23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV Funding LLC contacted my work about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from LVNV Funding LLC nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$350.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.
Product: Credit reporting or other personal consumer reports

I am now requesting regarding the previous investigation. I am requesting in accordance with FCRA 611 ( a ) ( B ) ( 6 ) ( iii ). Send me the Procedures used that led to my dispute to be verified. I submitted my dispute via CFPB # XXXX on XX/XX/XXXX and your agency acknowledged receipt on XX/XX/XXXX and sent me information XX/XX/XXXX stating that my dispute was verified. 
I am requesting all records that will reveal the Procedures that you used to verify along with the name ( s ) of the person ( s ) you spoke with their business name, address and telephone number ( s ) as well as the documentation that proves this account is not 7 years old as I stated in my dispute that the 2 accounts listed below are actually more than 7 years old and should be deleted from my credit report immediately. 
My question is how can the Date of Last payment reporting as XX/XX/XXXX and yet the adverse information continue to illegally on my credit report. 

The Date of First Delinquency is the true date that triggers the adverse account to no longer report any in accordance with the Fair Credit Reporting Act the Date of First Delinquency comes the month after the Date of Last Payment and therefore this account should be removed from my report immediately. 

Delete Both accounts immediately. 

Trade : XXXX XXXX # XXXX .... 
Trade : XXXX XXXX  # XXXX .....
Product: Credit reporting or other personal consumer reports

My Information has been compromised and as a result someone open some fraudulent accounts without my knowledge. I never given anyone consent or permission to open anything under my name and social. The following accounts are a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also the following inquiries are also fraudulent : 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

I received a credit card from  Wells Fargo  on   XXXX   XXXX   with a credit limit of {$13000.00} in mine and my mothers name. Neither of us have requested this card. I understand  Wells Fargo  is in the middle of fraudulent hearings about these issues and they seem to still be practicing these horrific habits.     I will be reaching out to  Wells Fargo  but wanted to report this.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : IR XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion XXXX MORTGAGE COMP XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Legal XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of Verification : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.
Product: Checking or savings account

I had an Alliant Credit Union account opened in my name. I never heard of this XXXX  based Bank until I got an email about it.. I just got the account number in the mail with no debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX shows my paid off auto loan as still open and in addition to that it fails to show a payment made on XX/XX/2021.
Product: Mortgage

I called and made a payment over the phone on XXXX XXXX, XXXX for {$300.00} and was to be applied to suspense. Then I made another payment on XXXX XXXX, XXXX for {$600.00}, which that should of left me XXXX in suspense to help me make a full payment in 2 weeks. However, I called on XXXX/XXXX/XXXX and the agent was rude, would not answer my questions, I would ask her something and she would say we are not getting any where cause you do n't understand. I told her I understand I do n't think you understand how to read the system. because she would not and did not answer me about my {$600.00} payment that I requested to know what month the payment posted for and what happened to the extra amount is paid on the account. She placed me on hold for 10 minutes and never came back on the line. I finally disconnected the call. I was so mad that she was talking over me that I had to pull over and calm down because I was so mad after she placed me on hold and never came back on the line. I should have XXXX in suspense. If anything was paid besides my mortgage the payment {$600.00} must be rev & reapplied to satisfy my payment and the rest in suspense. No fees should be paid.
Product: Debt collection

Keeps calling even after told me no longer to call me. Saying there some kind of agent in voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$300.00}. {$140.00}. 
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 Landing 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. 
1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$140.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred {$16000.00} to my business account. I have deposited larger amounts before but this time they put a hold on it until XX/XX/XXXX. I need the money to buy a car. My car is no longer working. They will not release the funds to help me, eventhough the money has already been removed from the other account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint pertains to XXXX and the Consumer Reporting Agencies ( CRAs ) XXXX, Equifax, and XXXX. The issues involve a breach of fiduciary duty in a implied trust relationship, unauthorized practice of law, and failure to provide opt-out notices and disclosures for non-affiliated third parties. All these are in violation of the Privacy Act of 1974, the Trustee Indenture Act of 1939, the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other laws. 

Starting from around XX/XX/XXXX, XXXX, along with the above-mentioned CRAs, began reporting nonpublic personal information about me to non-affiliated third-party consumer reporting agencies without offering me a notice of the right to opt out. This has led to a negative impact on my credit score, which in turn has caused housing and credit denials, as well as lost entrepreneurial opportunities. 

Specifically, the involved entities did not provide a clear and conspicuous disclosure that such information may be disclosed to third parties, nor did they give me the opportunity to direct that such information should not be disclosed, as required by the Gramm-Leach-Bliley Act and Title 15 USC 6802 ( b ) ( 1 ). 

