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

I have found 3 XXXX ' accounts that applied to my Transunion credit report. I have filed the disputes 2 times which all declined. I phoned Transunion and they asked me to phone XXXX to sort it out myself. I phoned XXXX, they couldnt located my account ( ofcourse as I never open account with them ). I also provided XXXX the last 4 numbers of the three accounts which under my Transunion report, however XXXX asked for the full account number as they cant locate me with only the 4 last digits. I phoned Transunion, the representative agent said he cant get the full account number as its not under their record. I asked him to transfer me to someone that they can help as it has been a tug of war for many months. The agent said no one is able to help me. I insisted him if his manager/supervisor will be available atleast can give me a resource, but he kept saying no one can find out what happen to my account? I paid monthly to transunion for monitoring my credit and this is what I get? I phoned XXXX again to confirm that I am not with them but they said as there is 3 accounts under my name Transunion has to provide full account so they can confirm the I am not with them. At this time, they said they cant write any confirmation to Transunion to clear me because as they explained they should have a full account number as there is nothing cant be found under my name. 
I hope my explaination is clear and someone in the CFPB cant help me to sort this thing out as this is on going for many months between the two ( XXXX and Transunion ). 
Thank you for your time looking into my issue
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 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. 


Experian 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: Debt collection

Debt collector contacted me for the first time regarding eviction judgements sent over to them for collections. Immediately was threatening wage garnishment for 2 seperate judgement orders. When asked about the statute of limitations she just began threatening to renew the judgement in 10 yrs and saying i would not be able to challenge the wage garnishment order through the courts if i dont voluntarily pay. Never received any information regarding this debt before this first call made on XX/XX/XXXX. She gave an amount of debt ive never heard of before and continued to say they'd charge more in lawyer and court fees. The collection listed from XXXX is time-barred due to the debt collector attempting to collect XXXX past the statute of limitations for the state of arizona. The debt listed in XXXX would be time-barred in XXXX of XXXX for XXXX. 
US COLLECTION WEST IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent debts that has appeared on my credit report. This debt is the result of identity theft caused by my personal information being exposed in multiple data breaches, where my Social Security number, birthdate, address, and email were sold on the dark web. I have already been in contact with the police and submitted an FTC Identity Theft Report. I request that these fraudulent debts be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Removal of inaccurate, false balances reported on Equifax, XXXX and XXXX such as TX XXXX XXXX because it was included in a XXXX XXXX bankruptcy discharged in XXXX. XXXX and XXXX have already removed this debt. 

Removal XXXX XXXX because it is a fraudulent, inaccurate balance that has been re-reported instead of remained in the paid/closed status after the balance was paid in year XXXX.
Product: Debt collection

Repeated calls to my personal phone number, my wife 's phone, and my sons phone, and my work phone they have mailed me it is past statute of limitations they have tried to sue me twice, they do not disclose who they are this call was from XXXX XXXX Nevada, if you look it up there is nothing more than a general store. this needs to stop they keep breaking the laws. Previously on multiple occasions I received a letter stating they can not peruse me in any way shape or form legally but this constant " HARRASMENT NEEDS TO STOP ''!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out to XXXX XXXX to Equifax, Here is my tracking number XXXX however its been more than 30 days and the credit bureaus failed to send me my investigation back .This is not making any sense.

According to the law 15 U.S Code 1681i -procedure in case of disputed accuracy.if the completeness or accuracy of any item of information contained in a consumer 's file at consumer Reporting agency is Disputed by the consumer and the condoner notifies the agency directly.or indirectly though 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 disputed information.or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-days period beginning on the date on which receives the notice of the dispute from the consumer or reseller.
Product: Credit card or prepaid card

I got a Best Buy credit card with the purchase of a washing machine. I also got about {$75.00} in Best Buy refund dollars. I went in to the store in XXXX to but a {$55.00} item, i asked to have it applied to my {$75.00} of refund points. The cashier put it on my credit card. When I called Best Buy to fix the issue ( called a couple times ), they sent me from person to person, then put me on terminal hold twice. I am pretty sure there was no one in that department. I was never asked to leave a message. I finally got fed up and paid {$59.00}, including interest. then the next month i got another bill, this time for {$28.00}. the interest for {$55.00} over the period of 1 month was {$32.00}. I paid off the card and closed it. the stated interest rate was 25.24 % ( i was a little surprised ) but that does not account for {$32.00} for a $ XXXX.I was not late, and this was during the COVID19 grace periods. Best Buy made no attempt to help, or figure the issue out, just let me sit on hold and occasionally talk to an employee who was unhelpful.
Product: Payday loan, title loan, personal loan, or advance loan

Navy Federal FAILED to verify the debt in question. They acknowledge my CFPB complaint and sent ME a screenshot of the notice for Adequate Assurance of Due Performance and IGNORED the affidavit. Simply sending me their companys statements as proof of debt instead. I have now sent them a BILLING ERROR NOTICE via certified mail. Navy Federal Credit Union MUST CEASE AND DESIST ALL COLLECTIONS AND COMMUNICATIONS that is NOT a response rectifying this matter. This includes ALL ACCOUNTS TIED TO THIS LOAN, including the ones under XXXX XXXX XXXX, whose name is also attached to this loan and the Billing Error Notice ( see page 1 ). Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally forfeit all right to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ).

Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account. XXXX. Until then Navy Federal Credit Union CAN NOT report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Sending me your companys statement as proof is not substantial. XXXX is also aware that claiming there is a debt to be owed is XXXX  to the United States!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

While on XXXX with the United States Military XXXX, I was the victim of Identity theft/fraud. Multiple inaccuracies and fraudulent accounts were opened using my credit information. I have disputed these accounts on multiple occasions, with both the credit bureaus and the company who owns the account. With my disputes I have explained the situation, supplied documentation of my XXXX, and the police report filed that led to the arrest of the person responsible. Still the credit bureau and company refuse to remove the incorrect/derogatory information.
Product: Debt collection

Resurgent stated that they purchased this alleged debt and they have " all rights to ownership, they have the right to collect and the right to report to the consumer reporting agencies. Please provide that proof and the FORWARD FLOW AGREEMENT between the " Current owner '' and the " Original owner ''. Also, provide an invoice/ bill of sale of this alleged debt. I am also requesting the aggregated value of the purchase OF THIS ALLEGED DEBT between the CURRENT OWNER AND ORIGINAL OWNER ... RESURGENT IS REPORTING THIS ALLEGED DEBT TO MY CONSUMER FILE, IS ALSO A VIOLATION UNDER FCRA, ACCORDING TO 15 USC 1681b ( a ) ( 2 ) I, the federally protected consumer never gave written instructions to furnish anything on my consumer file. Please send me proof that I gave the " original OWNER '' or the " current OWNER '' WRITTEN permission to report or furnish anything on my consumer file.
Product: Debt collection

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and I filed the FTC report and correct paperwork and sent them to the credit agencies. They were not attached to the disputes I filed and I still have not received copies of the verification process. I contact them all the time and they still dont file the correct dispute and the correct paperwork
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX never late! I have had exceptional payment history witH capital XXXX 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never XXXX 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: Debt collection

I am filing a complaint against Transunion, XXXX, and XXXX due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Transunion, XXXX, and XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. My credit has been lowered so many different times this year and has had so much negative impact due to false debt or wrong debt and ive disputed countless of times and talked to every company and nothing changes. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements XXXX XXXX I have been harrassed and threatened several times a day. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am Listing XXXX Inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX .... 
Balance : {$130.00} ; XXXX  XXXX .... XXXX : {$85000.00}
Product: Debt collection

I am not sure what to do anymore. Company is refusing to accept that my identity was stolen. I already submitted a police report, an identity theft report, letters, and nothing is being reviewed. They just sent me a letter that they have finish their investigation and have decided that this is not identity theft. No proof as to why. I need this company to stop collecting from me. I do not owe this debt. They can not provide proof that this is not identity theft. I am providing everything I can. It is not correct for Capital One to decide that they will continue to charge a debt that has been proved to be identity theft.

Letter 1 : Sent on XX/XX/XXXX, received on XX/XX/XXXX. 
Letter 2 : Sent on XX/XX/XXXX, received on XX/XX/XXXX. 
CFPB complaint was already submitted on XX/XX/XXXX and company decided on XX/XX/XXXX that it is not identity theft. Despite proof of all the contrary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. someone stole my identity to open fraudulent accounts with out my consent
Product: Checking or savings account

Hello, in the XX/XX/2018, my application to XXXX XXXX XXXX of becoming a secret shopper for stores like XXXX and etc was approved. With a series of txt messages, and they delivered me via USPS a large envelope with a {$2300.00} cashier 's check, i was instructed to deposit the check into my account at my Bank. The very next day Bank of America released the funds, and i was instructed to withdraw most of it, buy money orders, and deliver them through XXXX via next day shipping including receipt. 4 days later my Bank alerted me that my balance fell below available amount. I called the bank and they said the check was fraudulent, i asked why they released the funds the very next day of a large check that they did not recognize, and they said because of my good standing record as a banking customer, that usually they don't release funds for many days, even sometimes weeks. I requested Bank of America to open a claim number which they refused to open for me, even tho they admit that the account of the cashiers check did not exist. I did file a police report, i felt this could have been a inside job through the bank, or a false scamming job agency!
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate. 

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate. 


As a consumer, by law, my credit report must be XXXX XXXX  accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. Thank you!
Product: Debt collection

Dear RECEIVABLE MANAGEMENT, I am writing in reference to my previous communication dated XX/XX/2024, in which I formally requested validation of the debt you claim I owe. To date, I have not received the requested validation and documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). Without the proper validation of this debt, your continued attempts to collect, including reporting to credit bureaus, are in violation of the FDCPA. The details of the alleged debt are as follows : Account XXXX Original Creditor : XXXX XXXX Amount : {$300.00} Since you have not provided the necessary validation, I hereby demand that you cease all collection activities related to this account, including but not limited to, reporting this debt to any credit reporting agencies, contacting me by phone or mail, or initiating any legal action. Failure to comply with this request will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I also reserve the right to pursue legal action for any violations of my rights under the FDCPA. Please confirm in writing that you have ceased all collection activities on this account. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX XXXX I CHECK MY EQUIFAX CREDIT REPORT AFTER HEARING OF THE BREECH IN THEIR SECUIRTY SYSTEM. I FOUND OUT THAT I HAD THREE ACCOUNTS ON MY REPORT THAT WASN '' T MINE. SO I SUBMIT A ONLINE DISPUTE ON XXXX XXXX. EQUIFAX NOTIFIED ME THAT THEY VERIFIED ACCOUNTS WAS MINE IN XX/XX/2018. MY SECOND ATTEMP ON XX/XX/2018 I SENT EQUIFAX A WRITTEN DISPUTE ASKING EQUIFAX TO SEND ME VAILDATION OF THESE ACCOUNTS WITH PROOF OF SIGNED CONTRACTS .ALSO ASK THEM TO GIVE ME THE NAME OF THE PERSONS AND SIGNED CONTRACTS OF WHO VERIFIED THESES ACCOUNTS. EQUIFAX REFUSED TO PROVIDE ME PROOF. 

ON XXXX XXXX EQUIFAX AGAIN SAID THE VERIFIED ACCOUNTS AND DID NOT SEND ME PROOF OF ANYTHING. NOTHING WITH MY SIGNATURE ON IT, NOT CONTACT INFORMATION OF ANY PERSON WITH THE COMPANIES THAT SO CALLED VERIFIED AND THE CONTINUE TO REPORTING NEGATIVE ITEMS. 
IN XXXX EQUIFAX NOTIFY THAT THEY VERIFIED IT AGAIN AND ONCE AGAIN THEY DID NOT PROVIDE ME PROOF LIKE I REQUESTED FOR THE SECOND TIME,. 

ON XXXX XXXX FOR THE 3RD TIME, I REQUESTED AGAIN FOR EQUIFAX TO PROVIDE ME PROOF OF VALIDATIONS OF ACCOUNTS. ON XX/XX/2018 EQUIFAX NOTIFIED ME AGAIN WITHOUT PROVIDING ME PROOF. I HAVE JUST INGORE MY REQUEST TO PROVIDE PROOF. 

THEY NEVER PROVIDE ME WITH NO PERSONS NAME, OR CONTRACTS WITH MY SIGNATURE ON IT. I FIND THAT THEY ARE NOT VALIDATING ACCOUNTS. 
SO I ASK THEM AGAIN TO PROVIDE PROOF OF THESE S ACCOUNTING BELOW, IF THEY CANT PROVIDE CONTRACTS WITH MY SIGNED SIGNATURE I DEMAND EQUIFAX TO REMOVE THESES ACCOUNTS FROM MT CREDIT REPORT IMMDEDIATELY AND SEND ME A NEW CREDIT REPORT XXXX 

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