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

I need to file a complaint On Transunion on XX/XX/2019 they sent out a credit report stating that XXXX XXXX was a charge off I spoke with Transunion via Phone this account is Not closed. Transunion what you did the the XXXX  account I have no Trust or faith in your company what so ever to make sure I'm getting the right information from your company I'm exercising my rights under the under the FCRA 609 ACT before you get started cut the XXXX XXXX you are not req that XXXX XXXX the FCRA states when a consumer ask for this information you must provide it cause you lie and commit fraud XXXX REPORT ON XX/XX/19 AND YOURS ON XX/XX/19 WHERE THE XXXX YOU GET A CHARGE OFF FROM???? 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and include the credit application that was used to open this account with my sign signature attached
Product: Credit card

Pyramiding of delinquency charges is illegal as outlined in the UDAPP. As evidenced in the attached speadsheet PNC bank has been pyramiding delinquency charges ( including late fees and interest ) on the XXXX. Tournaments credit card account. Had we known about this regulation when we filed the initial complaint this matter would have been resolved months ago. The CFPB should have caught this if they had reviewed the initial complaint. The initial complaint number was XXXX.
Product: Debt collection

XXXX knowingly sent collection agency a fraudulent bill and they reported it to my credit which negatively affected my credit
Product: Credit card or prepaid card

I have a Sam 's Club Account with Syncronicity Bank and they just arbitrarily closed my account without warning. I was also denied credit by them but they kept another account open with Care Credit and increased my limit. I always paid ontime using auto pay and paid more than my minimum payment. This has effected my credit score and my credit worthiness. This is a violation of my rights according to 15 U.S. Code 1681.
Product: Debt collection

Collection Agency TSI-TransWorld Systems Inc. is trying to collect a debt for a landlord ( XXXX XXXX, prev. XXXX XXXX ). Landlord & I were litigants for referenced debt which involves Security Deposits I paid and damages landlord alleges. I, the consumer, won the case but the Landlord had already placed the debt in collections and ( to present date ) still refuses to allow the debt removed from my credit files. TSI indicates Landlord did not respond to several attempts for information. TSI will not remove debt because they want to be paid from Landlord or consumer. I have the Case History from the Official County Clerk website, showing I won the case and this debt should have been removed from my credit files in XX/XX/2021 after the Judgment was entered. For over 4 years, I have tried to get XXXX XXXX and TSI to remove the debt but they both refused. This bad debt with collection agency has had a detrimental effect on my credit score and my ability to obtain desired housing. Each time I tried to resolve, TSI informed that creditor ( Zone ) has 30 days to respond but informed me creditor does not have to respond at all. This is unfair to me as a consumer. They should have to respond or remove the debt entry.
Product: Checking or savings account

On Monday, XX/XX/XXXX I called Capital One as I noticed three accounts were frozen. I was told that day that my accounts were closed and I would receive a check or payment to a linked account. Ive called multiple times to get a status to no avail. Ironically I can not pay my Capital One credit card due to the accounts free/closing.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through 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 the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX - XX/XX/2023 :
Product: Credit reporting or other personal consumer reports

To whom this may concern, while checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the fair credit reporting act section 1681 ( b ) ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you main under my social security number. 

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

I had a balance of {$5400.00} when I unfortunately had to file for bankruptcy back in XXXX. This account was not included in the bankruptcy -- I paid the entire amount owed ( {$5400.00} ) per XXXX XXXX 's instruction - {$170.00} for 30 months -- this amount was marked paid in full. Reference no. XXXX -- please update my credit report to reflect the correct information -- thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

HERE IS PROOF OF CLEAR AND READIBLE DOCUMENTS THAT CAPITAL ONE AND XXXX AND XXXX CONTINUES TO UNLAWFULLY DISCARD. 
I HAVE SENT CAPITAL ONE MULTIPLE REQUESTS FOR PROOF OF AUTHORIZATION OR WRITTEN INSTRUCTIONS ALONG WITH PROOF OF AGREEMENT WITH MY SIGNATURE AND I HABE NOT RECIEVED ANY COMMUNICATION BACK FROM CAPITAL ONE OR XXXX AND XXXX SHOWING PROOF OF AUTHORIZATION AND WRITTEN INSTRUCTION OR MY SIGNATURE PROOFING AUTHORIZED TO OPEN THIS FRAUDULENT ACCOUNT WHICH I HAVE SENT DOCUMENTS ( SEE ATTACHED ) POLICE REPORT AND FTC REPORT BEFORE REQUESTING REMOVAL OF THIS FRAUDULENT DOCUMENT THESE COMPANYS HAVE ONLY REMOVED SOME BUT NOT ALL WHICH WAS REQUESTED IF ITEMS WAS NOT REMOVED THEN I SHOULD HAVE RECIEVED A DOCUMENT WITH PROOF OF AUTHORIZATION OR PROOF OF WRITTEN INSTRUCTIONS TO PROVE WHY THESE OTHER ITEMS WAS NOT REMOVED. SO ONCE AGAIN THIS IS PROOF OF COMMUNICATION AND CLEAR AND READBLE DOCUMENTS SENT TO CAPITAL ONE WITH ALL REQUIRED DOCUMENTS TO ONCE AGAIN INVESTIGATE AND TO PROVE AND SEND ME WRITTEN OR AUTHORIZATION WITH MY SIGNATURE OR THE PROOF OF AGREEMENT PROVING I AM THE ONE WHO OPENED THIS ACCOUNT AND SEND ME PROOF IMMEDIATELY IF YOU CAN NOT REMOVE THIS FRAUDULENT ACCOUNT THEN ONCE AGAIN SEND ME PROOF OF AUTHORIZATION IF NOT REMOVE AND DELETE FRAUDULENT ACCOUNT FROM CAPITAL ONE XXXX AND XXXX FILES IMMEDIATELY IF NOT YOU WILL BE ACTING IN WILLFUL NON COMPLIANCE, YOU WILL BE VIOLATING MY RIGHTS, AND MOST OF ALL DEFAMATION OF CHARACTER AND DAMAGING OF MY CREDIT REPORT AND MY LIVELIHOOD SO PLEASE DO WHAT IS LAWFUL AND FAIR AND EQUITIBLE TO ME AS A CONSUMER ( POLICE REPORT AND FTC REPORT ATTACHED ) PROOF OF READBLE AND ALL REQUIRED DOCS FOR REQUESTING FRAUDULENT ACCOUNT BE INVESTIGATED AND REMOVED.
Product: Debt collection

I, XXXX XXXX, executor of estate of XXXX XXXX called DCM Services , LLC on XX/XX/21 & XXXX XXXX answered. I informed XXXX XXXX of my identity & I was calling to inform him that the estate of XXXX XXXX was insolvent in accordance with North Carolina General Statute 28A. XXXX XXXX asked if there was any real estate that could be sold to satisfy debt. Then, he asked if there was vehicle/personal property that could be sold to satisfy debt. Finally, he asked the question if there was any life insurance proceeds that could be used. It is illegal for a debt collector to ask a decedent 's relative to use life insurance proceeds to pay for the estate 's debt. I asked him about next steps/paperwork to finalize this claim, he said there wasn't any. 

I called again on XX/XX/21 & spoke with XXXX XXXX again. I followed up about estate insolvency and asked about paperwork to get the claim settled. I had to press him for an answer while experiencing XXXX XXXX hateful attitude and belligerence. Then, XXXX XXXX informs me the methods I could deploy to request a withdrawal of claim. I questioned him as to why didn't he mention the withdrawal of claim form to me on XX/XX/21 when I called him and he didn't answer my question.
Product: Debt collection

The company name is McCarthy, Burgess & Wolff They call my business, my cell phone, my employees, my children, my inlaws and renters MULTIPLE TIMES A DAY ... .for a debt that is inaccurate and I am fighting the company now through the Insurance Regulations Office . My company has been fighting this XXXX XXXX XXXX XXXX audit due to their negligence of updating the company information then hitting me with penalties for the past 4 years ... this collection company is FILLED WITH NASTY INDIVIDUALS THAT ARE CALLING PEOPLE TO TRY AND EMBARASS ME TO PAY THEM, NOT VERY ETHICAL!
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damagesXX/XX/6011
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed some accounts on my credit report that are not accurate to my person. I am making the complaint to have CFPB investigate and have these items removed from my file. I have included the accounts on here to get a proper and fair response for my submitted complaint. 
XXXX 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

I have tried to contact XXXX to fix a mess up on my credit report since the early part of the year. 

I have sent 2 letters to XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX with no response. I called the company numerous times and keep being told to send letters. I explain I have sent them letters and they claim they have not gotten them even tho 1 was signed for. 

So on my credit report, they have some inaccurate information. 

It shows that I have late payments in XXXX of XXXX and XXXX / XX/XX/XXXX. 

I called XXXX in XXXX XXXX and explained that we were notified that due to covid they were furloughing some workers and we would go on unemployment until work picked back up. I explained to them that unemployment told us that they were understaffed and there was a long wait to start receiving checks. 
I was told that I did not have to worry and because I called in prior to missing a payment that when I started getting the checks I could catch up on payments without being marked as late. I was also told they would mark my account as late due to covid 19. 
So as soon as the checks started coming in around the beginning of XXXX I paid up what was missed. 
I was called to come back to work in XXXX, we worked about 3 weeks and we were again furloughed. In XXXX with the new strain, we were furloughed again when businesses started closing and again I notified them. The person I spoke with again told me that they understood and to make the payment when unemployment started back which I did. 
Then in late XXXX we were furloughed again so I notified them and they said they would mark the account as such. 

So once I was back to work full-time I paid that account off. 

In the comments section, it says account canceled by the creditor, and I don't see how as I continue to use the account. matter fact I have things on that same account that are being paid on. 

I tried to fix this with them several times. I kept getting transferred from one area to another. I finally contacted an attorney and the Mississippi department of banking and the attorney is looking into possible litigation because these payments were late but no fault of my own.
Product: Credit reporting, credit repair services, 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. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. 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. I need the following accounts to be corrected or deleted immediately : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed inaccurate information. 

