23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/year>2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The debt collector is impersonating XXXX XXXX Department of Treasury with account number XXXX. But I have reason to believe I dont actually owe that debt. 

I believe the collector has the wrong person. 

The Disputed Debts clause of the Fair Debt Collection Practices Act gives you a 30-day window within which to dispute the debt in writing, and request that the collector provide more detailed information about the debt and documentation showing that it has verified that you are in fact the person that owes this money. Until the collector provides this written verification, it may not continue to collect on the debt or seek judgment in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX  Consolidated Recovery Systems  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , TN  XXXX  This company has filed multiple false reports to my credit files under different names. The do use the name above and at times they use the Name Revenue Assurance Professionals, and sometimes they use the name  Consolidated recovery Group , LLC. This company refuses to abide  by the FCRA and will not remove false information under all the names that they have submitted reports unders. Attached is a document filed in  XXXX  of   XXXX   and the false information is still showing on my credit reports under the first  XXXX  names listed : Date  XXXX   XXXX ,   XXXX   Consolidated Recovery Systems   XXXX   XXXX    XXXX   XXXX , TN  XXXX   XXXX  : Account Number  XXXX  Consolidated Recovery Systems is hereby notified under the provisions of public la w 95-109, Section 805-c.  The Fair Debt Collection Practices Act, to hereby CEASE AND DESIST in any and all attempts to contact me  XXXX   XXXX  concerning the above debt.   This letter is your legal notice under the above-mentioned FEDERAL LAW that regulates the activities of collection agencies and their legal representatives. The failure to CEASE AND DESIST as directed in this letter will result in charges being filed against Consolidated Recovery Systems with both state and federal regulatory agencies empowered with enforcement of the above-mentioned federal law.     Consolidated Recovery Systems is further warned that NO DEROGATORY information is to be placed on any credit report and any information on any such report placed by Consolidated Recovery Systems is to be immediately deleted after receipt of this certified notice, or charges will be file through my attorney against Consolidated Recovery Systems.     It is my firm decision not to recognize or work with Consolidated Recovery Systems concerning this matter. I have no debt with Consolidated Recovery Systems.
Product: Money transfer, virtual currency, or money service

on several occasions until just recently. Zelle did not have any disclaimers posted before sending cash to another party stating that you will not be able to get your money back if you sent your money to the wrong party.
Product: Debt collection

I have sent this company a XXXX XXXX XXXX letter using certified mail, return receipt and I have the receipt back showing they indeed got it. They continue to send collection letter but I do not owe them anything. After I accused them of misrepresentation of who they were they then admitted that they " bought '' this " debt '' from another company. I have no contract /agreement with this company and I have asked that they XXXX XXXX XXXX contacting me by USPS mail or any other ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX 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 have never dealt with these creditors in the past. I contacted Transunion and XXXX to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXXXXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX
Product: Debt collection

XXXX XXXX Firm and XXXX claim that they attempted to notify me and my ex-husband of the debt. However, when we/I received notice on XX/XX/XXXX, the information was addressed to Mr. XXXX and me to his address in separate letters. My address hasn't been the same as my ex-husband 's since XXXX. Once we received the information we attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX firm XXXX. On XX/XX/XXXX, I finally spoke with a representative from both businesses. XXXX XXXX from XXXX and XXXX from XXXX XXXX acknowledge, " We do not return calls. '' I was asked to present proof that one of the alleged debts was paid. I did so on XX/XX/XXXX. On XX/XX/XXXX, we were served to appear in court. The Sheriff didn't take the time to search my current address and my papers were given to my ex-husband ( what if we weren't on speaking terms XXXX. On XX/XX/XXXX, we appeared in court. I share with the Honorable XXXX XXXX XXXX that the information Mr. XXXX XXXX had wasn't correct and she interrupted me stating, " This is not the time to discuss this. We have a lot more cases on the XXXX XXXX docket. '' Mr. XXXX XXXX asked me if I had the correct information. He stated, " I will forward you the information ''. At this writing, I nor Mr. XXXX have received any. We spoke with XXXX at Mr. XXXX 's office requested a payment coupon to pay the claimed debt. Again we were told that XXXX XXXX firm doesn't send a payment coupon or correspondence. Also, XXXX stated, " This judge is aware that we do not return calls or send out payment coupons or any correspondence regarding the debt. So do you want to make the full payment today? '' We were advised to call on XX/XX/XXXX, four days before our next court hearing to pay the debt in full. After XXXX XXXX receives the payment they will notify the courts and mail separate statements to Mr. XXXX and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express and I entered into a Financial Relief Payment Arrangement where I agreed to pay a monthly amount and they would not report the account as delinquent or incur any late fees. I have attached a copy of the agreement as well as the statements from the months where they have indicated I was 30 days late which is XX/XX/2021, XX/XX/2021 and XX/XX/2021.
Product: Debt or credit management

