23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against WORLD FINANCE CORPORATION for committing identity theft. I have never given WORLD FINANCE CORPORATION any permission to use any of my identifying information to commit mail and tax fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 usc 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WORLD FINANCE CORPORATION can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and WORLD FINANCE CORPORATION continues its collection efforts, I will file for litigation for actual damages caused and WORLD FINANCE CORPORATION will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXXXXXX 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
Product: Credit card or prepaid card

this is an escalation to my XXXX  complaint id XXXX filed on XX/XX/23. Citi has failed to fix any issues regarding my account. the XXXX  complaint is attached. 

my account is still locked and I'm unable to use it. 

the pending fraud charges they alerted me on no longer has any trace in my account history on my end. 

my entire chat history is still wiped from the beginning of time. 

no letter received with a code. not like it would do me any good anyways given its just communication issues regardless. 

other issues described in the XXXX  complaint. 

I'm sick of these games with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. Additionally, XXXX XXXX Code XXXX XXXX ( a ) ( XXXX ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Transunion and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt in order to file as ordinary income. Where is my 1099-C XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX, Transunion and XXXX are not an affiliate of XXXX XXXX nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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
Product: Debt collection

My credit report is showing multiple collections, one from XXXX XXXX XXXX, and one from Credit Collection Service XXXX. I did not receive written notification about this debt so I never had a chance to dispute on my behalf. I am requesting debt validation according to 15 USC 1692g I am requesting the original contract I signed guaranteeing that I pay this debt, a detailed list of the history of payments made on this debt, has there been an insurance claim made on this debt, proof that you have chain of title to collect on this debt. Without providing any of this information I am requesting this debt be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents on why i am so disappointed because of what is happening on my credit report.
Product: Checking or savings account

I am a resident of XXXX XXXX XXXXXXXX and I am complaining against Citi Bank for my account Bank. On XX/XX/year> I opened a checking and Savings accounts with Citi Bank at CITIBANK , N.A . XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, NY XXXX. The Banker who opened the accounts is XXXX XXXX, Personal Banker NMLS ID : XXXX, phone number : XXXX XXXX. 
On XX/XX/year> I send a wire transfer, reference number:XXXX, then Citi Bank blocked my accounts for fraud. Since then, I have been calling the Department of fraud, and they told me that they are going to send me a letter which will contain a reference number which they will use to unblock the accounts. The Department of Fraud has been requesting three 3 times that those letters being sent but the Department which suppose to print them out and send them never done it. Consequently, its been two 2 months I can not use my money, I mean my own money I deposited in the Bank.
Product: Credit card or prepaid card

On XX/XX/2019, I visited my mailbox and discovered a letter from Associated Bank Cardmember Service indicating that I would be required to either respond or use my credit card by XX/XX/2019, in order to have my account kept open. Since I did not receive the letter until the beginning of XXXX, the account had already been closed. 

I called the Cardmember Service line and spoke with a representative, who said the account had been closed on XX/XX/2019. He instructed me to submit a letter to Associated Bank requesting that my account be reopened. I did so. That letter was mailed on XX/XX/2019. 

On XX/XX/2019, I received a letter dated XX/XX/2019 from Associated Bank Cardmember Service indicating that my account had been closed for longer than 30 days and could no longer be reopened. I called Cardmember Service that same day and spoke to a supervisor, XXXX. XXXX said she did not dispute that I had received the initial letter too late to act, nor that I had postmarked my request to reopen the account on XX/XX/XXXX. However, she said, the postal service was not Associated Bank 's responsibility, and therefore, my account would remain closed unless I wished to reapply. 

In summary : 1. Associated Bank sent me a letter asking me to act to preserve my account by XX/XX/2019. I did not receive that letter until XX/XX/2019. 
2. I spoke with an Associated Bank representative on XX/XX/2019, and was advised to send a request to reopen by mail. I did so on XX/XX/2019. My letter explained the situation in full and was dated XX/XX/2019. 
3. I spoke with an Associated Bank supervisor, XXXX, on XX/XX/2019, who did not dispute that I didn't receive sufficient warning to preserve my account, nor that I had requested that my account be reopened within the 30 day deadline. Despite this, she advised me that Associated Bank could not reopen my account and I would have to reapply.

I have made a good faith effort to follow their instructions in order to keep my account open. Closing, reopening, and reapplying for credit cards does damage to my personal credit score. I have been an Associated Bank customer for almost a decade, and I'm shocked that they would let our working relationship end in this terrible way.
Product: Credit card or prepaid card

Card was opened in my name as a result of identity theft. Informed company that account wasnt opened by me and is identity theft back in XXXX sent a copy of my police report but claim was never reviewed. I have been reaching out since XXXX and each time was told not reviewed will forward now. Was recently told account matches with my phone, email, mailing and checking account. Sent in documents to show those account were also opened under identity theft and have been cleared and closed. No response for additional documents proving this account is not mine. In addition I was not living in the state where the account was opened since 2015.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, personal loan, or advance loan

I had a line of credit with my bank that's terms state if 2 missed payments the account would be closed. I got an alert a payment was missed. I went to make a payment and it rejected my payment. Spoke with a representative that stated I missed a payment in XXXX but paid in XXXX and missed a payment XX/XX/XXXX ( these are automated payments ) to my knowledge prior to this my account was in good standing, the representative said my missed payment for XXXX was because the account had already been closed on the payment date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2024 I noticed 3 charges I did not make or approve. Called fruad right away to report it. The 3 charges were : XXXX XXXX for {$81.00} XXXX XXXX for XXXX XXXX XXXX for XXXX I had my physical card with me, all of these were online purchases through shop pay that I did not approve nor did I approve someone else to use my card
Product: Payday loan

They saying I had got a pay day loan but I did n't
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with the fraud/security department at XXXX XXXX Bank on XX/XX/XXXX and XX/XX/XXXX. They said they approved my request to have this account removed from all credit reporting agencies because its not mine and the account has a billing different address that isn't mine. This account was opened XX/XX/XXXX. Delete this inaccurate account because its not mine.
Product: Prepaid card

No access to my money already in account, direct deposits are n't being shown, Rushcard should be prosecuted.
Product: Credit card or prepaid card

I reviewed my credit report on XX/XX/XXXX  via  XXXX  and found a Kohl 's Dep artment Store trade l ine on my  XXXX  and  XXXX  credit report, however, I never applied for the card in question, which list me as an authorized user.  <P/> Date opened  XX/XX/XXXX  ; amount {$490.00} listed on my   XXXX   report and {$540.00} listed on my   XXXX   report. I have tried calling Kohl 's, however, I am still awaiting a response, so I decided to file my complaint through the consumer finance agency.
Product: Credit reporting or other personal consumer reports

Transunion is reporting information on my Transunion Tenant screening report of inaccurate information that was removed off of my actual credit score report I've called them to get information on how are they reporting wrong information and that it needs to be removed as they have the wrong information present on my report.
Product: Credit reporting or other personal consumer reports

Dear TransUnion : Hello and hope all is well Regarding XXXX XXXX XXXX  charge off accounts FCRA Violation XXXX XXXX XXXX ( i ) Requests for deletion for XXXX XXXX XXXX  charge offs On XX/XX/XXXX I contacted customer service and spoke to a kind supervisor named XXXX after a lengthy call from another agent. I was told that the only investigation that was done on the XXXX XXXX  charge offs was a computerized submission to the creditors. 
As I mentioned in another complaint, the investigations must be impartial, but they must also be reasonable. Upon investigation, it is found that the submission and verification process takes only seconds and certainly is not thorough. Because of this, the two XXXX XXXX  charge offs contain information that is not accurate. On the one with the balance of {$2400.00} the year of birth with XXXX XXXX  is entirely different than it is on the Trans Union account and on the account with the balance of XXXX the date of last activity on the Trans Union account is different from XXXX and XXXX. Both of these accounts are also medical debt which I will report in a different complaint. 
15 USC 1681 ( I ) provides that I am to be given a REASONABLE investigation and these investigations must have been completed within 30 day period. The date for the REASONABLE investigation would have expired in XX/XX/XXXX. The investigation that shouldve been done should have also been impartial, but it was not impartial because it was handled 100 % by the creditor which is a business partner of Trans Union. 
a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
My rights under the fair credit reporting act have been violated. The investigation that I requested in XX/XX/XXXX should have been not only reasonable but IMPARTIAL but instead it was turned over for a split second decision by the creditors who are financially influenced by Trans Union. Because of this, the information is inaccurate on my credit report and Im requesting that the two XXXX XXXX  charge off accounts be deleted at once. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good morning, I need clarification as to why you are reporting certain information on my credit report. 


Please review the following : Vance and Huffman LLC I am aware section XXXX requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please email or mail me this documentation otherwise delete this unverified account from my credit. 



Email : XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX, La XXXX Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

been battling XXXX and id theft for more than 7 YEARS NOW I DONT KNOW WHAT TO TO ANY HELP WOULD BE GREATLY APPRECIATED FILED FTC, POLICE REPORT TO XXXX AND XXXX COUNTY
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Product: Debt collection

On XX/XX/year>, I settled a debt with XXXX XXXX XXXX by paying the amount they offered by the deadline they stated. The amount was XXXX and the confirmation number for this payment is XXXX. They still sold the account to collections. I have been contacted by Jefferson Capital and even after disputing this debt it still shows on my credit report. I sent the documentation that I settled this by email and USPS mail yet they still call me multiple times per day, email me and text me and refuse to remove any negative remarks on my credit profile. 
Jefferson Capital contracted another company, XXXX XXXX XXXX, to collect on this debt. However, based on my previous complaint and documentation provided, they ceased. Now I want the same from Jefferson Capital.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute 6 inquires from XXXX since XXXX. All 6 of these inquires are from a car department that i did not authorize these inquires. I stated I already had financing through my credit union. They asked for my SS, and stated it wouldnt be used for inquiries or to pull credit they just needed it on file. I had my credit report locked, he said they wouldnt be able to get in contact with my credit union unless it was unlocked. I unlocked it and they ran XXXX inquires to other credit unions to find me the best deal when Ive been a member with my credit union for 10 years.
Product: Money transfer, virtual currency, or money service

They charged me for Bitcoin, asked for verification and documents in order to send it. I complied. Then when I went to send it they told me it was not possible. They charged me {$100.00} for my {$4000.00} XXXX, but did not give me possession of my XXXX, they charged me another {$100.00} to sell it, then they locked my remaining {$3800.00} left. This money was intended to help a XXXX XXXX across the world. I talked to 7 customer service representative and they all hang up as soon as I let them know my problem. I'm out {$200.00}, my relative is XXXX, and I'm out XXXX until the account is unfrozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to Equifax on this issue of fraudulent accounts as well as the creditor the accounts are listed below all are fraudulent accounts reporting on my Equifax account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3100.00} XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$680.00}
Product: Credit reporting or other personal consumer reports

I have disputed this account several times. It keep coming back unchanged. This account was included in my bankruptcy filed on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. Case Number : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you
Product: Credit reporting

I pulled my credit report, and there are XXXX inquiries, of which I did not make. I sent a letter by fax asking hat they be removed, and I also called Experian directly and spoke with XXXX. He said that I would have to have a letter from each company stating that I did not request these inquiries to have them removed.