XXXX XXXX XXXX ( c )
Product: Credit reporting or other personal consumer reports

I have identified accounts on my credit report which are not mine and i believe were opened using all or part of my personal identifying information. I have contacted the creditors in question in writing and requested resolution. I was advised to request a fraud alert be placed on my credit reports as well as file a report with the Federal Trade Commission which is attached. 

The accounts are : XXXX XXXX - acct ending XXXX XXXX XXXX  - acct ending XXXX Inquires appear that I did not request are : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again you guys have not provided me with the name and number of the person who has verified the BK on my credit report. You have told me that the furnisher has verified the BK. However if the furnisher is the courts they have already informed me that they don't report the BK to any reporting credit agency. You guys don't even verify the BK because you pull it from a 3rd party and just slap it on my credit report. By doing this it is illegal and I will be reporting you to the FTC and filing a law suit if you don't remove this from my credit report. I will also report you to the Attorney General because you can't provide verification with my signature on it showing that I signed for that Bk. This is your last chance to get it removed before I go to the FTC and Attorney General about your Unlawful acts.
Product: Credit reporting 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am showing on my credit report that I have a debt with Credit World Services Inc. for a XXXX bill it is not mine. I tried to get in contact with the company and it is impossible, I need to get this resolved. PLEASE
Product: Vehicle loan or lease

The contract between that I signed with XXXX XXXX XXXX ( XXXX/XXXX XXXX ) is void because I did not not consent to giving them Irrevocable Power Of Attorney. The contract is blank without a duly executed date, no witness. Nothing has been sworn to, subscribed or any acknowledgement of date. The Notary Signature does not appear of the document, and there is no date of commision. What County? What State? XXXX XXXX XXXX/XXXX XXXX gave me back the document without my wet ink signature. The signature on the document is a scanned copy of what looks like an exact replica of my signature, therefore fraudulent. It was a quick process, in getting the paperwork done, where they cashed in on my signature, therefore making securitization illegal. Numerous times I have brought this to their attention where both corporate and the franchise office ignored my complaint, calls, and all mail correspondence. They also ignored me when I requested a W9 so that I can properly file my taxes for all out of pocket payments. The forms 1099 A and 1099 OID allows me to do that according to IRS publication 1212, 26 USC 1271 ; UCC 3-419, 26 CFR 1.671-5 ( c ) & ( d ), loans - 26 USC 1273 & 26 USC. Since we can not pay a debt with a debt I have discharged the loan under UCC 3-603. I  would do a Notary complaint, but there isn't any information for me to pursue. XXXX XXXX XXXX/XXXX XXXX did not have a Notary present.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX  XXXX XXXX, NV XXXX XXXX, IL XX/XX/XXXX ; XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The account does not belong to me. I am writing to request that you block the following fraudulent account from my credit report immediately
Product: Credit card or prepaid card

I attempted to make a purchase through XXXX XXXX on XX/XX/XXXX for {$42.00}. I immediately noticed that the delivery address was incorrect and immediately called to cancel the delivery. The representative with XXXX XXXX  assured me that they would issue a refund. Additionally, no attempt to deliver food was ever made. Several business days later, the charge was still not refunded, and I called Citibank to dispute the charge. After returning the disputed letter, I received a letter from Citibank that the investigation was complete with no other details. I called and after speaking to multiple people, they informed me that the investigation was still open. Ive now received a letter from Citibank that says they determined that the service I was billed for was provided. I know this not to be true, and had already informed them in writing that no service was received, and the merchant also admits that no service was provided. Therefore, the only conclusion is that Citibank has not properly researched my dispute, and instead has simply closed it with no action. I would like to file a formal complaint against Citibank for violation of the Fair Credit Billing Act by failing to properly follow up on a disputed transaction.
Product: Debt collection

I received a threatening letter communicating to me that XXXXXXXX XXXX XXXX, a debt collector was attempting to serve me with papers for a lawsuit regarding a debt allegedly owed to CITICARDS CBNA. I do not have a contract with this company and never gave consent to have this company contact me through any medium. After receiving the letter I checked my credit report with XXXX, XXXX and XXXX to find that there is an account listed from CITICARDS CBNA card services that has been charged off as bad debt, but I never received a 1099 from CITICARDS CBNA showing the debt was discharged. Not only did CITICARDS CBNA not send a 1099, they are attempting to collect twice by charging off the alleged debt and not reporting it and by suing in civil court. Since this account has been charged off, that makes it a certificate of indebtedness meaning it is now considered income and income is not permitted to be listed on a consumer credit report. It appears that CITICARDS CBNA and XXXX XXXX XXXX XXXXhe debt collector has conspired together to commit fraud and extort funds from me the consumer. Further more, I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. CITICARDS CBNA Never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of CITICARDS CBNA reporting services. I ask that the Consumer Financial Protection Bureau look into the actions of CITICARDS CBNA and XXXXXXXX XXXX XXXX regarding their actions towards a federally protected consumer.
Product: Credit card

I was charged over {$4700.00} for a truck motor as a down payment that I did not receive. XXXX XXXX XXXX XXXX stole my money and Chase Bank will do nothing about the fraudulent charge.