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

Prior to reporting a delinquent consumer debt to a credit reporting agency, Federal agencies are legally required to follow certain procedures and minimum due process requirements pursuant the 5th Amendment when reporting delinquent consumer debts to credit reporting agencies. 


The Treasury has provided invalid credit information to the credit reporting Bureau without providing minimum due process to review the case and complete the administrative hearing as requested within the 30 day XX/XX/2020 deadline to respond within the notice dated XX/XX/2020. 

The agency can not prove the debt is valid, has not provided me any opportunity to review the debt nor can the agency even prove that the debt is overdue, and has not completed any investigation and provided any opportunity to rebut even an initial decision as no findings have been made. 


Once all minimum due processes and procedures have been observed within the XXXX  XXXX program, ie the administrative hearing and the right to review and respond, only then can the accused be provided a 60 days notice to respond. The agency can not show that it sent any notice prior to XX/XX/2020 that provided a mandatory 60 days notice of intent to report for which to respond and prevent derogatory information from my credit file all under 31 USC 3711 because the file is still pending administrative hearing and review of the validity of the debt. 




Reporting debts owed to the United States to consumer reporting agencies is governed by the XXXX and the XXXX as codified at 31 U.S.C. 3711 ( e ). Obligations of consumer reporting agencies and state and local government agencies to investigate disputes under the Fair Credit Reporting Act ( FCRA ) arise independently of 3711 ( e ). Because the federal agency can not ( 1 ) complete an investigation to provide evidence that a hearing with a required initial hearing reconsideration has taken place as well as ( 2 ) prove that the debt is even valid due to the absence of any evidence as requested on XX/XX/2020, the reporting bureuas are required by the FCRA to delete the information from the credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I've been working with TransUnion LLC since XXXX of XXXX to fix and correct all information on my credit file. But as of today XXXX of XXXX. TransUnion LLC as failed to follow the procedures of the FCRA. TransUnion LLC has been reporting misleading, unverifiable, incomplete, erroneous, fraudulent, inaccurate information, and old none relevant information with no physical copies documents to show proof of illegal reporting on my credit profile. Because of TransUnion LLC negligence I am suffering at a tremendous financial hardship. TransUnion LLC is clearly breaking federal & state law by continuing report these accounts on my credit report and it needs to be addressed and corrected at once.
Product: Debt collection

XXXX XXXX XXXX has hired a company called KP Asset Consultings. They have called me several times stating I have a lawsuit, after I spoke to them and told them Im under a debt consolidation program with XXXX XXXX XXXX XXXX They still have continued to call me. On XX/XX/23 they started contacting my mom by text and phone calls. I also sent a letter to XXXX XXXX loans from my lawyer stating their debt is under this program and they should no longer be contacting me, they need to contact the lawyer group. The phone calls have been more of a threat of a lawsuit and being arrested.
Product: Checking or savings account

Continuing issue with monthly {$12.00} acct maintenance fees and {$35.00} NSF fees.. XXXX & XXXX accts for {$12.00} & multiple {$35.00} charges on XXXX acct.
Product: Debt collection

XXXX XXXX XXXX , XXXX contacted me by phone on XX/XX/2018 regarding and outstanding lease balance in the amount of {$2200.00}. My wife and I have NEVER leased anything in our lives. 
They gave an email address that is on the bill that is not ours. 
They would not give any information on when the account was opened or for what services.
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me. I need to get these things fixed immediately, it is hindering my livelihood and my quality of life. They report inaccurate and incorrect information and it's illegal they should not report it 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 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 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: Checking or savings account

I opened a checking account with First Citizens Bank on XX/XX/2021. I deposited {$50.00} through XXXX. They officially closed the account on XX/XX/2021. They said the {$50.00} would be refunded to the account I opened it with ( external account ). This never happened. I called customer service and they said a check was to be issued to me. Waited 10 business days-NO CHECK. Another call and they said they reissued a check. Still NO CHECK after 10+ business days. Repeated calls to customer service will no resolution. A check shouldn't take this long to receive.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX have repeatedly reported inaccurate information on my credit report they have two addresses that i have never lived at and are unmailable addresses. They are XXXX XXXX XXXXXXXX XXXX XXXX XXXX GEORGIA XXXX AND XXXX XXXX XXXX XXXX GA XXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX GA XXXX. AT THIS POINT I WILL BE PURSUING LITIGATION IF ITS NOT REMOVED AND UPDATED ACCORDING TO THE PRIVACY ACT OF 1974.PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN VERBAL AND NON VERBAL PER 15 USC 6802 TO 6805.
Product: Debt collection

Portfolio Recovery Associates , LLC. 

