23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a formal complaint regarding your failure to provide the legally required documentation validating your right to collect on the alleged debt associated with Account # XXXX. 

I previously requested the Forward Flow Agreement ( FFA ) or any Bill of Sale that establishes a legitimate chain of assignment from XXXX XXXX XXXX ( ACA ) to Plaza Services , LLC. Instead of fulfilling this lawful request, you responded with general loan documents that do not address the legal transfer of debt ownership in complaint number XXXX. 

Legal Violations & Demands : 1.Failure to Provide Proof of Ownership & Collection Rights Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide verification of the debt, including evidence of ownership and assignment.

Your failure to supply the Forward Flow Agreement or Bill of Sale means you may not have the legal standing to collect on this debt or report it to credit bureaus.

2.Unlawful Credit Reporting Potential FCRA Violation Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), you must ensure the accuracy of the information reported to credit bureaus. If Plaza Services , LLC can not prove legal ownership of the account, then any reporting to XXXX, XXXX, or XXXX constitutes inaccurate reporting, which is illegal. 
3.Possible Deceptive Collection Practices Under 15 U.S.C. 1692e, it is a violation to misrepresent the character, amount, or legal status of a debt.

If Plaza Services does not legally own or have collection rights, any attempt to collect is a deceptive practice that may result in statutory and actual damages.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian Information Solutions , Inc. for violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The complaint alleges that Experian : Failed to Properly Investigate Consumer Disputes Experian did not reasonably reinvestigate consumer disputes about inaccurate or incomplete information in their credit reports, often failing to forward all relevant information to furnishers or providing misleading dispute codes. 

Over-relied on Furnishers ' Responses Even when furnishers provided inconsistent or illogical responses, Experian failed to conduct independent verification and instead blindly accepted the furnishers input. 

Provided Misleading Notices to Consumers Experians reinvestigation result letters often contained ambiguous, incorrect, or contradictory information, making it difficult for consumers to understand dispute outcomes.

Failed to Remove or Prevent the Reinsertion of Inaccurate Information Experian did not take sufficient steps to prevent previously deleted inaccurate information from being reinserted into consumer reports by different furnishers.

Violated Reporting Timelines Experian failed to notify furnishers of disputes within the legally required five-day window and, in some cases, failed to reinvestigate within 30 days. 

Did Not Investigate Certain Disputes The company refused to investigate disputes about unauthorized " hard inquiries '' unless consumers specifically claimed identity theft. 

The CFPB seeks injunctive relief, financial penalties, and restitution for affected consumers. The case aims to ensure Experian adheres to fair credit reporting practices and improves its dispute resolution processes.
Product: Credit card or prepaid card

On XX/XX/2019 I was approached by a XXXX employee at XXXX XXXX about a XXXX bonus offer for a new AMEX Gold Delta Skymiles credit card. I agreed to apply for the card on the spot at the airport, using one of the computer terminals available there for that purpose. AT NO TIME DURING THE APPLICATION PROCESS WAS I NOTIFIED THAT I WASN'T ELIGIBLE FOR THE WELCOME OFFER. The employee helping me did most of the application process. My only input was my social security number and my income. If the employee saw a message saying that I wasn't eligible for the offer, HE DID NOT SHARE THAT INFORMATION WITH ME. 

I would not have applied for this card if I had known I wasn't eligible to receive the bonus miles. I don't need any more credit cards! The entire process of soliciting people at the airport as they arrive tired from a flight, and getting then to use the airpot computers with the " help '' of an employee should be banned. I contacted AMEX, who said that I was notified during the application process that I would not qualify for the bonus miles offer and chose to proceed anyway. THAT IS A LIE! I WOULD NEVER HAVE CHOSEN TO CONTINUE WITH THE APPLICATION HAD I KNOWN THAT! THIS ENTIRE PROCESS IS MISLEADING AND FRAUDULENT. I WAS TAKEN ADVANTAGE OF AS A CONSUMER AND NOW I AM STUCK WITH A CREDIT CARD THAT HAS AN ANNUAL FEE OF {$95.00}. THIS IS ABSURD! SHAME ON AMERICAN EXPRESS FOR TAKING ADVANTAGE OF CONSUMERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ).