In response, I issued a pre-arbitration demand notice on XX/XX/XXXX, to XXXX and the CRAs ( XXXX, Equifax, and XXXX ). The notice clarified my position as the implied surety of a federally protected consumer in an implied trust relationship with their organizations. Despite this, my dispute has not been satisfactorily resolved. 

As a result of the unauthorized disclosure, I have suffered XXXX XXXX, XXXX, disruption to mental clarity, and opportunity loss, quantifiable at {$110000.00} USD. I am also claiming damages of {$1000.00} USD per monthly reporting instance per party for a reporting disclosure period of two months in violation of the Privacy Act of 1974. 

If my dispute is not resolved within 5 days from the notice date, I will proceed with arbitration. I request the CFPB 's intervention in this matter to rectify these violations and to ensure the protection of my rights as a consumer. 

I am eager to cooperate and provide further information as required. Please find attached the original complaint notice sent to XXXX and the CRAs for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to be an authorized user on a credit card of someone else. They took me off already because they planned on utilizing all the credit. So they took me off and used up all the credit and now that utilization is coming up on my credit report and affecting my credit score. 

The balance on the credit card is now {$XXXX} on a XXXX Double Dash. This is not my credit card. That's the balance as of XX/XX/2020. I think they withdrew it in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I checked my credit score which showed a payday loan in collections from Midwest Recovery. 
On XXXX XXXX, XXXX, I tried contacting the debt collection agency by phone to verify this debt check the statute of limitations, original creditor and ask for validation including all transactions. All phone numbers listed for this company are out of order. 
I do not recall obtaining a payday loan. I need this off my credit report. I need this company to verify and validate, they have violated the FDCA.
Product: Debt collection

They didn't threaten me, they collected a non-existent debt. On XX/XX/XXXX, I received a letter from Credence about the debt of {$110.00} to XXXX XXXX XXXX.On XX/XX/XXXX, I sent an email to Credence and attached a document on the return of the disputed equipment. I returned to XXXX XXXX XXXX the equipment on XX/XX/XXXX, without delays or violations. I attached documents confirming that since XX/XX/XXXX I use XXXX  services for home Internet and use their equipment. I proved that I am not guilty. More than XXXX months of meaningless correspondence with Credence. As a result, I was forced to pay {$110.00} to save my credit rating and continue disputes and complaints. I accuse Credence of bad faith, inaction, negligence in my case. I accuse Credence of inability and unwillingness to prove an elementary dispute to the real culprit. As a result of this case, my perfect credit rating is ruined. I am in the process of buying a home. I missed out on the benefit of the loan. I suffered personal moral suffering, XXXX, worry, irritability and XXXX, moral shock. I started having frequent headaches and XXXX. I ask you to punish the guilty, fix my credit rating, apologize, compensate for the moral damage caused to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Credit reporting or other personal consumer reports

I have provided Experian, XXXX, and XXXX with notarized copies of section 605B of the Fair Credit Reporting Act and FTC Identity Theft Report # XXXX, Police Report # XXXX, Small Claims Lawsuit Case # XXXXand CFPB Report which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 
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 debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I am a victim of identity theft and human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from all three companies XXXX for myself, XXXX XXXX last XXXX Social Security number is XXXX, XXXX : XX/XX/year>. 
Please delete the following accounts : Creditor : XXXX XXXX Partial Acct # XXXX. 
Creditor : XXXX XXXX Partial Acct # XXXX. ( against my religious belief fraudulent reporting account with XXXX repetitive numbers ) Creditor : XXXX XXXX XXXX XXXX Partial Acct # XXXX.
Product: Debt collection

Im not liable for this debt with TRUEACCORD CORPORATION, I do not have a contract with TRUEACCORD CORPORATION. They did not provide me with the original contract as I requested.
Product: Credit card

I had a balance with Costco 's XXXX XXXX Card, I paid that Balance in full : Date : XXXX/XXXX/2016 Confirmation : XXXX Balance XXXX Now Costco changed credit cards and Citibank took over the XXXX XXXX Card. 
Citibank says I owe them the exact same amount of money that I already paid XXXX, I checked my bank account and the money was pulled from the account to pay XXXX. 
Now Citibank is trying to double bill me and charging me fees and interest on top of it. 
I am not paying them because I already paid XXXX and if Citibank took over the accounts then they should have this information. I 've been back and forth with XXXX and Citibank and nobody is taking responsibilty and I shouldnt be having to deal with this. And I know for a fact there are tons of other people in the same situation as I am. 
Please help me resolve this issue
Product: Debt collection

I called CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX on XX/XX/year> regarding my account that I sent on collections for {$180.00} from PROGRESSIVE. When I called they verified there was no account they seen. They told me to call progressive when I call progressive  on. XX/XX/year>. we also verified. I owe nothing and I have no accounts open, only a closed account from years ago with no balance.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dear Consumer Financial Protection Bureau, I XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from XXXX, Transunion, XXXX, XXXX XXXX  or XXXX XXXX XXXX the consumer reporting agencies in question, in reference to my initial complaint letter. In my original complaint letter, My concern and dissatisfaction with XXXX 's, Transunion, XXXX, XXXX XXXX and XXXX XXXX XXXX reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. Please update my accounts to PAID AS AGREED. Also, I am requesting compensation of {$1000.00} per every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 as states : Permissible purposes of consumer reports, you can not report transaction history. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion, XXXX, XXXX XXXX  or XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. 

Best Regards, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I notice unauthorized accounts on my credit reports in XX/XX/year>, indicating misuse of my social security number for personal gain. The Accounts are : XXXX. Affirm- Account number ( XXXX ) XXXX. Affirm- Account number ( XXXX ) XXXX. Affirm- Account number ( XXXX ) XXXX. Affirm- Account number ( XXXX ) XXXX. Affirm- Account number ( XXXX ) I disputed these accounts with both XXXX and Affirm ( the data furnisher ) to no avail. To cover all bases, I sent a letter of validation to Affirm certified mail asking them to validate the accounts in question with no response. Because I knew that XXXX would come back with XXXX stating that the Accounts was verified. And I know that they weren't. I requested that Experian block this information in my credit report due to identity theft and they refused. According to FCRA Section 605b, it is ILLEGAL to report information on my credit report without my permission. So PLEASE remove these accounts! The FCRA, under 15 U.S.C. 1681, mandates that consumer reporting agencies ( CRAs ) implement reasonable procedures to meet the commercial needs for consumer credit information in a manner that is fair and equitable to the consumer, with respect to confidentiality, accuracy, and relevance. They are also in violation of FCRA 15 U.S.C. 1681b permissible purpose. I never gave neither XXXX nor Affirm written instructions to furnish any information on my consumer report. So please do your due diligence. I have attached my ID, a bill for proof of Residence over XXXX  years, and FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent too much time trying to get an answer from the credit bureaus for the letters I have sent and they have not answered me. I need to remove everything negative from my credit
Product: Debt collection

Midland Funding has breached the consent order with the CFPB filed on XXXX XXXX, 2015. Midland has violated the order by not providing the required documentation from the CFPB, as the affidavit of sale from the original creditor does not mention, directly or indirectly, any account sold. It specifically does not mention the account that I am being sued upon. As stated in the consent order, section XXXX, Encore, or its subsidiaries ( including Midland ) are permanently restrained and prohibited from initiating a legal collection lawsuit unless it is in possession of a certified bill of sale evidencing the transfer of ownership and, " EACH OF THE DOCUMENTS EVIDENCING THE TRANSFER OF OWNERSHIP OF THE DEBT MUST INCLUDE A SPECIFIC REFERENCE TO THE PARTICULAR DEBT BEING COLLECTED UPON '' ( CFPB consent order sec. XXXX ) The documentation they have provided does not reference the alleged account and the date on the bill of sale and the date that Midland states that they took ownership does not match. I have stated that this account is not mine, I have never heard of Midland Funding until I was served with the legal complaint. Midland can not provide not one signature on a purchase, application, or certified mail, they can not provide me with the credit card terms from the alleged original creditor. They can not produce one single time and date that they have ever spoken to me on the phone. I do n't even have a clue as to what their end game is. I have no money, I do not own any assets, I have XXXX kids, and my bills are more than my salary. Yet they are perfectly willing to ruin my life over a bill that they have n't proven is mine, or that they own. All over {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, I have a hard inquiry by XXXX, whos description is National Credit Cards/Airlines. After calling XXXX XXXX, they kept giving me the run around, tons of transfers to different specialists, and finally given a fake number to call. Tried to get back in touch, a different operator told me the only thing they can do, is to have me call the bureau ( XXXX ) whom told me to call XXXX XXXX   and get an inquiry deletion letter and mail them the copy with numerous other things. Although XXXX XXXX will NOT give me one since they do not know me or have an account with me. 
Also, they have no clue about the description National Credit Cards/Airlines so that just made everything even more confusing. Im in a circle of being told to call people over and over.