I would like to report this company Alperstein & Associates as a Debt Settlement scam that has PAID THEMSELVES, INSTEAD OF MY CREDITORS. 
They have done this by making a {$5.00} - {$25.00} payment to a company to settle, which according to their contract after the first payment to creditor, allows them to start collecting their 29 % fee ( on the GROSS owed ). Though they are supposed to be paying the creditor proportionately to themselves, they have taken all of their money upfront and have told me I don't have enough money in my account to pay settlements ( because they paid themselves first ), and that now they have to make a new settlement ( and charge a new fee for even more money paid to them ). 

To date, Alperstein & Associates has taken {$680000.00} of my money. 
They have PAID THEMSELVES {$5700.00} plus {$200.00} in other fees My creditors have been paid only {$110.00}. ( Statement and documented proof available ) Future scheduled payments through XX/XX/XXXX, show Alperstein PAYING THEMSELVES {$7900.00}, and my creditors only {$570.00}. ( Statement and documented proof available ) A settlement for {$1500.00} to one of my creditors was cancelled saying " I didn't have enough money in my account '' ( because they PAID THEMSELVES FIRST ). 

XXXX XXXX, I wrote numerous emails & called their customer service center, the local Alperstein Attorney, and the Paralegal, inquiring why they were taking so much money out of my global account & labeled with names I did not know. Future payments showed no creditor names associated with the withdrawals, just " Legal Fees ''. I got pushed back to customer service with long hold times ( up to 45 min ), who spoke broken XXXX, could not understand questions I asked, and some even made up answers that were simply not true. 

As of XX/XX/XXXX, I still do not have answers to my inquiry and questions. The local Attorney XXXX XXXX from Alperstein & Associates handling my account, has replied he is " checking in to it '', and again, " does not have an update, and will " circle back as soon as he is able ''. 

I was told not to contact or answer the credit collection calls as it would " impede their progress. '' The only progress has been Alpersteins taking my money for themselves! 

These people are definitely scammers who claim they are part of the XXXX XXXX XXXX program, then tell you that you are qualified for a loan with a place called XXXX XXXX, then move you over to a " better '' settlement plan. It is all a scam and they have taken {$6800.00} of my money and only paid my creditors {$110.00}, and only contacting a select few.
Product: Debt collection

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The PORTFOLIO RECOV ASSOC XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

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

I contacted All ( CREDITOR BELOW ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
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 these are not mine. They are not factual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently reached out to XXXX, XXXX, and Transunion in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.
Product: Credit card or prepaid card

I attempted to make a payment on my Sears card via the internet, and was unsuccessful. I called customer assistance and was informed that my account had been changed to a mastercard account. I was further told that I had been sent 2 letters giving me a terminal date to refuse the mastercard, which was activated after no refusal was received from me. I told the agent that I had not received any letters and I did not need another credit card. I asked that my account be reverted back to the regular account that I had. I was told that they could not do that since the card was activated. I firmly stated that I did not request or desired the card. I further stated that I did not want to make a payment that would go to that mastercard. I was told again that the account could not be reversed. I hung up dissatisfied and contacted the Maryland Attorney General 's Office of Consumer Protection, who referred me to you. I currently have 2 credit cards and do not want more, especially one that I had no previous knowledge of, nor requested. Your assistance is greatly requested. Is this another " XXXX XXXX '' situation. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 USC 1681 B Title Definitions.

I missed two payments on my XXXX Credit Card Account Number : XXXX on XX/XX/XXXX and XX/XX/XXXX. As per the terms of the agreement, these missed payments was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future.

However, I would like to draw your attention to the rules of construction under 15 USC 1681 B Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed and brought to current. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payments have been removed from my credit report. 


Sincerely XXXX XXXX
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received an email from TransUnion. 

Order Confirmation & Account Access Dear XXXX, Thank you for choosing TransUnion! You have taken an important step toward protecting your identity & credit. Here 's the next one : Check your account details now Log into your TransUnion account to make sure your personal information is accurate and your account settings work best for you. Bookmark your login page so you can easily access your account when you need it most. 

