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

A fraudulent derogatory account remains on my credit report after repeated attempts to have it removed. I have never conducted business or come into any verbal or contractual agreement with LVNV FUNDING! Per FDCPA XXXX5 USC1692, I demand these accounts to be removed from my credit report, as it is illegal and slander. LVNV FUNDING Account numbers : XXXX account XXXX. I am constantly harassed, with false lawsuits, and constant phone calls! I cant hardly cope with life because of this erroneous defamation of my character and threats to my livelihood! Help me please! Sincerely, XXXX XXXX
Product: Debt collection

I am submitting this complaint regarding a collection account reported on my credit report. The original creditor was XXXX XXXX XXXX XXXX, and the debt was subsequently sold to a debt collection agency, XXXX. XXXX. 

This account has negatively impacted my credit, and I believe there are significant discrepancies in the handling of this matter. Specifically, I am requesting assistance in addressing the following issues : 1. Verification of the Debt : I have requested complete documentation proving the validity of this debt from both XXXX XXXX XXXX XXXX and XXXX. XXXX, but I have not received adequate proof. 
The documentation should include the original signed agreement, an itemized statement of charges and payments, and proof of the transfer of ownership of the debt to XXXX. XXXX. 
2. Proof of Collection Rights : XXXX. XXXX must provide evidence that it has the legal authority to collect this debt, including a clear chain of custody or assignment from XXXX XXXX XXXX XXXX to XXXX. XXXX. 
3. Credit Reporting Accuracy : If the debt can not be validated, I am requesting that all derogatory entries related to this account be removed from all credit reporting agencies. 

I have made multiple attempts to obtain this information from the involved parties but have received no satisfactory response. Reporting unverifiable information to credit bureaus is a violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking CFPB assistance in ensuring my rights as a consumer are upheld. 

Please address this matter urgently and request the necessary documentation from both XXXX XXXX XXXX XXXX and XXXX. XXXX. If these entities can not validate the debt, I ask for the removal of this account from my credit report.
Product: Credit reporting or other personal consumer reports

Jefferson capital popped up on my credit report with a debt supposedly from XXXX. first it was one for {$440.00} then it was one for {$1100.00} I have never had a XXXX  account and so I disputed it multiple times and they still wouldnt delete it I got access to the Jefferson system because they emailed me about the debt and when I logged in I see that it is under somebody elses name using my email account doesnt even belong to me and it is being put on my credit due to my email being used which is completely illegal This needs to be removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE INFORMATION.
Product: Credit reporting or other personal consumer reports

Even though it shows on my XXXX and XXXX reports, I noticed that my Elan Financial Service tradeline account is no longer being reported to XXXX. The account was in good standing for quite some time, and I believe it should be reinstated. The removal of this tradeline has had a negative impact on my credit score and no longer accurately reflects my credit history.
Product: Bank account or service

I was unfairly charged overdraft fee a couple of times without any notice from my bank about an over draft. In total i have been unfairly charged a total of XXXX overdraft fees of {$35.00} each. The most recent XXXX were charged on XX/XX/XXXX while similar XXXX on XX/XX/XXXX. In both cases I bad transfer between my accounts at Bank of America while my account showed there were sufficient fund only to find overdraft fees next morning. For the most recent XXXX, I made online transfer to my own other at same bank and a transfer to a friend who also has an account at bank of america. While making these transactions, the online account showed sufficient fund and through my research i found the usually such transaction are not even allowed to happen if there are not sufficient fund. I have screenshot evidence to prove this. Upon calling the bank the representative was extremely rude and told me that " you should know where you are wasting your money '' and also that while they recommend customers to use the app, the customer should keep track of their transactions themselves. My balance was misrepresented and the XXXX overdraft fees were charged fraudulently by my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I believe that this account ( s ) is invalid or contains incorrect information. Please validate this account ( s ) in its entirety or remove this entry from my credit report immediately. Thank you. 

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

I read that XXXX XXXX had been hacked, and I wanted to make sure I had a security freeze on all my credit reports. I could not log in to the Equifax site. I used to have a TrustedID account ( free from the Equifax breech ), but that seems to have expired.

My logon/password were not accepted. I went through the laborious effort to get a new password process, and tried to logon. I was told to call XXXX to proceed. I called. I was told to " press 1 to leave a callback number ''. I pressed " 1 '', the call received a busy signal and hung up. I repeated the process an hour later. Same result. I repeated the process a third time, and was able to leave a callback number. I received a callback 45 minutes later.

I was asked many ( in addition to all the online identification ) questions to verify my identity. What is my monthly credit card payment? I do not have a monthly payment, I pay the balance at the end of the month. Question repeated. Answer repeated. Question repeated. Answer repeated. Question repeated, and I explained the best that I could, that I have no monthly payment, paid in full is the answer.

Next question : What month did you place your last security freeze? I do not know ( it was when Equifax was breached, but I do not remember the month ). Question repeated. Answer repeated - I do not know what month. Request for security freeze denied.

Now I can not get into my Equifax credit report ( " call XXXX to proceed '' ), I do not know if my report is under security freeze, and I can not get this resolved.

I wasted 5 hours of my time today. I believe Equifax is an enemy of the consumer.

I was able to put security freezes on my XXXX and XXXX  with no issues, and within 5 minutes
Product: Debt collection

I sent Harris & Harris a cease and desist, a debt validation letter, affidavit of truth and an invoice all notarized. In that letter I asked them questions pertaining to the alleged debt. I am demanding the company answer my questions they are on notice I gave them 30 days. I received noticed XX/XX/XXXX be mail they received my letter. Harris & Harris violated my federally protected rights. They contacted me without my consent per section 15 USC 1692c ( a ). Without the prior consent of from consumer given directly to a debt collector, a debt collector may not communicate with a Consumer about a an alleged debt. Harris & Harris sent me a false and deceptive form pursuant to 15 USC 1692j ( a ) stating that, I owe a debt and they are debt collectors ( see attachment ). They used obscene and profane language in that deceptive form. This company is coercing me to pay an alleged debt. They bought my information from the alleged creditor which means debt was paid or wrote off. They are diminishing my character and running my reputation. I am the original creditor the transaction originated from my ssn. Which make the alleged creditor a debtor whom should be paying me pursuant to 15 USC 1692a ( 6 ). Seems to me everybody benefited from the transaction except me. I have 5 calls from this company check their records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per federal law I am owed {$500.00} per call XXXX XXXX sent me a bill in the mail after I visited the company XX/XX/XXXX I asked the associate a couple of couples about charges. I am confused on how I know owe an alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act requires consumer reporting agencies to be fair and respect privacy, XXXX, XXXX, and Experian are such agencies, and I have the right to protect my private information. Financial institutions much also respect privacy and confidentiality. the agancies can only share information with my written consent. I revoke any consent given. The financial institution did not inform me of my right to withhold information. The agencies are reporting adverse information without my permission, which is illegal. 15 USC 6801 States that it is affirmative and continuing obligation to respect the privacy of its customers. Please provide proof that the payments were late. if unable to do so, update my payment history to XXXX status ( paid as agreed, never late ) and supply XXXX XXXX with a corrected credit profile. Please provide this results in the next 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in a letter to TransUnion, XXXX, and XXXX. To have my information verified it has been 30 days with no comply they are not obeying the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason for Dispute : I believe that this account inquirie is invalid. I did not authorize this inquirie. Please validate this account in its entirety or remove the entry from my credit report. Thank you. Hard Inquirie ( s ) : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card XXXX XXXX FRCA Violation collection I.C. SYSTEM, INC
Product: Debt collection

Hello, this debt collector has engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. This debt collector furnished this account that we did not agree on not to mention I didnt sign an agreement. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the 5 step validation procedure which make this unfair practices. According to the FDCPA I am due 1,000 dollars per violation and they clearly violated my rights.
Product: Debt collection

I disputed this company XXXX XXXX in the  beginning of XX/XX/XXXX because I never had an account sigh the company they are trying to collect funds for and they verified it was mines so I did what the XXXX credit bureau agency told me to do and called waypoint XX/XX/XXXX and gave all information needed they stated they have no record of me in their system then all of s sudden had found information and i have them my previous and current address which didnt match their systems being that the address i gave them XXXX XXXX XXXX that i been living at since XX/XX/XXXX and recently moved to North Carolina and they said they couldnt tell me anything about the account because that isnt the right address which I dont know what address they are looking for me to verify and i asked why are they reporting a debt thats not mines on my report and they could not answer at all i also in XX/XX/XXXX sent them a debt validation letter under my fair debt collection reporting act and never got anything in response by law i should be able to get documentation showing me how the debt is mines
Product: Credit card or prepaid card

There was a cash advance on XX/XX/XXXX for {$200.00}. I was charged a {$10.00} fee for same. I was also charged at that time a cash advance fee of {$2.00}. This appeared on my XX/XX/XXXX statement. Once again on my new statement of XX/XX/XXXX, I was once again charged {$2.00} cash advance fee. I called Barclays Bank and was told that I was being charged the {$2.00} because of the XX/XX/XXXX cash withdrawal. I already paid that {$2.00} fee on the last statement. So why am I being charged again on XX/XX/XXXX for a cash withdrawl on XX/XX/XXXX, for which I already paid the fee. I spoke to XXXX who has absolutely no idea what she is talking about and could not answer the question. There is also an additional fee of {$31.00} added to my XXXX statement because XXXX said I didn't make any payments between XX/XX/XXXX - XX/XX/XXXX. However, There were four payments : XX/XX/XXXX for {$1500.00} XX/XX/XXXX for {$2500.00} XX/XX/XXXX for {$2300.00} XX/XX/XXXX for {$1800.00} for a total of {$7100.00}, so why am I being charged additional fees. I am being charged over and over again for fees that were paid already. Unfortunately, nobody at XXXX is smart enough to figure it out.
Product: Vehicle loan or lease

Exterer Financial called stated they will be sale my vehicle never received any documents they reported a balance of XXXX dollars on my credit report ask them to provide documentation Report it the the credit bureau to investigate the credit update and have them to provide documents. No documents but still reporting to my credit report
Product: Mortgage

I went to my online Dovenmuehle account in late XXXX, 2015 to increase the principal payment to my monthly mortgage payment by {$700.00}. I changed my mind and went back online and entered {$0.00} in the box for additional payment. My XXXX bank statement showed that Dovenmuehle did in fact withdraw the additional {$700.00}. I went back online to check if I had not cleared the additional payment. The amount was {$0.00} for additional payment. I assumed I had made the change too close to the payment date and did not contact the mortgage company. My next automatic payment was again for the increased amount. I called Dovenmuehle and explained that the additional payment was incorrect and asked that they reverse the payment to my account and withdraw the correct amount. I desperately need the additional {$700.00} this month and last month too! The mortgage company said they could not reverse the payment, required me to print off my bank statement and fax to them to prove that the funds were actually withdrawn ( they do n't know that?! ). The mortgage company will write me a check and mail me the refund. I wanted the money put back into my account now not later. I know they can make that happen but they were not willing to do so. So much for customer service.
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXX Account Number : XXXX XXXX. 15 USC 1681i Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. XXXX. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. XXXX. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. XXXX. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. XXXX. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response within XXXX days.
Product: Credit card or prepaid card

I am a loyal American Express customer. I have been their client for some years now. I like their Membership Rewards program, and like the feature of transferring points to partner airlines. But today, XX/XX/2019, when I tried to transfer my available Membership Rewards points to XXXX XXXX (one of the point transfer partners) through American Express website, I was told "This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria". I immediately contacted the online customer service through online chat, and asked for help. The online agent was not able to transfer points for me either. So I contacted the customer service through phone, and spoke to a supervisor after being transferred three times. She basically told me the same thing and suggested that this might be caused by misuse of Membership Rewards points. But I do not agree with this, because I have not transferred points in a long time, have been using my credit cards for normal uses, and have not abused the rewards ever. I value my relationship with American Express and have also referred my close friends to apply, and they got approved of American Express cards too. I would like to be able to transfer points again as soon as possible because I already have my next travel planned out and airline reward tickets go out of stock fast. I have never misused Membership Rewards ever, and have zero intention to do it in the future, because I like American Express products a lot.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Please DELETE the following account from my consumer report as it is not mine. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX notified me 21 days before with a statement, a copy of the creditors payment ledger, As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.

Here is the law code for reference : 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

DO NOT SEND ME ANYTHING BACK TRYING TO STALL I AM WHO I SAID I WAS. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW YOU ARE NOT DOING YOUR JOB. I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES.
Product: Credit card

I have always ensured that payments on this account are made on time, never allowing them to become overdue. I am uncertain about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be rectified.