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

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AT XXXX XXXX
Product: Debt collection

Received information from an attorney regarding a pending lawsuit against me for this unknown debt that I never applied for
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

So I have been being with USAA for seven year. I started to notice strange thing happening to my accounts. On XXXX I started a fraud investigation with them and I have been put on hold, hung up on and lied to about XXXX   has been taken out of my account and even with me being calmed about this matter the have caused me to have to moved out of my home bc the refuse to help me while the investigation is being worked on. I have called everyday and all I get it a run around. I have talked to someone I. Every department even emailed the CEO and all the can say is sorry but there is nothing we can do. I have asked for document and they have yet send them. As well I filed a XXXX complaint and nothing. The latest thing that they are saying I am responsible is charges to a XXXX XXXX when the was no debit card attached to the account. It has caused me emotional stress bc this is about to go on for two months now and the are being inconsiderate of a veteran that they are refusing to work with after I have done everything they have asked!!!
Product: Debt collection

I hope this letter brings attention to a pressing matter concerning your recent actions regarding a debt allegedly owed by me. I am writing to address critical issues that require immediate resolution. 

I have discovered that the collection item associated with an alleged debt : LVNV Funding LLC C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX has been placed on my consumer report without the required written notification. I am emphatically disputing the validity of this debt. This action not only violates the FDCPA but also infringes upon my rights under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Your agency, by engaging in false, misleading misrepresentation, and deceptive means, is not only jeopardizing my financial standing but is also operating in violation of the law. 

I emphasize that your agency has failed to provide the validation information as required

by 12 CFR 1006.34 ( c ) ( 4 ) ( I ), yet it has proceeded to report the collection item to a consumer reporting agency. This is a blatant violation of the aforementioned regulation and raises serious concerns about the accuracy and legitimacy of the reported debt. Additionally, I am invoking my rights under the Fa
ir Debt Collection Practices Act ( FDCPA ) and other relevant laws. As of this moment, I am revoking all rights of communication with me via email, text, or calls. All future correspondence must be in writing and sent to my mailing address provided below In accordance with my rights under the FDCPA, I am requesting the following information : 1.Comprehensive debt validation : Please provide detailed documentation outlining the nature of the alleged debt, including the amount owed, the name of the original creditor, and any other pertinent information. 
2.Purchase agreement : I request a copy of the purchase agreement between your agency and the original creditor, establishing your legal right to collect on the alleged debt. 
3.Proof of licensure and bonding : Kindly provide documentation demonstrating that your agency is licensed and bonded, ensuring compliance with all relevant regulations.

I insist that your agency rectify these issues promptly by : 1. Providing the necessary written notice outlining the details of the alleged debt, as required by the FDCPA.

2. Ceasing the inaccurate reporting of the collection item to consumer reporting agencies IMMEDIATELY until proper notification and validation information have been provided, in accordance with 12 CFR 1006. 

Failure to address these matters immediately may lead to further legal actions, as your agency 's actions not only infringe upon my rights but also tarnish my financial reputation. I trust that you will take swift and corrective action to rectify these violations and prevent any additional harm. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I keep getting repeated text message from this company by the name of TrueAccord. SMS style messages with a link, i reply stop and I get a message back saying i have opted out of sms messages. I have gotten this same message five times from five different numbers. This is obvious harassment.
Product: Bank account or service

Thank you CFPB. In regards to complaints numbers XXXX & XXXX I 'm satisfied with the company 's response. Please cancel any further action. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I went in to XXXX XXXX for braces evaluation and I was fitted for a tray for a XX/XX/XXXX However, the cost of the trays were offered to me at a XXXX $ down and XXXX XX/XX/XXXXa month payment. Or at least this is what I understood. I put in my complaint with Synchrony bank to try to return the funds to my account, Until the XXXX XXXX XXXX XXXX CA. clarify the statement I have given was accurate info. Synchrony bank credit card services denied my claim. 3 months later. Im still paying for trays, and a service. I have not received from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX partial account number XXXX. Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several problems with Equifax actually investigating inquires on my credit report. I have submitted disputes and they simply send me a letter to call the creditors in question. I have called the creditors and they tell me that I MUST OPEN A DISPUTE with the credit agency directly to get it resolved. 

I keep getting the run around from Equifax about their investigation process into inquires.
Product: Vehicle loan or lease

