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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX CO XXXX ID # 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, TXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ACCT XXXX XXXX ACCT # XXXX, has violated my rights.

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

Transunion, XXXX. XXXX continues to report inaccurate credit score and last names that should not be in my credit report. I was denied housing by XXXX XXXX on XX/XX/23 due to inaccurate credit score reporting on the Transunion credit check difference by 100 points lower than actual score and information more than 20 yrs old from a driving record that does not belong to me.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against TransUnion, XXXX, and XXXX for their failure to properly address and correct inaccuracies on my credit report. Despite multiple attempts to resolve this matter, the incorrect information remains, and the previous complaint has been closed without any meaningful resolution. 

These credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by not ensuring the maximum possible accuracy of my credit report as required under Section 1681e ( b ). Additionally, they have failed to initiate a proper reinvestigation of the disputed information, as mandated by Section 1681i, and have not corrected the errors, violating Section 1681i ( a ) ( 1 ) ( A ).

The continued presence of inaccurate information on my credit report is adversely affecting my credit profile. Despite my repeated requests for validation and correction, these inaccuracies persist, indicating a failure to follow proper procedures for dispute resolution. 

I request that immediate action be taken to investigate this issue and correct my credit report in compliance with the FCRA.
Product: Credit card

I purchased XXXX bundles of XXXX Curly hair as well as a XXXX Body Wave Lace Closure XXXX. XXXX # XXXX was placed on XXXX XXXX, 2015. My credit card has been charged in the amount of XXXX which is the cost for all XXXX items purchased. I received XXXX lovely bundles of XXXX Curly hair extensions on XXXX/XXXX/15 ; however, my XXXX Body Wave Lace Closure was not in the package. The cost of the XXXX Body Wave Lace Closure was XXXX. When I emailed the company to inquire about the missing item they advised me to reply to their email with the name used to place the order and a refund would be sent. I have yet to receive a refund and no one has emailed any updates in regard to this matter.
Product: Checking or savings account

On XX/XX/2021 I was alerted by the FL XXXX XXXX XXXX XXXX that someone using my credentials had applied for unemployment. It was not me. I alerted the university where I teach, as well as the XXXX XXXXhat someone was fraudulently using my credentials to apply for money. I also alerted the three main credit bureaus that fraudulent activity was happening with my credentials. 
Soon after that.. XX/XX/2021, I received notice from TD Bank ( talked to XXXX ) that someone had opened up an account in my ( XXXX ) name, in order to collect the fraudulent monies. XXXX said he would monitor it and noted that this was fraud. On XX/XX/2021 I received a book of checks from TD bank... so I called XXXX at TD Bank, that day and again on XX/XX/2021 to alert them to this fraudulent activity. I went to their XXXX page to lodge a complaint. I have received NO satisfaction that TD Bank has closed this fraudulent account and taken my name off of it. 
By XX/XX/2021, I have received bank statements from TD bank.. and a credit/debit card. The statements are showing activity, mainly that the FL XXXX has canceled the deposit, and now there are overdraft fees on that account. As of XXXX, 2021, I think there is still a TD Bank account open, fraudulently and using my maiden name and credentials. I have all the documentation. I can not get resolution from TD Bank.
Product: Debt collection

This company is trying to take my personal information and put {$130.00} on my debt collections that is not even mine. I wish to not contact this company again.
Product: Debt collection

My name is XXXX XXXX, and I am writing to file a formal complaint against CREDENCE RESOURCE MANAGEMENT regarding their collection practices related to an alleged debt, which I believe are in violation of several consumer protection laws, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681s-2 ( 7 ) ( A ).

Collection Agency : CREDENCE RESOURCE MANAGEMENT Account Number : XXXX Account Opened : XX/XX/XXXX Amount of Debt : {$200.00} Violations : Credence Resource Management is attempting to collect a debt without providing any proof of the debt 's legitimacy. I have been living in XXXX, TX since XXXX, but their records indicate that a XXXX XXXX  account was opened in XXXX in a different city where I was not living. This raises serious concerns about the accuracy and validity of the debt they are trying to collect. 

1. 12 CFR 1006.34 ( b ) ( 5 ) : Credence Resource Management has failed to provide clear and accurate information about the consumer 's right to dispute the debt within the required timeframe. The initial communication did not adequately inform me of my rights to request verification of the debt. 

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The collection notice sent by Credence Resource Management did not include the name and address of the original creditor, which is a requirement under this provision. This omission has left me unable to verify the authenticity of the debt.

3. 12 CFR 1006.34 ( d ) : The information provided in the collection communication was overshadowed and was inconsistent with my rights to dispute the debt or request the name and address of the original creditor. This caused confusion and concern about my legal rights and the validity of the debt. 

4. 15 USC 1681s-2 ( 7 ) ( A ) : Credence Resource Management has not ensured the accuracy and completeness of the information reported to the credit bureaus. They continue to report inaccurate and unverifiable information, which has negatively impacted my credit report and financial standing.
Product: Credit reporting or other personal consumer reports

XXXX/Equifax/XXXX  have used inaccurate information on the report, list goes as follows. 
XXXX XXXX XXXX Hard Inquiry XX/XX/23 XXXX XXXX XXXX Hard Inquiry XX/XX/23 XXXX XXXX Hard Inquiry XX/XX/23 Also Please remove all soft pulls and any late payments. 
The Name, as Listed should be only name on report. 
Any Other Address Besides Listed, shall be removed.
Product: Credit card or prepaid card

My XXXX XXXX XXXX card issued by First National Bank was closed by the financial institution on XX/XX/2020. I did not receive any warning or notification that the account was closed, but only realized it when my card was decline when I tried to use it. When I called in, I was told that it was closed because there was too many recent inquiries on my credit report, which I explained was a result of my two recent back to back refinances on my mortgage to try to take advantage of the declining interest rate environment. Given that this is not an unusual thing for people to do in such a rate environment, and no new debt was established, I requested that the bank reconsider this decision. However, they insisted that this decision is final. I believe that this is unfair practices, and I believe that the bank should have informed me and offered me a chance to explain the situation prior to taking such an adverse action. This account and none of my other credit/loan accounts have never been delinquent, and my revolving debt to credit limit ratio has never exceeded 10 %. I have accumulated nearly 34,000 points through spending on this card and I have now lost access to these points.
Product: Mortgage

This all started in XXXX we ended up filing for bankruptcy due to my loosing my good job. and has never finished ... We did a modification back then and owed XXXX and ended up with a new amount of XXXX and a payment of XXXX. This began to be a problem due to me loosing my good job in XXXX of that year. 

We ended up struggling to keep paying and in XXXX we filed for Chapter XXXX bankruptcy and tried to work something out, we were lied to by the bankruptcy attorney as well as Citi Mortgage they said after we made the Trial payments of XXXX. And that we Qualified for the making homes affordable loan forgiveness program.We did make the trial payments and then Nothing never received final papers.And then the program ended before we received any final papers. At this point we are living paycheck to paycheck. 

Then in XXXX of XXXX XXXX my husband began missing alot of work due to XXXX Problems and this caused a shortage on funds to pay the mortgage as well as all our bills. I did contact Citi Mortgage several times and each time was put on hold then the calls would be lost.. In XXXX of XXXX XXXX had XXXX  XXXX and had to take off work and Citi Mortgage was again notified of the situation. 

Then in XXXX I was diagnosed with XXXX XXXX and as a result I have missed alot of work and again, I notified Citi of this situation and asked for help. I am still dealing with the after effects of the XXXX. We then hired XXXX law to help us and they said they are looking into respa stuff and that Citi should not contact me and they have on many occasions and I asked them to get certain documents from Citi as per my rights and still have not received. I wanted a copy of all statements and payments, I have made since they acquired my loan and I have not seen anything in this regard. As well as no detailed breakdown of how or where they are coming up with these amounts. I also asked to find out about what Insurance is on my account and No answer on that either. 