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

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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 or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

ACCOUNTS WERE OPENED IN MY NAME UNFORTUNATELY. The accounts listed are 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 Please make sure to remove these fraudulent accounts off of my credit report! I don't wish to include personal experiences of my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ILXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXX  ( Original Creditor:XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX XXXX Balance XXXX {$1800.00} 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, NV XXXX ( XXXX ) XXXX I have tried to resolve and dispute this issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX various credit reporting agencies dispute systems ; however, they have ignored my statements and kept me in collections ; while having me incur interest on a debt that is not mine. 

They are collecting for a company called " XXXX XXXX  '' which I have never heard of - much less signed any contracts with. 
I have had my identity stolen at some point since I moved to Michigan - as false wages have been reported in various states - I have already reported this to the FTC as well as the FBI and various law enforcement agencies in the in the states in question. I am not sure ; however, if this account has anything to do with identity theft Regardless of the reason- I have never heard of or consented to do any sort of business with XXXX XXXX  or any of their affiliates ; nor was I informed of any debt to this bank in writing at any time before or after it was transferred to XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Once again ; I have never incured debt with Northern Nevada XXXX XXXX XXXX I have disputed this successfully with both Equifax and XXXX ; XXXX, for some reason they are still on my Trans Union report XXXX I have no clue why they would bill me for XXXX separate instances XXXX years apart. 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was XXXX XXXX rendered- it should have been well handled by my XXXX. This is clearly a billing error that I was not aware of and then was pushed to collections. 

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for XXXX years after the service was rendered or last payment recieved. As most companies take a minimum of XXXX to XXXX months to collect debt privately and this debt was accquired by XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  on XX/XX/2018 it would make it WELL beyond statute for both unsecured open ended debt of 4 years and be very close to the end of Statute for written and secured closed end debt contracts in the state of Nevada.
Product: Mortgage

Sustained property damages bathroom pipe bursed, filed claim with my insurance company and received XXXX payment of $ XXXX. 

80 % of work is now completed an requested inspection per bank instructions. appointment for inspection was scheduled forXX/XX/XXXX at XXXX. I stayed home all day and no one showed up or called. 

Called the bank the same day and spoke to several representative ( XXXX and XXXX ) at XXXX and XXXX and XXXX on XX/XX/XXXX ,XXXX XXXX. 

I have been trying to schedule an inspection since XXXX XXXX and only getting the run around and not able to transfer me to a supervisor.
Product: Credit reporting or other personal consumer reports

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial XXXX. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Product: Credit card or prepaid card

I enrolled in a promotion where American Express Hilton XXXX XXXX advertised in XX/XX/2022, that AMEX will award the credit card holder XXXX bonus additional points for every {$500.00} spent ( up to a maximum of XXXX bonus points ). The verbiage on the promo was confusing. So I called American Express customer service to confirm that if I made a lump purchase of {$2500.00}, that I would be awarded XXXX Hilton Honors points. 
The American Express rep that I spoke with confirmed this, which was why I decided to make a lump sum payment of over {$2500.00} later in XX/XX/2022. When the statement cycle ended, American Express only awarded me XXXX Hilton Honors points for the purchase of more than {$2500.00}. 

I subsequently have made 2 phone calls which have lasted over XXXX XXXX with American Express about this error and they have failed to properly credit my Hilton Honors account with the missing XXXX bonus points.
Product: Credit card or prepaid card

discover credit card froze my wife 's credit account without authorization because they needed to review tax returns and income. my wife had an established credit with them for two years. when i called to to ask about my wifes account they closed my account. this will affect my credit even though the credit card are payed in full. this company has not right close my account and affect my credit.
Product: Credit reporting or other personal consumer reports

I received an alert on XX/XX/XXXX that a new account was added to my XXXX credit report. The company name is CURRENT XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX and they reported that a secured credit card was opened on XX/XX/year>. I did not apply for any credit with this company. I disputed this account with XXXX on XX/XX/year> and again on XX/XX/year>. XXXX saw that I did not lift a credit freeze on XX/XX/year> and said they will escalate this dispute. I did not lift a credit freeze on any of the XXXX credit bureaus and apply for any credit on XX/XX/year>. I was given a file number and told to follow up with this complaint. This account was placed on my credit report fraudulently.
Product: Bank account or service