On XXXX XXXX, 2017 I contacted Chase Auto Finance in regards to my auto loan. I was off work due to an injury and having XXXX in a few days. I asked them if I could have an extension on my monthly payment as my account was in good standing. I would have understood if I was told no- but I was told if I paid a partial payment { which I did pay onXX/XX/XXXX }, that I might could qualify for a deferrment. The woman on the phone told me to pay that and i would get a letter in the mail very soon with their decision. I was essentially planning in advance for not having income and trying to protect my credit score. I was told I did n't have to pay and that I would most likely be approved since I paid the partial payment and it would not negatively affect my credit score. I kept waiting for the letter. I then received a bill that my account was past due. I called them and they acted as such that there was no record of the request for extension. I paid both my XX/XX/XXXXand XX/XX/XXXXcar payment at this point and it was the first of XX/XX/XXXX. I asked if it would affect my credit since I was told it would not. I then got a credit alert that my credit score had dropped 161 points overnight. I then called my lender again and told them that was n't fair as I paid the partial and was told i would be approved for a deferment. I was finally given a supervisor who told me there was a recorded conversation between me and the representative I spoke with on XX/XX/XXXX. She said she would have that dept listen to the call and if it said those things, they would remove the late payment. I was very confident this would be removed as I knew what had taken place. The next day I was called and was told that the recorded conversation did not go that way and they would not remove it. I asked for transcripts or a copy of that conversation as I knew someone was lying. I was told no that I would have to get an attorney and have them subpoenaed. It is very frustrating because I do have a good standing with them. I was trying to plan ahead with my payments so I could defer some accounts while I was making no income. I would have found a way to pay this in full Before I was thirty days late if I was not told I could have a deferment and to wait for a letter that I never received. I paid a partial payment on XX/XX/XXXX, so I was not technically 30 days behind. At the first of XX/XX/XXXX I did catch up the account and paid two full payments. I feel as though them reporting this as thirty days late is extremely unfair as their representative mislead me. I tried working with them to find a solution but they refused to work with me. My good credit has now decreased significantly over this. I want this removed off of my credit report. I was in the process of home buying and due to their error I have had to hold off and try to spend time and effort to fix this.
Product: Credit reporting or other personal consumer reports

FCRA 604 ( 15 U.S. Code 1681b ) FCRA 611 ( 15 U.S. Code 1681i ) FCRA 609 ( 15 U.S. Code 1681g ) i am writing to formally dispute and request the immediate removal of the following unauthorized fraudulent Accounts from my EQUIFAX credit report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, BXXXX XXXX XXXX XXXX  FRAUDULENT INQUIRES XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX these Accounts were OPEN without my authorization and are fraudulent and are a violation of my consumer rights under the FEDERAL CONSUMER REPORTING AGENCY ( FCRA ). Specifically listed on attached FTC REPORT, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below and the items listed on FTC report :
Product: Credit reporting or other personal consumer reports

This company is reporting an account that is charged off on my credit report but they have not sent me a 1099C. According to federal law they were to furnish a 1099C once they charged off the account but I have not received a 1099C. If I dont receive a 1099C within 15 days, I will be filing a XXXX with the IRS as this is considered tax fraud since I have not received a 1099C.
Product: Credit reporting or other personal consumer reports

I had a free Credit Karma credit monitoring account that someone was able to get into and change my login credentials. I've had my account for about XXXX  years now with the same email address. On XX/XX/2024, I noticed that I have not been receiving my weekly/monthly notifications from Credit Karma and hadn't for several months now. I tried logging into my account, and message stated there's no account associated with my email address, which is the way to log in. I am now confused as to why I am getting this error, so I contact Credit Karma. I explained that I am not able to log in. They asked me a few questions regarding my personal information and advised that I can create a new account. Also, I advised company that I have been receiving an unusual amount of credit offers and adverse notice actions, even for creditors I already have an account with. I asked if they could track down the user, since you do have to provide an email address to log in and they told me the only thing they can do is close my account. I contacted the XXXX  and filed a complaint. I also provided XXXX of many communications received from creditors I have no knowledge of. I am now convinced that my personal information has been breached, and I want this matter investigated immediately.
Product: Debt collection

Multiple times in XXXX  starting from the month of XXXX, up until XXXXXXXX XXXX XXXX I wrote to the collector informing them that the information that they reported on my credit is inaccurate and that is damaging and harming my credit. This also means that this also preventing me from building my credit as well.
Product: Debt collection

this company needs to verify this debt or stop reporting it to all three major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on-line to check my credit score. The XXXX XXXX report showed that I had a delinquent report. Further investigation on my part showed that a company called XXXX XXXX reported me to the credit agency for non-payment of a cable service account in XXXX. ( I live in XXXXXXXX, and never lived in XXXX ). 
I never ordered cable service in XXXX. I never received any communication from XXXXXXXX XXXX : no e-mail messages, no phone calls and no written correspondence. 
XXXX XXXX forwarded this account to collections with IC Systems Collections, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. I tried calling them and could not get any information about this issue. I have never received any letters, phone calls or e-mail messages from this collection agency. 
I tried calling XXXX XXXX, and they refused to talk to me, but interestingly DID say that they couldn't find an account with my name or address. I filed a dispute with XXXX XXXX, and was finally notified that XXXX XXXX verified that their original report was accurate. 
I then called XXXX XXXX, again, and filled out an " identity theft packet. '' This was sent back to XXXX XXXX at the beginning of XXXX. I have not heard anything at all from XXXX since that time. 
This delinquent account is not mine, and I never authorized anyone to open an account in my name
Product: Credit card or prepaid card

On XX/XX/2023 I was charged XXXX dollars from a company by the name TitleMax Online. I have never heard of the company much less done business with them. As soon as I saw the charge on my bank app, which I look at everyday all throughout the day. I called the bank and told them I didn't make the charge and I had never heard of the business. All the bank did was freeze my account and I have not received my money back from the bank. I have also talked to the company and told them it wasn't me who made that purchase/ payment whatever the person did to take that amount of money out. I want my money back.
Product: Credit card

I have contacted my credit card company through their phone hotline to start a dispute claim for a purchase that was done by accident by my XXXX XXXX XXXX son, and that I attempted to cancel with the merchant, and ended up never receiving the merchandise. The clerk on the phone filed the dispute as a cancellation when it should have been for merchandise not delivered, so the dispute was denied. I have contacted the visa credit card team through the phone and also sent a letter explaining that the main reason should be merchandise not received, but they did not make the correction on the claim. 