All we are looking to accomplish is a fair shake. We Never expected to not Pay our Mortgage and have all the difficulties. We just need some help and for them to work with us and maybe Write off some of that Debt and give us a payment of around XXXX or less per month. Less would be better of course but, just want a fair chance to get back on track..As they promised back in XXXX. 

XXXX and XXXX Bless
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX Account # blank, has violated my rights. 

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 an account without my written instructions.

Investigation Request Letter To whom it may concern, I have received a copy of my credit report, with the intention of trying to improve my credit and take care of my responsibility. I noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am saying that I am not 100 % sure if they are. I also read something called the fair credit reporting act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of. This is why I am writing to you all.

Are you familiar with something called 15 U.S.C section 1681i ( a )? I heard that if you can not provide proof, these accounts must be deleted. I want these accounts deleted if they are not 100 % right and accurate. So, could you please check on these and get back to me? I saw on a Credit site and board where this lawyer said you have 30 days to complete this investigation. Please investigate all of my accounts and remove them if anything is missing or not correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent the XXXX to collection company that states I am not responsible for charges and the charges violate XXXX XXXX guidelines. Company asked me to provide them with an itemized bill in response in order for them to act on my dispute XX/XX/24. Amount the caller today stated I owe has increased but I still have not received a bill from the collection company only phone calls and emails.
Product: Credit reporting or other personal consumer reports

Beginning XX/XX/scrub> 2024 I contacted company after payments fell behind due to XXXX illness. I called them to begin payment the account. They added fees and late charges of {$5300.00} and the agreement was for {$87.00} autopay out of my checking account. About XXXX  months ago my credit score dropped. 
I tried pulling a free report to find out what caused the drop and was not able to tell. Then my credit card company sent me an update regarding a change in my score and the company reporting it. It was company I signed documents and made autopay arrangements with. I has a XXXX and XXXX transplant due to bills falling behind. I have been working on my credit for a year to get it back up to XXXX 's and now without any disregard for laws. The company ruined my credit score. When I called they gave no reason but yes we reported it late. I told them that is against the FCRA of fair reporting practices. They didn't seem to care. I want my credit restored!!! I an livid ....
Product: Debt collection

XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE XXXX XXXX FOCUS FIN XXXX FOCUS FIN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FIN XXXX FOCUS FIN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit card

Citibank Best Buy Credit Card was not clear on how the payments towards their promotional balances ( 18 month financing ) were applied and were processed in a way that interests were accumulating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2018 RE : Request for Removal of Fraud/Security Alert ( s ) Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER placed such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. Thank you in advance. 

Very Respectfully, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

Written request was made to the company via mail as well as via to a point of contact at the company who acknowledged receipt of notice to cease and desist. They have continued to call repeatedly after receiving my formal request to only communicate with me via email or in writing due to conflicting information given to me by different individuals who supposedly work for this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX and XXXX. Despite sending them request to provide a proof of last payment and documentation that these accounts belongs to me, I have not received any response up to this date. Besides, the inaccurate information about my accounts are still on my reports. They did not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting incorrectly on my file : NEW RES-SHELLPOINT MTG XXXX Date opened XX/XX/2017 Balance {$0.00} ; NEW RES-SHELLPOINT MTG XXXX Date opened XX/XX/2017 Balance {$0.00}
Product: Debt collection

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Professional Collection XXXX XXXX XXXX, XXXX  XXXX, IL XXXX To Disputes Department : This letter is in response to your recent claim regarding a collection, which you claim that I owe you {$84.00}. By lying and stating you mailed out letters to the above address on 2 different occasions is not true, as I didnt move to my new residence until XX/XX/2021, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My XXXX Macy 's account is showing XXXX late payments in XXXX and XX/XX/2024. I am a veteran with a service related XXXX  injury. I meet other XXXX veterans online and travel to their location to provide emotional support. During the periods when the late payments were reported, I was in an area affected by severe weather and or a natural disaster. This caused glitches in the app which resulted in the app showing that the payment was successfully submitted. I am asking for XXXX XXXX XXXX XXXX XXXX a good will rehabilitation of the late payments in light of the circumstances. I believe natural disasters are are framework for this kind of credit history remedy.