they were actually initiated. This incorrect information implies that I have been responsible for late payments on these accounts, which is not the case. 

Negative Impact : These inaccuracies have had a detrimental effect on my credit score, making it more difficult for me to access credit and achieve my financial goals. I have always made timely payments on my accounts, and these inaccuracies do not reflect my credit history accurately. 

Frustrating Discrepancies : I have made multiple requests to correct these inaccuracies with 3 Credit Bureaus, but the corrections have not been reflected on my credit report despite assurances that they would be updated promptly.

I understand the importance of having an accurate credit report, as it is a critical factor in determining my financial well-being. These inaccuracies have caused me undue stress and frustration, and I believe it is essential to address them promptly.

I kindly request that the 3 Credit Bureaus take immediate action to investigate and rectify these issues on my credit report. They have to correct the inaccurate reporting of late open accounts to reflect the correct opening dates, update my credit report to accurately reflect my payment history and creditworthiness and provide me with a revised and accurate credit report as soon as possible, showing the necessary corrections. I have attached copies of my credit report highlighting the inaccuracies for your reference.

I trust that Credit Bureaus will take the necessary steps to rectify this situation promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. Specifically, I request the following late open accounts to be corrected right away : XXXX XXXX XXXX Balance : {$97000.00} XXXX  XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, has violated my rights 15 USC 1681 ( 5 ). The creditor by law is to report complete and accurate information to each credit reporting agency 15 USC 1681. Also states this law XXXX, Equifax, and XXXX has failed to abide by this law. I have disputed this account multiple times about the inaccuracy on the credit report and nothing has been done. I have called multiple times about this account and nothing has been done. I am demanding deletion of this account due to the inaccuracy on the credit report, as well as the laws that were violated.The creditor names are XXXX XXXX, and XXXX both accounts show and incomplete and in accurate information the balances payment history contract terms account status original creditor information is not shown are not complete and accurate across-the-board with all three credit reporting agencies which is in violation of 15 USC 1681 complete and accuracy
Product: Credit reporting or other personal consumer reports

These items are false and violate the Fair Credit Reporting Act ( [ 15 USC 1681e ] ( b ) ). Your agency is obligated to ensure the accuracy of the information you report.

Furthermore, under [ 15 USC 1681b ] ( a ) ( 2 ), you have disclosed my private information without my consent, infringing upon my rights as outlined in [ 15 USC 1681 ] ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded additional documents also have a Identity report they still refuse to remove information off my credit report I have no knowledge of these accounts and its hurting me to apply for anything.
Product: Mortgage

In multiple instances over the past months, I've contacted " The Money Source '' about our existing mortgage, in regards to removing PMI or Private Mortgage Insurance. 

Given the values, and appraisals rising on comparable home sales, I would like to see my PMI removed from the loan, since we will be below 80 % LTV now, with our outstanding balance being below XXXX XXXX 

They told me that once I paid an evaluation/appraisal fee of XXXX dollars, they would do their work to ensure the property reaches the threshold needed ( {$270.00}, xxx ) given our remaining balance, to reach 80 % Loan to Value. These fund have been paid for this purpose by myself and my wife. 

I've been told on several occasions that the work has been completed and the PMI is in process of removing. Since those instances, I was contacted and told that they are awaiting me to give further documentation of " upgrades to the property '', ( which is not needed, and they've also given contradictory stories on this ). This may be something THEY would like to see, but is not required. 
After speaking with someone in a supervisory role, they said that they do not work in the department that sends out the appraiser/evaluator that does the valuation, but that they would contact me to schedule this. I have not yet been contacted for this purpose, or at all. 

I feel like I am getting passed around and getting the 'run-around '. 

Once a consumer request removal and the loan reaches 80 % Loan to Value, it must be removed per RESPA/various other acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOOKED AT MY CREDIT REPORT AND NOTICE INFORMATION WAS LISTING ME LIVING IN XXXX, TN AND ACCOUNTS OPEN AS WELL MY INFORMATION MUST BE APART OF A DATA BREACH CAUSE I LIVE IN XXXX, MS THESE ACCOUNTS DO NOT BELONG TO ME.
Product: Debt collection

On  XXXX / XXXX / XXXX  a person called me from  XXXX   Abiility Recovery Services. Attempting to get pa yment from an ER visit for my son that took place o ver two  years ago on  XXXX / XXXX / XXXX . I have received no bill, no written communication, nothing   in two years. He claims the doctors that treated my son were from a doctors group, they failed to bill and now could not bill as they were no longer associated with the hospital.
I became irritated with him as my son was fully insured and if they did n't bill him that 's their problem, additionally, why I am being bothered with this two years later?
He began berating me because I used the S word ... ..telling me that " I was speaking to a " legal professional '' with 20 years experience '' Then he said " I understand you are in a bad place, but it 's a  bout to get much worse, ''.     I asked him if he was threatening me and he said " if that 's how you want to play this ... yes I am. '' This is in direct violation of the law, I would like them fined and sanctioned immediately, Additionally, I 'm in a bankruptcy, The hospital where my son was treated was notified and filed no claim. When I told him this he said " How was I supposed to know that?? I 'm done with you ... .have your lawyer call me. '' And slammed down the phone in my ear,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was Deleted from my XXXX XXXX XXXX credit report due to company not being able to provide Purchase Agreement & Assignment Contract with wet ink signature binding both parties or XXXX for cancelation of debt. Despite the Deletion from XXXX XXXX XXXX XXXX is still reporting to EQUIFAX inaccurate balances, dates which moves the statute of limitations as well as other inaccurate information. XXXX XXXX XXXX XXXX XXXX is also reporting this exact same debt. This is a violation & holds grounds for deletion. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted. Also a 1099-C is required under IRS regulations for the cancellation of debt, and was never produced. This company continues to change its name so it is difficult to report them through the CFPB portal XXXX XXXX XXXX XXXX XXXX XXXX XXXX are now XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes against XXXX for reporting an inaccurate balance to XXXX, Equifax and XXXX, 4 times in XXXX and XXXX more times in XXXX, each of those times the credit bureaus claimed XXXX confirmed the accuracy of the balances they have been reporting. However, that is not possible as XXXX themselves have admitted reporting the wrong balances to the credit bureaus starting from XXXX through XX/XX/XXXX. They have even sent me a check reimbursing me for the amount they claimed I owed which I did not. I have attached the letter which states the following ; Were writing because we discovered that you were not reimbursed for finance charges as part of a previous credit card dispute. To correct this error, we have issued you a refund for the finance charges and any applicable fees and interest associated with the failed reimbursement. 

For the record I have not and do not intend to cash this check as I believe the amount XXXX owes me is far greater. However, XXXX admissions clearly confirms they have been reporting wrong information to the credit bureaus and have wrongly denied my disputes. As a result and per Federal and State of Michigan laws, XXXX, Equifax and XXXX must delete these tradelines immediately. If XXXX attempts to deny my request they are recklessly and deliberately breaking the law for the sole purpose of causing me harm. This dispute will be followed with a lawsuit against XXXX to recover damages. The letter I have provided is a material fact.