If you have any questions, please contact our customer service team at : ( XXXX ) XXXX. 

LOGIN NOW Your Order Order Date : XXXX Order Number : XXXX XXXX Details [ ID XXXX with TransUnion Credit Report and Monitoring ] Billing Subtotal : {$0.00} Sales Tax : {$0.00} Total : {$0.00} Your TransUnion account is ready. Start taking advantage log in now. Need help logging in? Please give us a call at ( XXXX ) XXXX. 

Sincerely, TransUnion Get in the know I did not order this service, nor have I used this account for several years. When I attempted to contact XXXX  about this issue, the chat representative did not answer my question and disconnected me from the chat. 

I would like to know what TU is doing with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  inquiry on XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX  inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX CA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Dept of Education : XX/XX/XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Dear Capital One Support Team, I have already provided all necessary documentation, including a receipt from my XXXX account that verifies the funding source, yet I am repeatedly told the same vague information with no progress. Furthermore, every time I contact your support team, I am met with unprofessional and dismissive behavior, including being hung up on by a particular representative. 

This situation has become intolerable. I have already reached out to the Attorney General in New York to inform them of this issue, as holding my funds XXXX without resolution is, in my view, unlawful. Additionally, I am gathering documentation from others who have experienced similar treatment from Capital One, and I intend to bring this matter to the attention of my local news station if it is not promptly resolved. 

I urge you to release my funds immediately. I have also escalated this issue to your CEO, but to date, I have not received any assistance. I demand a prompt resolution and the release of my funds, or I will pursue further legal action. 

I expect an immediate response and resolution to this issue. Thank you for your attention to this urgent matter. 

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

I have inquiries on my XXXX  report that doesnt belong to me
Product: Debt collection

After applying for credit several months ago I was denied and requested my free credit reports from all XXXX CRA 's. It showed I had an account from a XXXX. After several days and hours of getting to the bottom of this it shows that the account was opened when I was XXXX years old. I submitted my drivers license, social security card, and birth certificate to all XXXX credit bureaus as well as XXXX. On top of that I submitted an affidavidt saying I had no knowledge of the account. I asked how they opened an account under my name at that age and what identification they used to verify my identity. I got a response saying the account was mine. I do not understand how I can open an account without my knowledge and with being under XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed an unauthorized charge to my Apple Card issued by Goldman Sachs Bank. I immediately contacted Goldman Sachs through their chat feature. While I was in chat, two more charges were attempted on my Apple Card to XXXX XXXX XXXX XXXX. 

The rep told me not to worry. They would credit my account. 


On XX/XX/XXXX, I received notice from Goldman Sachs that they have resolved the dispute in the merchant 's favor. I called Goldman Sachs, XXXX reviewed the ship-to address for the {$240.00} XXXX XXXX XXXX XXXX order. XXXX confirmed that it did not ship to my address.
Product: Mortgage

Why didn't the assigned SPOC ever call or get back to me? 
I emailed over 5 times. I called multiple times. 
I expect a response, since I was told she would respond within 24 hours. I NEVER received correspondence.
Product: Credit reporting or other personal consumer reports

My lease signed on XXXX XXXX. My housing program had no properly maintenance done on water heater. Tagged in violation of code. Leaked gas due to not certified plumber trying to light pilot. Was tagged numerous times 30 days longest without gas. With a child a oxygen thru a government subsidize housing unit. Her nurse had a paid a XXXX bill one time for me. To continue service. This account was closed wen I was wrongfully evicted n involuntary displaced from my home during pandemic with a 3 kids 1 of which has life threatening conditions. Haven't been able to get thru to my housing authority. Was ignored n now my child has n is still suffering
Product: Credit card or prepaid card

I Have An Account With Cash App. I Went To Make A Withdrawl For {$280.00} And It Was Taken Out Of My Account But No Money Was Dispensed Out Of The ATM. I Went Inside The Store To Complain And Was Told To Call Number On ATM. I Did. I Was Transferred To Headquarters Where They Told Me Contact My Bank. Well With Cash App There Is No Phone Option Only Support By Email Through The App Or Web. I Have Sent Several Emails Back To Back Asking For My Money And For Help And I Have Not Recieved Either One. Its Been Well Over 24Hrs. The Transaction Was Done At XXXX Eastern Time. I Tried Doing The Transaction Again Hoping That It Was Just Something I Did Wrong And It Was Declined Cause The Money Had Been Removed From My Account The First Time Without Giving Me Any Cash. Please Help Me