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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX  XXXX Bankruptcy Account XXXX : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Acima digital was paid in full and settled, they provided a letter of settlement but yet still have not reported transaction to experian, and negative comments incorrect balance owed remains on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I, XXXX XXXX XXXX XXXX created an account with XXXX  to check my credit report. At a glance everything looked okay until i got to the " collection '' part of the report and saw that there were 3 collections accounts in my credit report. I immediately called the collections companies to find out what the accounts were about. It is then i realized that someone had stolen my identity and used it. I told the collections company that i might be a victim of identity theft as i have never received any form of service from these companies. The refused to listen to me and asked me to pay even though i never received any form of service. It is not my fault that i have been a victim of identity theft and I should not be held liable for anything done with my identity without my permission. I also noticed that there are fraudulent hard inquiries and an address on my report where I have never lived. I am filing this police report so I can report this crime. The fraudulent information appearing in my credit report is as follows : XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX All the following information appearing on my credit report is fraudulent and I have never authorized any of these.
Product: Debt collection

I sent midland credit management this document certified mail and midland credit management did not send the requested documents asked for in the validation request I mailed. Midland credit management sent me a document that was typed out on a plain piece of paper with Midland credit management logo on the top. I'm 200 % positive there is no agreement with my signature stating that I owe Midland credit management. Anyone create anything from a plain piece of paper. The response Midland credit management sent to CFPB is bogus! I know my rights as a consumer! XXXX XXXX  is a third party company who is to abide by the FDCPA laws. The validation request I sent goes as follows : I hereby dispute your claim and request validation of the alleged debt pursuant to the Fair Credit Debt Collection Practices Act. Please provide competent documentation as follows : Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Document evidencing your company has the right to collect the alleged debt. The total debt balance with an explanation of all interest and fees. Date the debt became delinquent and/or the date of the last payment. The name and address of the creditor and the creditors account number associated with the debt. The name and last known address of the debtor as it appeared in the creditors records before the assignment of the debt to your company. The names and addresses of all persons or entities other than your company to which the debt was assigned. Send me proof that you are licensed to collect debt in my state. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications MUST BE DONE IN WRITING as telephone calls are inconvenient. FURTHERMORE, THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS! Remove this immediately from all three credit reporting agencies for Midland credit management has violated FDCPA laws!
Product: Credit reporting or other personal consumer reports

XXXX XXXX C/O XXXX XXXX XXXX XXXX, SC XXXX Number XXXX Original Creditor XXXX XXXX XXXX XXXX A Please provide verified information from original creditors
Product: Credit card or prepaid card

NOTE : This was the closest category I could use. It does not accurately describe the issue. 

Regarding American Express account XXXX. 

The XXXX year end summary provided me has a negative balance in the amount $ ( XXXX ). In XXXX there were charges totaling {$1100.00}. American Express therefore owes me {$310.00}. 

I have spoken to associates, supervisors, and even their executive office. They acknowledge the issue. However, they do NOTHING but send me statement copies from XXXX AND bills with new late charges. More than one supervisor has stated that they would audit my account and provide the results to me. This has not happened, and is really a moot point. They could go back to the day the account was opened XXXX XXXX  ago, and audit every month. On XX/XX/XXXX, the balance would still be negative {$1400.00}, and they would still owe me {$310.00}. 

Despite this, and despite having a dispute against they balance they THINK I owe, I have been subjected to threatening collections emails and phone calls. 

As noted, and as a last resort, I contacted their executive offices. Initially I was told that reoslution would come in three business days. The next business day, someone emailed and stated that they would contact me in four more days. On the fourth day, at the end of the day, that person emailed and stated she was not finished investigating and would be in touch " when more information was available. '' Since then I have received yet another bill, with yet another late charge.

I have repeatedly told American Express that they need to send the money they owe me. I have emailed the " executive office '' person several times and stated this. All they do is ignore me.

I believe that two things are clear : ( 1 ) American Express owes me money and ( 2 ) American Express is engaged in unfair ( and possibly illegal ) collections practices. Of course I have to wonder how many thousands of others American Express owes money to. 

I will attach the XXXX  year end statement, downloaded from the American Express website. If you total the CHARGE column ( Column E, the result will be XXXX. I have also attached a screen print, taken from the American Express website today, showing charges of {$1100.00} Please advise as to what you can do to get me my money and to stop the collections. Thank you.
Product: Credit reporting or other personal consumer reports

In XXXX of this year I legally changed my name. And name only everyone I have talked to including social security tells me my credit history is tied to social security number not my name. When I provided experian with my legal name documents they wiped out my credit history and score. I called them and they told me they dont move information from a old name to a new name they claim that credit info is not attached to the social security number. They said that I would have to have my creditors send them my history. Well a couple problems with that is most of its under my old name or the creditors claim they have no way of doing that. I spent allow of money and effort cleaning up and rebuilding my credit and they just erased it like a clerical error. 

My former name : XXXX XXXX XXXX My new name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reporting identity theft on XXXX collection accounts on my credit report. Below is attached an affidavit. The accounts are XXXX XXXX XXXX Amount : {$6000.00} XXXX XXXX XXXX Amount : {$190.00} I have reached out to both of these companies about these accounts. i requested a signed purchase agreement with them. neither could provide a agreement that i signed with them. i have no accounts with either of these people. i have never had an acount with either company. and when i spoke to the lawyer he said not to pay them. and that they bought those accounts so by law i dont owe them anything. and them reaching out and putting on my credit is considered identity theft. neither company has provided a signed purchase agreement with them. and i just would like them off my credit report.
Product: Debt collection

Dear Discover Bank, I am writing to formally request a copy of IRS Form 1099-C for the canceled debt associated with my account. Below are the details of the account : Account Name : Discover Bank Account Number : XXXX Date Opened : XX/XX/year> Charge-Off Amount : {$1900.00} According to IRS regulations , creditors who cancel {$600.00} or more of a debt must issue a 1099-C form. If this debt qualifies, please mail the form to my address above. If no 1099-C was issued, kindly provide a written explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I pulled a copy of my credit report and noticed a fraudulent account. STATE EMPLOYEES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Identity theft happened. Remove account. The FTC said I had the right to dispute this account. I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. I REPORTED IDENTITY THEFT AND FILED A POLICE REPORT YEARS AGO REGARDING THIS MATTER AND IT IS STILL HURTING MY CREDIT. I DID NOT OPEN THESE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XXXXXXXX BALANCED {$1500.00} XXXX XXXX XXXX XXXX XXXX {$370.00} DATE OPEN : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union Corp., XXXX. XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit card or prepaid card

I never received a statement and by law they are not suppose to charge me interest or late fee if O had not received the bill .and the refuse to take it off and its a federal law they have to remove all fees .They have charged XXXX in fees and reported me late
Product: Credit reporting or other personal consumer reports

This is my complaint to TRANSUNION for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC reports with report number XXXX and XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Consumer Loan

a negative report posted by gm financial on approx.XX/XX/2005 is still showing on my reports. 
Pa. limitation is 4 yrs. i would like this stricken from my record. I am also showing a public record of a recently discharged bankruptcy. I request this also be stricken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit reporting agency and they are still reporting the samething
Product: Credit card or prepaid card

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time writing equifax about items that are misleading and false reporting on my credit report and they have failed to respond back to me in a timely manner. According to Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), The credit bureaus may be liable for their willful non-compliance. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Im asking for the CFPB to please hold them accountable for not following the laws. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. They received my second as proof on this ( date ), which means they now have 15 more days to finish their investigation. Which means they must delete every account they can not verify. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX CTMIAMI, FL XXXX XXXX. Validate Account 1 XXXX Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

4. Validate Account XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

5. Validate Account XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

XXXX. XXXX Account XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

7. Validate Account XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

8. Validate Account XXXX XXXX AF Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

9. Validate Account CHILD SUPP Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

10. Validate Account CHILD SUPP Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

11. Validate Account XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

12. Validate Account XXXX XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

The following accounts listed above was disputed twice and the equifax have failed to respond the first time which is a violation of the FCRA. I have attached below proof of stamped certified timing that the letters was received this time by equifax and they must complete this investigation with 30 days or they must remove these accounts they can not verify. Also attached is notarized letter, original dispute letter, and credit report.
Product: Debt collection

I have repeatedly asked Synchrony bank to no longer contact me directly since the account is being handled by XXXX and all communication should go through them. I am still receiving XXXX calls a day from them and now they are calling my parents house where I have not lived in over 15 years. I do n't even know how they got their number
Product: Mortgage

I have my loan thru SunTrust Mortgage. # XXXX I am unemployed at the moment and have just been approved for the KEEP YOUR HOME CALIFORNIA, Unemployment Mortgage Assitance program I am trying to open an escrow account so I can get my property taxes paid in FULL thru the program SunTrust says I am unable to open the escrow account because it has to be 60 days out and I am 40 days.The taxes are Due XX/XX/2016 I am trying to get this all taken care of so my mortgage and taxes are paid I have never been late on any payments or taxes Please let me know how I can get this resolved Thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report on XX/XX/2019 and noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft and XXXX  trying to collect on it. Promissory note has wrong spelling of name on it and fraudulent signatures. Contacted XXXX  and they did nothing about it for two months. Sent certified letters but they keep ignoring it and wont take these off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this inquire Please remove it
Product: Credit card

Comenity manage 's XXXX XXXX 's consumer credit card. I paid a bill on XX/XX/XXXX ( XX/XX/XXXX statement ) and on XX/XX/XXXX ( XX/XX/XXXX Statement ). Then was hit with a late fee for not paying my XXXX statement minimum payment. When I called I was told I paid between billing cycles, which was true. However, when I checked my account on XX/XX/XXXX and XX/XX/XXXX my account portal stated that I had a {$0.00} minimum payment. When I logged in on XX/XX/XXXX I scheduled a payment of {$30.00} to be withdrawn from my account on XX/XX/XXXX for my XX/XX/XXXX statement. When my XX/XX/XXXX statement was available on XX/XX/XXXX is when the late fee was assessed. I contacted Comenity and was told I was late on my payments. When I finally was able to get the associate to see the full time line of payments and I explained to her that when I logged into my account to confirm if I owed a balance she told me that the online account system was irrelevant. Which is extremely troubling given I use that portal to manage my account the few times I do choose to use this card. If this portal is " irrelevant '' as I as told how am I then able to properly manage my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion historically for me has continued to erroneously report information. Transunion will indiscriminately change my credit score, and when I phone up and ask why I am always told the same answer and that they can not give me any information, while I am in the middle of dispute. Each time I request my free weekly credit report during these times of the Coronavirus they refuse again stating its because my account is under investigation. I see hard credit checks for companies that I have zero clue as to who they are and yet Transunion refuses to remove those hard credit checks, they refuse to give me a copy of my credit report. Most importantly each time I call Transuion to follow-up, I can guarantee without fail always within days see my credit score not through Transunion but through XXXX XXXX that my credit score with them gets massively impacted with a lower score. Transuion has directly impacted me through a pandemic from securing any form of loan to support my family and live. Out of all 3 major credit bureaus Transunion is the only one refusing to remove alleged collection zombie debts from my report. Transunion I feel is using illegal practices and I am hoping you will investigate them and stop there illegal practices. I am again down to a XXXX credit score only with them and when I check it states no new changes. PLEASE STOP THERE ILLEGAL PRACTICES!