23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I advised to XXXX XXXX XXXX that there is no proof of me owing them. They advised that they have proof but I have not received the original of a contract that has my signature stating that I owe them. They say its for a loan with XXXX XXXX but I have proof that the loan with XXXX XXXX was completed so this is Theft of personal information including social security number, physical address and email address. This company advised Independent Capital Recovery contracted them to handle the account but when I complained to Independent Capital Recovery they advised to resolve the issue with XXXX XXXX XXXX neither company has any rights to my personal information and I do not owe either company. Cease and Dismiss and both company 's need to be investigated for their faulty practices. Also Independent Capital Recovery advised they had my information from XX/XX/2024 to XX/XX/2024 without sending a validation notice that is also theft of personal information.
Product: Credit reporting or other personal consumer reports

Acct Name : XXXX XXXXXXXX XXXX According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Delete this collection Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).
Product: Debt collection

Hunter Warfield attempted to collect a {$1600.00} unpaid rent debt after the original owner sent documents on XX/XX/14 updating the debt to {$800.00}. On XXXX, they were told in an email by the original owner that the debt is {$800.00} after I attempted to dispute the debt, but promptly ignored the message and continued to go after the {$1600.00}. The investigation after this has been open for a week, and should already be resolved as I sent the document and email proving said debt was not {$1600.00}, provided by the original owner.
Product: Credit reporting, credit repair services, 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 15 USC 1681 : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX {$490.00}, The XXXX XXXX XXXX XXXX XXXX ) {$810.00} XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ) {$260.00} XX/XX/XXXX, XXXX XXXX XXXX  {$410.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$2000.00}, Department of EducationXXXX XXXX. 

15 USC 1681 section 602a. states I have the right to privacy.

15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency mau make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Hello Here, I am writing here asking for help with a recent case that happened with my disputing a change from United Airline to my Chase account. 

I made a purchase through XXXX  for one ticket ( ticket A ) for my mother on XX/XX/2021, and because of the COVID situation, we adjusted the flight date several times on XXXX XXXX, XXXX, XX/XX/2021 with several additional charge transections. On XX/XX/2021, I brought another ticket ( ticket B ) for my wife so she can fly with my mother. 

On XX/XX/XXXX, we decided to upgrade the two ticket, so there is an additional charge with the upgrade. However, because ticket A and ticket B has different original value ( meaning we payed more for ticket A to start with ), the two tickets should be changed different amount when upgrade. The ticket A has an original value of {$4700.00}, and ticket B has an original value of {$4100.00}. When we upgrade the ticket to a value of {$5100.00}, ticket A should be changed for {$440.00} and ticket B should be charged {$1000.00}. This is correctly reflected on our receipt from XXXX ( attachment 1 ). However, XXXX  has incorrectly charged me two times of {$1000.00}, whereas one of the charge should be {$440.00}. 

I have communicated this issue with Chase. But chase decided not to return my money with a letter did not explain why ( attachment 2 ). I am writing to ask for your help regarding this issue, and looking for suggestions. My email address are XXXX if you need to contact me for additional information. 

Thank you for your help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requiring immediate corrective actions, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WESTLAKE FINANCIAL SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute with a landlord due to pests in the apartment was reported by TransUnion as a judgment of eviction. However the dispute was a tenant dispute that required the landlord to resolve the vermin in the apartment and rent was withheld until the landlord resolved the issue. The motion went to court but no judgement was given to the landlord. Transunion is reporting it was a judgement for eviction but it was not and the case was dismissed once the landlord agreed to resolve the issue as order by the court. 

The judgement ( entered in on XX/XX/2016 ) by TransUnion at XXXX XXXX is beyond the statutes by law to report this information and should not even be on my report. I have attempted to have TransUnion remove the judgement more than 3x but they have not complied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a new home construction loan with United Community Bank. Once construction was complete the loan was converted to a traditional loan. During the conversion 2 loan numbers were created for my home, one thru the banks servicing agency and one with the bank. Both loans are showing the total amount of my home is due. This means I have double the debt on my credit reporting. I have contacted United Community Bank thru the customer service call center, my loan processors ( XXXX XXXX & XXXX XXXX ), regional managers ( XXXX XXXX, in XXXX XXXX  defense she's only known a couple of weeks ), and the collections department all with no resolution. I have sent in multiple statements showing the 2 loan numbers and cashed checks. In one instance I sent a cleared check for XXXX and XXXX and I was told XXXX XXXX payment was still late because the bank did not process it on time ; the check was cashed on XX/XX/XXXX but wasn't applied until XXXX. It's completely ridiculous. I am repeatedly reassured the problem is solved but the loan has not been removed from my name. The bank has stopped credit reporting delinquencies on me but my credit is hurt because of the large amount of debt and my wife 's credit took a 200 point hit because they are still reporting on her. This has been going on since XXXX, it's been constant stress on me and my family, it's embarrassing, and infuriating. We wanted to refinance to a VA loan while interest rates were still low and remove the PMI payments but we are handcuffed. This problem will cost me thousands over the upcoming years.
Product: Checking or savings account

After fifty ( 50 ) years of having an account with US Bank, someone changed my mailing address without discussing the matter with me. Furthermore, there's no notes/documentation as to when this happened, who did it, as well as no rationale as to why the change was made in the first place. Reps/supervisors that I spoke to tried to make me feel and think that this is the norm. I can't think of any other industry/business where this would be legal. 
Sadly, they ignored my stress and frustration. And, I specificially requested the statement that covers XX/XX/2021 - XX/XX/2021 which has the XXXX, WA address. No such luck, even though I reminded them that I never authorized an address change nor did anyone indicate to me that an address change was necessary XXXX no rationale ). 
The address change was brought to my attention on XXXX by US Bank rep named XXXX. He stated that he would reinstate my XXXX, WA asap. That never happened, no accountability. Also, a rep at the XXXX # informed me that she would send me a copy of the statement dated XXXX, with the XXXX address and if I needed a copy sooner, I could just go into the nearest bank and request a copy with the info in tact. I went to the nearest bank XXXX XXXX & XXXX XXXX but the changes were not noted. She made no notations/documentations regarding our conversation. Later, XXXX stated that this lack of documentation was not unusual. 
I spent an hour and a half on my cell phone trying to resolve the problem, no luck. To add insult to injury, at no time did the manager of the bank asked if I needed any assistance. This reflects the best services that I can get after being a customer for fifty years.
Product: Debt collection

I received a paper notice on or around XX/XX/XXXX from Phoenix Financial Services about a debt they stated I owed. They gave directions on how to dispute this debt if I did not believe I owed it. Those directions provided for a dispute via their website, among other options. I disputed the debt and requested validating information via the website on Sunday, XX/XX/XXXX. The website did not provide a confirmation code, which I found fishy- very easy to deny receiving any such correspondence. I followed up with the only email I could find available to the public : XXXX. In that email, I stated the following : " Good evening, In response to your letter dated XX/XX/XXXX : I dispute this is my debt. I dispute any knowledge ofcharges which would match the original creditor or subsequent holders. I request any signed invoices or other legal forms of validation that this debt is mine. I have submitted a similar dispute via your online form, but it did not provide a confirmation number. I request that all contact is done via XXXX mail in response to this email. 

Respectfully, XXXX XXXX This was sent via my personal XXXX account at XXXX XXXX  on XX/XX/XXXX. The company did not reply in any form : Electronic, or the requested postal mail. Today, XX/XX/XXXX, I have received a notice that Phoenix Financial Services has placed an account for collections on my personal credit report- without ever responding to my request for information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem is with the reporting a negative item by XXXX XXXX XXXX XXXX. 
This IS NOT in dispute of the accuracy of the information provided by company. This IS NOT in dispute of any information used as verification. 

This dispute is in accordance to the FCRA violation of 15 U.S code 1681A ( 2 ) ( a ) ( i ) which states : 1681A Definitions ; rules of construction ( 2 ) exclusion ( a ) a consumer report SHOULD NOT include any_ ( I ) Report containing information as solely to transaction or experience between consumers and persons The attached documents show that this account is a transactional account ( deposit checking overdraft ) and does not report within the FCRA guidelines. This the type of account that this law was put in place for.
Product: Debt collection

I received a letter from Credit Controll LLC. XXXX seperate addresses are listed- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MI Credit Control , LLC XXXX XXXX MO XXXX I went to the Credit Control website and called their customer service. I was asked to give my full name, reference number , street address, and last 4 digits of my social security number. I declined to give the last 4 digits and was told I had to so I did. 

I requested information about my debt from XXXX XXXX XXXX XXXX, XXXX and was hung up on. I called three times and each time I was hung up on. I also emailed Credit Control , LLC directly requested written documentation and did not get an answer. 

I tried calling XXXX directly but was told that they can not provide information once a debt is given to a debt collector. 

I have written documentation from XXXX that I completed payments for my lease. My XXXX XXXX account also shows that this line of credit has been closed. 

I am unsure if this was a scam. I did not pay any money to the company, but I did provide the last 4 digits of my social security.
Product: Credit reporting, credit repair services, 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 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts and delete from report : 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 However, they stated everything was complete and accurate. Even after uploading proof from the following creditors that they accounts were not mines and should be deleted, they still remain on the bureau illegally. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. I have also attached a copy of a recent letter for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting a collection account that is recorded on my XXXX  and Transuion credit reports. I have, in the past, protested this account through XXXX and Transunion, with unsatisfactory results. 

The collection account is for XXXX XXXX in the amount of {$700.00}, and has been on my record for more than six years. 

The original debtor, XXXX XXXX XXXX, was at no point in time opened or used by me. Claims otherwise constitute fraud by the creditor or a third party. Therefore, this collection account should be removed from my credit report record.
Product: Credit reporting, credit repair services, or other personal consumer reports

the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX XXXX  Account Number - XXXX Late Payment - XX/XX/2017 Please update as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

called bank to reactivate my online banking to be able to view past statements as well as make payments online for my credit card. After waiting 22 minutes and transferred 1 time I was told that unless I had an ACTIVE account with the company I could not view or use bill pay to pay said credit card. 

This bank is such a XXXX XXXX XXXX XXXXXXXX they never want to correct the errors that they allow to happen to the customer and when you get a case with the excecutive team they dont even call to speak to you and make their own decisions without even speaking to you. 

this bank allowed a XXXX car rental agency to XXXX XXXX my entire banking relationship and get all accounts closed plus the credit card. They still dont offer any help to this nature of consistent LACK of CUSTOMER SERVICE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 2024 Experian XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX RE : Reinvestigation of Profile Upon Investigation of my consumer report with Experian Ive come across inaccurate information. In Accordance with the Fair Credit Reporting Act the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Personal Information : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Also Accounts : # XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX of XXXX Employment History : XXXX XXXX XXXX XXXX XXXX This list of accounts has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681 C. ( a. ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 3-2 ( 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.

Upon reinvestigating and finding of fact please remove and all accounts listed above immediately Thank You, XXXX XXXX XXXX. 
XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated in previous correspondence dated XXXX I received a copy of my Equifax consumer credit report and found the following item ( s ) to be in error, inaccurate, and unauthorized. : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry XXXX XXXX 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XXXX 11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 16. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XXXX 17. The inquiry was not authorized XXXX XXXX Date of inquiry XXXX XXXX 18. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 19. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 20. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 21. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 22. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 23. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 24. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX