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

NFCU Collections Department was contacted about past and current collections practices reporting my credit in error. Dating back to XXXX Collections and NFCU sold me GAP Insurance Product in the initial contract of my XXXX XXXX XXXX which was totaled XX/XX/XXXX I used the GAP Insurance to pay off my loan with NFCU. I was mislead to purchase deceptively by representative of NFCU telling me I would be able to replace my truck at the time approval of my truck/loans with no other requirements attached. NFCU received their money paying off my totaled truck then deceived me telling me until I passed a credit  check and if my loan wasn't delinquent I'd be approved. I wasnt told that when GAP was being sold as extra layer of insurance - while insured I'd be happy with the followings of buying it. Then realized that I wasn't being treated as. Member or Veteran but being lied to causing Hard ship on me. Collections Department Rep. misrepresented the consequences and abused his Authority by using my overdraft protection of XXXX to pay my loan while causing me financial hardship making my checking account negative. Denied access to my checking account and blocked accessed giving me access only if I paid my delinquent or overdrawn account.i wasnt offered another product of checking line of credit through my checking account. Although I have had my checking account since XXXX while deductions of fees were taken by NFCU. The NFCU was called about my injury in my job.My loan was consolidated while paying high interest fees, late fees to NFCU received the benefits yet again in XXXX. I didn't receive any funds to help my life but approved loan only increased my debt. I ask the collections department representative for help but they ignored me only helping himself sell another loan without any benefits to my financial situation. 
The NFCU representative told me I didn't purchase PMT PROTECTION PLAN PRIMARY LIFE DIS/IU after reporting my work related injuries on but I found a credit card statement proving otherwise that I was sold and purchased the XXXX   insurance PMT PROTECTION PLAN PRIMARY LIFE/ DIS/IU placing my account over the limit. The past due amount was one amount while asking the minimum payment another with XXXX limit. My account has been reported incorrect, with late fees attached, incorrect balance to the credit bureaus by NFCU. NFCU collected and monies from me I paid on my consolidation loan/credit card. Also in XXXX I had a balance of XXXX Reward Points on my Flagship Rewards Platinum credit card that NFCU that I never collected or was allowed to use but NFCU Violated my credit card rights and consumer rights by not honoring our contract to redeeming my rewards points on my credit card or debit card I use weekly for gas other purchases. 
I paid my bill within the 60 days and didnt received any compensation from NFCU even though I was threatened several times in letters from collections and telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$350.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information pertaining to my complaints I submitted to Equifax. I sent a direct complaint to Equifax on XX/XX/2022 and I sent another complaint this same day to Equifax, but they were attached to the complaint. That complaint was mainly for XXXX XXXX. They responded to both complaints on XX/XX/2022. They did not give me the proper response because they said they need more time to investigate, up to 60 days. This is a violation of the FCRA. Pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ), they have 30 days to response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

After reviewing the debt validation the address XXXX XXXX XXXX XXXX XXXX. is a storage facility and have no affiliation to that address. they can't provide any sign document that show that the credit debt belongs to me. This organization or show call law firm are group of thugs that hide under the shield as a lawyer to intimidate, harass innocent working family scamming them their hard earned income. In other to facilitate their criminal activities the bought and pay for the election of local and state judges. The act like XXXX  in a law clothes. If federal authorities should step in and stop this thugs XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes : XXXX XXXX- - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX/- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX  - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX  - Balance {$0.00} -Date Opened : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts 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 accounts below : XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled out my credit report and I noticed I have some fraudulent and unauthorized inquiries from XXXX on XX/XX/2021. 
I have reached out severally to the XXXX and Equifax which is the reporting bureau severally to delete this, but nothing has been done for more than XXXX.
Product: Debt collection

This account was sold to an unknown debt collector named Plaza Services and XXXX XXXX XXXX have no ties or agreement with them there was no paperwork or contract signed or given to me please delete off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a written dispute by certified mail for a 30 days late payment to Transunion on XX/XX/19. The receipt shows it was delivered on XX/XX/19. I called Transunion today and was told they received the written dispute along with the supporting documentation but because I did not call to open a dispute then they could not process it. The rep gave me 2 options. I could open a dispute or I could call XXXX XXXX XXXX and ask them to call Transunion to delete the item. I asked why I needed to call to open the dispute when I had already mailed a written dispute. The rep continued to repeat my 2 options. I decided to simply proceed with opening the dispute but also follow up with this complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a response letter via email from XXXX XXXX Fraud Department. 
The letter states that they conducted a fraud investigation and that they were not able to approve the claim is because Customer benefited from use of card/participated in purchases. 

Synchrony did not provide any supporting documentation on their response. On XX/XX/XXXX I reached out to the fraud department via email asking who the investigator handling my claim was but I never received a name or a POC. 

Here are the facts that Synchrony is neglecting to acknowledge. 

I provided a copy of the FOIA from Customs and Border Protection showing that on the date that the Account was opened I was outside of the United States. 

On XX/XX/XXXX Synchrony provided me the IP address that was used to open the account XXXX That IP Address is from XXXX TX. 

On XX/XX/XXXX Synchrony bank obtained a sales draft receipt signed on XX/XX/XXXX for the amount of {$2100.00} On XX/XX/XXXX XXXX XXXX obtained a sales draft receipt signed on XX/XX/XXXX for the amount of {$950.00} I had no knowledge of these and both sales drafts bear my ex-husbands signature. 

-I never applied for an account from XXXX XXXX -I was outside the country when the account was opened by my ex-husband - I did not benefited from the account - I was never a patient of XXXX XXXX - I had no knowledge of the account or it existence until months after the account was opened - The account was awarded to my ex-husband on my divorce
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Collections account # ( XXXX ) : XXXX, XXXX, has violated my rights. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. states that I have a right to privacy. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : States that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I made my payments to Capital One up until my card was compromised 2015, in which I reported to them & requested my card to be closed. However, they did not & instead charged me numerous late fees & then reported me for collections. This was my first ever credit card & it truely ruined things for me, I have disputed this many times throughout the years with no luck. I am trying to rebuild & establish a relationship with creditors but my collections account is getting in the way.
Product: Debt collection

Here is the revised dispute letter with your provided details : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Regarding Unauthorized Access to My Credit Information To Whom It May Concern, I am submitting this formal dispute in accordance with 15 U.S.C. 1681b, which outlines permissible purposes for obtaining a consumer report under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that LVNV Funding accessed and/or furnished my credit report in XX/XX/year> without my prior written consent, in direct violation of the provisions set forth in the FCRA. 

Disputed Information : Creditor/Agency : LVNV Funding Date of Inquiry : XX/XX/year> According to 15 U.S.C. 1681b, a consumer report may only be accessed under specific, legally defined circumstances, including obtaining the express written consent of the consumer. I have not provided such authorization to LVNV Funding, nor have I entered into any relationship that would lawfully permit them to access my credit file. 

I hereby demand the following actions : XXXX. Immediate Removal of the Unauthorized Inquiry I request that the unauthorized inquiry be removed from my credit report with all credit reporting agencies. 
XXXX. Provision of Documentation I request that LVNV Funding provide verifiable proof of my written authorization for them to access my credit file. If no such documentation exists, their continued reporting and/or inquiry constitutes an illegal act under the FCRA. 
XXXX. Cessation of Unauthorized Access I demand that LVNV Funding immediately cease any further unauthorized access or furnishing of my credit information. 

Failure to comply with this request may result in further action, including formal complaints with regulatory agencies and potential legal recourse. I am prepared to escalate this matter should a resolution not be provided within the legally mandated timeframe. 

I expect written confirmation of the resolution of this dispute within 30 days from the receipt of this letter, as required under the FCRA. 

Thank you for your prompt attention to this matter. Please feel free to contact me at the information provided above should you require any additional details.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX bondage, which falls under trafficking according to XXXX Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking/Debt Bondage and would like for all listed accounts to be blocked and deleted from the Experian Credit Bureau company : Accounts to be Blocked and Deleted : Account XXXX : DEPT OF EDUCATIONXXXX, XXXX, {$120000.00} Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm in the process of repairing my credit and came across this account in my profile. I'm unaware of this account, charges, fees or it's associations with me. As per the fair credit reporting act please provide validation to me via mail. Original contract with signature, breakdown of charges and fees and any other that proves this account is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I was served with a lawsuit from XXXX XXXX XXXX, for the amount of {$5900.00}, at my residence in California. XXXX purchased this defaulted loan on XX/XX/XXXX from XXXX XXXX. I believe this loan has been settled a few times by other companies that XXXX sold the account to third party. Coincidentally none of these companies sent me receipts for my records like they promised and I dont have the dates I paid them. I have never spoken to XXXX directly or received any paperwork or correspondence. There are no negative entries on any of my credit reports pertaining to this matter. 

I have carefully read the lawsuit that was filed by the Consumer Financial Protection Bureau vs XXXX and affiliates dated XX/XX/XXXX, case number XXXX which is currently pending. XXXX purchased my loan on XX/XX/XXXX from XXXX XXXX. Unfortunately it appears this company is using many of the same tactics to collect debts in past and seems like its back to Business as Usual I am requesting this unfounded corrupt and false lawsuit be dismissed and no longer pursue litigation against me.
Product: Debt collection

Im complaining about a debt letter I received from online information services is a debt collector. We are trying to collect a debt that you owe XXXX XXXX. I have never used XXXX XXXX, and this is not my debt, Im a victim of identity theft now, I have filed a police report with XXXX XXXX sheriff Office, case # XXXX the amount owed is XXXX dlls the date of service is XX/XX/2023, just got the letter from the collector on XX/XX/2023. I have called the On Line information services and they told me to report it directly to XXXX XXXX and XXXX referred me to this web page. XXXX phone number is XXXX. I have lived at my address for XXXX years and I have never used XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im having bad experiences with transunion they are not removing any items off my credit report and I filed FTC report and call the police and they denied all my disputes and refuse to remove any items that im disputing on my credit report The items I want to dispute are fraud/ identity theft are XXXX XXXX XXXX XXXX XXXX  XXXX {$3100.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}
Product: Debt collection

I do not have a contract ( s ) with Credit Control Corp. I am not liable for the collection of this debt from XXXX. I am not responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several I tried apply for job and when the background check came back I was denied employment because the agencies that supply the background check does not supply updated information. In XXXX 2017 I was denied employment at XXXX XXXX because the company XXXX XXXX reported the wrong information. On XXXX XXXX, 2017 I was denied employment with cross mark because of the same issue. Since then the companies have corrected and reported the issue but every time I apply for a job I run in to the same issue each time so I have come to the conclusion that the information that consumer reporting agency is acquiring from the Fair credit Reporting Act is not update and I would like to make sure my file is updated. I have contacted them every time this occurs to have it fix and they cant seem to help. So I wanted to know how can I get my file updated so that when companies do pull my criminal background it shows that I have been pardon for these charges.
Product: Credit card or prepaid card

So Some criminal in AMEX created a business card with my company name and was able to do ACH of {$150.00} from my business checking account. 
I have reported this to both AMEX and XXXX XXXX  but they are bouncing me back and forth and none of them is willing to pay me back the damaged amount.