23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company continues to call me from various numbers. The possible collection agent today was rude and unprofessional. They do n't go into any specifics. They just call repeatedly. The numbers I get from them are XXXX or XXXX. I will no longer play this cat and mouse game with a company that employees fools. I do n't have any correspondence from this company. I do n't know what they believe they have with my name on it. How exactly does a company continue to call, but does not tell you what they want. Nor send you out any communication as to whatever they are calling about. I am a XXXX XXXX and this coming is causing stress and stress to my XXXX. My doctor has advised me this inconsiderate is adding to on my XXXX, which will move up my XXXX timeline. This is ridiculous. No one should have to guess or put up with lacking knowledge, inconsiderate and foolish people. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to  provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has told me that my dispute was complete and the late payments for XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 was removed from my credit report after completion of a dispute. My credit report had not been updated & I called back and they verified that it was still showing after I was told it was not. They told me someone would all me back within 24 hours and it has been over a week since then. There is a lack of proper communication, no one is able to help, and the customer service has been aweful!
Product: Consumer Loan

Lendmark Financial Services has repeatedly harassed my family and I. They have violated my rights under the FDCPA rules. The following violations have occurred since I requested validation of this debt : The FDCPA considers repeat calls as harassment. [ 15 USC 1692d ] 806 ( 5 ) o Numerous calls have been placed to my phone ( XXXX ) as well as members of my family. 
Repeatedly call a third party to get your location information. The collector can only contact a third party once unless it has reason to believe the information previously provided is false. [ 15 USC 1692b ] 804 ( 1 ) o A representative went to my mother 's home in a threatening manner and interrogated her about my whereabouts. I have never been out of touch with the office, therefore there was no reason to send a representative to my home. ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX. 
A collector ca n't continue to collect on a debt after you 've made a written request to verify the debt as long as the request was made within 30 days of the collector 's written notice. [ 15 USC 1692g ] 809 ( b ) o I have repeatedly spoke to representatives that simply ignore my request for validation and continuously ask when I am going to make a payment, request me to enter the office repeatedly, and send letters demanding payment. 
After receiving your written dispute, the collector must stop collecting on the debt until you have received verification. [ 15 USC 1692g ] 809 ( b ) o I have received numerous calls and written communication during the 30 day time frame, but no validation. 
Collectors ca n't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector can not or does not intend to take the action. [ 15 USC 1692e ] 807 ( 5 ) o By repeatedly calling and requesting that I return to the office and showing up at my home, Lendmark has left me feeling threatened and stalked. 

Furthermore, they referred my account to an attorney and filed a Warrant in Debt while failing to provide validation. XXXX Warrants in Debt came to my home in the same 30 day timeframe with different dates, in an attempt to further discredit my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my previous complaint # XXXX the company responded that after investigation the below accounts have been verified. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Please provide proof of a true investigation or delete accounts.

In accordance with the Fair Credit Reporting act. This company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was charged twice by the merchant XXXX. One of the charges was unauthorized because the merchant placed a hold on my account for the rental fee. Chime asked me if the transaction was authorized by text three times, I responded No to all of the text. Chime responded that the charges will be blocked and no funds will be removed from my account but the transaction was allowed and funds were removed. I disputed the transaction three times.
Product: Credit card or prepaid card

On XX/XX/ I purchased a vanilla visa gift card but that barcode on the back on the card was missing. I called the number on the card to see if I could still use it and they told me that they would have to send me a replacement card. I was told it would take 3-7 business days to receive it. I called back after 7 business days and was told that it actually takes 7-10 business days to get the card. I called back after 10 business days and was told that my card was mailed on XX/XX/XXXX and that I should receive it between 7-10 business days. I never received so on Friday XX/XX/2023 I called back to see why I haven't received my card. I was told to give them 24-48 hours and if I still didn't have it to call back. I'm currently on hold with the card company after being told that my case wasn't processed until XX/XX/XXXX and that it'd be 30 more days before I receive my card. I'm sending that card with my daughter on vacation. I don't have 30 more days to wait and now I'm out of {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Balance : {$2100.00} Account Name : XXXX ( XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, XXXX Balance : {$330.00}, {$160.00} For one, I have disputed these three accounts with the credit bureaus since XXXX of 2021, and have not gotten any response about how the accounts are verified and validated. These accounts are not reporting consistently and therefore I am using my rights to dispute if I find any incorrect and unverifiable items on my credit report.

For two, I have disputed the accounts directly with the original creditors and found that they haven't received any communication from the credit bureaus about a re-investigation. I am fixing my credit because I am trying to get approved for a loan. I did all that I could to get the bureaus to respond to my disputes with proof of the validity of the information reported on each account but I feel like my efforts are wasted.
Product: Debt collection

I sent a registered letter dated XX/XX/2018 to the company, to validate the debt and send me a copy of the validation of the debt with the company which they did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my consumer report from XXXX, XXXX and TransUnion LLC. I noticed that an unauthorized alleged debt with the balance of {$14000.00} was placed on my consumer report from XXXX dated on XXXX, XXXX, XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. Instead, they sent to my adress a document in which appears to be a computer generated signature and an unfamiliar statement. The document appears to be typed by someone other than myself, a fraudulent signature and inaccurate/misleading information. The company XXXX has yet to respond through the Consumer Financial Protection Bureau and I am very concerned in the way this matter is being conducted. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. I present attachment ( s ) of exhibit ( s ) that shows a trail of paper communication between an associate and I for the company XXXX of the meaningless document that was sent to my address. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from XXXX, TransUnion, XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for lines of credit or mortgage loans to purchase a home for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, This company has not senT me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me other than a fraudulent computer generated document with information that does not belong to me, which in turn makes their " verification '' investigation null and void. I will conclude that XXXX is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXX I want full validation of the accounts listed above including the originally signed contracts with my signature if you can not verify the accounts you must remove the accounts under FCRA Laws. 

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

The following accounts below are listed as a Charge Off on credit reports. 

XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX - closed XX/XX/XXXX - {$530.00} XXXX XXXX - closed XX/XX/XXXX - {$1700.00} XXXX  XXXX - closed XX/XX/XXXX - {$460.00} XXXX  XXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX - closed XX/XX/XXXX - {$3300.00} XXXX XXXX  - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00}
Product: Money transfer, virtual currency, or money service

Cash app took more than {$800.00} for me and I had to close my bank account because it was negative and now I owe {$800.00} because they stole from me
Product: Credit card or prepaid card

I am writing to bring to your attention an alarming experience I recently had with XXXX XXXX XXXX and the subsequent mishandling of my dispute by Chase Disputes Department. On XX/XX/2023, I solicited the services of XXXX XXXX XXXX to repair my AC unit located at XXXX XXXX XXXXXXXX XXXX. The technician, representing XXXX XXXX XXXX, charged me for a XXXX XXXX that he claimed was used to potentially detect leaks and additionally for XXXX pounds of freon. However, the unit continued to underperform, prompting me to contact the company again. Their assessment was that more freon was needed. Given the recurrent issues, I decided to seek a second opinion from XXXX XXXX XXXX. On XX/XX/2023, a senior technician from REM undertook a thorough inspection and not only confirmed that my unit was spraying freon, but that I didn't need the dye because you could clearly see the freon spraying out of the unit. The technician also revealed that the UV dye application I had been charged for by XXXX XXXX XXXX was never conducted. 
This was confirmed using specialized XXXX XXXX XXXX In response to this discovery, I promptly filed a dispute with Chase Disputes, challenging the charge of {$1000.00}. It is deeply concerning that a service provider would act in such a deceitful manner, capitalizing on my lack of technical expertise in the matter. To my dismay, on XX/XX/2023, I received a decision from Chase Disputes ruling in favor of XXXX XXXX XXXX. This decision not only lacked a thorough understanding of the nature of my dispute but also denied me the opportunity to provide supplementary evidence, including a crucial video from XXXX XXXX XXXX, which irrefutably proves my claims. The dismissal letter from Chase misconstrued my dispute stating, " That I disputed the charge because I believed that I cancelled the service with the merchant due to quality of service provided, '' which is patently incorrect. My grievance is explicitly due to the fraudulent service rendered by XXXX XXXX XXXX and the payment I made for services that were never delivered. Given the above, I am appealing to the Consumer Financial Protection Bureau to investigate this matter, ensuring : A thorough review of the unethical and deceptive practices of XXXX XXXX XXXX. An inquiry into the dispute resolution processes at Chase Disputes, which seem to be lacking in due diligence and a genuine understanding of customer complaints. It is distressing to believe that consumers can be so easily defrauded, and I hope that the CFPB can provide recourse and ensure that such practices are adequately addressed. Thank you for your attention to this matter. I trust in the integrity of the CFPB to act in the interest of justice and consumer protection. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is an error of a Mortgage account reported on the credit report belonging to XXXX XXXX XX/XX/XXXX. We have recently filed a lawsuit and this account needs to be removed while litigation is pending and the matter resolved. This debt is not valid. 

I dispute this debt, I dispute all claims of contract 15 USC 1692g.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Late Payment Report Account ending in XXXX and XXXX. 
Under the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I hope this letter finds you well. I am writing to formally dispute a late payment entry reported on my XXXX of my accounts ending in XXXX and XXXX associated with credit provided by XXXX XXXX. According to my records, the payment in question was on a plan that was discussed with a Representative. To my understanding, I was to make the first payment of that plan the following mont. However, I have noticed that your records indicate this payment was either late or missed, which I believe to be an error. I had called XXXX XXXX to have the call pulled as well as dispute it, and was unsuccessful. Then I disputed it again through XXXX XXXXExperian and received results within one day stating that the report was accurate, which it clearly wasn't since I was misinformed from the start. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate information reported to the credit bureaus. I am requesting that you investigate this matter and correct any errors in your reporting that may have resulted in an incorrect late payment entry. 

I respectfully ask that you review your records, investigate this matter, and, if applicable, update the payment status to reflect that this payment was made on time. Should there be an outstanding issue or discrepancy, I would appreciate your assistance in resolving this matter as soon as possible. 

Under the FCRA, you are required to complete the investigation within 30 days of receiving this dispute. If you find that the information is inaccurate or incomplete, I request that you correct it and notify all relevant credit bureaus promptly. If the dispute is not resolved in my favor, I would like a detailed explanation of the investigation process and any evidence you used to conclude your findings. 

Please acknowledge receipt of this letter and inform me of the next steps as soon as possible. Should you need additional information or documentation from my side, feel free to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. I look forward to a prompt resolution. 

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

Upon checking on my credit reports, I spotted some unauthorized and fraudulent inquiries that needs reporting and correction through your company. I've never authorized anyone to open these inquiries and I have not initiated any transactions to these companies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. 
These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being reported.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested the original date for the debt, proof of person and proof of debt and haven't received anything from the repository for the collection called XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Identify theft XXXX XXXX someone used my personal information to obtain a credit card from XXXX XXXX I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/year> 2022