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

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it's my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account i am asking you to verify as accurate. Midland Credit Management XXXX XX/XX/2023 2023
Product: Money transfer, virtual currency, or money service

I was using this account from long time but they closed it with one statement i.e.

( After reviewing your case we've decided to keep your account closed.

If you had any pending transfers or money in your Wise account it has been fully refunded to the originating bank account ( s ).

Wise has the right to close your account without notice, however you do have the right to complain about this through independent adjudication )
Product: Debt collection

I received a letter from XXXX XXXX XXXX stating that I owe XXXX from an apartment complex that I moved out of. I paid the last XXXX rent on XX/XX/XXXX, I already provided a XXXX XXXX notice on XXXX XXXX. My move out date was XX/XX/XXXX. I returned both sets of keys and the office provided a document that stated they received my keys. In XXXX XXXX XXXX, I received a letter from this company. I called the company and they stated that they didnt know why I had a account with them but the lady stated that apartment complex sent me to collections for unpaid utilities. Mind you I paid everything before I left and the company charged me for utilities which was in my name and I transferred it to my new place. Im not responsible for a complex utilities if Im not occupying the property. This company is trying to collect on something that Im not responsible for.
Product: Credit reporting or other personal consumer reports

I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021 XXXX of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bank account, line of credit, and credit card had been open in my name that are all fraudulent with XXXX. Bank account have a balance of {$370.00}, XXXX XXXX XXXX have a balance of {$21000.00} and Credit Card with a balance of {$6100.00}. I have contacted XXXX and TransUnion about this issue and have received the same inaccurate results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX h

as violated my rights. 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: Vehicle loan or lease

I called Carhop at XXXX on XX/XX/2019, XXXX a senior manager at Carhop answered the phone. I proceeded to tell her I was frustrated because I called over two weeks ago and set a payment arrangement up with an agent because I was unable to pay on time and that agent from two weeks prior never cancelled my auto pay causing my bank account to overdraft twice since then and I was frustrated that I was getting calls and emails saying I needed to set a new arrangement along with over drafting my bank account multiple times since then. I let XXXX know I needed to set a new payment arrangement now and that I was able to pay everything current on XX/XX/2019. She advised me because they sent another auto pay through today I couldn't set a new arrangement and I needed to callback on Tuesday maybe Wednesday after the payment comes back NSF and that I would need to make a payment to set a new payment arrangement again, I became extremely frustrated that I was having to continue to call back and set new arrangements up along with them over drafting my account again, as I was explaining to XXXX how frustrated I was that they didn't cancel my auto pay when I called to set an arrangement previously and advised I couldn't pay, she proceeded to tell me I needed to be quite and listen to her so then maybe I would understand. She proceeded to tell me if I didn't pay something when I call back on Tuesday or Wednesday of next week that my vehicle could be disabled. She continued to cut me off while I was speaking becoming very abusive to me and continuing to tell me to be quite while I was venting why I was so frustrated, XXXX then proceeded to tell me I was being rude and she was going to hang up on me, she hung up the phone on me. 

I called carhop back at XXXX XX/XX/2019 after being on hold for 6 minutes and 22 seconds, someone picked up didn't say anything and hung up on me I, for a third time, called Carhop again XXXX on XX/XX/2019 when someone finally picked up I asked to speak with a manager, the  woman got another senior manager on the phone named XXXX got on the line at XXXX on XX/XX/2019. When I explained what had happened with XXXX to XXXX she proceeded to tell me it was my fault that I didn't ask to cancel the auto pay and it's not their fault they over drafted my bank account. I explained if someone is calling saying they are unable to make their payments on time and is setting up a payment arrangement why would they not cancel the recurring payments they are set up on, XXXX stated it didn't matter and it was my fault for not asking to cancel them when I set the payment arrangement. I became extremely frustrated again and XXXX told me she was going to hang up on me and I could callback again and speak to someone else. I advised her I want to file a complaint with them for the way XXXX and now XXXX have handled the call, XXXX continued to talk over me and said she was hanging up and disconnected to call on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing about account XXXX on my credit report and to request that you either provide a method of verification or permanently delete the account. I previously disputed this account with you, and you responded by stating that it was verified and validated as accurate. However, I have since followed up with the original creditor, and they were unable to fulfill my request for validation of the account. 
I am aware that it is my right by law pursuant to 15 USC 1692g to request validation of a debt, and it is concerning that the original creditor was unable to provide any relevant information relating to the debt. Additionally, the original creditor informed me that the account had reached the statute of limitations and that they were no longer actively attempting to collect on the account. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I would like to remind you of the responsibilities of the Credit Reporting Agencies to report complete and accurate information. It is my belief that proper procedures were not followed in the investigation of my dispute, and this behavior could constitute fraud, identity theft, and false and inaccurate reporting. 
This letter is my final attempt to address this issue before I exercise my legal rights as a consumer. I urge you to investigate this matter and take appropriate action to rectify the situation. Failure to do so may result in further legal action on my part. 
Please provide me with a method of verification for the account or remove it permanently from my credit report. I look forward to hearing from you soon. Please provide evidence of the reasonable procedures used to determine the validity and accuracy of the information. Please provide the names numbers and addresses of the people contacted for you to come to your conclusion to insure your procedures were reasonable, impartial, and fair to preserve the rights of the consumer. 
Please provide Documentary evidence and any other valid information. Please request the Disclosure from the furnisher that I signed giving your company permission to furnish the account as a failure to do so could constitute identity theft because my private protected non public information is being shared between two companies in a business transaction that does not involve me except to harm my reputation. 
Please send all required Documents.
Product: Debt collection

I have a C/O on XXXX, XXXX, and XXXX for AAFES/ Miltary Star Card . I wrote a debt verification letter to both the creditor ( AAFES ) and the collection ( XXXX ) and sent if certified mail. I received a letter back from AAFES for an account that is not my name associated with an address I've never lived at. Do you know how many XXXX XXXX 's there are? I never heard back from XXXX. I have also disputed with all three credit agencies and they all " verified '' the information but how can that be when this debt is not mine?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$1000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Product: Debt collection

Complaint : Debt Collection Practices Date : XX/XX/2024 I am submitting this complaint against XXXX XXXX XXXXXXXX XXXX, a debt collection law firm, for their violations of the Fair Debt Collection Practices Act ( FDCPA ) in their attempts to collect a debt from me. 

Account Information : File number : XXXX Account holder : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Violations : - Failure to verify debt : Despite my two dispute letters, XXXX XXXX XXXXXXXX XXXX has failed to provide any documentation to validate the debt, including the original contract and proof of my signature. 
- Ignoring disputes : The company has ignored my two dispute letters, failing to respond or acknowledge my concerns. 
- Threats of legal action : XXXX XXXX XXXX XXXX has threatened to sue me without proper validation of the debt, which is a violation of the FDCPA. 

I have requested that the company : - Verify the debt by providing documentation - Provide a detailed accounting of the debt - Cease any further collection activities until the matter is resolved However, they have failed to respond or take any action to resolve this matter. 

I believe that XXXX XXXX  XXXX XXXX 's actions are in violation of the FDCPA and request that the CFPB take appropriate action to hold them accountable. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX in or around XX/XX/XXXX. The account was set up with automatic payment installments through XXXX XXXX. In XX/XX/XXXX, I approved a payment deduction from my bank ( XXXX XXXX XXXX ). The bank flagged the amount and business as fraudulent payment. After verifying the funds were confirmed paid. However, XXXX XXXX reported my account as late on my credit report. I disputed this information through Credit Bureaus, it was temporary removed from my records but recently reappeared. Further noticing a negative change in my credit report making my scores lower and greatly impacted my ability to qualify for credit. This item has been disputed through CFPB in the past.
Product: Checking or savings account

I was with my ex and he sent me money. I found out he was cheating and he filed a dispute with XXXX XXXX  Which to my bank Wells Fargo to close my account. XXXX Told XXXX XXXX  the XXXX transactions was unauthorized and that he didnt know me. I talk to you the fraud department of Wells Fargo and loss And prevention told them that I had proof that I was with him and that he was aware and intentionally sent me those. He filed a fraudulent dispute with XXXX, which froze all my money. I dont know what to do at this point because they wont allow me to do a counterclaim against him and I feel unheard please point me into the right direction.
Product: Credit reporting or other personal consumer reports

Dont you dare try to give me the run around with a generic auto populated email indicating that you dont believe it's me. I swear to XXXX I will use that in court just do you Job. I am writing this letter to you in reference to the information you have furnished on my consumer report. You responded to my initial request for an investigation stating that the information had been verified. Thats impossible because I have never entered into a consumer contract with any of these companies. I noticed that you have violated federal law 15 USC 1681a ( 2 ) ( b ). Your negligence has prevented me the right to extend credit and as a result, I have been a victim of discrimination. See attachments for proof. As a consumer reporting agency you are required to evaluate the information you furnish about me before adding the information to my consumer report. Your agency is now put on official notice of these violations, which makes you liable. Furthermore, according to 15 USC 1681 ( a ) ( 2 ) A detailed mechanism must be created to perform an investigation determining the credit worthiness, credit standing, credit capacity, character and my overall reputation. You have directly reported information that has resulted in my defamation of character. The deceptive information you furnished has led to creditors and employers believing that I am in debt, even though you have failed to provide adequate proof. I have contacted the data furnishers directly and I have documented evidence that they are no longer attempting to collect this alleged debt based on the fact that they were violating 15 USC 1692j ( a ) Your company has caused extreme financial and emotional hardship for me and my family. According to 15 USC 1681 ( o ) you are liable therefore I am granting your company the chance to rectify this matter by doing the following. 

The immediate deletion of these account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these inquiries must be verified ( A ). I will bring legal action against you if you do not verify these inquiries. To help this situation be settled as quickly as possible, kindly uphold the law. 
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
Product: Debt collection

Zenco collect called my and my wife 's mobile number and left a recording stating a " serious legal complaint '' has been filed against me and I need to call them immediately to prevent action. I returned the call and they stated they were going to garnish my wages in court tomorrow for {$8000.00} unless I settled a debt with XXXX. When I stated I am not aware of any valid debt, they stated it " would not be on my credit report yet ''. I said go ahead and said goodbye. They called again, and then stated a " legal complaint '' had been filed against me and they are going to court for XXXX. When I stated they just called me and stated XXXX was filing against me, they said something about being the same company. I asked then to speak specifically to a registered attorney who was filing the complaint they connected me to person who said they were an attorney registered in XXXX Tx. When I stated how can they can call a mobile phone and threaten me with legal action in XXXX different states for tomorrow with no basis ( they seem unsure which state I lived in ), she stated that she never " not threatening '' me and stated your associate just did, and she hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently notified TransUnion that I am a victim of identity theft. Transunion responded that they verified fraudulent information. I would like an explanation as to how FRAUDULENT information can be verified as accurate. Once again I state that I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information reporting on my credit report the account must be placed under my social by mistake. I'm not responsible for this account, I do not recognize the account. I have not agree, sign or created debt with the creator reporting. I have attached my identity theft report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( XXXX - acct # XXXX ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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: Credit reporting, credit repair services, or other personal consumer reports

The accounts reported by XXXX XXXX XXXX XXXX ( a credit card in the amount of {$7500.00} and a personal loan over {$10000.00} ) were formally requested under FCRA guidelines on XX/XX/2023 to be validated. The debtor refused. The personal loan was a motorcycle loan- the debtor requested the payoff letter from them showing verbatim paid in full be provided, it was. Still they refuse to remove these fraudulently reported accounts. As I have followed federal laws and regulations outlined the the FCRA and the debtor has far surpassed their legally allotted 30 days to provide validation these accounts can not legally stay on my credit report. Please remove them promptly. All attempts to get the debtor to cooperate have had no result.
Product: Mortgage

I have been working with my mortgage lender for months on a short sale. We have a buyer and supplied all needed documents to our mortgage company. They have not postponed the pending foreclosure date set for XXXX XXXX. My family is very concerned as we are trying to do the right thing. Please assist us in requesting Ocwen to postpone the sheriff sale to allow us to continue our short sale process.