I recently signed up for a CitiGold account under the promotion that if I spent {$1000.00} using the included debit card, and completed XXXX bill payments, I would be rewarded with XXXX AAdvantage miles. I was told in a chat XX/XX/XXXX that I had completed the requirements, and would see my miles by XX/XX/XXXX. It is now XX/XX/XXXX and while they said they opened an investigation, they have been unresponsive regarding the reward.
Product: Money transfer, virtual currency, or money service

You sent {$500.00} to XXXX XXXX at XXXX from account ending in XXXX. 
Case ID : XXXX Bank of America has placed this transfer on hold pending review. You'll need to contact us within 15 days to avoid further delays and possible rejection or seizure of your transfer. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Bank of America flagged a routine XXXX transfer to a friend, it was flagged for description XXXX XXXX ( which is a class reunion hike planned for XXXX XXXX XXXX ). I initiated transfer on XXXX, called the bank on XX/XX/XXXX morning to confirm as asked, no resolution after spending 2 hrs on phone, no answer from compliance department, no option of cancelling the transaction, no explanation of when this review will be done as of XX/XX/XXXX, meanwhile no refund and my funds are illegally on hold in a limbo. I would rather mail a check than use XXXX with Bank of America. 

Rude customer service and manager, this Bank needs another " fine '' for mis-treating customers and pulling a fine print clause for withdrawing money without transferring it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureaus but I have not been notified of the status of the disputes so far. 

According to the FTC they have a maximum of 45 days to respond and they have not done so. 

I have negative items affecting my credit score and they have not been corrected. 

I am attaching the proofs of the letters that I have sent to the 3 credit bureaus. 

I appreciate your prompt communication thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't owe anything to NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Debt collection

Afini Did not abide by the fcra .article 623 section 3 ". In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act. ( " I never received any notice of debt or notice of intent to report to a consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  CA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX OF 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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

chapt XXXX bankruptcy only supposed to stay on for 7 years. its 7 years inquires as well XXXX, XXXX  mortgage amrent premium 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: Consumer Loan

I discovered myself that I had a FRAUD ALERT that I was not aware of on my XXXX Bank account. As I searched my account I clicked on Credit Alert which was located under Credit Tracking. XXXX is not only a bank but also a credit alert company that I do not pay extra for this feature. I never received an alert from XXXX notifying me of this new alert so I called them wondering why. I was told that this alert did not show up anywhere on their records. The XXXX Credit bureau also failed to notify me of any changes on my credit reports. So I copied and pasted the XXXX inquiries that I was looking at for you to view and to see and what I am talking about. You will be able to download it from the attachment I sent to you. I find these inquiries to be troubling, quite strange and suspicious. Can you please investigate these problem? 
1. Carecredit.comProcessed Date XXXX Reported XX/XX/XXXXCommentsStatement added because consumer was a victim of true-name fraud # IFCRA ( XXXX ) XXXX ( XXXX ) XXXX statement : You placed a fraud alert on your credit file. 

2. Processed Date XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX Address Street Address Line One XXXX XXXX XXXX Address City XXXX XXXX Address Zip XXXX Address State XXXX Address Street Address Line One XXXX XXXX XXXX XXXX Address City XXXX XXXX Address Zip XXXX Address State XXXXNew inquiry : A business added a new hard inquiry to your credit file. 







3. Processed Date XXXX Number XXXX Name SYNCB/CARE CREDITIndustry Type Miscellaneous Finance CompaniesStreet Address Line One XXXX XXXX XXXX XXXX XXXXZip XXXX XXXXAccount Balance 0Payment Status CurrentCreditor Preferred Contact OtherNew trade account : An account provider reported a new account to your credit file. 
. 

4. Credit XXXX InquiryProcessed Date XXXX Name XXXX XXXX XXXX XXXX Address Street Address Line one XXXX XXXX XXXX XXXX Address City XXXX Address Zip XXXX Address State XXXXInquiree Address Street Address Line XXXX XXXX XXXX XXXX STInquiree Address City XXXX Address Zip XXXX Address State XXXXNew inquiry : A business added a new hard inquiry to your credit file. 

See alerts of critical changes to your XXXX report. View alerts about any delinquent accounts, fraud alerts, new accounts or addresses, and names that may point to potential identity theft.