Subject : Formal Dispute of Alleged Debt Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt associated with the account ending in XXXX that you claim was purchased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting complete validation of this debt, including all documentation that substantiates your claim. 

1. Debt Validation Request Per 15 U.S.C. 1692g ( b ), I request that you provide the following : A copy of the original signed credit agreement or contract between myself and XXXX XXXX proving my liability for this debt. 
A detailed payment history showing how the balance of {$690.00} was calculated, including all transactions, interest, fees, and penalties. 
Proof of ownership of this debt, including a bill of sale or assignment agreement between XXXX XXXX and Portfolio Recovery Associates , LLC. 
Any and all documentation that confirms this debt is within the statute of limitations for collection in my state. 

2. Cease Reporting to Credit Bureaus Until Debt is Validated If you can not provide adequate validation of this debt, I demand that you immediately : Cease all collection efforts and remove any reporting of this account from my credit reports per 15 U.S.C. 1681s-2 ( b ).

Provide written confirmation that you will no longer pursue this alleged debt.

3. Possible Violations and Legal Recourse Your response states that no contract is required to validate the account ; however, under federal law, a debt buyer must still provide proper validation when requested. If you fail to comply, I may pursue legal action for violations of the FDCPA and FCRA, including damages for : Furnishing inaccurate information to the credit bureaus without proper verification. 
Failure to provide adequate debt validation as required by law. 
Attempting to collect an unverified debt, which constitutes deceptive and unfair collection practices. 

4. Cease and Desist Communication Unless you provide full debt validation, I request that you cease all further communication with me regarding this matter, except to notify me in writing of your compliance with my requests. Any further attempts to collect an unverified debt will be documented and may result in legal action.

Please respond to this dispute in writing within 30 days of receipt of this letter. If you fail to provide the requested validation, I will assume this debt is invalid and demand its removal from my credit file. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I've had a bank account with Credit Karma for three years now. I have a checking, savings and credit builder/second savings account with them. On XX/XX/year>, I got an email from Credit Karma saying my account was locked due to a potential security risk and that my money was safe, and that someone would be reaching out with steps to get back into my account. I then received another email about 5 minutes later saying " your account has been deactivated. Thanks for using Credit Karma. '' I've used chat support. I've talked with Credit Karma representatives about 10 times now and every single time they tell me someone from a " specialized department '' will be reaching out via email with more information and I'll receive my funds via check in the mail. I can't access any of my money. I can't pay bills. I can't even log in to my app or online banking portal to view my transactions or balances. This is illegal for a bank to take away access to your funds and steal them, with no explanation or proof of return. I have been made aware that this company has been doing this to countless individuals. I was hoping to not have to seek out a lawyer just to have access to my funds. But the bank isnt helping me at all. 

No explanation as to why they have blocked me from my account. No information as to when I'll receive the funds in my accounts or the fact that my paycheck was deposited there this week. They have additional funds of mine since they closed my account funds from my employer. I can't access ANY of it. And every representative says someone will be in touch via email and no emails or calls have taken place. One representative told me the check was mailed and I would receive it in XXXX business days. Another told me my account wasn't fully closed and a check hasn't been mailed. This is illegal. The amount of money they have of mine in total is about {$6000.00}.
Product: Mortgage

Hello, I requested mortgage forbearance from Huntington Bank for XXXX XXXX hardship under the CARES Act several times but the forbearance department and customer service told me that it is too late to request forbearance under the CARES Act. I called XXXX XXXX and I was told that both my mortgages qualify for forbearance and related relief under the CARES Act and the bank gave me incorrect information. I called the bank back and informed them what XXXX XXXX said but the bank still did not change its position. It also said it would have a supervisor in the forbearance department call me back but no one ever did, except for someone in customer service who was not helpful at all. I have two mortgages with Huntington Bank and I received the same incorrect information for both.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I sent a ftc report in to all the credit bureaus, per the fcra the have to block these items within 4 business days. the following Accounts XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts that's reporting on my credit report. The US Dept Of Education has 4 reporting accounts inwhich I have no knowledge of. There's also a MN XXXX XXXX {$140.00}, reporting that I would also like to be blocked. Please send me physical documentation to support these accounts if not please remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay my balance in full on my XXXX XXXX XXXX  but I noticed that even though I pay it before my statement date it does not reflect on my report as the statement date direct balance of XXXX instead I if I use my card the day after day 100 % it will show as 122 % in this case! 

This is either -Perjury -credit bureau fraud -credit card company/industry bias -Extreme prejudice/XXXX of religious sect ( w/ ongoing litigations pending Supreme Court investigations documents to support my claim and of course the statements between cycles.
Product: Debt collection

EQUIFAX REPORT I'm a victim of a Identity theft. Someone opened up accounts in my name, various bank accounts, credit cardsaccounts. I have enquiries I know nothing about, these Enquiries were not done by me! I have no idea where any of these accounts opened and enquires are from. I have so many addresses and phone numbers and state places of employment, which are all false. I only have one address and one phone number and one place of employment. I'm also a part of the Equifax breach that happened. If you look my name up, you would see that I'm a victim of your Equifax breach.
Product: Debt collection

They call me several times a day and hang up as soon as I answer. If I call them back it says thank you for calling Rausch Sturm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

I purchased a prepaid PayPal card for my daughter to use because she is under 18. I chose PayPal because I can link to my account and watch what is spent. The card was instantly shut off by the company and they refused to tell me why and also refused to reactivate said card unless I sent them proof of my identity, address, social security number and source of income. This is a prepaid card. Now I am out the money I put on the card and my daughter is stuck away from home with no money because of this.
Product: Mortgage

LoanDepot was advertising very low fixed rate refinance options to me during XX/XX/2020. However, when I used their website to complete an application, I was notified by their loan agent that LoanDepot does not refinance jumbo loans. However, my application resulted in a " hard-pull '' and is now visible on my credit report. 

The hard pull was conducted by " XXXX ''. However I do not know how to reach XXXX.
Product: Money transfer, virtual currency, or money service

Tried calling Moneygram about this matter on XXXX/XXXX/XXXX at XXXX XXXX, overseas agent disconnected me. Sent two money transfers under XXXX and XXXX to the same recipient ( XXXX XXXX ). The location used to retrieve the money is : XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. A major violation seems to exist with this particular agent, they insisted on making/keeping a copy of the Drivers License before dispensing the money. This seems to be a major privacy issue that can lead to problems down the road. In fact, this has never been encountered at any other agent locations. Lastly, agent refused to release the money until the sender called Moneygram and had the middle initial added for the recipient.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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: Credit reporting, credit repair services, or other personal consumer reports

I have tried rebuilding my credit so I pulled a credit report for all XXXX major credit bureaus and there is a credit card from XXXX XXXX XXXX that keeps showing up from a credit card company called XXXX XXXX. I have never ever applied for this card, received a card like this or opened up this account. I have disputed this account on all credit bureaus. They sent it to a collections agency and I explained this to them also and since then they have now changed the status to a charge off and now its reporting that I am currently delinquent. Noone will help me get this removed and its ruining my credit to the point where I cant rebuild and I am a spouse of a XXXX XXXX service member in the military. The collections company reporting this information is called XXXX XXXX that this account was sold to collect this debt in the amount of $ XXXX I called XXXX XXXX XXXX XXXX to bribe into paying this debt and I refuse to pay a debt that is not mine. I believe I was a victim of identity theft because I did not open this account and I keep on disputing and every time I do they say this information is correct and it isn't. XXXX XXXX is the original creditor. I need help please getting this resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$530.00} XXXX XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXXXXXX {$220.00} XXXX - XXXX {$350.00}
Product: Checking or savings account

Account closed due to fraud. Lost debit card during the time of event so I had no access to the account. Ive since had 2 accounts. Trying to get the status of my XXXX XXXX account fully operational.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Trans Union, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Trans Union, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Trans Union, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Trans Union, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

On XX/XX/XXXX I saw a missed call on my work phone. I called back it was a company called Diversified Consultants. I was told they we're calling in reference to a XXXX bill. I 1st asked the rep to remove my work number and she continued to talk about the bill that was XXXX. I informed her that I worked for XXXX years ago and had free cable and to please remove my work number again. Then on XX/XX/XXXX I get another call from a rep from their company name XXXX. I asked to call back I called back and spoke to XXXX XXXX, I informed her that I spoke with them and asked the last time to remove my work number. She stated the rep claimed she didn't have a chance to verify which number to remove. That's not true because I repeated the work number to be removed and never called. She continue to talk about the bill. I do not owe. I told XXXX this is a violation of debt practices. XXXX said she would open a dispute and remove my work number. However, the number should have been removed the 1st time.
Product: Mortgage

I have been trying to make contact with a individual via telephone and I am not able to speak to anyone. I am put on hold for several minutes. However, I am getting letters that they need funds before a certain date. I would like to discuss other payment arrangements but I am unable to do so. I have continued to make my monthly payments.