23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently made aware of XXXX XXXX XXXX XXXX violating my consumer reports when I attempted to apply for an extension of credit. I have had no communication with this company, nor did they respond to my Cease & Desist letter that was sent XX/XX/XXXX ( attached ) and addressed directly to the President, XXXX XXXX. These actions are a violation of FDCPA, FCRA, & the FBPA " The Acts ''. The Acts were created to protect consumers from harassment from alleged creditors and debt collectors. I had absolutely no idea that Thunderbird Collection Specialists had been harming my financial reputation for over a year until I pulled my consumer reports. I have no communication or contract with this company. Nor did I give this company permission to share any information on my consumer report as is required under the FCRA 15 USC 1681b ( a ) ( 2 ). Further, this is harassment as defined under the FDCPA 15 USC 1692d as well as false and misleading information 15 USC 1692e. The XXXX was created to protect consumers from violative business practices. These violations entitle the consumer ( me ) to exemplary damages. Thunderbird Collection Specialists has been in business longer than 50 years, there is no excuse for their actions. Further, several court cases support Ignorantia juris non excusat ( Ignorance of the law excuses not ) All are presumed to know the law. San Francisco Gas Co. v. Brickwedel ( 1882, 62 C. 641 ; Dore v. Southern Pacific Co. ( 1912, 163 C. 182, 124 P. 817 ; People v. Flanagan ( 1924 ), 65 C.A. 268, 223 P. 1014 ; Lincoln v. Superior Court ( 1928 ), 95 C.A. 35, 271 P. 1107 ; San Francisco Realty Co. v. Linnard ( 1929 ), 98 C.A. 33, 276 P. 368. Thunderbird Collection Specialists never had permission to be on my consumer report. Their actions provide all of the essential elements for a defamation of character lawsuit, emotional damages, and aggravated identity theft.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED 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 booked my hotel via CitI XXXX ( which Citi outsources to XXXX XXXX ) and sought to cancel as COVID-19 was breaking out. I first called on XX/XX/XXXX and was advised to call back closer to my travel date ( XX/XX/XXXX ). I next called on XX/XX/XXXX, and after 3 hours on hold, was told the hotel had closed for the day, but that a case has been created for XXXX to contact the hotel and to expect a refund in 2 weeks. I called again on XX/XX/XXXX to confirm and after another 3 hours ( understandably ) on hold, I was told by an agent ( XXXX XXXX ) that XXXX had connected with the hotel and to expect the refund in 2 weeks. 

Another month passed and I had not seen a credit to my account, so I disputed the {$580.00} charge with Citi on XX/XX/XXXX. On XX/XX/XXXX, Citi informed me that they had resolved the dispute in favor of the ( Citi-affiliated ) merchant. 
I vehemently disagree with the resolution, as I had : 1. Paid for a service using Citi 's affiliate as an intermediary 2. The merchant did not remit the payment to the hotel 3. The merchant had confirmed that the reservation was cancelled before the check-in date 4. The merchant promised multiple times to refund me 5. Received no detail explanation, as of XX/XX/XXXX, on why the resolution was in the merchants favor, despite Citis Resolution Center promising so. 

I believe Citi conspired with their affiliate XXXX XXXX to deny me of a refund to keep their affiliate afloat, despite none of the services I paid for being rendered.
Product: Debt collection

This is regarding a bill from XXXX XXXX XXXX for XX/XX/21 service. 

When I got a bill from XXXX for {$91.00}, contacted that company. They reported that XXXX replied to their claim that information was missing. I got XXXX and XXXX on the phone, and it turned out that the Provider ID was incorrect. It took weeks for XXXX to get the correct information to XXXX, who proceeded to put the claim through their system. They agreed that this bill was theirs to pay and they would submit it through their system now that they had the correct information. 

XXXX decided to send this to XXXX for collection, anyway. When I talked with XXXX, they gave me an email address to show proof of payment. I did so at XXXX a.m. on XX/XX/XXXX. 
When I got another notice, I contacted them again, and they said they never got my email. I forwarded the first email on XX/XX/XXXX at XXXX pm and proceeded to call daily until they confirmed that they received it. 

I was told that they would have to send my documentation to XXXX for verification. That hasn't happened yet, and I received another notice from XXXX on Monday, XX/XX/XXXX. I called them and was told to disregard the notice, but they had no idea when I would hear back from them.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

Medical vendor neglected to file insurance claim as required by agreement with XXXX XXXX XXXX. They were informed how to do so no less than eight times. Now they are putting a collection on my credit accounts, which is fraudulent as they are in breach of their insurance agreement with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 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
Product: Mortgage

I WAS ON A PAYMENT PLAN WITH FREEDOM MORTGAGE, I NOTIFIED THEM IN XXXX VIA PHONE CONVERSATION THAT MY HOME WAS PENDING SALE, ON XX/XX/2022 I ASKED THEM FOR THE PAYOFF BALANCE, AND IT WAS GIVEN TO MYSELF AS WELL AS MY REALTOR. I OWED XXXX MY HOME SOLD FOR XXXX I RECEIVED A CHECK FOR XXXX. THEY STATED MY HOME WAS IN FORECLOSURE AND I NEEDED TO PAY ATTORNEY FEES, A HOME CAMT BE SOLD IF IN FORECLOSE, I WAS NEVER SERVED BY AN ATTORNEY, I NEVER WAS SENT ANY CERTIFIED MAIL OF A POSSIBLE FORECLOSURE, I AMM ASKING THAT ALL ATTORNEY FEES BE RETURNED TO ME PROMPTLY, AS FAST AS THEY TOOK THE FUNDS RETURN MY MONEY SHOW PROOF OR JUST CAUSE WHY I WAS HARGED ATTORNEY FEES, ND NEVER SERVED WITH FORECLOSURE NOTICE, NO ADD IN PAPER, NO COURT DATE, NO ATTORNEY OFFICE ON RECORD, NO CERTIFIED LETTER,
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Th

is letter serves as a formal notice regarding the inaccurate reporting of the above-referenced account on my credit report. It has come to my attention that this account has been reported as a charge-off, yet it continues to reflect a balance. This inconsistency violates my rights under federal consumer laws, specifically the Fair Credit Reporting Act ( FCRA ) and 15 USC 1692. According to the FCRA, only accurate, complete, and verifiable information may be reported on a consumers credit file. Reporting this account as a charge-off while simultaneously listing a balance is both
misleading and damaging to my credit score. Furthermore, this may constitute an unfair and deceptive practice, as a charge-off is considered a loss to the creditor and should not be simultaneously reported as outstanding debt. 

Additionally, I have never received a 1099-C form to account for this debt as income, which raises further concerns about the legal and procedural handling of this account. If the debt has been charged off and forgiven, as reported, it can not legally remain as a balance affecting my credit report. Income from charge-offs is not to be reported on my credit file, as it misrepresents my financial obligations. 

I demand the following actions be taken immediately : Reinvestigate and correct the reporting of this account to reflect accurate and lawful information. 
Provide all documentation and verification, including original account agreements, statements, and correspondence, demonstrating the validity of the balance and charge-off status. 
Explain why a balance is still reported if the account is noted as a charge-off. 
Permanently delete this account from my credit report if the information can not be fully verified or corrected. 
Please treat this letter as a formal request under 15 USC 1692c, the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable federal laws. Continued inaccurate reporting and failure to address these concerns will be considered a violation of my consumer rights, and I will pursue all necessary legal remedies. 

I expect your agency to resolve this matter and provide me with written confirmation of your findings and actions within receipt of this letter. 

Thank you for your immediate attention to this matter. Should you have any questions or require further details, I am reachable at the contact information provided below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is submitting a false credit score report to third parties. I tried to rectify over the phone today ( XX/XX/19 ) and everyone was giving me false information and being very disrespectful. I even read my Bill of rights and people told me I was making the information up.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

I called Navient today to request repayment assistance. My current payment is {$320.00}, the only option I was given was to do interest only payments for XXXX  months, but in doing that. I would lose the XXXX XXXX discount for autopay ; this would make the payment close to the same except XXXX would go to principal. Inflation is hitting everyone extremely hard - this interest rate is currently at XXXX XXXX ( variable ). Any time I try and refinance anywhere else, I cant get approved without a co-signer because this balance has increased substantially compared to the amount initially borrowed. My co-signer was just approved for total and permanent XXXX so he is being released from Navient, but I cant get a loan anywhere else. This is the absolute biggest trap/scam. Enjoy all the interest youre pocketing on the XXXX set right now, while Americans are suffering. They are making repayment next to impossible if you still want to be able to feed your families.
Product: Checking or savings account

se refer to original complaint : XXXX " I scheduled an online mortgage payment from US Bank NA on XX/XX/2022 to my mortgage bank, Pacific Global bank ( AKA. Royal Business bank ) located at XXXX XXXX XXXX XXXX XXXX, IL XXXX. In the amount of {$1100.00}. This is an online payment issued directly from US Bank to Pacific Global bank, and the payable should be Pacific Global bank. After a while I received notification from the mortgagor Pacific Global Bank indicated that my mortgage is in delinquent. I checked the online payment from US Bank, which indicated the check was cleared but instead of endorsed by Pacific Global bank, the same check was endorsed by two different individuals and deposited three times, which twice were successfully debited from my US Bank account. I went to the US Bank branches several times and questioned why the check with the same account number and Same check number, issued by US Bank, can be able to be cleared multiple times. Every time I went to US Bank to try to get the problem resolved, but without any resolution. I'm look for US Bank to reimburse the twice falsely debited check amount. '' **** Please note that two fraudulent checks were cashed and cleared by US Bank and each check is in the amount of {$1100.00}, which the total amount of the two fraudulent checks is {$2200.00}. US Bank only reimbursed one check amount, and should refund the second fraudulent check for the amount of {$1100.00}. *****
Product: Debt collection

This collection agency keeps harassing me about an account that was a predatory loan. I will literally be paying this debt until I am dead. I asked them to verify the debt and requested the original debt amount and contract with my signatures, because the amount they are trying to collect is not the original loan amount. It has been over 45 days and they have not sent me proper validation. No bill, no statement, no contract.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 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.
Product: Debt collection

My XXXX  XXXX  contacted my insurance company for pre-approval of services. My insurance company approved the services. 
My insurance company was going to change to another company the following month. I was aware of this and told the XXXX XXXX about this. This is why they called in my presence for pre-approval. 
Once the XXXX XXXX sent the bills to the insurance, the insurance denied them. 
I contacted first the insurance that had approved my XXXX  ; they had me contact the new insurance company. I went back and forth with them. 
The XXXX XXXX  got tired of waiting, so they sent it to collections. 
The credit collections office sends me frequent notices about the amount owed for the XXXX  stating they are required to report to XXXX, XXXX, and XXXX, plus to remember credit reports may be checked by landlords, doctors, hospitals, credit grantors and some employers.

This is damaging my credit score. I am trying to get free solar panels installed on my house through a low-income government program.

I told the credit collections office I my refusal to pay
Product: Credit card or prepaid card

On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting WELLS FARGO FINANCIA ( Opened XX/XX/XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

On XX/XX/XXXX my Robinhood debit card was stolen. I promptly reported the card as being stolen to the company. However XXXX charges of worth {$270.00} and {$780.00} had already appeared on my statement. Those charges were not authorized by me. However I have not received any answer from the company despite emailing them about this twice over the last week. It's been a week and I have received no response from the company about those unauthorized charges.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} 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 XXXX XXXX Owed : {$17000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately. I am a victim of identity theft.
Product: Credit reporting

on or about XXXX XXXX XXXX, all XXXX XXXX, equifax and XXXX put a collection from XXXX collections acct XXXX, in which i recieved XXXX XXXX XXXX XXXX i provided a written dispute and validation from the collection company according to the 30 day response requirement asking for written proof regarding this acct..dated XXXX XXXX XXXX which is attached ..to this complaint.. to this date they have not provided that paperwork and according to FDCA credit reporting rules on putting this on my credit reports..that is not allowed by the collection agency to do so ... .which is a violation.i have also filed a complaint against the company.. XXXX