I then requested to have a new dispute opened and they once again denied because they changed their system and did not have the documents provided. I have provided several documents showing that I was out of the country when the delivery happened and that I did not sign the package as shown in the delivery confirmation ( which says that I signed for the item but it has no signature on file ). I also provided the investigation report from my building manager showing that the item was not delivered to my building as shown in their package log system. I also contacted my local police which has created a police report under the report number # XXXX. 

The clerk informed me that I can only appeal one last time to their dispute decision, which violates the CFPB since the reason they are using to evaluate my claim is incorrect as per mistake of the customer service agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my written instructions.
Product: Bank account or service

I had checking account that was transferred from late Wachovia bank to Wells Fargo. It was originally no fee checking account. After I made few withdrawals I did n't touch the account. The bank started to charge extremely high fees of {$25.00} a month for a positive balance. The charged me approx. {$500.00} in fees, until all funds were gone, and shut down my account.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I requested eLoanWarehouse to reduce my Monthly Payment on my Loan from {$220.00} to {$100.00} ; to pay off my PayDay Loan. 

On XX/XX/year> ; eLoanWarehouse took out XXXX from my Checking Account ; and that was NOT the agreement we had made. 

Secondly, I had been harassed by this Company for 10 days straight ; as they were making several attempts during the day to deduct the aforementioned amount from my Checking Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report not popping up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my adress
Product: Student loan

I attended XXXX in XX/XX/XXXX for 2 semesters signing loans with XXXX XXXX. Then it was taken over by XXXX XXXX. For almost 5years they kept sending me Forbearance forms to put a hold on my payments for every six months. 
A few years after that XXXX took over and by XX/XX/XXXX my total debt had climbed too a tremendous amount of over {$82000.00}. I qualified to lower my payments with the IDR Program but after 6yrs now the balance had not decreased. XX/XX/XXXX FedLoan took over my loan because I am on the Forgiveness Program that after 120 months of payments FedLoan will forgive the rest of the balance. I am awaiting to get a respond from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to all 3 credit reporting bureaus for their absolutely poor investigation into my issue with XXXX 

I wrote a complaint to XXXX and forwarded it to all 3 bureaus in the same complaint and even though XXXX informed me that the 30 day late is going to be REMOVED from my credit profile and even sent me a letter from the president regarding it, all three bureaus claimed that the information was correct and refused to update the derogatory reporting and as a result kept my score low. This was made worse by them reporting in the remarks that the information was FCRA compliant and verified by the company. HOW IS THIS POSSIBLE? THEY REMOVED THE LATE!!!!!!!! 

I HAVE attached the letter that XXXX sent me regarding my complaint. They agreed that the late would be removed and said they would inform your agencies right away. what happened? WHO and HOW was this LIE verified? 

I want the government to see what type of liars these agencies are and how they continue to refuse to do the right THING just so they do n't look wrong. INCORRECT INFORMATION IS INCORRECT INFORMATION! Why fight consumers when there is nothing to argue about? See that you are all fraudulent liars and DO NOT CONDUCT ANY SORT OF investigation! Do you see? 

THIS IS COMPLAINT 1 of many more to come. Because I have been disputing illegal XXXX  XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX accounts on my profile for years and they have always denied to remove it and I felt awful. 
But after this XXXX incident I know for a FACT that Transunion/XXXX and XXXX are a bunch of liars and DO NOT conduct legal or appropriate investigation. I will be filing many more complaints to clear my credit of misinformation!
Product: Money transfer, virtual currency, or money service

Companies involved : XXXX XXXX TD Bank XXXX XXXX XXXX XXXX I have been working with XXXX XXXX XXXX XXXX to have a shipment of products sent to my home. I was asked to wire {$18000.00} for a XXXX XXXX for US Customs. The shipping company provided me with the wiring  instructions. On XX/XX/2020 I asked my bank, XXXX XXXX, to do the wire transfer to an account at TD Bank. I received a Reference Number ( Item # 1 Wire Confirmation ). On XXXX, XXXX, XXXX, the shipping company sent me an email stating that their representative in the states was unable to receive the money because it was not authorized by my bank. They also asked me to call back my money into my account. I have contacted TD Bank and they would not talk to me without the beneficiary of the account. Since then I have been asking my bank to recall my funds from TD Bank with no success. I received several emails from the shipping company that they do not understand why my bank can not get my funds back into my account. I have numerous emails back and forth with the shipping company about our communications that funds should have been released, recall failure, etc. 
I have contacted my bank on the following dates to gather information and get my funds recalled : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX