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

This is the 6th attempt to contact Equifax, and my 2nd complaint with the CFPB regarding misleading, incorrect information on my credit report and I have become emotionally stressed by the fact that Equifax isnt reasonably investigating and fixing this matter. This process has caused me time, stress and opportunities. According to 15 US Code Section 1681 ( I ) of the FCRA, I demand that the information for XXXX ( Account : XXXX ), XXXX XXXX ( Account:XXXX ) and XXXX XXXX  XXXX XXXX be reinvestigated and deleted from my credit report. On XX/XX/2018, you stated in writing that you had investigated the accounts and that they had come back as verified. How? I did not receive a contract with my original signature on it, or any binding agreement that would authorize XXXX, XXXX XXXX or XXXX XXXX to report information under my name and social security number. In fact, this is my 6th request for a contract bearing my signature to be provided from me, by way of the companies in question. 

Let me be clear. I am requesting that a contract or written agreement with my signature on it be furnished by XXXX, XXXX XXXX and XXXX XXXX within 15 days. If a written contract with my signature on it is not furnished within 15 days then I demand that these accounts be deleted from my credit report. By not providing me with a signed written contract, Equifax, XXXX, XXXX XXXX and XXXX XXXX are in direct violation of the FCRA. 

I have been carefully documenting your willingly noncompliance and have filed a complaint with the FTC. If you fail to conduct a reasonable investigation then I will be forced to file a complaint with the Attorney General in both my state and yours. Please delete this misleading information and supply me with a corrected credit report within 30 days. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has placed the creditor, again, on my report, named XXXX XXXX XXXX for {$76.00} ) after they had originally deleted them off about a year ago ; when I had reported that the charge was not mine, due to fraudulent charges and identity theft. The charge does not belong to me. Transunion also took off XXXX   XXXX XXXX charge off account and added it bank to my account. I had reported to Transunion that the account had fraudulent charges that were not mine. The charges do not belong to me. 

Also, I would like to report that Transunion and the other credit reporting agencies are aware of my data/identity being stolen in the past. XXXX XXXX and XXXX has recently contacted me that my person data/identity has been breached/compromised again, by several entities. Over the last 5 years ( or more ) to current ( as recent as XX/XX/2019 by XXXX XXXX and XXXX ), it has been reported to me that my data/identity/credit had been breached by over 20 various entities. Some of entities ( past and present ) had included had included XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, college book stores, email entities ( as XXXX ), medical,  and more. They included my name, address, date of birth, credit card information, and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a hard inquiry on my Transunion report for a credit card I never applied for on XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report. And Transunion said I had to report it with the Federal trade commission before filing dispute
Product: Credit card or prepaid card

During the months, XX/XX/XXXX and XX/XX/2016, I attempted to make the payments on my secured credit card and was unable to due to the processing system being able to use my cards account number which was the only way I was allowed to pay at the time. The debit card I used to pay my bill with was a prepaid debit card and was not accepted. I didn't have problems with paying my bill before this time of incident. 

I had contacted capital one customer service multiple times to try to resolve the issue and was spoke to rudely by the customer service representative. As I was speaking, I was cut off multiple times while trying to explain the problem I was having with my debit card at the time of payment.
Product: Debt collection

Everyday of the week for the last couple months same numbers calling repeatedly, even if I answer they hang up. I ask them to not contact. day and night phone calls even on XXXX, its giving me XXXX  and stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax on XX/XX/XXXX. I have confirmation of the receipt of this dispute from the post office and Equifax. This dispute was for XXXX XXXX Account number XXXX. Equifax opened the investigation on or about XX/XX/XXXX-XX/XX/XXXX. They were unable to verify as this is not my account. I have submitted documentation and police report as well to this affect. As of today, XX/XX/XXXX Equifax has re- opened the investigation, which is now allowing an additional 30 days to verify the account. This is against the law.
Product: Money transfer, virtual currency, or money service

I received a XXXX payment as beneficiary of deceased wife and I tried to have it cashed. Instead of honoring it they told me it was altered and would not return it without a police report so I filed one, as well as, a complaint with the attorney general
Product: Debt collection

Supposedly had an acct in 2012 they using my maiden name, which hasnt been correct in years. Then threatened me for law suit on what theyre saying is over 10 year credit XXXX a wrong email and all
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 Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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

The debts are considered a charge off. 
However, this is actually considered income because I should have received a 1099 C in order to account this as income. This is not a charge off. I'm requesting these charge offs be removed because it is not debt This is considered income and income should not be reported on my credit report.
Product: Credit card or prepaid card

While I was in the process of buying an XXXX XXXX ticket on XX/XX/2020, I was offered a Citi XXXX with a {$250.00} statement credit and 40,000 bonus miles for spending {$2000.00} in 3 months. So I applied, was instantly approved, and the ticket was charged to my new Citi card in the amount of {$310.00}. 


But now ( XX/XX/2020 ) I'm told that the promotional offer is not valid because I had another Citi AA card almost 2 years ago. If that's the rule, I have no problem with that. 


What I have a problem with is Citi making the offer and accepting my application under false pretenses. 


There was no overt or obvious warning during the application process about the 2 year exception to the offer. Furthermore, this could easily be prevented! The application process could simply be connected to their customer records to alert certain applicants that theyre not eligible. 


This is operating in bad faith, and the reason Citi and other banks/lenders have such a well deserved bad reputation. It's predatory lending.
Product: Vehicle loan or lease

On XX/XX/2023 The CFO of Exter Finance received a letter of intent to sue with Affidavit of truth with other items enclosed as proof of my claim of fraud and forgery on the companies behalf. The letter/affidavit entails that the contract with Exeter Finance LLC was never actually assigned by the dealership, and that Exeter Finance LLC sent me a " copy '' ( forged ) contract that had been assigned by the dealership but the original contract that I had was never assigned. I offered them a settlement to change the status of the reporting on my credit to the 3 credit reporting agencies, and a monetary settlement of {$63000.00}. The amount owed from original finance amount, payments made before I made the discovery, and compensation for damages endured during the repossession process. On XXXX XXXX, XXXX there was a positive change to my credit reporting. I have attached the picture of this reporting. There has not been a monetary compensation to go along with the changes to my credit reporting. I then sent a handwritten letter as a courtesy along with several screenshots, and a copy of my photo ID to the company 's legal department explaining that the piece of mail was not received by me and I was unaware if it was from them. It was received on XX/XX/2023 the lost/stolen mail was along the time line of the changes to my credit reporting. I am still unsure if it was a compensation package or not, but I did not want to falsely accuse them of not compensating me when they had made an attempt to do so. I have yet to receive any response to that letter. 

I asked in the letter of intent that if there was to be any mailings or agreements before I moved forward with a lawsuit against them that it be sent via registered mail with a signature to prevent mail theft/fraud. 

I have not heard anything back from the company. I wanted to submit a complaint to verify that they have not agreed to the monetary compensation portion of my intent to sue letter, and only the credit reporting changes although I have clear evidence of fraud and forgery on the companies behalf. 

I have all records of mail items received by the company so there is no excuse on why I have not been compensated properly in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a dispute I raised regarding an account on my credit report. Despite my efforts to rectify the issue, the account has been inaccurately verified by the reporting agency. I am seeking your assistance in rectifying this matter. 

Account Information : XXXX XXXX  XXXX XXXX Experian Under the provisions of 15 USC 1681 a2 and 15 USC 1681 s2, it is my understanding that I have the right to request the information that the reporting agency received from the creditor in response to my dispute. However, when I requested this information from the reporting agency, they failed to provide it.

I firmly believe that the account in question has been incorrectly verified. I respectfully request that you conduct a thorough investigation into this dispute and take appropriate action to ensure the accuracy of my credit report.

I understand that it is within your authority to compel the reporting agency to provide the information they received from the creditor as part of their verification process. This information is crucial in demonstrating the accuracy or inaccuracy of the reported account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and The Federal Trade Commission-Consumer Response Center-FCRA has been contacted and a complaint has been filed also I filed a police report and the FTC ID Theft Report on file. The accounts that are in question were originally with XXXX XXXX, the sold to XXXX, then sole to XXXX XXXX, and I have addressed the issue and they were deleted with All the Credit Bureaus. Now another company bought them under the name Ascendium Education which is reporting ( 4 ) accounts on my credit file ... Now another company called XXXX. XXXX XXXX XXXX XXXX XXXX is trying to buy the debt.
Product: Credit card or prepaid card

I am a Discover credit card customer. Unknown person made unauthorized credit card purchase of {$470.00} in XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX, TX with my Discover credit card ending XXXX at XXXX on XX/XX/XXXX. I was at home and the credit card was in my possession when the unauthorized purchase was made in XXXX. I reported the incident to the Discover Bank and the bank agent suggests me to file a police report to help with the credit card fraud incident investigation. I followed their suggestion and filed a police report to XXXX XXXX police with the case # XXXX in XX/XX/XXXX and I sent all the police information to them. I called them several times and the agents kept telling me they were still in the investigation process. I called them again today and they told me that they declined my request for the refund of the unauthorized charge of {$470.00} since they couldn't get in touch with the police. I can not accept their decision because they didn't provide me with reasonable evidence to show I was responsible for the unauthorized charge. It is the violation of the Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Minimum payment met on Capital one credit cards ( please see attachments XXXX. 

-Called in and Capital one agreed to fix their mistake. Removed from credit report XX/XX/2020. However it popped back up on XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report incorrect information to my Experian credit report. It is reporting that the account is opened instead of closed with XXXX balance. I have had issues with them reporting incorrect information, I reported them to XXXX XXXX XXXX  and they removed but months later they are reporting incorrect information again causing my credit score to drop by 13 points putting my chance of getting a mortgage for a house in jeopardy. They will not stop doing it. It is extremely hard to get to talk to them.
Product: Debt collection

I have no idea who Commonwealth Financial is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Commonwealth Financial is indicating that the account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized
Commonwealth Financial as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ Commonwealth Financial } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Commonwealth Financial, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Debt collection

I am writing to file a formal complaint against KeyBank for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Electronic Fund Transfer Act ( EFTA ). My experience with KeyBank has been extremely distressing, characterized by persistent harassment, misrepresentation, negligence, and a failure to comply with federal regulations, all of which have had a detrimental impact on my financial stability and mental well-being. 

Harassment and Abuse ( 15 USC 1692d ( 5 ) ) : I have been subjected to repeated and continuous phone calls from KeyBank or its representatives, amounting to harassment and occurring at inconvenient times.

Misrepresentation of Debt ( 15 USC 1692e ( 2 ) ( a ) & 15 USC 1692e ( 14 ) ) : The alleged debt has been inaccurately presented in character, amount, and legal status. Moreover, the use of misleading names or titles in debt collection efforts has caused confusion.

Failure to Properly Validate Debt ( 15 USC 1692g ( b ) ) : My requests for debt validation have not been met with adequate responses. KeyBank has failed to provide verification of the debt signed under penalties of perjury, essential for ensuring the accuracy and truthfulness of the debt claim. 
Disputes of Electronic Fund Transfers ( 15 USC 1693f ( 3 ) ) : I dispute two transactions that have resulted in the alleged debt. KeyBank has failed to determine whether an error occurred within the legally required 10-day period, and I have not received any correspondence regarding the outcome of this dispute.

Seeking Treble Damages for Recurring Issues ( 15 USC 1693f ( e ) ) : Due to the recurring nature of these issues with KeyBank, including their non-compliance and errors, I intend to seek treble damages. These repeated instances have caused significant distress and inconvenience.

Lack of Evidence for Authorization of Transactions ( 15 USC 1693g ( a ) ) : KeyBank has not provided any evidence, such as a signature, photograph, or fingerprint, to substantiate the authorization of the disputed transactions. This absence of proof casts serious doubt on the validity of these transactions.

Financial Harm ( 15 USC 1693h ( a ) ) : The incorrect handling of my account by KeyBank has led to financial harm, with insufficient funds and incorrect account balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

OCWEN Loan servicing extorted money from me. They were NOT within Legal right to impose Escrow on my mortgage NOR were they within legal right to PAY my property taxes. Nor did they PAY a REAL homne owner insurance company any payment to cover my home for that moment of lapse in payment due to them paying it BEFORE me. Also, there was NO detailed statement EVER sent to me at my on record address showing a breakdown of what my additional XXXX in closing went to. They issued a mortgage statement for year end that was Inaccurate to reflect NO Property taxes paid yet I sent them a Cashiers Check with Property Taxes Typed specifically on it. They attempted to STEAL my property with in the final 6 months of me being considered Florida resident. I have a Photo of my BALANCE as reflected on XXXX in XX/XX/XXXX. XXXX balance. Not XXXX. OCWEN never provided an Origional mortgage document because the loan was Purchased from XXXX XXXX XXXX who tried these very same tactics on me in the past unsuccessfully and they sold the paper because they themselves DID NOT HAVE MY ORIGIONAL DOCUMENTS. My document stated ONLY Principal and Interest. NO ESCROW. Period! My XXXX NO LONGER even shows my OCWEN half of servicing or PAY OFF!! My score dropped 100Points. It only reflects XXXX XXXX XXXX and as sold paper. Not PAID IN FULL!! THIS IS PREDATORY!! This is FRAUDULENT! Not only did I HAVE to take a loss on the sale of MY HOUSE, I had to use all proceeds to pay off the NEW bathrooms, Air conditioner, Stove and Garbage Disposal I had Just installed in XX/XX/XXXX and XX/XX/XXXX. IF I am FORCED to take this loss, my credit should reflect I AM PAID IN FULL ON A Mortgage for $ XXXX Balance. SHAME ON OCWEN TO STEAL FROM ME!!!
Product: Credit reporting or other personal consumer reports

Subject : Failure to Notify Consumer Reporting Agencies of Disputed Debt - Violation of 15 U.S.C. 1692e ( 8 ) XXXX XXXX, I am writing to address your failure to comply with federal law regarding an account under my name. Specifically, you failed to notify the consumer reporting agencies that this debt was disputed, in violation of 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ).

As you are aware, under 15 U.S.C. 1692e ( 8 ), debt collectors are prohibited from failing to communicate to any person that a debt is disputed, particularly when such omission would mislead or harm the consumer. The relevant case law, XXXX XXXX XXXX XXXX XXXX, 160 F.3d 64 ( 1st Cir. 1998 ), supports the position that a failure to report a disputed debt to the consumer reporting agencies constitutes a violation of the FDCPA. 

Here are the key facts of this matter : I and the co-signer disputed the validity of this debt XX/XX/XXXX. I possess time-stamped electronic proof of this submission, to which an employee acknowledges receipt. You failed to notify the consumer reporting agencies that this debt is disputed, resulting in inaccurate and misleading information being reported on my consumer report. 

Due to such negligence, I reserve the right to pursue remedies under the Fair Credit Reporting Act ( FCRA ) and FDCPA, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).